Question 1

Which IATI travel insurance should I take out if I am going on a tourist trip abroad?

Accepted Answer

The choice of IATI travel insurance depends on your destination, the length of your trip, and the level of medical and travel coverage you need. In Europe, IATI offers the following travel insurance options: IATI Classic, IATI Backpacker, IATI Multitrip, and IATI Total Comfort. In addition, you can add IATI AirHelp as a supplement to your policy.

The main difference between these policies lies in the level of medical assistance, flexibility, and type of trip covered.

IATI Classic offers up to €500,000 in medical assistance and is ideal for short trips, travel within Europe, or destinations with lower healthcare costs. It provides excellent value for money and includes essential coverages such as repatriation, basic adventure sports, and optional baggage and cancellation.

IATI Backpacker is designed for adventurous travellers and backpackers who may visit multiple countries or practice adventure sports. It includes €500,000 in medical assistance, search and rescue coverage, adventure sports premium, and optional cancellation. This policy is not valid for travellers over 70 years of age.

IATI Multitrip is an annual travel insurance for frequent travellers. It covers all trips of up to 90 days during a 12-month period, with €500,000 in medical assistance, basic adventure sports, and optional baggage and cancellation cover. This policy must be taken out before starting your trip.

IATI Total Comfort is IATI’s most comprehensive travel insurance. It provides €10,000,000 in medical assistance and is especially recommended for destinations with very high healthcare costs, such as the United States, Canada, Japan, Australia, or New Zealand. It can also be taken out after the trip has started (with a 72-hour waiting period) and allows optional baggage and cancellation cover.

Additionally, you can add IATI AirHelp to any IATI travel assistance policy to help you claim compensation of up to €600 for flight delays, cancellations, or missed connections under European regulations.

Question 2

I need medical assistance and trip cancellation coverage, what options do I have?

Accepted Answer

In Europe, all IATI travel insurance policies offer medical assistance, and most of them allow you to add optional trip cancellation coverage, depending on the product and when it is taken out.

Your available options are:

IATI Classic
Includes €500,000 in medical assistance and allows you to add optional trip cancellation cover of up to €2,000, provided the policy is taken out at the same time as the trip booking or within the following 7 days. It is ideal for short trips, travel within Europe, or destinations with lower healthcare costs.

IATI Backpacker
Designed for adventurous travellers, this policy includes €500,000 in medical assistance, adventure sports premium, and search and rescue coverage. It also offers optional cancellation cover of up to €2,000, subject to the same time conditions for contracting. This policy is not valid for travellers over 70 years of age.

IATI Multitrip
An annual insurance policy covering all trips of up to 90 days over a 12-month period, with €500,000 in medical assistance. You can add optional trip cancellation cover of up to €2,000 if you want protection before starting your travels. This policy must be taken out before the trip begins.

IATI Total Comfort
Our most comprehensive travel insurance, offering €10,000,000 in medical assistance. It also allows you to add optional trip cancellation cover of up to €2,000 and is especially recommended for destinations with very high healthcare costs. This policy can even be taken out after the trip has started (with a 72-hour waiting period), although cancellation cover must be contracted before the trip.

Question 3

During my trip I will engage in adventure activities, which IATI travel assistance should I take out?

Accepted Answer

If you are planning to take part in adventure or active tourism activities during your trip, IATI offers several travel insurance options in Europe that include adventure sports coverage, depending on the level of protection you need and your travel profile.

IATI Backpacker
This is the most suitable option for adventurous travellers and backpackers. It includes adventure sports premium, coverage for search and rescue, and €500,000 in medical assistance. It is designed for trips involving multiple destinations and higher-risk activities. This policy is not valid for travellers over 70 years of age.

IATI Multitrip
If you travel frequently throughout the year and practice adventure activities occasionally, IATI Multitrip includes basic adventure sports coverage for all trips of up to 90 days, along with €500,000 in medical assistance. It is ideal for regular travellers who want year-round protection.

IATI Classic
For moderate or occasional adventure activities, IATI Classic includes basic adventure sports coverage and €500,000 in medical assistance, making it a good option for short trips, travel within Europe, or destinations with lower healthcare costs.

IATI Total Comfort
If you are looking for the highest level of protection, IATI Total Comfort includes adventure sports coverage together with €10,000,000 in medical assistance, and is especially recommended for long trips or destinations with very high medical costs.

