Generali Viajero Travel Insurance Policy Conditions (English Translation)

Information Clause ↑ top

This clause fulfils the insurer's duty to inform under Law 20/2015 and RD 1060/2015. Insurer: GENERALI España S.A. de Seguros y Reaseguros, Pl. de Manuel Gómez-Moreno 5, 28020 Madrid. Supervisor: the Directorate-General for Insurance and Pension Funds (DGSFP). Complaints: Generali's Claims & Complaints Service (reclamaciones.es@generali.com) resolves within the legal period; you may then escalate to the DGSFP (Paseo de la Castellana 44, 28046 Madrid) or go to the courts. Applicable law: Law 50/1980 on Insurance Contracts and related rules; Spanish law and jurisdiction apply, before the courts of the Insured's domicile in Spain. Distance contracts: a right of withdrawal applies as described below.

Key concepts & definitions ↑ top

Some of the terms used throughout the policy:

• Insured (you): the person named in the Particular Conditions; must have their habitual home in Spain.
• Accident: bodily injury or material damage during the policy from a sudden, external, unintended cause.
• Unforeseen illness: an unexpected change in health during the trip needing a doctor's care. Covid-19 is treated as any other illness.
• Pre-existing or chronic condition: any condition whose symptoms began before the policy was taken out, even without a firm diagnosis (coverable only via the optional Pre-existing module).
• Trip (Viaje): the journey away from your habitual home, from departure to return, for which the policy is taken out.
• Habitual home: your declared home in Spain, from which the trip is made.
• Robbery / Theft (Hurto): taking of property with violence or force (Robo) versus without violence or force (Hurto) — the distinction matters for baggage cover.
• Vital emergency: a situation needing immediate medical care because of danger to life or of temporary/permanent disability.
• Dangerous / high-risk sport: a sport or activity posing a real risk to physical integrity (cover may be restricted or excluded).

Object, cover levels & territorial scope ↑ top

The policy guarantees assistance cover during a temporary trip, for a chance event, provided it happens during the trip, away from your habitual home, within the territorial scope and during the contracted period. Cover ends once you have finished the trip and returned home (unless a guarantee states otherwise).

Cover levels (modalities): the assistance insurance comes as Viajero, Viajero Plus or Viajero Premium (increasing limits). The optional add-on modules — Cancellation and Pre-existing conditions — cannot be bought on their own; the Pre-existing module is only available with the assistance cover. The exact sums insured for each guarantee are in your Particular Conditions.

Territorial scope: as stated in your Particular Conditions (typically Spain, Europe or Worldwide). Generali cannot guarantee assistance in countries in a state of war, insurrection or unrest, or where your government advises against travel; an updated list of excluded territories is published at generali.es. A kilometre excess (franquicia kilométrica) may apply to some assistance near home.

1 — Medical & repatriation assistance ↑ top

If you suffer an unforeseen illness or accident during your trip, Generali pays — up to the limits in your Particular Conditions — the costs of:

• Medical, surgical, hospital and pharmacy costs abroad and (at lower limits) in your home country, plus emergency dental treatment.
• Medical transport & repatriation of the sick and injured to the nearest suitable hospital or, when needed, back to a hospital near your home — by ambulance, scheduled flight, train, air ambulance or helicopter (air/helicopter ambulance not outside Europe or the Mediterranean rim). The medical team decides the means and timing on medical grounds; refusing their decision voids the related cover.
• Hotel-stay extension on medical advice (up to 14 days), telephone medical advice, return of accompanying insured travellers, escort of minors or dependents, and the transfer of a driver or vehicle when illness prevents you driving.
• A family member/companion to travel to and stay near you if you are hospitalised (typically beyond 5 days), and the companion's in-situ hotel and travel costs.
• Hospitalisation cash benefit — a daily amount from the 11th day if you are hospitalised away from your home province.
• Repatriation of mortal remains and funeral service, and an escort for the remains.
• Optical costs for prescription glasses/contact lenses broken or lost in an accident.

Not covered (among others): glasses, lenses and prostheses over €100; medical/surgical/pharmacy costs under €50; and (unless the module is held) pre-existing conditions — though a vital emergency from an unforeseeable complication of a pre-existing condition is assisted. The general exclusions also apply.

3 — Travel incidents & disruption ↑ top

For incidents during your trip, Generali provides services and reimburses, up to the policy limits:

• Travel delay (typically over 6 hours) and missed connections, overbooking delay, and forced trip extension — the necessary outlay on clothing, food and toiletries at the place of delay.
• Missed departure after an in-itinere accident, and cancellation of the transport's departure due to strike.
• Early return on the death or hospitalisation of a close relative, or a serious claim (fire, theft, explosion, flood, force of nature) at your home or business.
• Hotel change for overbooking/cancellation, alternative transport for missed connections, loss of excursions, and trip relocation when the transport provider cancels and offers no alternative.
• Interpreter service by phone, safe-box opening, replacement of home keys lost on the trip, and an extension of the policy when return is delayed.

4 — Baggage & documents ↑ top

Up to the policy limits, for incidents affecting your baggage and documents:

• Loss, damage or theft of checked baggage, and damage or theft of unchecked baggage; search and location of mislaid baggage.
• Theft of valuables (jewellery, watches, cameras, IT equipment, mobile phones, art, furs, etc.) within a sub-limit.
• Baggage delay — the cost of essential purchases while your checked baggage is delayed.
• Loss or theft of travel documents, card-cancellation information, and the sending of essential personal items (glasses, prescriptions, ID, passport, cards) up to a 10 kg parcel.
• Theft, destruction or damage to baggage in a vehicle after a road accident.

