TRAVEL ASSISTANCE INSURANCE PRODUCT INFORMATION DOCUMENT

Travel insurance

Travel assistance insurance product information document.

Product: Cancellation Insurance + travel assistance and COVID included

What is this type of insurance?
This insurance policy covers the economic damages derived from isolation and convalescence due to COVID-19, on the one hand in the moments prior to the activity and on the other hand, within the hotel where you stay, medical and sanitary assistance and repatriation.

What does the insurance cover?
In the event of an incident covered by this policy, the Insurer guarantees the provision of the following services:

Causes occurring after the insurance policy has been taken out that prevent you from attending the event on the dates contracted:

ALHAMBRA ONLINE guarantees up to the economic limit established in the Particular Conditions of the policy, and subject to the specific exclusions of cancellation mentioned in this policy, the reimbursement of the expenses for cancellation OF THE CONTRACTED TOURIST SERVICES, EXCURSIONS, GUIDED TOURS, ETC ,  INSURED BY THIS POLICY that occur at the expense of the Insured and that are invoiced to him/her by application of the general conditions of sale of the Agency, or of any of the suppliers of the trip, provided that he/she cancels the same before the commencement of the trip and for one of the following causes occurring after the contracting of the insurance and which prevents him/her from attending the event on the contracted dates:

Due to the death or hospitalisation for at least one night, serious illness or serious bodily accident of:
– Insured, or of one of their relatives, as established in the definition of the General Conditions of the policy.
– The professional substitute of the Insured.
– Of the person in charge, during the Insured’s trip, of the custody of minors, the elderly or disabled persons who were in the care of the Insured.

In relation to the Insured, Serious Illness is understood to mean a health alteration that implies hospitalisation or the need to stay in bed within the 7 days prior to the trip or which, in the opinion of the Company’s medical team, makes it medically impossible for the Insured to start the trip on the planned date.

Serious Accident means bodily injury, unintentional on the part of the victim, resulting from the sudden action of an external cause and which, in the opinion of a medical professional, makes it impossible for the Insured to start the trip on the scheduled date, or which entails a risk of death for any of the aforementioned family members.
When the illness affects any of the aforementioned persons other than the Insured, it shall be understood to be serious when it involves hospitalisation for at least one night or the need to stay in bed for a period of at least 3 days, in both cases provided that it is within the 7 days prior to the start of the trip or involves a risk of imminent death.

Cancellation of the means of public transport used by the insured person to reach the event. This cancellation must prevent the insured person from attending the event. The presentation of the supporting documents issued by the Entity owning the means of public transport certifying the cancellation will be necessary for the processing of the payment. This indemnity shall be paid as long as it has not been assumed by the Transport Company.
Due to the occurrence of a serious matter, understood as such damage due to fire, flooding or consummated theft, circumstances that must be accredited with documentary proof, that affects the property of the Insured and makes their presence at their main residence indispensable:
– Main residence.

– Professional or business premises.
4. Due to the summons of the Insured Party as a party or witness in a court of law.

Due to the summons as a member of a polling station for state, regional or municipal elections.
Due to the delivery of a child for adoption during the planned dates of the trip.
7. Due to a court summons for divorce proceedings occurring after the trip has been taken out and coinciding with the date of the trip.
Due to the police detention of the Insured for non-criminal causes, occurring after the subscription of the insurance policy and coinciding with the dates of the trip.
Due to the declaration of income tax made at the same time, carried out by the Ministry of Finance and Public Administrations which results in an amount to be paid by the Insured Party of more than 600 €.
Due to the imposition of a traffic fine of more than 600 €.
Due to the withdrawal of the driving licence provided that the vehicle was to be used as a means of locomotion for the journey and none of the Insured’s companions could replace him/her in the driving of the vehicle.
Due to taking official competitive examinations organised by a public body after the insurance policy has been taken out.

What is not covered by the insurance?

The covers agreed do not include:

1. a) Events voluntarily caused by the Insured Party or those in which there is malice or gross negligence on the part of the Insured Party.
2. b) Illnesses, chronic, congenital and/or pre-existing illnesses, as well as their consequences, suffered by the Insured prior to the start of the trip, except for those expressly covered.
3. c) Death by suicide or injuries or illnesses resulting from the attempt or caused intentionally by the Insured to
4. c) Death by suicide or injuries or illnesses resulting from the attempt or caused intentionally by the Insured to himself or herself, and those resulting from the criminal enterprise of the Insured.
5. d) Illnesses or pathological states caused by the ingestion of alcohol, psychotropic drugs, hallucinogens or any drug or substance of similar characteristics.
6. e) Cosmetic treatments and the supply or replacement of hearing aids, contact lenses, glasses, orthoses and prostheses in general, as well as expenses arising from childbirth or pregnancy and any type of mental illness.
7. f) Injuries or illnesses deriving from the participation of the Insured in bets, competitions or sporting events, and the practice of sporting and/or adventure activities not expressly covered.
8. g) Those cases arising, directly or indirectly, from events produced by nuclear energy, radioactive radiation, natural catastrophes, acts of war, riots or terrorist acts.
9. h) Injuries produced by the professional practice of any type of sport.
10. i) The rescue of people in the desert and/or at sea.
11. j) Any type of medical or pharmaceutical expenses of an amount lower than that stipulated in the Particular Conditions of the policy.
12. k) The use of medical aircraft except in Europe and always at the discretion of the Insurer’s Medical Team.

Where am I covered?

The territorial scope of the policy is Spain.

When am I covered?

In order to benefit from the guarantees covered, the time spent by the Insured outside their habitual residence must not exceed 1 day’s stay for the practice of the activity.

Table of cover.