Does accident insurance include cover abroad?  

One of the most frequently asked questions by insured persons is whether their accident insurance with cover abroad is guaranteed and under what conditions.

The answer depends primarily on the specific clauses in the Specific Terms and Conditions of the policy. It's essential to review these details to understand what type of protection you have when travelling outside of Spain.

• Guarantees with international cover: The guarantees for "Death", "Permanent disability", "Severe disability", "Temporary disability" and "Medical assistance" generally provide cover for claims anywhere in the world, as long as the insured person’s usual place of residence is in Spain. This means that, in the event of an accident during a trip, this cover may apply even if the incident occurs outside Spain.

• Specific limitations abroad: Although many guarantees of accident insurance with cover abroad are valid overseas, some have regional restrictions. For example, the guarantee for "Temporary disability" and "Medical assistance" usually only applies when the insured person is in Spain. Likewise, cover for "Hospitalization due to an accident" is geographically limited to the European Union, the United States and Canada, excluding other countries.

Ultimately, if you're looking for accident insurance with cover abroad, it's essential to pay attention to the specific clauses that define the regional scope of each guarantee. Some policies offer global cover for certain risks, while others limit their benefits to certain countries or regions. Therefore, it is advisable to consult with your insurer and consider additional options if you travel frequently or to destinations outside of standard cover.

In addition, at DKV, our health insurance policies include medical assistance cover when travelling abroad in case of emergency, provided that the trip lasts less than 180 days and with medical expenses not exceeding 30,000 euros.