Not covered (among others): mere pilfering (hurto); theft of baggage left in a vehicle or tent; and money, jewellery and documents under the standard baggage item (these fall under valuables). Only amounts not paid by a third party (airline, hotel insurer) are indemnified.

5 — Information & legal services abroad ↑ top

Up to the policy limits: an information service; administrative handling and advance of hospital costs abroad; reimbursement of visa-extension admin; advance of a criminal bail bond required abroad; payment of legal-assistance costs abroad; and communication expenses incurred contacting Generali for assistance.

6 — Civil liability ↑ top

If during your trip you are liable for damage to a third party, Generali pays the indemnity (under Articles 1902–1910 of the Spanish Civil Code or equivalent foreign law), including legal costs and bonds, for personal or material damage you involuntarily cause to people, animals or property — up to the limit for your cover level. It does not pay for damage to you, the policyholder or co-insureds, or their close family/employees. Excluded: liability from driving motor vehicles, aircraft or boats, or using firearms; professional, union, political or association activities; dangerous/high-risk sports; fines; and damage to objects entrusted to you.

7 — Personal accident (death & disability) ↑ top

Up to the sum for your cover level, Generali pays on accidental death (instantaneous, or within one year of the accident) and on permanent disability from an accident on the trip. For under-14s or the legally incapacitated, the death cover is limited to proven funeral costs (maximum €3,000). Any permanent-disability sum paid for the same accident is deducted from a later death payment, and a pre-existing disability reduces the payout proportionately. A disability scale (baremo) applies — for example: complete paralysis, incurable insanity and total blindness 100%; loss of one eye or its sight 30% — with other losses graded in between.

Optional module — Trip cancellation ↑ top

Where contracted, this reimburses the cancellation costs of a trip not yet started that you cannot avoid, up to the insured limit. The cause must arise more than 72 hours after you took out the insurance (unless bought at the same time as the trip). The policy lists a long set of covered reasons, including, among many others:

• Serious illness, accident or death of you, a travelling companion or a close relative; medical quarantine (including contagion risk).
• Non-disciplinary dismissal from your job (or a parent's, where they paid for the trip), starting a new job, or being called up urgently to the Armed Forces, Police or Fire service.
• Serious damage to your home or business (fire, theft, explosion, flood, force of nature) needing your presence; a parallel tax assessment over €600; a traffic fine over €600 on the travel dates.
• An official terrorist act or natural disaster at the destination within 30 days before departure and within 50 km, or the destination being declared a disaster zone; air/land/sea piracy on the route.
• Theft of your travel documents or baggage preventing the trip; a vehicle breakdown or accident; the award of an official grant or a prize clashing with the trip dates.

Optional module — Pre-existing conditions ↑ top

The base policy treats pre-existing and chronic conditions as excluded (beyond the vital-emergency assistance noted above). The optional Pre-existing conditions module — available only alongside the Viajero, Viajero Plus or Viajero Premium assistance cover — extends cover to medical and illness situations arising from a stable, controlled pre-existing condition, within the terms and limits set out in the module and your Particular Conditions.

General exclusions ↑ top

Unless a guarantee expressly includes it, the policy does not cover damage, costs or consequences arising from:

• Travel to a country/region your government advises against (or only to travel if essential); and events before the policy started.
• Fraudulent acts of the insured, policyholder or beneficiaries; and any person not named as insured.
• Mountain, pothole, sea or desert rescue; participating as a professional in any sport; and the consequences of winter sports.
• War (civil or foreign), invasion, riots, insurrection, revolution, sabotage, terrorism and strikes — except where a guarantee says otherwise.
• Nuclear reaction or radiation; and natural catastrophes and extraordinary events (covered instead by the Consorcio).
• Breaking the laws in force at the time; and, generally, claims from carrying on a professional activity (other than commercial or artistic work needing no physical effort).

Extraordinary risks (Consorcio de Compensación de Seguros) ↑ top

As with all Spanish policies, losses from extraordinary events in Spain (earthquakes, tsunamis, extraordinary floods, volcanic eruptions, atypical cyclonic storm, falling meteorites; terrorism, rebellion, riot; and acts of the Armed/Security Forces in peacetime) are indemnified by the public Consorcio de Compensación de Seguros, funded by a surcharge collected with your premium, under Royal Legislative Decree 7/2004 and RD 300/2004. The clause sets out the covered events, the excluded risks and how to report such a loss to the Consorcio.

How to claim, your rights & complaints ↑ top

24-hour travel assistance: 900 903 326 (from Spain) or +34 91 514 99 62 (from abroad) — give your policy number, name, location and contact number, and keep all receipts and proof of the event (third-party claim, police report, accident/injury report). Premium: must be paid when the policy is taken out; if unpaid before a claim, the insurer is released. Your cancellation rights: you may cancel before the policy starts; after it starts, only if the policy lasts more than 30 days and you cancel within the first 14 days (with a refund of the unused premium). Complaints: to Generali's Claims & Complaints Service, and then, if unresolved, to the DGSFP. Law & jurisdiction: Spanish law, before the courts of the Insured's domicile in Spain.