Any queries? We’ll answer them below

Depending on the type of trip and the coverage you need for your destination, you can take out an IATI Basic, IATI Standard, IATI Star, IATI Backpacker or IATI Family policy. The main difference between the first three is medical expense coverage, which is 50,000 in the first, 300,000 in the second and 1.000.000 in the third. IATI BACKPACKER is insurance for adventurous travellers with medical expense coverage of 500,000 IATI FAMILY is insurance for traveller families with medical expense coverage of 300,000 To travel to destinations such as the United States, Canada, Australia or New Zealand, and in general Southeast Asian countries, where health is particularly expensive, we recommend our Star IATI product

All our insurance policies provide the option to add cancellation cover of up to €2,000.

IATI Classic, IATI Total Confort and IATI Multitrip offer coverage for basic adventure activities (check the summary of coverage of each product). IATI Backpacker is especially designed to insure these types of activities. Therefore, it offers a premium adventure sports package, which you can check out in the summary of coverage.

The IATI Backpacker insurance covers diving and underwater activities up to 40 metres deep. IATI Classic, IATI Total Confort and IATI Multitrip cover diving and underwater activities at a depth of less than 20 metres.

The IATI Backpacker insurance covers up to an altitude of 5,400 m. IATI Classic, IATI Total Confort and IATI Multitrip cover trekking up to an altitude of 3,000 m.

Cancellation insurance gives you reimbursement up to the limit you purchase for any expenses you incur and cannot directly recover from the travel supplier (such as flights, hotels), provided that you cancel the trip before it begins and for a reason covered by the policy.

No, the cost of the insurance is not refundable. Cancellation covers only money paid to a travel supplier, such as flights, hotels and so on.

No. Our cancellation insurance is an add-on to assistance insurance, which you can purchase after selecting your travel insurance in the product comparison.

No, each policy sets out the specific reasons for cancellation that it covers and that you can claim compensation for when you cannot be reimbursed by the travel supplier. The reasons accepted for cancelling a trip are set out in the full policy document for each travel insurance that provides cancellation cover IATI Standard, IATI Star, IATI Backpacker, IATI Family, IATI Students and IATI Cancellation.

If you want a comprehensive policy with medical assistance and cancellation, you can take out IATI Standard (up to 1,500 cancellation costs), IATI Star (up to 5,000) IATI Backpacker (up to 2,000), IATI Family (up to 1,500), or IATI Students (up to 2000), depending on the coverage you need, with cancellation cover. If you only want cancellation cover, you can take out the IATI Cancellation which covers you for up to 6,000 per traveler.

IATI Cancellation: the same day you buy your airline tickets or travel package, or any time until the day before the trip, in which case there is a deferment period of 7 days.

IATI Standard, IATI Star/Premium, IATI Family and IATI Students with cancellation: to be covered for cancellation, you must purchase your insurance on the same day you buy your airline tickets or travel package, or within 7 days.

The cancellation cover starts as soon as you purchase the policy, regardless of whether the policy conditions include a deferment period of 7 days. Therefore, NO changes can be made to policies that include cancellation cover

No, there is no excess with IATI.

Our only policy with an age limit is the IATI Backpacker, which is not available to anyone over 70 years old.

You are covered for luggage theft when intimidating means are used and provided you submit the corresponding police report. You are NOT covered if your luggage is not attended and you do not realise it is being stolen.

Yes, the insurance covers you and the medical assistance you require up to the limit purchased. You are not covered for damage to the vehicle or damage that the vehicle causes to others.

Yes, repatriation coverage is unlimited in all of our policies.

Our travel assistance policies have limited and closed coverage that cannot be modified on demand.

The travel assistance + cancellation policies are NOT modifiable or refundable.

Travel assistance policies WITHOUT cancellation, can be modified / canceled maximum 72 hrs. before the departure of the trip. It entails a surcharge of 10% of the paid price (minimum of 15 and a maximum of 50).

You can contract a new policy IATI Backpacker , IATI Star with the same start date as the expiration of your current policy.

Yes, the coverage of our travel assistance policies are the same for all travellers included therein.

No, any kind of actions that derive, directly or indirectly, from events produced by riots, warlike actions or terrorist acts are not covered by the policy.

There is a fact sheet for every policy containing the following information in the Travel Insurance section: description of the insurance, summary of coverage, details of cancellation cover (if applicable), and the full wording of the policy.

Fill in the form which is on the home page and the travel page of the product you are interested in and click on Get a quote

Fill in the form which is on the home page and the travel page of the product you are interested in and click on “Calculate quote”.Select the product and click “Continue”Fill in your personal details and click “Continue”Select your preferred payment method, check the box I have read and accept the terms of the contract and Information on Compliance Law 26/2006 and click on Purchase Policy

You can pay for your travel insurance online by:

Card (Mastercard and Visa)Bank transfer (the policy will not be effective until we receive the amount or proof of the transfer)

No, the full amount must be paid in one payment

State your permanent place of residence, the place where we should take you in the case of repatriation.

You can choose the furthest country

The date you purchase your airline tickets or travel package.

If your IATI travel insurance is without cancellation, you can purchase it up to the day before the policy start date. If you purchase your cancellation insurance together with your travel insurance, it must be purchased when you book the trip covered by this policy, or within seven days.

Yes, you can take out the IATI Star and IATI Backpacker, and you will be covered for anything that happens to you as of the policy start date. No pre-existing conditions will be covered.

You should both be included in the same policy because you will be mutually covered in the event one of the insured persons requires assistance.

No, the price per person insured is the same.

Children should be insured just like adults.

If you need to use any of the services that you are covered for under your policy, call our 24-hour Helpdesk, give your name and policy number and we will tell you how to proceed.

If you book any of our travel insurances can call to 00 34 934857735

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If you require medical assistance, call our 24-hour Helpdesk and give your name and policy number. Our operators will tell you what you need to do according to your circumstances.

If it is an emergency and you are already being assisted, call as soon as possible and we will tell you what to do next.

If the country you are in allows for reverse charges calls, we will accept the call.

If not, you can request reimbursement for the cost of calls made, providing proper proof and justification.

If you call our 24-hour Helpdesk to receive medical assistance, you won’t have to pay any medical charges up front. We will take care of everything.

If it is an emergency and you are already being assisted, you will still be covered but you will have to pay any charges and be reimbursed up to the limit of your coverage, when you submit the invoices. In any event, you should still call us as soon as possible and we will tell you what to do next.