Travel Insurance for Spain

Medical & Emergency Coverage:

Your travel health insurance through ACKO will provide coverage for these medical issues.

• Emergency Medical Expenses: ACKO covers the costs of accidental injuries requiring hospitalisation or daycare during your trip to Spain.
• Illness and Accidental Emergency Expenses: Costs related to illness or accidental injury requiring hospitalisation in Spain are reimbursed up to your policy limit.
• OPD Expenses: Outpatient department (OPD) medical expenses for injuries or illnesses sustained while in Spain are covered.
• Physiotherapy Expenses: If you are injured while exploring, the necessary physiotherapy sessions are covered.
• Hospitalisation Allowance: A daily allowance is provided if you are hospitalised due to illness or injury during your trip.
• COVID-19 Coverage: Includes medical care and mandatory quarantine expenses if you test positive for COVID-19 while in Spain.
• Disability Coverage: Compensation is provided for permanent total or partial disability resulting from an accident during your travel.
• Medical Evacuation: In the event of a major illness or injury, you will be safely flown back home.
• Repatriation of Mortal Remains: Covers the unfortunate event of death due to illness or injury, including the cost of transporting mortal remains.

Travel-Related Coverage

Your travel policy will provide for travel-related coverages as listed below: 

• Trip Cancellation & Interruption: Reimburses pre-paid, non-refundable expenses (flights and hotels) if your trip to Spain is cancelled or unexpectedly interrupted due to covered unforeseen events.
• Flight Delays & Missed Connections: Provides financial compensation if your flight to or from Spain is delayed or cancelled, or if a delay causes you to miss a connecting flight.
• Loss or Delay of Baggage: Offers compensation for the complete or partial loss, or delay, of your checked-in baggage during your journey.
• Loss of Passport: Provides support and reimbursement for the expenses incurred to reissue your passport if it is lost while you are in Spain.
• Compassionate Visit: Covers the travel and accommodation costs for a family member to visit you in Spain should you require hospitalisation during your trip.

Personal & Liability Benefits

The following are the personal and liability benefits covered by the Spain travel insurance:

• Financial Support for Accidents: Includes coverage for accidental injury or death while you are travelling in Spain (Personal Accident Cover).
• Third-Party Liability: ACKO provides coverage for accidental damage or injury you might cause to third parties during your visit to Spain (Personal Liability).
• Emergency Financial Assistance: If you lose your wallet or payment cards in Spain, you will receive an emergency cash advance and support for immediate expenses.
• Hospitalisation-Related Stay Extension: If a medical emergency or hospitalisation requires you to prolong your stay in Spain, the cost of your extended hotel accommodation will be covered (Emergency Stay and Extension).
• Legal Expense Coverage: Covers legal fees or financial losses incurred if an injury, illness, or hospitalisation extends your stay in Spain.

Additional Covers

• Pet Cover: Covers veterinary expenses of $0.60 to $60,000 if your insured pet gets hurt in an accident during the trip. If the incident forces you to cancel or postpone travel, additional lodging and journey costs may also be reimbursed.
• Home Damage Cover: Provides compensation of $12 to $600,000 for damage to your insured residence caused by fire or related hazards while you are travelling, up to the insured amount mentioned in the policy schedule.
• Theft Cover for Home: Reimburses financial loss of up to $100,000 if personal belongings are stolen from your main residence during the travel period, provided the house remained unoccupied throughout the trip.
• Financial Emergency Cash: Offers a lump-sum payout of $0.60 to $11,900 if your travel money is permanently lost due to theft, robbery, misplacement, or similar incidents during your journey.
• Electronic Equipment Cover: Provides compensation of $0.60 to $60,000 for repair or replacement costs if your insured electronic devices suffer damage or loss during the covered travel period, subject to insurance policy conditions.