No. NUMBER 09-9062467




As soon as ARAG is notified, in accordance with the procedure indicated in Article 10, of an incident covered by this policy, ARAG guarantees the provision of the following services:

1. Medical and health care

ARAG is responsible for all expenses arising from the intervention of health-care professionals and establishments required to ensure the Insured, sick or injured Party’s care.

The following services are expressly included, without limitation:

a) Attention by emergency medical teams and specialists.

b) Complementary medical examinations.

c) Hospitalisations, treatments and surgeries.

d) Supply of medication when hospitalised or reimbursement of its cost for injuries or illnesses that do not require hospitalisation.

e) Treatment of acute dental problems, understood as such to be infection, pain or trauma requiring emergency treatment.

ARAG is responsible for these costs up to a limit of € 900 per Insured Party or its equivalent in a local currency when these events take place abroad or € 750 in Spain.

Dental expenses are limited, in any case, to € 30 or its equivalent in local currency.

2. Repatriation or transportation of the injured or ill

In the event of an accident or illness, ARAG will be responsible for:

a) The cost of transportation by ambulance to the nearest clinic or hospital.

b) Revision by a Medical Team, led by the doctor who treats the injured or ill Insured Party, to determine the suitable measures for the best treatment and eventual transfer to another more appropriate Hospital, Health Centre or their home address.

c) The cost of transporting the injured or ill person, by the most suitable means, to the prescribed hospital, health centre or their home address.

The transport used will in each case be decided by ARAG’s Medical Team according to the urgency and severity of the case. In Europe and countries bordering the Mediterranean, a specially conditioned medical aeroplane is available.

If the Insured Party is admitted to a hospital or health centre far from their habitual residence, ARAG will be responsible for the subsequent transfer to their habitual residence.

In the event that the Insured Party does not live in Spain, they will be repatriated to the location where their trip began in Spain.

The total limit of this guarantee is set at € 1,800

3. Repatriation or transportation of a deceased Insured Party

Should the Insured Part pass away during a trip, ARAG will arrange for the transfer of the body to the place of burial in Spain and will be responsible for those expenses. These costs include postmortem conditioning according to legal requirements.

Burial and ceremony costs are not included.

ARAG will arrange for the return of an accompanying Insured Party to accompany the body to the place of burial in Spain.

In the event that the Insured Party does not live in Spain, they will be repatriated to the location where their trip began in Spain.

The total limit of this guarantee is set at € 1,800

4. Theft and damage to luggage

Compensation for damage and/or loss of the Insured Party’s luggage or personal effects is guaranteed in cases of theft or total or partial loss caused by the carrier or fire or assault occurring during the course of the trip, up to a maximum of € 300.

50% of the total luggage amount insured can be destined for coverage of cameras and photography, radio, sound, image devices and their accessories.

This clause excludes theft and simple loss that occurs because of the Insured Party's fault, as well as jewellery, money, documents, valuables and sports and computer equipment.

For purposes of detailing the above exclusions, the following shall apply:

  • Jewellery: set of objects made from gold, platinum, pearls or precious stones.
  • Objects of value: set of silver objects, paintings and works of art, any kinds of collections, and fine furs.

In order to cover any property or damages in the case of theft, the report given to the competent authorities must be presented.

5. Compensation for delay of transportation

ARAG will reimburse, up to a maximum limit of € 300, the costs of a new ticket, in cases a public transport connection is missed due to the delay of an ALSA bus.

In order for this coverage to be applicable, there must be a difference between the Alsa bus expected arrival time and the departure time of the connecting transport of more than three hours. The hotel and maintenance expenses incurred during the wait for this connection will also be covered, for a total amount of up to € 100.

For the processing of this claim, the Insured Party must present supporting documents issued by the Owning Body of the means of transport certifying the delay, as well as the original invoices of the expenses incurred.

This compensation will be paid provided it has not already been covered by the Transport Company.

Expenses incurred in a location other than where the Insured Party must wait for the new connection are not covered by this policy.

