Maailmanlaajuinen matkavakuutus

Wherever your destination takes you, we have the best insurance for it

This insurance comprises the different assistance services that make up the traveller’s protection system for the Insured Party who will travel within the territorial area contracted.
Adventure
To ensure the perfect adventure holidays, travel with the best insurance
Business
We’ll take care of your insurance so you can focus on your business
Cruise
Enjoy your holidays on a cruise, while we guarantee your peace of mind
Holidays
Enjoy your holidays with total peace of mind with the most comprehensive travel assistance insurance
Skiing trips
Choose the best spot for skiing with the most complete coverage
Students
Enjoy your student trip with total peace of mind with the most comprehensive travel assistance insurance

Osta verkosta *

Get informed now *

* Tällä hetkellä tämän vakuutuksen tekemistä koskevat tiedot voidaan siirtää vain lomakkeella englanniksi ja espanjaksi.

Kun olet toimittanut lomakkeen ARAG: lle, uusi välilehti avautuu pankin verkkosivuilla maksuprosessia varten. Tämä voidaan konfiguroida uudelleen suomeksi.

Jos tämä on ongelma sinulle, voit ottaa meihin yhteyttä suoraan.
Autamme mielellämme!

Kuvaus

Are there restrictions with regard to coverage?

The four main restrictions are:

In the event that the Insured Party does not live in Spain, they will be covered for repatriation to the location where their trip began in Spain.
The Insurer shall not assume any responsibility for benefits that have not been requested and previously agreed to, except in cases of force majeure or those whose nature is impossible to demonstrate.
Coverage for diseases or conditions caused by the intentional ingestion or consumption of alcohol, toxic substances, narcotics or the use of nonprescription medicines.
Coverage for suicide death and injury or illnesses resulting from the intent of the Insured Party to injure themselves and those derived from criminal actions.
Aesthetic treatments and the supply or replacement of hearing aids, contact lenses, glasses, orthoses
and prostheses in general, as well as the expenses caused by births or pregnancies and any type of mental illness.
Injuries or illnesses arising from the Insured party’s participation in gambling, competitions or sports tests, and carrying out sports and/or any adventure activities not expressly covered.
The rescue of people in the desert and/or at sea.
Injuries produced by the professional practice of any type of sport.

What is the insured amount?

There are several amounts insured according to the coverages offered. The most noteworthy are:

Medical and health care:
Spain: €2,000 to €5,000.
Europe and the Mediterranean: €100,000 to €250,000.
The world: €150,000 which can be extended to €250,000.
Maximum dental coverage €250
If the Insured Party is hospitalised abroad, coverage for their companion’s accommodation expenses: maximum €1000 (€100 x 10 days).
Insured Party’s convalescence in a hotel: maximum €1,000 (€100 x 10 days).
Home help: up to €120.
Delivery of forgotten or stolen items: up to €120.
Delay in the delivery of checked luggage: up to €120.
Theft and damage to luggage: €600 to €1,500.
Travel cancellation expenses: €600 to €4,000.
Loss of keys: up to €120.
Coverage of legal defence: €3,000
Delay of the trip due to departure delay: up to €300 (€50 for every 6 hours).
Rescue: €3,000
Expenses incurred due to kidnapping: €3,000
Personal accidents due to death or disability: €15,000 to €60,000.
Personal accidents due to death or disability in public transport: €50,000 to €60,000
Civil Liability: €50,000 to €60,000.

The entire cost is covered for items such as:

Repatriation or transportation of injured, ill or deceased parties.
Repatriation or transportation of minors or disabled people and other insured parties.
Early return due to hospitalisation of a relative or due to a serious incident in the Insured Party’s home or work premises
Travel expenses for a relative to accompany a child.

Where am I covered?

You can choose between coverage in Spain, Europe or the whole world.
Europe includes the countries bordering the Mediterranean:
Morocco, Algeria, Tunisia, Libya, Egypt, Jordan, Israel, Palestine, Lebanon, Syria, Cyprus and Turkey.
Medical and Health Assistance coverage is applicable when the Insured Party is further than 50 km from their habitual residence.
The other items covered by this policy, except for Cancellation Expenses, are applicable when the
Insured Party is further than 20 Km from their habitual residence.
All coverages will take effect when the Insured Party is at the place of departure – port, airport or train/bus station – for the insured trip.

