ARAG Viajeros Plus — travel insurance for trips from Spain
Technical parameters
What it is
Travel insurance for trips from Spain — within Spain, across Europe or worldwide. The insurer is ARAG SE, Sucursal en España. We arrange it under our agreement with Zurich.
It is sold as a package: ARAG Viajeros Plus together with the ARAG Pasajero add-on covering the air carrier. These are not two policies to choose between, but one.
Limits, taken from the schedule of a real policy
| Medical assistance while travelling | 100,000 € |
| Dental care while travelling | 250 € |
| Repatriation of the sick, injured or deceased | full cost |
| Repatriation of the other insured persons and children | full cost |
| Travel for a relative if hospitalisation exceeds 5 days | full cost |
| Relative’s accommodation | 1,000 € (100 € × 10) |
| Convalescence in a hotel | 1,000 € (100 € × 10) |
| Help for the family at home during hospitalisation | 120 € |
| Early return | full cost |
| Theft of and damage to baggage | 900 € |
| Delay in delivering baggage | 120 € |
| Forwarding of forgotten or stolen items | 120 € |
| Transport delay | 300 € (10 €/h) |
| Forced extension of the trip | 300 € (50 €/day) |
| Change of flight or hotel | 180 € |
| Trip cancellation | 1,200 € |
| Refund for unused holiday | 1,500 € |
| Cash advance abroad | 3,000 € |
The ARAG Pasajero add-on
- Compensation for breach of the air carriage contract — 2,000 €
- Refund of unjustified fuel surcharges — 100 €
The legal side
- Public liability towards third parties — 10% of the sum insured, up to 100,000 €
- Mediation under Ley 5/2012 — 1,500 €
- Free choice of lawyer — 2,000 €
Territory
Two options: worldwide, or Europe and the Mediterranean rim. The second includes Morocco, Algeria, Tunisia, Libya, Egypt, Jordan, Israel, Palestine, Lebanon, Syria, Cyprus and Türkiye.
Timing and rules for taking it out
- The policy is taken out before the trip begins
- Cancellation cover is bought when you book, or no later than 10 days afterwards
- Forced extension of the trip — cover is extended free of charge for 7 days
- We arrange single trips. ARAG does offer an annual multi-trip tariff, but we have never written one
What it costs — examples from real policies
| Who | Territory | Length | Price |
|---|---|---|---|
| 1 person | Europe and the Mediterranean | 9 days | 40.58 € |
| 2 people | Europe and the Mediterranean | 29 days | 140.17 € for both |
| 1 person | worldwide | 11 days | 97.22 € |
| 1 person | worldwide | 13 days | 123.14 € |
The ARAG Pasajero add-on costs around 1–1.20 € per person. These are examples from issued policies, not a price list: the premium is worked out for the particular trip.
What the policy does not cover
- chronic and pre-existing conditions — except the first emergency treatment
- claims under the influence of alcohol, drugs or psychotropic substances
- professional sport and hazardous activities: mountaineering, boxing, motorsport, deep diving — without the extension
- war, terrorism, civil unrest and high-risk areas
- mental illness
- cash, jewellery, luxury items and collections
ARAG assistance numbers
915 661 588 — assistance while travelling, 24 hours.
670 425 960 — the same on WhatsApp, 24 hours.
You must call before spending anything. If you pay for treatment yourself and report it afterwards, the company may refuse to reimburse you.
Travel insurance is not for everyone, and not always. If you hold DKV Integral Élite, the medical side abroad is already covered: emergency care for up to 180 days, with a 30,000 € limit. In that case ARAG is not taken for the doctor, but for what a health policy does not carry — baggage, trip cancellation, transport delays, legal help, claims against the airline, and pets.
If there is no health policy, ARAG covers the medical side too: 100,000 € of assistance while travelling, repatriation at full cost, and travel for a relative if hospitalisation runs beyond five days.
One rule matters more than any of the figures. When something happens you must call ARAG before you pay for anything. Not afterwards. The line is open around the clock and there is a WhatsApp number. It is a condition of the policy, not a courtesy.
Cancellation cover cannot be bought whenever you like. Either when you book, or at most ten days later. Remembering the insurance a week before you fly means going without that particular cover.
And plainly, what is not there. Chronic conditions are not covered beyond the first emergency. Hazardous sport only with the extension. Cash and jewellery in your baggage are not insured.
Typical tasks that this policy solves
Agent's opinion