Cancellations for transportations departures will not be covered by this policy, i.e. not travelling in the planned mode of transport in which at least one seat was reserved.

6. Sending urgent messages.

ARAG will arrange the delivery of any urgent message issued by the Insured Party deriving from an event covered by this policy.


The agreed insurance does not include:

a) Voluntary acts by the Insured Party or those acts in which the said person is guilty of malevolent intent or gross negligence.

b) Ailments or chronic or/or pre-existing illnesses, as well as their consequences, suffered by the Insured party prior to taking starting the trip.

c) Suicide death and injury or illnesses resulting from the intent of the Insured Party to injure themselves and those derived from criminal actions.

d) Diseases or pathological conditions produced by the consumption of alcohol, psychotropic drugs, hallucinogens or any drug or substance with similar characteristics.

e) Aesthetic treatments and the supply or replacement of hearing aids, contact lenses, glasses, orthoses and prostheses in general and any type of mental illness. Likewise, claims derived directly or indirectly from complications occurring after the seventh month of pregnancy are excluded.

f) Injuries or illnesses resulting from the Insured Party's participation in gambling, competitions or sports events, skiing and any other winter sport or those called adventure activities and the rescue of people at sea or in mountains or deserts.

g) Conditions that result, directly or indirectly, from events produced by nuclear energy, radioactive radiation, natural catastrophes, military actions, riots or terrorist acts.

h) Any type of medical or pharmaceutical expense that cost less than € 9

The coverages included in this policy will be exclusively applicable during the duration of the contracted transport service, and during the Insured Party’s stays in ports, stations, terminals or airports in order to embark or disembark from the contracted means of transport.

Those countries which, during the Insured Party's trip or travels, are in a state of war or siege, insurrection or conflict of any kind or nature, even when they have not been officially declared, and those that specifically appear on the receipt or in the Particular Conditions are excluded from the coverage.

It is expressly agreed that the Insurer's obligations derived from the coverage of this policy, end the moment the Insured Party returns to their habitual residence, or when they have been admitted to a health centre located at a maximum of 25 km distance from the aforementioned address (15 km in the Balearic and Canary Islands).


Prior to signing this contract, the Policyholder has received the following information, in compliance with the provisions of Article 96 of Act 20/2015 of 14 July, on the Organisation, Supervision and Solvency of Insurance and Reinsurance companies, and Articles 122-126 of its regulations:

  • - The Insurer is ARAG SE, a German company whose registered office is in Düsseldorf, at ARAG Platz no.1, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) being responsible for supervising and monitoring of its activity. It is authorised to operate in Spain under the right of establishment through its branch ARAG SE, Sucursal en España, with Tax ID number W0049001A, and registered offices in Madrid, Calle Núñez de Balboa, 120; it is listed in the Registro administrativo de la Dirección General de Seguros y Fondos de Pensiones under reference E-210.

The Insurer declares that, in the event of its liquidation, Spanish regulations with regard to liquidation will not be applied.

  • - The law applicable to the Insurance Contract is Spanish, in particular, Act 50/1980 of 8 October, on Insurance Contracts.
  • - In the event of any dispute with the Insurer, the Policyholder or Insured may seek redress through arbitration or through the ordinary Spanish courts of law.

Please note that ARAG SE, Sucursal en España offers its insured customers the following Customer Service contact numbers depending on the procedures they wish to carry out:

  • - For modifications and/or inquiries about the policy contracted you can call the telephone number 93 485 89 07 - 91 566 16 01, or send an email to
  • - For submitting complaints and/or claims to the company, the ARAG S.E. Sucursal en España has a Customer Service Department at c/ Roger de Flor, 16, 08018-Barcelona, email:, website: to attend to and resolve complaints by insured persons in connection with their legally recognised rights and interests. The Department will resolve the issue within two months from the date on which the complaint was submitted.
  • - In the event of disagreement with the resolution adopted by the Customer Service Department, or if a period of two months has passed without a response being received, the claimant may contact the Servicio de Reclamaciones de la Dirección General de Seguros y Fondos de Pensiones at Paseo de la Castellana, 44, 28046 - Madrid, or the website: and the telephone number 902 19 11 11.
  • - You can view the Report on the insurer's solvency and financial situation at
  • - By providing bank details for payment of the insurance premium, the Policyholder/Insured party authorises the relevant amount to be charged to the account detailed in this document, or to any other account notified to the Insurer for this purpose, throughout the duration of the Contract.