Each policy includes different levels of adventure sports coverage, so it is important to check the list of covered activities and ensure that your planned sports are included before taking out the insurance.

Question 4

What insurance do I need if I am going to go diving?

Accepted Answer

For trips abroad, IATI Classic, IATI Multitrip, and IATI Total Comfort cover diving and underwater activities up to 20 metres deep, while IATI Backpacker covers diving up to 40 metres deep thanks to its adventure sports premium.

Question 5

What insurance do I need if I'm going to go trekking?

Accepted Answer

For trips abroad, IATI Classic, IATI Multitrip, and IATI Total Comfort cover trekking up to 3,000 metres in altitude, while IATI Backpacker covers trekking up to 5,400 metres thanks to its adventure sports premium.

Question 6

What insurance do I need if I'm going on a cruise?

Accepted Answer

All IATI travel insurance policies cover cruise trips.

Question 7

What is the purpose of trip cancellation insurance?

Accepted Answer

If you purchase the trip cancellation/additional cancellation option, we will reimburse you for the expenses incurred that you cannot recover directly from the travel provider (flights, hotels, etc.), as a result of canceling the trip, provided that you cancel it before it starts and for one of the reasons listed in the General Conditions

Question 8

Does the trip cancellation/additional cancellation cover the cost of travel assistance?

Accepted Answer

No, the assistance amount is not refundable. This additional only covers expenses incurred by any of the 'travel providers', that is, flights, hotels, etc.

Question 9

Can I make use of the cancellation coverage for any reason I need to cancel my trip?

Accepted Answer

No, each voucher outlines the reasons for annulment/cancellation included therein and for which one is entitled to a refund of the expenses that are not reimbursed by the travel provider.

Question 10

What options do I have if I want cancellation coverage for my trip?

Accepted Answer

You can add optional trip cancellation coverage to IATI Classic, IATI Backpacker, IATI Multitrip, and IATI Total Comfort, with reimbursement of up to €2,000, provided the policy is taken out at the same time as booking the trip or within the following 7 days.

Question 11

When does the trip cancellation coverage activate?

Accepted Answer

For the travel cancellation/additional cancellation coverage to apply, it must be purchased on the same day as the flight tickets or travel package, or within a maximum of 72 hours thereafter.

Question 12

When does the cancellation insurance coverage activate?

Accepted Answer

The cancellation coverage becomes active at the same moment the assistance is contracted along with this additional service. For this reason, vouchers that include the additional cancellation coverage do NOT allow any type of change.

Question 13

Is there a deductible in the IATI travel insurance?

Accepted Answer

No, we do not have franchises at IATI.

Question 14

Is there an age limit to purchase travel insurance with IATI?

Accepted Answer

The age limit for all our assistance is 75 years.

Question 15

Do IATI travel insurance policies cover any type of luggage theft?

Accepted Answer

We cover baggage theft as long as it involves violence or intimidation, provided that a corresponding report is filed, and also damage or loss of baggage on public transport, provided that a claim has been made to the carrier (PIR). Valuables are NOT covered. Petty theft is not covered, meaning the theft of baggage without your awareness while you are, for example, in a restaurant or at an airport.

Question 16

Does IATI travel insurance cover repatriation costs in case of accident or death?

Accepted Answer

Yes, we cover 100% of the actual repatriation cost in all our assistance services.

Question 17

Can I increase/decrease the limits of any of the coverages in the assistance plan to better suit my needs?

Accepted Answer

No, our travel insurance policies have fixed coverages and limits that cannot be modified on demand.

Question 18

Can I modify or cancel my travel assistance once it's been booked?

Accepted Answer

Travel assistance WITH cancellation/non-refundable options CANNOT be modified or refunded.

Travel assistance WITHOUT cancellation CAN be modified/cancelled up to 72 hrs. before the trip departure.

Question 19

Can I extend/renew my IATI travel insurance?

Accepted Answer

Insurance cannot be extended/renewed, but you can take out a new IATI Estrella insurance policy starting on the expiry date of the current one.

In this case, in addition to a 72-hour waiting period, any event that occurred during the first voucher would no longer be covered at the beginning of the second one, as it would be considered a pre-existing condition for this new voucher.

Question 20

Do additional travelers have the same coverages as the main policyholder of the assistance?

Accepted Answer

Yes, the coverage of our travel assistance is the same for all travelers included in the same voucher.

