Trip cancellation insurance

3.1.1. For health reasons

3.1.1.1) 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 people designated for this purpose, with prior 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.

3.1.1.2) Unexpected call for surgical intervention, as well as for medical 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.

3.1.1.3) Call for an organ transplant to the INSURED, the companion, or ascendants or descendants up to the degree of consanguinity, affinity or laterality indicated in the Particular Conditions of the Policy, provided that they were already on the waiting list at the time of hire both the trip and the insurance.

3.1.1.4) Call for medical tests to the INSURED or their ascendants or descendants up to the degree of consanguinity, affinity or laterality indicated in the Particular Conditions of the Policy, carried out by the Public Health on an urgent basis, provided that they coincide with the dates of the travel and are justified by the seriousness of the case.

3.1.1.5) Serious illness, serious accident or death of the INSURED's direct superior, occurring after the insurance was taken out and provided that this circumstance prevents the INSURED from making the trip, due to the requirement of the Company of which he or she is an employee.

3.1.1.6) Any illness of children under 48 months, who are INSURED under this policy or first degree relatives of the INSURED, that occurs within 2 days prior to the start of the trip.

3.1.1.7) 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.

When the INSURED has to cancel for this reason, the cancellation of his or her spouse or partner, and minor children, registered in the same reservation and also insured, will also be covered.

3.1.1.8) Premature birth of the INSURED, before 29 weeks of gestation.

3.1.1.9) Sequelae of vaccination necessary for a trip, provided that they produce a serious illness.

3.1.1.13) For positive through medical tests of COVID-19 disease in which the identity of the INSURED is certified and has been obtained no more than 72 hours before the start of the trip, provided that it involves hospitalization, obligation to maintain medical quarantine, or prevents the completion of the insured trip in compliance with any restriction on access to the means of transportation used for the trip or access to the destination.

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.

This cause will be valid after 7 days from the contracting of the insurance if it has not been contracted at the time of confirmation of the reservation.

3.1.2. For legal reasons

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

3.1.2.3) Presentation to official opposition exams called through

of a public body after the insurance has been taken out. They remain

excluding exams held on dates prior to the start of the trip and opposition exams that the insured has taken on dates after contracting the trip and/or insurance.

3.1.2.4) Call as a member of a polling station.

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

3.1.2.6) 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.

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

3.1.2.8) 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.

3.1.2.9) Official call from the INSURED for divorce proceedings. Calls for procedures with one's own lawyer are excluded.

3.1.2.10) Call for the INSURED to sign official documents before the Public Administration, on the dates planned for the trip.

3.1.2.11) Traffic penalty greater than €600.

3.1.3. For Laboral reason

3.1.3.1) 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.

3.1.3.2) 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 it was done the reserve. 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.

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

3.1.3.4) Extension of the INSURED's employment contract, provided that there is no verbal or written communication.

3.1.3.5) Presentation of an Employment Regulation File that directly affects the INSURED as an employed worker and sees their working hours reduced totally or partially. This circumstance must occur after the date of subscription of the insurance.

3.1.3.6) Judicial declaration of suspension of payments of a company that prevents the INSURED from carrying out their professional activity

3.1.3.13) Presentation of a Temporary Employment Regulation File that directly affects the INSURED as an employed worker if their salary is reduced by more than 50%. This circumstance must occur after the date of subscription of the insurance.

The ERTE caused by COVID-19 is included in this case.

3.1.4. For extraordinary reasons

3.1.4.1) Serious damage due to fire, theft, explosion or other events of nature that affect the habitual or secondary residence of the INSURED, or the professional premises in which he exercises a liberal profession or runs a company, which makes his presence necessary. .

3.1.4.2) Loss in the INSURED's home, occurring after the insurance was signed, exceeding €600 and which is not covered within their home insurance policy.

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

3.1.4.5) 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.

3.1.4.6) Requirement for urgent and inexcusable incorporation into the Armed Forces, Police, Civil Guard or Firefighters.

3.1.4.10) Requirement for urgent and inexcusable incorporation of Health Workers in case of crisis due to COVID-19.

3.1.5. Other causes

3.1.5.1) 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.

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

3.1.5.3) Granting of official scholarships that prevent the trip from taking place.

3.1.5.4) Cancellation of the Wedding ceremony, reliably accredited, provided that the insured trip was a Honeymoon/Engagement Trip.

3.1.5.5) Breakdown in the vehicle owned by the INSURED that prevents the start or continuation of the trip, provided that the main means of transportation for the trip is said vehicle. The breakdown must require a fix of more than 8 hours or an amount of more than €600, in both cases according to the manufacturer's scale.

3.1.5.6) Theft or accident in the vehicle owned by the INSURED that prevents the start or continuation of the trip.

3.1.5.8) Theft, death, illness or serious accident of the companion or guard animal. For the purposes of this coverage, necessary conditions will be that the animal is the property of the INSURED, resides with it at its habitual residence and is registered and identified by the tag, tattoo or microchip number assigned to it.

For the purposes of this Policy, it is understood:

-For theft of the pet, the illegitimate seizure by third parties of the animal through acts that involve force on things or violence on people. The INSURED must present a copy of the report of said theft, which must be dated, at most, 3 days before the start of the trip.

-Due to a serious illness or accident of the pet, the alteration of its health, provided that, in the opinion of a veterinarian, it has been verified that it occurred after taking out the insurance, as well as that it requires continuous attention and care. This veterinary prescription must be produced within 12 days prior to the start of the trip.

This coverage will not apply to animals that are already sick when purchasing the insurance, in an advanced state of pregnancy or that have recently given birth, nor to young animals that are less than 2 months old.

3.1.5.9) 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.

3.1.5.10) Additional expenses that may arise due to the change of reservation holder, in those cases in which the INSURED makes a transfer of the trip in favor of another person, provided that the transfer is motivated by any of the causes provided for in this guarantee and the amount of these expenses does not exceed the amount of the trip cancellation.

3.1.5.11) Withdrawal from the trip by the INSURED, when there is a delay in the means of transport of more than 24 hours, which makes it impossible for the purpose of the trip to be carried out or more than half of its duration has elapsed. . Cancellation costs will be refunded, as long as they have not been previously paid by the transport company. A maximum compensation amount per incident of €500.000 is established.

3.1.5.19) Failure of the insured student's subjects that necessarily prevent the trip from taking place, because the make-up exams coincide with the dates of the trip.