Annual Multi-trip Insurance

CANCELLATION COSTS: summary of guaranteed causes

1.For health reasons

1.1) Serious illness, serious accident or death:

-Of the INSURED, his or her spouse, or ascendants or descendants up to the degree of consanguinity, affinity or laterality indicated in the Specific Conditions of the policy.

-Of a companion of the INSURED, registered in the same reservation and also insured.

-Of their professional substitute, as long as it is essential that the position or responsibility must then be assumed by the INSURED.

-Of the person in charge during the period of travel and/or stay, of the custody of minor children or dependent people. For this guarantee to be valid, it will be necessary to provide the name and surname of said person at the time of signing up for the insurance.

Any alteration in the health of the INSURED that, without being considered a serious illness or accident, totally prevents the performance of the activity covered by the insurance, as verified by the INSURER's medical service, will also be cause for cancellation.

When the illness or accident affects any of the aforementioned persons, other than the INSURED, it will be understood as serious when, after contracting the insurance, it implies hospitalization or the need to stay in bed and it is required, in the opinion of a medical professional, the continuous attention and care of health personnel or persons designated for this purpose, upon medical prescription, and it is estimated that this situation will continue within 12 days prior to the start of the trip.

The INSURED must immediately report the incident on the date it occurs, with the INSURER reserving the right to make a medical visit to the INSURED, companion, professional substitute or the person in charge to assess whether the cause actually makes it impossible to start the trip. If the illness does not require hospitalization, the INSURED must report the incident immediately following the event that gave rise to the cause for cancellation of the trip.

Unexpected call for surgery, as well as for tests

prior to said intervention, provided that this circumstance prevents the INSURED from making the trip.

-Of the INSURED, his or her spouse, or ascendants or descendants up to the degree of consanguinity, affinity or laterality indicated in the Specific Conditions of the policy.

-Of the companion of the INSURED, registered in the same reservation and also insured.

-Of their professional substitute, as long as it is essential that the position or responsibility must then be assumed by the INSURED.

-Of the person in charge during the period of travel and/or stay, of the custody of minor children or dependent people. For this guarantee to be valid, it will be necessary to provide the name and surname of said person at the time of signing up for the insurance.

1.7) Serious complications in the state of pregnancy or spontaneous abortion of the INSURED that, in the opinion of a medical professional, force her to rest or require hospitalization. Births and pregnancy complications from the seventh month of gestation are excluded.

1.13) For positive COVID-19 disease through medical tests.

When the INSURED has to cancel for this reason, the cancellation of:

-Your spouse, ascendants or descendants of up to the second degree of consanguinity, affinity or laterality, registered in the same reservation and also insured.

-Of a companion of the INSURED, registered in the same reservation and also insured.

2.For legal reasons

2.1) Call as part or member of a jury or witness in a Court of Justice, except for legal professionals.

2.3) Presentation to official opposition exams called through a public body after subscribing to the insurance. Exams held on dates prior to the start of the trip and competitive exams that the insured has taken on dates after contracting the trip and/or insurance are excluded.

2.4) Call as a member of a polling station.

2.5) Knowledge, after contracting the reservation, of the tax obligation to make a parallel income declaration, the amount to be settled exceeds €600.

2.6) The non-granting of visas, for unjustified reasons. The non-granting of visas will not be considered a covered cause when it is motivated by the INSURED not having carried out the pertinent steps within the time and manner for granting it.

2.7) Police retention of the INSURED for non-criminal reasons.

2.8) Delivery of a child for adoption or foster care.

Previous procedures or trips necessary to formalize the delivery of a child for adoption or foster care are excluded.

2.9) Official call from the INSURED for divorce proceedings.

Calls for procedures with one's own lawyer are excluded.

3. For Laboral reason

3.1) Dismissal of the INSURED from work, for non-disciplinary reasons, provided that there was no verbal or written communication when the insurance was contracted. In no case will this guarantee come into force due to the termination of the employment contract or voluntary resignation or failure to exceed the trial period.

3.2) Incorporation of the INSURED to a new job, in a different company, provided that it is with an employment contract and occurs after the subscription of the insurance, without being aware of this circumstance on the date on which the reservation was made. .

This coverage will also be valid when the incorporation occurs from an unemployment situation.

The multiple contracts made by temporary employment companies (ETT) to carry out work for other companies will be considered contracts for the companies in which the worker carries out his activity.

3.3) The forced transfer of the workplace for a period of more than 3 months.

4. For extraordinary reasons

4.3) Acts of air, land or naval piracy, which make it impossible for the INSURED to begin or continue their trip. Terrorist acts are excluded.

4.5) Official declaration of a catastrophic area in the place of residence of the INSURED or in the place of destination of the trip. The official declaration of a catastrophic area at the place of transit to the destination will also be covered, as long as it is the only way to access it.

A maximum compensation amount per incident of €100.000 is established for this cause.

4.8) Confinement of the insured in medical quarantine decreed by the competent health authorities after the registration of the trip that prevents its completion. Confinements due to epidemics or pandemics are excluded.

5. Other causes

5.1) Theft of documentation necessary to make the trip, produced on dates or circumstances such that it makes it impossible, before the start of the trip, to process or re-issue the same, time, giving rise to the impediment of making the trip by the INSURED. Theft, loss or misplacement excluded.

5.2) Obtaining a trip and/or stay similar to the one contracted, free of charge, in a public draw and before a Notary.

5.9) Cancellation of the people who must accompany the INSURED, up to a maximum of two, registered in the same reservation and insured in this same policy, provided that the cancellation is motivated by any of the causes provided for in this guarantee and, Due to this, the INSURED must travel alone. Minors under 18 years of age are not counted in the calculation of companions if they are alone on the trip or accompanied by a single adult.

If the accompanying INSURED decided to maintain the trip contract and use it alone, the INSURER would be responsible for the additional expenses that the trip provider charged as a supplement up to a maximum amount of €180 per insured person.

In this case, only two insured people will be covered due to a companion canceling for any covered reason.