Question 21

Where can I find detailed information about each IATI travel insurance?

Accepted Answer

In the Products section, you will find the following information for each of our travel insurance policies: a detailed description of the assistance, a summary of the coverage, details of the additional trip cancellation/interruption option, and the full terms and conditions of the voucher.

Question 22

How can I check the price of my IATI travel insurance online?

Accepted Answer

Fill out the form you will find on the homepage or on the product page of your interest and click on “Calculate your assistance”.

Question 23

How can I purchase my travel insurance online?

Accepted Answer

Fill out the form you will find on the homepage or on the product page of your interest and click on "Calculate your assistance". Select the product and click on “Hire”. Choose any additional options you prefer. Fill in your personal details, accept the Terms of Contract and the Privacy Policy, and then click on “Continue“. Select a payment method and click on “Pay“.

Question 24

How can I pay for my IATI travel insurance?

Accepted Answer

You can pay for your assistance and travel insurance online with: Bank cards

Question 25

Can I pay for my IATI travel insurance in installments?

Accepted Answer

No, the total amount must be settled in a single payment.

Question 26

What should I indicate for the country of residence?

Accepted Answer

You must specify the location where the insured has their usual and permanent residence. In the case of a long-term move between two countries, it will be the place where they can prove their residence for the six months immediately preceding the policy purchase.

Question 27

I travel to different countries, what should I indicate as the travel destination?

Accepted Answer

Tell us the furthest country of all the ones you are going to visit

Question 28

What does 'Flight Issue Date' refer to?

Accepted Answer

As of the date of purchase of the plane tickets or travel package.

Question 29

How far in advance should I purchase my IATI travel insurance?

Accepted Answer

If your IATI travel assistance and insurance is WITHOUT the additional cancellation coverage, you can purchase it up to 24 hours before your trip.

If you purchase the cancellation/additional cancellation option along with your travel assistance, it must be purchased on the same day as the flight tickets or travel package, or within a maximum of 72 hours thereafter.

Question 30

Can I purchase IATI travel insurance if my trip has already started and/or I am already at my destination?

Accepted Answer

Yes, you can only purchase the IATI Total Confort insurance, which is the only one that allows you to sign up after your trip has started. In this case, there is a 72-hour waiting period. Moreover, any incident that occurred during the first voucher would no longer be covered at the start of the second one, as it would be considered a pre-existing condition for this new voucher.

Question 31

I'm traveling with another person, should we get a joint assistance plan, or individual ones?

Accepted Answer

Both must be included in the same assistance, as they have coverages from which they mutually benefit in case one of the voucher members requires assistance.

Question 32

If several people are included in the same voucher, would hiring assistance be cheaper?

Accepted Answer

No, the price per beneficiary is the same.

Question 33

Should travel insurance be purchased for kids?

Accepted Answer

Yes, insurance should be purchased just like for adults.

Question 34

I need to make use of one of the policy guarantees, what should I do?

Accepted Answer

If you need to use any service included in the voucher's guarantees, you must call the 24-hour Permanent Care Operational Center of the assistance provider, providing your name along with your voucher number, and they will indicate the process to follow.

Question 35

What is the phone number for the 24-hour Permanent Care Operations Center?

Accepted Answer

24-hour medical assistance phone: +34 934857735

Question 36

At the 24-hour Permanent Attention Operational Center, will I be assisted in Spanish?

Accepted Answer

Yes, the 24-hour Permanent Care Operational Center of the assistance service will attend to you in Spanish.

Question 37

If I need medical assistance, how should I proceed?

Accepted Answer

If you need medical assistance, you should call the 24-hour Permanent Care Operational Center of the assistance provider, providing your name and voucher number. There we will inform you of the steps you should follow depending on the circumstances.

The easiest way is by accessing the IATI app and you will have direct access to the 24h Operational Support Center. Don't forget to download the app before you go on your trip.

Question 38

Do I have to advance the cost of medical expenses?

Accepted Answer

If you call the 24-hour Permanent Care Operational Center of the assistance service to request medical aid, you won't have to advance the payment for medical expenses. We will take care of everything.

If it's an emergency and you are already being assisted, you will continue to be covered, but you will have to pay the expenses and you will be reimbursed upon your return up to the limit of your coverages, by presenting the receipts. Even in this case, you must call as soon as possible and we will inform you of the procedure to follow.

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