For the Company



Member of GEC





Data processor

ARAG SE, Sucursal en España

C/ Núñez de Balboa 120 28006.- MADRID (SPAIN)

NIF W00490001A

Data Protection Officer contact details

C/Roger de Flor, 16 08018 Barcelona (Spain)

Purpose of processing Underwriting and execution of the insurance contract.
Authentication Execution of the insurance contract.
Recipients No data will be transferred to third parties unless: prior consent is given, it is an obligation provided for in regulations, or for legitimate interest.
International transfers May be necessary, during certain assistance services, for the execution of the contract.
People’s rights Individuals can access, rectify or delete their data, oppose their processing and request their limitation of transfer by sending their request to:
Additional Information Additional and detailed information on data protection can be viewed on our website:


Data processor

The entity responsible for processing personal data is ARAG SE, Sucursal en España, whose NIF is W0049001A and registered address is C/ Núñez de Balboa no. 120, 28006 Madrid. Email: Webpage: You can contact the Data Protection Office at

Purpose and recipients

The information provided will be processed for the purpose of establishing, managing and developing contractual relationships between you and the data processor, as well as for the prevention of fraud.

We will also process your personal data to inform you about our products and for quality control purposes in the provision of the guarantees of your insurance contract.

We will not pass on your personal data to third parties except in the following cases: applicable regulations oblige us to, for legitimate interests or with prior consent from the owner of the data.

Your data will be accessible to ARAG SE, Sucursal en España third-party collaborators who intervene in the formalities arising from underwriting the insurance and the effective provision of its guarantees.

If you need assistance and you are outside the European Union, we may need to transfer your personal data to other countries in order to effectively fulfil the guarantees of your insurance contract.

Your data will be kept during the validity of the insurance contract. After its termination, they will be blocked during the legally required periods for the purpose of determining any liability arising from their processing. Once the statutory limitation periods have elapsed, the data will be deleted.


The legal basis for processing your personal data is the execution of the insurance contract you have signed with this insurance company. Providing your data is essential for the formalisation of this insurance contract, which is not possible without them.

The legal basis for processing the data for direct marketing and satisfaction surveys is a legitimate interest in meeting your expectations as a customer and improving the quality of the service received. You can oppose the processing of your data at any time in the manner described in the Rights section.

The legal basis for transferring data to third parties is constituted by provisions in insurance regulations that either protect the legitimate interest of the entity or impose specific obligations on it for the development of its activity, in regard to the insurance contract (Law 50/1980 on Insurance Contract), regulations on ordination, supervision and solvency (Law 20/2015 on Ordination, Supervision and Solvency of insurance and reinsurance entities) and other regulations governing insurance activity.

The legal basis for transferring your data to a country outside the EU is the need to execute the guarantees provided in your policy.


You have the right to access your personal data subject to processing, as well as request the rectification of inaccurate data or, where appropriate, request its deletion when the data is no longer necessary for the purposes for which it was collected. You can also exercise your rights of opposition and limitation to the processing and transfer of the data.

You can exercise your rights by writing to the data processor, ARAG SE, Sucursal en España, by email or if you prefer, by post addressed to C/ Roger de Flor, 16, 08018, Barcelona (include “Attention to: ‘Data protection’” on the envelope). Please include or attach a copy of your ID or passport. In the event that your above rights request is not complied with, you can submit a complaint to the Spanish Data Protection Agency (

Third party(s’) personal data

Regarding other individuals’ personal data that must be given to ARAG SE, Sucursal en España, in order to formalise this policy, they must be informed - prior to the communication of their data - of the information contained in the preceding paragraphs.