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Cancellation insurance

TRAVEL ASSISTANCE INSURANCE TO PERSONS“ CANCELLATION”
General Terms

Introduction

This Insurance contract is governed by the terms of these General Terms and the particular ones established in the contract, in accordance with the provisions of the insurance& contracts law 50/1980 of 8 October, and the Regulation and Supervision of Private Insurance law Royal Decree 6 / 2004 of 29 October, approving the revised text of the Law on. 

Definitions

By this contract, it is understood that :

Insurance company 

ARAG Compañía Internacional de Seguros y  Reaseguros, S.A., assumes the risk defined in the policy.

Policy holder

The person or judicial entity that signs this contract with the Insurance company, and its corresponding obligations arising thereof, except those which by their nature must be met by the Insured.

Insured

The physical person related to the policy in the Particular Conditions that in absence of the policyholder, assumes the contract’s obligations.

Relatives

Husbands/Wifes , domestic partners, insured and ascendants or descendants of first or second degree relatives (parents, children, grandparents, grandchildren), brothers or sisters , brothers or sisters-in-law-both, uncles, aunts, nephews, nieces, sons, daughters and in-law of both , will be considered relatives of the insured person. 

Contract document

The contractual document containing the insurance regulatory conditions are part of the same, general terms, particular contract terms, that individualize the risk, and supplements or appendices that are issued to supplement or modify it.

Premium  

The price of the insurance. The receipt shall also include surcharges and legally applicable taxes. 

1. Intention of the insurance

Under this Travel Assistance insurance contract, the Insured will be covered and will be entitled to use the benefits and services promised, within the range of territory specified in the contract.

2. Insured

Physical individuals listed in the particular conditions document.

3. Temporal validity 

This guarantee must be taken out on the date of the confirmation of the reservation. or within the next 24 hours.

The Travel Cancellation Expenses insurance will be valid from 24.00 of the date in which the insurance policy is taken out, and will end as soon as the INSURED begins the trip covered by the policy, the date of which is stated in the insurance certificate issued by the travel agency. The Travel Cancellation Expenses insurance will only be valid when it is taken out at the time of confirmation of the insured trip or within the next 24 hours.

4. Territorial range

The guarantees described in this Policy apply to events occurring in Spain, or European and Mediterranean coastal countries (Including Syria and Jordan), or around the world, according to what is specified in the Special Conditions.

The services covered by this Policy, will only be provided when the Insured is more than 20 km away from his habitual residence. 

5. Premium payments

The policy taker is obliged to pay the premium at the contract signing moment. Subsequent premiums must be paid in the relevant maturities or due dates.

Premium payments will be done at the Policy holder’s address .If elsewhere , it must be specified in the particular conditions.

Coverage and services will not begin, in the case of a first annual unpayment and the insurance company will be able to cancel or require that payment. Further annual unpayments , will produce the insurance policy cancellation, a month after the supposed payment date. In all cases policy coverage starts 24 hours after the Premium payment. 

6. Risk information

The Policyholder has the duty to declare all possible personal extra risk factors to ARAG, before the contract formalization . The policyholder will fill in a risk questionnaire. Policy holder will be relieved of this duty, if ARAG failed to subject the holder to the questionnaire, or even if having been subjected to it , there are circumstances which may affect the assessment of risk and are not included in it.

The Insurer may cancel the contract within one month, counting from the moment the reservation was noticed to him or the Policyholder’s inaccuracy of the statement.

During the contract period, the insured must notify ARAG as soon as possible, about any the circumstances which may modify the risk.

Known any risk aggravation, ARAG can within one month, propose a contract modification or cancellation.

If risk decreases, the insured is entitled, to the corresponding proportion reduction of the share premium, after the next annuity.

7. Covered guarantees

In case of an incident covered by this policy, ARAG, will guarantee the following services provision as soon as notified under the procedure referred to in Article 10. 

7.1. Trip cancellation costs

ARAG Guarantees up 6.000u20AC, subject to specific cancellation exceptions Mentioned In This policy, reimbursement of expenses for trip cancellation occurring to the Insured and to be billed to him by Applying the general conditions of the Agency, or any of the travel providers, Including management costs, provided the trip is cancelled before starting it and any of the following causes recruitment occurring after the contract of the insurance and Preventing him from travelling in the scheduled dates:

1 - Due to death, hospitalization -for at least one night-, serious illness or serious physical injury of :

a) The insured’s, husbands/wifes or domestic partner, or person as such that permanently coexists with the insured. First or second degree relatives (parents, children, grandparents, grandchildren), brother or sister, uncle or aunt, nephew or niece, brothers or sisters, sons, daughters and in-laws of both.

b) Of the person responsible for the Insureds Trip duration, of the custody, on the habitual residence of the minor children or disabled

c) Direct replacement of the Insured, in their jobs, providing these circumstances prevent him to do the trip because of requirement by his employer.

