Experience Europe by Train

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip.

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one.

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider.

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip.

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip.

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of:
• You
• Death of a third-degree relative of yours.
• If you have pregnancy complications or miscarriage.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury.
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime).
• If you are summoned for proceedings related to Your divorce.
• If you are going to be given a child for adoption on the dates scheduled for your trip.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. 

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons: 

• Serious Illness, Serious bodily injury or death of: 
• You 
• A relative of yours of the first or second degree of kinship 
• The person who was caring for Your minor or disabled children in your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
   

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when:

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

If you have to interrupt your trip, we will pay you the expenses corresponding to the temporary accommodation of the days of the trip not used up to the limit corresponding to the contracted modality. 

To calculate the amount we have to pay you, we divide the total amount of the accommodation cost by the number of nights booked and the person. We multiply the resulting amount by the number of nights not enjoyed by you.

The causes assured are:

• Death of: 
• You or 
• A Direct Family Member. 
• Bodily accident or Serious Illness that implies Your hospitalization and prevents You from continuing your Trip. 
• Bodily accident or Serious Illness that implies hospitalization of a Direct Family Member. 
• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider serious damage caused by fire, explosion, theft or force of nature. 
• If you are fired from your job. It has to be a disciplinary dismissal. 
• If you are forced to transfer from your job and you have to change your address. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary work agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you are summoned as a party, you will be a court witness or member of a jury. Covered causes must occur when Your Journey has already begun.

• If you or an Immediate Family Member dies from COVID-19 between the insurance contract and the date the trip begins. 
• If you become ill with COVID-19 in the two weeks before starting the trip and you do not need hospitalization. 
• If you become ill with COVID-19 and are hospitalized in the four weeks prior to starting the Trip 
• If you or your Companion are in medical quarantine for being sick with COVID-19 on the date the trip begins. Quarantine must be prescribed by a doctor. 
• If an Immediate Family Member of Yours is hospitalized for COVID-19 and this fact prevents You from making the Trip. 
• If you are denied boarding because you have a fever or other symptoms. You must present a positive test for COVID-19 carried out on the same day or in the following three days. 
• If the authorities of Your country require Your presence or services as part of the response to the situation created by COVID-19.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of: 
• You 
• a relative of yours of the first or second degree of kinship 
• the person who was caring for Your minor or disabled children in Your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station. 
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

If you have to interrupt your trip, we will pay you the expenses corresponding to the temporary accommodation of the days of the trip not used up to the limit corresponding to the contracted modality. 

To calculate the amount we have to pay you, we divide the total amount of the accommodation cost by the number of nights booked and the person. We multiply the resulting amount by the number of nights not enjoyed by you.

The causes assured are:

• Death of: 
• You or 
• A Direct Family Member. 
• Bodily accident or Serious Illness that implies Your hospitalization and prevents You from continuing your Trip. 
• Bodily accident or Serious Illness that implies hospitalization of a Direct Family Member. 
• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider serious damage caused by fire, explosion, theft or force of nature. 
• If you are fired from your job. It has to be a disciplinary dismissal. 
• If you are forced to transfer from your job and you have to change your address. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary work agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you are summoned as a party, you will be a court witness or member of a jury. Covered causes must occur when Your Journey has already begun.

• Medical / hospital assistance if you get sick from COVID-19 
• Diagnostic test (PCR) to confirm COVID-19 infection if: 
• You have symptoms 
• You have no symptoms, but are required by a hospital or medical facility to treat you for another illness or accident 
• Transfer back to Your home if You cannot return by the means provided because you have been sick with COVID-19: 
• Transfer of mortal remains if you die from COVID-19. As long as there are no legal, governmental or sanitary measures impediments. 
• Extension of stay in hotel / accommodation if you are sick, but do not need hospitalization. The hotel stay must be prescribed by a doctor. 
• Early return if an Immediate Family Member of Yours: 
• Dies from COVID-19 or 
• You are hospitalized for COVID-19

• If you or an Immediate Family Member dies from COVID-19 between the insurance contract and the date the trip begins. 
• If you become ill with COVID-19 in the two weeks before starting the trip and you do not need hospitalization. 
• If you become ill with COVID-19 and are hospitalized in the four weeks prior to starting the Trip 
• If you or your Companion are in medical quarantine for being sick with COVID-19 on the date the trip begins. Quarantine must be prescribed by a doctor. 
• If an Immediate Family Member of Yours is hospitalized for COVID-19 and this fact prevents You from making the Trip. 
• If you are denied boarding because you have a fever or other symptoms. You must present a positive test for COVID-19 carried out on the same day or in the following three days. 
• If the authorities of your country require your presence or services as part of the response to the situation created by COVID-19.