What are my obligations?

Payment of the premium in the conditions stipulated in the policy.
Declare to ARAG, before the formalisation of the contract, all the circumstances known to you that may influence the risk assessment, according to the questionnaire.
During the term of the contract, notify ARAG of any modifications to the circumstances declared in the questionnaire that might aggravate the risk.
When an incident requiring the use of this policy occurs, it is essential that the Insured Party notifies it to ARAG’s emergency telephone service, indicating the name of the Insured Party, policy number, location and phone number of the location and the type of assistance that is needed.
Provide all the information you have regarding the circumstances and consequences of an incident
and use all the means at your disposal to mitigate any consequences.

When and how do I make payments?

The contractor is obliged to pay the premium as soon as the contract is formalised. Unless otherwise agreed, it will be
made in one sole payment. Depending on the agreement with the company, payment of the premium can be made by
direct debit, bank transfer or credit/debit card.

When does coverage begin and end?

The temporary duration of the insurance coverage will be that specified in the Particular Conditions.

How can I cancel the contract?

If the General Conditions establish that the contract is renewed every year, you can cancel its automatic renewal by
communicating your intentions in writing at least one month before the renewal date.
Special case: If you have contracted your insurance online, you can cancel it during the first 14 days by sending us a
written communication. However, you cannot cancel travel or luggage insurance whose duration is less than one month
or any other type of insurance whose duration is less than 14 days.

Palvelut

Medical and Health Care.
Repatriation or transportation of injured, ill or de- ceased parties.
Repatriation or transportation of minors or disa- bled people and other insured parties.
Travel for a relative in case of hospitalisation or accompaniment of a minor or disabled child.
Expenses for accommodation abroad.
Convalescence in hotel.
Help for relatives living in the hospitalised Insured Party’s home.
Early return due to hospitalisation of a relative or due to a serious incident in the Insured Party’s home or work premises.
Search, finding and delivery of lost luggage.
Delivery of items that have been forgotten or sto-
len during the trip.
Delay of more than 12 hours in the delivery of checked luggage.
Theft and damage to luggage.
Delay in the arrival of transportation.
Travel cancellation expenses.
Refund of holidays not enjoyed.
Loss of keys to the Insured Party’s habitual resi- dence.
Expenses incurred due to kidnapping.
Rescue of people.
Defence of criminal responsibility abroad.
Legal consultation abroad.
Claims for damages abroad.
Claims for purchase or service contracts abroad.
Personal accidents, death or disability, 24 hours.
Private civil liability.

SERVICE +

, enemmän kuin välttämätön

Iberia Vakuutusmeklarit tarjoaa asiakkailleen Iberia Service+-palvelua. Mitä tämä kattaa? Asiakkaanamme olet meille arvokas, ja siksi haluamme tarjota asiakkaillemme enemmän kuin vain vakuutusten vakiovalikoiman. Kyseessä on palvelu, josta yhdenkään asiakkaamme ei tarvitse maksaa ylimääräistä tai tehdä erillistä sopimusta – se on palvelumme sinulle.

Yli 10 eri vakuutusyhtiön vakuutusvalikoima
24/7-palvelunumero maksutta koko Espanjassa
Asiakkaiden henkilökohtainen neuvonta paikan päällä
Nykyisten vakuutusten kustannus-hyötyanalyysi optimointiehdotuksin
Neuvonta omalla kielelläsi

Get informed now *

* Tällä hetkellä tämän vakuutuksen tekemistä koskevat tiedot voidaan siirtää vain lomakkeella englanniksi ja espanjaksi.

Kun olet toimittanut lomakkeen ARAG: lle, uusi välilehti avautuu pankin verkkosivuilla maksuprosessia varten. Tämä voidaan konfiguroida uudelleen suomeksi.

Jos tämä on ongelma sinulle, voit ottaa meihin yhteyttä suoraan.
Autamme mielellämme!

+34 971 69 90 96

Soita minulle

1 Step 1

Kuvaus

Are there restrictions with regard to coverage?