 Insurance coverage terms:

- Serious illness, health condition alterations, stated by a medical professional, requiring the patient to stay in bed and  involve stopping any professional or private activity within twelve days before the planned trip .

- Serious accident, any injuries that result from a violent, sudden, and external cause beyond the victim’s control, the consequences of which will prevent the normal movement from his habitual residence.

When illness or injury affecting any of the persons named, other than those insured by this policy shall be considered as serious when it involves, after the insurance contract, hospitalization or need for bed and required, in the opinion of a professional medical care and continuing care health personnel or persons appointed for that purpose, upon medical prescription within 12 days prior to departure.

The Insured shall immediately report the incident at the time that this occurs, the Insurer reserves the right to make a medical visit to assess the Insured coverage of the case and determine if really imposibilize the trip. However, if the disease did not require hospitalization, the insured must report the incident within 72 hours of the event giving rise to the cause of cancellation of the trip purpose.

2 - The call of the insured as a party, witness or juror in a civil court, criminal court, labour. Will be the excluded cases in which the insured is cited as accused by processes initiated before recruitment travel and insurance. For the rest of the citations hearings must be posterior to the trip contract and insurance..

3 - The call as a member at a polling station for national, regional or local elections.

4 - The Presentation as official exams candidate convened by a public body after the underwriting of the insurance contract. This presentation can be both as a candidate or as a member of the court.

5 - Severe damages caused by fire, explosion, theft or nature forces in your primary or secondary residence, or in insured’s  work premises ,when the insured is a self-employed professional or runs a business and his presence was imperatively necessary.

6 - Due to a work dismissal of the insured. In any case this guarantee shall enter into force by end of the contract, voluntary resignation or by not passing the test period. In any case, the insurance must have been signed before the written work dismissal is given to him.

7 - When the Insured being unemployed gets into a new job with a contract longer than one year, provided that it takes place after the taking of the trip and therefore the insurance.
This case will also apply under the same circumstances when the Insured takes a new job in a different company for which he worked.
In both cases it is required that the Insured provides social security contribution prove high in proving the contractual relationship referred to above

8 - Tax return on statement , made by the Ministry of Finance that results in an amount to be paid by the insured up to 600 €.

9 - Acts of air, land and sea piracy , that prevent you from starting your trip as scheduled.

10 – Insured attendance to any surgery appointment, as prior medical tests. (Includes organ transplant as a recipient or a donor).

11 – Urgent public health requirements for serious medical tests of the insured or first or second grade relatives.

12 - Serious pregnancy complications that require, by medical prescription, force rest or hospitalization of the insured’s, husband/wife, or domestic partner. Providing proving that such complications were arouse after contracting the policy and that such complications , put the pregnancy development at serious risk.

13 – Insured’s premature birth.

14 – Insured’s Police arrest or custody occurred after the insurance contractation, matching travel dates.

15 – Divorce court citations occurred after the trip signing, that match the travel dates.

16 –Urgent requirements to join the armed forces, police or fire services, providing that the incorporation was noticed after the underwriting.

17-Insured’s travel companion cancellation , contracted with the insured and covered by this same contract , providing that the cancellation is due to any of the causes listed above and , as a result , the insured has to travel alone.

In case that for any reason listed above, the insured changes the contract in favour of another person, the additional costs that may occur will be guaranteed.


This warranty must be contracted on the day of the booking confirmation, or within 24 hours.

Trip cancellation COST WARRANTY SPECIFIC EXCLUSIONS:

No travel cancellation guarantee is given when originated by:
a)Acts wilfully caused by the insured or those where there is wilful misconduct from his part.

b) Chronic or pre-existing diseases of all travellers that have had changes or exacerbations within 30 days prior to the policy hiring , regardless of age.

c) Chronic or pre-existing diseases of all family members described in the policy’s general conditions that not being insured, do not require urgent attention or hospital stay posterior to the insurance contract.

d) Injuries or illnesses caused by suicide attempts, criminal activities or intentionally caused by the insured to himself.

e) Diseases or conditions caused by alcohol, psychotropic drugs, hallucinogenic drugs or any similar characteristics substance ingestion.

f) Beauty treatments, the provision or replacement of hearing aids, contact lenses, glasses, orthotics and prosthetics in general. Any type of mental illness is excluded too.

g) Pregnancy complications claims after the seventh month of pregnancy direct o indirect claims are excluded.

h) The cases caused, directly or indirectly, by nuclear energy, radioactive radiation, natural disasters, acts of war, rioting or terrorism.

