IATI Star

Our best travel insurance coverage

#Premium

#International

#USA

Why choose IATI Star for my trip?

IATI Star is our best travel insurance plan, offering medical coverage up to €1M (extendable to €4.8M), optional trip cancellation up to €2,000, and protection for adventure sports and cruises—so you can enjoy your trip worry-free. Designed for destinations with high medical costs, such as the USA, Canada, or Japan.

Extendable medical coverage up to €4,800,000Extension available only at purchase.

Includes the most popular adventure activitiesTrekking, snorkeling, hiking, and diving up to the specified limits.

Optional cancellation coverage up to €5,000Cancellation cover must be purchased with or within 7 days of booking the trip.

Option for luggage theft and damage coverage up to €2,500Theft, damage, or delay in delivery of checked baggage included.

What does the IATI Star include?

Medical assistance abroad

We cover any medical and hospital expenses resulting from an illness or accident while on holiday.

€1,000,000

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.

€500

Personal injury in motor vehicle accidents

We cover medical and hospital expenses in case of a motor vehicle accident

Included

Chronic, pre-existing or congenital conditions - life threatening emergencies

In the event of a life-threatening emergency caused by an unpredictable complication of a chronic, pre-existing, or congenital condition, we will cover emergency primary healthcare costs for the first 24 hours from hospital admission.

Included

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 €100 per day for 14 days. We will also cover travel expenses in the event of death.

€1,400

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.

Included

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.

€1,400

Medical assistance abroad

We cover any medical and hospital expenses resulting from an illness or accident while on holiday.

€1,000,000

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.

€500

Personal injury in motor vehicle accidents

We cover medical and hospital expenses in case of a motor vehicle accident

Included

Chronic, pre-existing or congenital conditions - life threatening emergencies

Included

Accomodation/Transport of a relative

€1,400

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.

Included

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.

€1,400

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.

100%

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.

100%

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.

100%

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.

€1,000

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.

€2,500

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.

Included

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.

€300

Delivery of forgotten items during your trip

If you forget an item or recover one that has been stolen during your trip, we will arrange for it to be sent to your home.

€120

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.

€350

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.

€300

Loss of transport due to an accident en route

If you miss the flight or public transport at the start of your journey due to an accident on the way to the airport or departure point, we will reimburse your meal expenses up to the maximum limit indicated, upon presentation of proof of payment.

€150

Changes to your initially booked flights

In the event of overbooking or last-minute cancellation, we will reimburse your meal expenses up to the maximum limit indicated (€50 for every 6 hours).

€200

Reimbursement for missed holidays

If you are forced to cut your trip short and return home prematurely for any reason covered under this policy’s repatriation or early return provisions, we will provide compensation up to the maximum limit indicated.

€2,000

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.

Included

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.

Included

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.

€200

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.

€3,000

Extended stay due to natural disasters

In the event of fire, lightning strike, explosion, earthquake, avalanche, storm, tempest, tsunami, hurricane, flood, medical epidemic, we will cover the costs of accommodation, up to a maximum of €100 per day for 10 days.

€1,000

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.

€60,000

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.

€3,000

Claims for damages abroad

We claim for damages that you may suffer as a pedestrian or passenger on any means of transport.

€3,000

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.

€3,000

Claims for purchase contracts abroad

We pursue claims for breaches of purchase contracts related to decorative items, household appliances, and personal belongings.

€3,000

Accidental death coverage

We will also compensate in the event of accidental death during the trip.

€4,000

Accidental disability coverage

We will compensate you in the event of permanent, full or partial disability resulting from an accident during the trip.

€18,000

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.

€5,000

General conditions General conditions

Compare Our Products

The Most Important Things About Your Insurance

	IATI Basic Our cheap travel insurance keeps your short trips worry-free From €1,26 per person/day	IATI Standard Travel insurance with medical cover provides medium-level protection From €1,43 per person/day	IATI Backpacker Backpacker travel insurance for every adventure From €2,02 per person/day
The Most Important Things About Your Insurance
Medical assistance abroad	€50.000	€300.000	€500.000
Dental expenses	€100	€350	€350
Personal injury in motor vehicle accidents	Included	Included	Included
Chronic, pre-existing or congenital conditions - life threatening emergencies	Included	Included	Included
Accomodation/Transport of a relative	€420	-	-
Delivery of medication abroad	Included	Included	Included
Convalescence in a hotel	€588	-	-
Accomodation/Transport of a relative	-	€750	-
Convalescence in a hotel	-	€1,050	-
Accomodation/Transport of a relative	-	-	€600
Convalescence in a hotel	-	-	€840

IATI Star

Our best travel insurance coverage

Why choose IATI Star for my trip?

What does the IATI Star include?

Medical expenses abroad

Repatriation and medical transport expenses

Baggage

Refunds for delays

Adventure

Help in case of emergency

Legal coverage

Accidents

Cancellation (Optional)

Medical assistance abroad

Dental expenses

Personal injury in motor vehicle accidents

Chronic, pre-existing or congenital conditions - life threatening emergencies

Accomodation/Transport of a relative

Delivery of medication abroad

Convalescence in a hotel

Compare Our Products

The Most Important Things About Your Insurance

IATI Basic

Our cheap travel insurance keeps your short trips worry-free

€1,26

IATI Standard

Travel insurance with medical cover provides medium-level protection

€1,43

IATI Backpacker

Backpacker travel insurance for every adventure

€2,02