IATI Total Comfort
Our premium travel insurance for each adventure
#Premium
#International
#USA
Why choose IATI Total Comfort for my trip?
IATI Total Comfort is our best travel insurance plan, offering medical coverage up to €10M, optional trip cancellation up to €2,000. Designed for destinations with high medical costs, such as the USA, Canada, or Japan.
What does the IATI Total Comfort include?
Medical assistance abroad
We cover any medical and hospital expenses resulting from an illness or accident while on holiday.
Dental expenses
We cover the costs of emergency treatment resulting from acute dental problems, such as infections, pain, trauma, or as the result of an accident.
Personal injury in motor vehicle accidents
We cover medical and hospital expenses in case of a motor vehicle accident
Accomodation/Transport of a relative
If you are hospitalized for more than 2 days, we will cover a family member’s travel and accommodation costs, up to €90 per day for 14 days. We will also cover travel expenses in the event of death up to €900.
Delivery of medication abroad
If you can’t find the medication you need abroad, we will send it to you as quickly as possible, and you can reimburse us once you return.
Convalescence in a hotel
If you are unable to return home for medical reasons, we will cover the costs of convalescence in a hotel for up to €100 per day for 14 days.
Early return in case of hospitalisation or death of a family member
If a close family member (up to the second degree) dies or is hospitalised, we will cover your and your travel companion’s repatriation.
Early return due to a major incident at the insured’s home or business.
In the event of a major casualty at your home or business establishment for which you must be present, we will repatriate both you and your travel companion.
Repatriation or transportation of the sick or deceased
If you suffer a serious illness or accident, we will cover the cost of emergency transportation to the nearest medical facility offering the most appropriate treatment — and, if necessary, your return home or repatriation in the event of death.
Repatriation or transport of the other insured persons
If you need repatriation due to illness or death, we will also cover the repatriation of your insured travel companion.
Delay in delivery of checked baggage
If the carrier takes more than 8 hours to deliver your baggage, we will reimburse you for any basic items you may need to purchase, as long as you provide a receipt.
Locating and sending lost baggage
If the carrier loses your baggage on a regular flight, we will help you find it, and we will send it to you.
Delay in the delivery of your checked skiing and golf equipment
If your checked skiing or golf equipment is delayed at your destination, we will reimburse you the maximum amount indicated for renting the material.
Theft and damage to baggage
We cover theft of baggage involving violence or intimidation, provided a police report is filed, as well as any damage to or loss of baggage on public transport, provided a complaint is lodged with the transport company. Computers, tablets, and photographic equipment are covered up to 50% of the policy limit.
Delayed departure of the means of transport
If the transport you are travelling on is delayed by more than 6 hours, we will reimburse you €50 for every 6-hour period, upon presentation of proof of payment, to cover part of the expenses incurred. Delays caused by strikes or social conflicts are excluded.
Missed transport connections
If the transport you are travelling on is delayed by more than 4 hours, we will reimburse you, upon presentation of proof of payment, to cover part of the expenses incurred. Delays caused by strikes or social conflicts are excluded.
Travel delay due to overbooking
If, due to overbooking, the use of the means of transport is delayed, we will reimburse your travel, accommodation and meal expenses up to the maximum limit indicated, provided that the delay exceeds 6 hours.
Adventure sports
Adventure sports covered by this policy are: athletics, gymnasium activities, ranch activities (bullfighting, etc.), basketball, motorboats (with driver), cycling, cycle touring, canoeing, curling, shooting sports / small game hunting, organised balloon trips, general hiking, jogging, football, golf, pedal boats, ball games, beach games and other beach and camping activities, go-karting, kayaking, jet skiing, snowmobiling, swimming, sailing, orienteering, paddle surfing, paddle tennis, paddle tennis, paintball, helicopter tours, skating, fishing, canoeing, Tibetan bridge, snowshoeing, climbing wall, 4x4 routes, Segway, hiking, snorkelling, surfing and windsurfing, tennis, zip line, trekking below 3,000 metres, sledging in ski resorts, dog sledding (mushing), equestrian tourism, diving and underwater activities at depths of less than 20 metres and any other similar activity.
Forwarding of urgent messages
If, as the result of an accident for which we are covering you, you need to send a message to your family members and are unable to do so, we can send it for you.
Expenses for lost travel documents
If your supporting documents are lost or stolen, we will reimburse your replacement costs up to €200 subject to proof.
Cash advances abroad
If, for any reason, you run out of funds to continue your trip, we will provide a cash advance up to the indicated limit, provided a guarantor is presented. This cash advance must be repaid within 30 days.
Interpreter service
If, due to any of the assistance guarantees, you require the presence of an interpreter during an initial intervention, we will provide you with a person who can provide a correct translation regarding the circumstances and situations.
Private civil liability
We cover any compensation you are required to pay as liable for involuntary injury or material damage you may cause to any third-party. *This coverage only applies to journeys to and from Spain.
Criminal liability defence abroad
We defend your criminal liability in proceedings brought before foreign courts for events occurring in your private life during your trip.
Claims for damages abroad
We claim for damages that you may suffer as a pedestrian or passenger on any means of transport.
Claims for service contracts abroad
We handle claims arising from breaches of contracts in medical and hospital services, travel, tourism and hotel services, as well as cleaning, laundry, and dry-cleaning services.
Accidental death coverage
We will also compensate in the event of accidental death during the trip.
Accidental disability coverage
We will compensate you in the event of permanent, full or partial disability resulting from an accident during the trip.
Cancellation expenses coverage
We will reimburse any non-recoverable costs you incur when cancelling your trip—such as flights, hotels, and other travel services—provided you cancel before the start of your trip and for a reason covered under this policy. For a full list of covered reasons, please refer to the PDF.
Reimbursement for missed holidays
If you are forced to conclude your trip once started, and return home prematurely for any of the causes of repatriation or premature return covered in this policy, we will cover any compensation up to the maximum limit indicated.
Medical assistance abroad
We cover any medical and hospital expenses resulting from an illness or accident while on holiday.
Dental expenses
We cover the costs of emergency treatment resulting from acute dental problems, such as infections, pain, trauma, or as the result of an accident.
Personal injury in motor vehicle accidents
We cover medical and hospital expenses in case of a motor vehicle accident
Accomodation/Transport of a relative
If you are hospitalized for more than 2 days, we will cover a family member’s travel and accommodation costs, up to €90 per day for 14 days. We will also cover travel expenses in the event of death up to €900.
Delivery of medication abroad
If you can’t find the medication you need abroad, we will send it to you as quickly as possible, and you can reimburse us once you return.
Convalescence in a hotel
If you are unable to return home for medical reasons, we will cover the costs of convalescence in a hotel for up to €100 per day for 14 days.