The four main restrictions are:

In the event that the Insured Party does not live in Spain, they will be covered for repatriation to the location where their trip began in Spain.
The Insurer shall not assume any responsibility for benefits that have not been requested and previously agreed to, except in cases of force majeure or those whose nature is impossible to demonstrate.
Coverage for diseases or conditions caused by the intentional ingestion or consumption of alcohol, toxic substances, narcotics or the use of nonprescription medicines.
Coverage for suicide death and injury or illnesses resulting from the intent of the Insured Party to injure themselves and those derived from criminal actions.
Aesthetic treatments and the supply or replacement of hearing aids, contact lenses, glasses, orthoses
and prostheses in general, as well as the expenses caused by births or pregnancies and any type of mental illness.
Injuries or illnesses arising from the Insured party’s participation in gambling, competitions or sports tests, and carrying out sports and/or any adventure activities not expressly covered.
The rescue of people in the desert and/or at sea.
Injuries produced by the professional practice of any type of sport.

What is the insured amount?

There are several amounts insured according to the coverages offered. The most noteworthy are:

Medical and health care:
Spain: €2,000 to €5,000.
Europe and the Mediterranean: €100,000 to €250,000.
The world: €150,000 which can be extended to €250,000.
Maximum dental coverage €250
If the Insured Party is hospitalised abroad, coverage for their companion’s accommodation expenses: maximum €1000 (€100 x 10 days).
Insured Party’s convalescence in a hotel: maximum €1,000 (€100 x 10 days).
Home help: up to €120.
Delivery of forgotten or stolen items: up to €120.
Delay in the delivery of checked luggage: up to €120.
Theft and damage to luggage: €600 to €1,500.
Travel cancellation expenses: €600 to €4,000.
Loss of keys: up to €120.
Coverage of legal defence: €3,000
Delay of the trip due to departure delay: up to €300 (€50 for every 6 hours).
Rescue: €3,000
Expenses incurred due to kidnapping: €3,000
Personal accidents due to death or disability: €15,000 to €60,000.
Personal accidents due to death or disability in public transport: €50,000 to €60,000
Civil Liability: €50,000 to €60,000.

The entire cost is covered for items such as:

Repatriation or transportation of injured, ill or deceased parties.
Repatriation or transportation of minors or disabled people and other insured parties.
Early return due to hospitalisation of a relative or due to a serious incident in the Insured Party’s home or work premises
Travel expenses for a relative to accompany a child.

Where am I covered?

You can choose between coverage in Spain, Europe or the whole world.
Europe includes the countries bordering the Mediterranean:
Morocco, Algeria, Tunisia, Libya, Egypt, Jordan, Israel, Palestine, Lebanon, Syria, Cyprus and Turkey.
Medical and Health Assistance coverage is applicable when the Insured Party is further than 50 km from their habitual residence.
The other items covered by this policy, except for Cancellation Expenses, are applicable when the
Insured Party is further than 20 Km from their habitual residence.
All coverages will take effect when the Insured Party is at the place of departure – port, airport or train/bus station – for the insured trip.

What are my obligations?

Payment of the premium in the conditions stipulated in the policy.
Declare to ARAG, before the formalisation of the contract, all the circumstances known to you that may influence the risk assessment, according to the questionnaire.
During the term of the contract, notify ARAG of any modifications to the circumstances declared in the questionnaire that might aggravate the risk.
When an incident requiring the use of this policy occurs, it is essential that the Insured Party notifies it to ARAG’s emergency telephone service, indicating the name of the Insured Party, policy number, location and phone number of the location and the type of assistance that is needed.
Provide all the information you have regarding the circumstances and consequences of an incident
and use all the means at your disposal to mitigate any consequences.

When and how do I make payments?

The contractor is obliged to pay the premium as soon as the contract is formalised. Unless otherwise agreed, it will be
made in one sole payment. Depending on the agreement with the company, payment of the premium can be made by
direct debit, bank transfer or credit/debit card.

When does coverage begin and end?

The temporary duration of the insurance coverage will be that specified in the Particular Conditions.

How can I cancel the contract?

