Product

COVID-19 Cover

Our travel policies will provide you with improved coverage for claims due to COVID-19.

Before you travel - Cover for cancellation if you fall ill with COVID-19 and are unable to travel, or are forced into isolation, as long as you have a medical certificate or official test results.

While Traveling - All of our policies include coverage for any medical expenses claims due. Our policies will continue to provide all other non-COVID-19 accident benefits, as usual, including medical emergency, baggage and injury, depending on the type of policy purchased.claims due to COVID-19 while traveling. It also includes travel interruption coverage (if you have to return earlier) in the event of a close relative's illness due to COVID-19.

Please note that there is no coverage if you decide to travel to a destination for which the Ministerio de Asuntos Exteriores (MAE) does not recommend travel.

To make it as clear as possible what we cover (and don't cover), we've created the following summary where you can find all the information you may need.

 

  1. Trip cancellation due to Covid-19 or other infectious disease
  •  Always keep in mind, the normal insurance conditions, your policy will cover you in case you need to cancel your trip because:
    • you or a close relative fall ill with COVID-19 or another infectious disease before travel;
    • a person insured by the policy is required by the Spanish government to quarantine or isolate himself on the scheduled date of departure from Spain;
    • a family member you were supposed to be with has to quarantine or isolate themselves and you have nowhere else to stay.
  •  Your policy will not cover you at any cost when:
    • you are entitled to a refund in the form of cash or vouchers from the airline and/or travel provider.

 

  1. Trip cancellation due to government restrictions
  •  Always keeping in mind the normal insurance conditions, your policy will cover you in case you need to cancel your trip because your overseas destination is subject to the following travel restrictions unrelated to Covid-19, other pandemic or known event:
    • the Spanish Ministry of Foreign Affairs advises against traveling; or
    • the Ministry of Foreign Affairs or other local authorities deny you entry; or
    • the Ministry of Foreign Affairs or other local authorities impose quarantine or isolation on arrival for a person insured by the policy.
  •  Your policy will not cover you at any cost when:
    • you are entitled to a refund in the form of cash or vouchers from the airline and / or travel provider.

 

  1. Trip interruption due to Covid-19 or other infectious disease
  •  Always keeping in mind the normal insurance conditions, your policy will cover you in case you need to interrupt your trip because:
    • the Spanish Ministry of Foreign Affairs or local authorities impose restrictions on travel and you are asked to return home due to COVID-19, or another infectious disease or pandemic;
    • you have been denied boarding at your departure airport in Spain because symptoms of COVID-19 or another infectious disease have been detected;
    • a close relative of yours falls ill with COVID-19 or another infectious disease while traveling.
  •  Your policy will not cover you at any cost when:
    • you are entitled to a refund in the form of cash or vouchers from the airline and / or travel provider.

 

  1. Medical coverage
  •  Always keeping in mind the normal insurance conditions, your policy will cover the necessary and reasonable expenses for:
    • emergency medical care, quarantine, and repatriation if you contract COVID-19 or another infectious disease while abroad;
    • unexpected accommodation costs if you contract COVID-19 or another infectious disease abroad and are unable to go home as planned.
  • Your policy will not cover you for any costs when:
    • You leave Spain if there is a ban on travel by the Spanish Ministry of Foreign Affairs.

 

Download our quick guides to our COVID-19 coverages

For Multirisk policies COVID-19 Multirisk Benefits

For Medical Only policies COVID-19 Medical Only Benefits