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Global Travel Insurance

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 €4,800,000
Extendable medical coverage up to €4,800,000Extension available only at purchase.
Includes the most popular adventure activities
Includes the most popular adventure activitiesTrekking, snorkeling, hiking, and diving up to the specified limits.
Optional cancellation coverage up to €5,000
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 €2,500
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

€1,000,000

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

Dental expenses

€500

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

Included

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

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

Included

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.

Accomodation/Transport of a relative

€1,400

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.

Delivery of medication abroad

Included

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

€1,400

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.

Repatriation or transportation of the sick or deceased

100%

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.

Early return in case of hospitalisation or death of a family member

100%

If a close family member (up to the second degree) dies or is hospitalised, we will cover your and your travel companion’s repatriation.

Repatriation or transport of the other insured persons

100%

If you need repatriation due to illness or death, we will also cover the repatriation of your insured travel companion.

Early return due to a major incident at the insured’s home or business.

€1,000

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.

Theft and damage to baggage

€2,500

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.

Locating and sending lost baggage

Included

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 delivery of checked baggage

€300

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.

Delivery of forgotten items during your trip

€120

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.

Missed transport connections

€350

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.

Delayed departure of the means of transport

€300

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.

Loss of transport due to an accident en route

€150

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.

Changes to your initially booked flights

€200

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).

Reimbursement for missed holidays

€2,000

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.

Adventure sports

Included

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

Included

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

€200

If your supporting documents are lost or stolen, we will reimburse your replacement costs up to €200 subject to proof.

Cash advances abroad

€3,000

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.

Extended stay due to natural disasters

€1,000

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.

Private civil liability

€60,000

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

€3,000

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

€3,000

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

Claims for service contracts abroad

€3,000

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.

Claims for purchase contracts abroad

€3,000

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

Accidental death coverage

€4,000

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

Accidental disability coverage

€18,000

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

Cancellation expenses coverage

€5,000

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.

General conditionsCancellation coverage

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