I) Epidemics, pandemics, medical quarantine and pollution, both in the country of origin and destination.

8. Stipulated

Concerted warranties do not include:

a)      Acts wilfully caused by the insured or those where wilful misconduct or gross negligence from his part.

b)      Starting of the trip conditions or chronic illnesses and their consequences suffered by the insured prior to the trip.         

c)      Death by suicide, injuries or illnesses caused by attempting it or intentionally caused to himself or by any criminal act done by the insured.

d)      Illnesses or conditions caused by alcohol, psychotropic drugs, hallucinogenic drugs or any similar characteristics substance ingestion.

e)  Beauty treatments, the provision or replacement of hearing aids, contact lenses, glasses, orthotics and prosthetics in general. Birth or pregnancy related costs or any type of mental illness are excluded too.   

f)       Injuries or illnesses arising from the Insureds participation in gambling competitions or sporting events, skiing or any other winter or adventure sports (including hiking, trekking and similar activities).People rescue operations in sea , mountain or desert areas are also excluded.

g)  The cases caused, directly or indirectly, by nuclear energy, radioactive radiation, natural disasters, acts of war, rioting or terrorism.

h)      Any Less than 9 € medical or pharmaceutical expenses.

9. Limits

ARAG will bear with the costs outlined, within the established limits and to the maximum amount contracted for each case. Incidents having the same cause and produced at the same time will be considered as a single incident.

ARAG will assume to pay the service, except events caused by the insured’s wrong intentions.
 

The guaranties that involve the payment of an amount of Money. ARAG is obligated to pay compensation at the end of the investigations and necessary surveys to establish the existence of the incident. In any event ARAG will pay within 40 days from the receipt of the claim. The minimum amount which maybe due according the circumstances known to them, if within 3 months from the incident ARAG would not have made such payment for no justifiable cause or related to them , the compensation will increase by a 20 % annually.

10. Incident statement

In case of facing an incident that could be covered, the insured must contact ARAG emergency number provided, giving the insured’s name, policy number, location, location’s phone number and type of assistance needed. You can make the call by reverting charges.

11. Additional provisions

The Insurer will not assume any obligation in connection with not-requested services or which have not been made with his prior consent, except in cases of major force dully justified.

When an ARAG’s direct intervention is not possible in the service provision, it shall reimburse the Insured’s accredited expenses arising from such services, within a 40 day maximum period from the presentation of bills or credits.

12. Waving of rights

Up to the amount of the sums paid in compliance with the obligations arising from this policy. ARAG will automatically be waved from the obligation of any further payment or actions that may apply to the insured , their heirs or other beneficiaries , against third parties , natural or legal , as a result of the incident causing the assistance given.

This right can eventually be used by ARAG against land, river, sea or air, transportation companies regarding a total or partial refund of the policyholder’s unused transportation tickets.

13. Expiry

Possible incident claims or coverages rights, expire within two years from the time they have been in force.

14. Note

The Policyholder should apply to the Company within one month from the delivery of the policy If the content of this policy differs from the insurance proposal or amendment agreed. If no claim is made in that time, you will be subject to the provisions already described in the policy.

 

PROVISION OF SERVICES

LIMITS

-Medical & Healthcare  abroad

 

-Medical & Healthcare in Spain

 

Up to 10.000  €

 

Up to 900,00 €

 

-Odontology expenses

60,00 €

-Repatriation or medical transport of sick and injured.

 

Total service cost

- Repatriation or medical transport of underage or disabled.

Total service cost

-Transport of a relative in case of hospitalization for more than five days.

 

-Subsistence expenses abroad

 

Total service cost

 

10 days Max, 60 € Cost per Day

 

-Hotel convalescence

10 days Max, 60 € Cost per Day

- Deceased insured repatriation or transport.

 

Total service cost

-Early return due to a deceased relative.

Total service cost

-Early return due of a relative hospitalization.

Total service cost

-Early return due to serious disaster at the insured’s home or business premises.

 

Total service cost