If the General Conditions establish that the contract is renewed every year, you can cancel its automatic renewal by
communicating your intentions in writing at least one month before the renewal date.
Special case: If you have contracted your insurance online, you can cancel it during the first 14 days by sending us a
written communication. However, you cannot cancel travel or luggage insurance whose duration is less than one month
or any other type of insurance whose duration is less than 14 days.

Palvelut

Medical and Health Care.
Repatriation or transportation of injured, ill or de- ceased parties.
Repatriation or transportation of minors or disa- bled people and other insured parties.
Travel for a relative in case of hospitalisation or accompaniment of a minor or disabled child.
Expenses for accommodation abroad.
Convalescence in hotel.
Help for relatives living in the hospitalised Insured Party’s home.
Early return due to hospitalisation of a relative or due to a serious incident in the Insured Party’s home or work premises.
Search, finding and delivery of lost luggage.
Delivery of items that have been forgotten or sto-
len during the trip.
Delay of more than 12 hours in the delivery of checked luggage.
Theft and damage to luggage.
Delay in the arrival of transportation.
Travel cancellation expenses.
Refund of holidays not enjoyed.
Loss of keys to the Insured Party’s habitual resi- dence.
Expenses incurred due to kidnapping.
Rescue of people.
Defence of criminal responsibility abroad.
Legal consultation abroad.
Claims for damages abroad.
Claims for purchase or service contracts abroad.
Personal accidents, death or disability, 24 hours.
Private civil liability.

SERVICE +

, enemmän kuin välttämätön

Iberia Vakuutusmeklarit tarjoaa asiakkailleen Iberia Service+-palvelua. Mitä tämä kattaa? Asiakkaanamme olet meille arvokas, ja siksi haluamme tarjota asiakkaillemme enemmän kuin vain vakuutusten vakiovalikoiman. Kyseessä on palvelu, josta yhdenkään asiakkaamme ei tarvitse maksaa ylimääräistä tai tehdä erillistä sopimusta – se on palvelumme sinulle.

Yli 10 eri vakuutusyhtiön vakuutusvalikoima
24/7-palvelunumero maksutta koko Espanjassa
Asiakkaiden henkilökohtainen neuvonta paikan päällä
Nykyisten vakuutusten kustannus-hyötyanalyysi optimointiehdotuksin
Neuvonta omalla kielelläsi

This insurance comprises the different assistance services that make up the traveller’s protection system for the Insured Party who will travel within the territorial area contracted.
Adventure
To ensure the perfect adventure holidays, travel with the best insurance
Business
We’ll take care of your insurance so you can focus on your business
Cruise
Enjoy your holidays on a cruise, while we guarantee your peace of mind
Holidays
Enjoy your holidays with total peace of mind with the most comprehensive travel assistance insurance
Skiing trips
Choose the best spot for skiing with the most complete coverage
Students
Enjoy your student trip with total peace of mind with the most comprehensive travel assistance insurance

Get informed now *

* Tällä hetkellä tämän vakuutuksen tekemistä koskevat tiedot voidaan siirtää vain lomakkeella englanniksi ja espanjaksi.

Kun olet toimittanut lomakkeen ARAG: lle, uusi välilehti avautuu pankin verkkosivuilla maksuprosessia varten. Tämä voidaan konfiguroida uudelleen suomeksi.

Jos tämä on ongelma sinulle, voit ottaa meihin yhteyttä suoraan.
Autamme mielellämme!

MITEN tarkistan ja optimoin nykyiset vakuutukseni?

Iberia Vakuutusmeklarit tarkistavat nykyiset vakuutuksesi ja tekevät sinulle vertailevat tarjoukset eri vakuutusyhtiöiltä, kuten Allianz, Liberty, Zurich, DKV ja monilta muilta.
Pääkonttorimme sijaitsee Mallorcalla ja vakuutusalan ammattilaisiamme toimii eri puolilla Espanjaa, joten olemme aina lähelläsi ja neuvomme sinua henkilökohtaisesti.

Pyydä yksilöllinen tarjouksesi puhelimitse numerosta:
+34 971 69 90 96 - Puhelin
+34 900 525 890 - Maksuton 24/7-hotline
info@iberiavakuutusmeklari.com

Keskustelemme mielellämme myös nykyisistä vakuutuksistasi ja vertailemme niitä uusiin tarjouksiin.