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, or IATI Backpacker 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 up to €500,000. To travel to destinations such as the United States, Canada, Australia or New Zealand, and Southeast Asian countries in general, where health is particularly expensive, we recommend our IATI Star product.

You can take out the IATI Standard, IATI Star, IATI Backpacker policy depending on the coverage you need, WITH cancellation

Policies that provide this coverage are IATI Star and IATI Backpacker.

All of our products cover the entire Schengen area.

The IATI Backpacker insurance covers diving and underwater activities up to 40 metres deep. IATI Star covers diving and underwater activities at a depth of less than 20 metres.

The IATI Star insurance covers trekking up to an altitude of 3,000 m and the IATI Backpacker insurance covers up to an altitude of 5,400 m.

Iati Backpackers cover biking

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, 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) and IATI Backpacker (up to €2,000), 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 traveller.

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 seven-day deferment period. IATI Standard and IATI Star 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 seven 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.

All of our products cover for initial emergency medical assistance for 24 hours.

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.

Our products only cover the first 24 weeks of pregnancy and emergency healthcare during the first 24 hours.

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).

If you are outside your country of residence, you will not be able to take out any Iati insurance.

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

The IATI Star insurance covers early return of the policyholder due to extraordinary risks. The Insurer will cover the cost of transporting the insured person to his/her usual place of residence by plane (tourist class) from the nearest international airport, or train (1st class) from the nearest safe station.

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. However, all of our travel insurance policies with cancellation cover – IATI Standard, IATI Backpacker and IATI Star, as well as IATI Cancellation – have specific restrictions on the purchase date. You can find out the period in the product page of each of these policies or in the drop-down “cancellation cover” in this section.

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. All policies taken out at destination have a 72-hour waiting period from the time of taking out the policy.

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.

All of our assistance insurance has coverage for coronavirus during the trip. This coverage includes diagnostic tests (PCR) prescribed by health professionals in case of symptoms compatible with the disease, medical assistance, medical transport, hospitalization, quarantine and repatriation

Quarantine is contemplated with the convalescence coverage in the hotel and is 10 days in all our products

There is no cancellation coverage for causes derived from Covid

No, these assumptions are not included as a cause for cancellation in our insurance

The Iati Star and Iati Premium Star insurances offer the coverage of “extension of stay due to natural catastrophe“ that covers accommodation costs up to a maximum of 100€ per day up to a maximum of 10 days in case of not being able to return to your country or by quarantine.