We use AVI insurance to cover our students during their study trip. All details below refer to the AVI policy. Where listed the ‘Alarm Center’ refers to the AVI Alarm Center and ‘we’ refers to the insurance company. Insurance details will be sent to students before arriving in Spain. If you are unsure of any of the details then please get in touch.
HEALTH INSURANCE COVERAGE DETAILS
Medical /Accident Coverage
Medical treatment and care € 1 000 000
Cost of care due to illness or accident
Psychological/psychiatric: 0-3 Month(s) Not covered, 3-6 Month(s) € 192,+6 Month(s) € 385
Chiropractic/physiotherapy:0-3 Month(s) € 140, 3-6 Month(s) € 140,+6 Month(s) € 280
Dental treatment
Emergency dental treatment: 0-3 Month(s) € 140, 3-6 Month(s) € 280,+6 Month(s) € 560
Dental care necessitated by an accident (per tooth) € 420
Transportation Expenses
Ambulance expenses: Real costs
Assistance Medical evacuation: Real costs
Repatriation of remains: Real costs
Family member travel expenses
Family member travel expenses +3 days hospitalization (1 pers.) € 1 400
Family member travel expenses +7 days hospitalization (2 pers.) € 2 800
Cost of lodging
Cost of lodging 1 visitor while hospitalized € 70
Cost of lodging 2 visitors while hospitalized € 105
Emergency Return Transportation to Participant’s Home
Travel expenses accident /life-threatening illness parent: Real costs
Return ticket to host country: Real costs
Extension of stay abroad: € 1 500
Accidental Death Abroad € 10 500
Disability Resulting from an Accident € 52 500
Third Party Liability Coverage
Personal injury: € 750 000
Accidental damage to property: € 385 000
Legal Expenses
Baggage & Personal Effects Benefit: € 2 100
Maximum compensation per item: € 350
Maximum compensation for “theft prone” property: € 700
Cash advance: € 1 000
Delay Coverage
Transportation delay € 420
Baggage delay € 1 000
FAQ
Where does my travel insurance apply?
Unless specified otherwise in a specific coverage or premium, your travel insurance coverage is valid WORLDWIDE, except in your country of usual residence. If you are traveling in the USA and you decide to visit Canada also, you continue to be covered through AVI. Your insurance coverage period begins upon your departure from your country of residence and ends upon your arrival back in your country of residence.
What shall I do in case of an emergency?
In case of an emergency, you have to call our Alarm Center at the toll-free emergency phone number you were given. One is valid for the USA and Canada, another one is valid for all countries other than the USA and Canada. Please refer to your ID insurance card and insurance document.
When and why shall I call the Alarm Center?
In case of medical evacuation in case of hospitalization, the Alarm Center can contact the hospital and directly confirm the guarantee of payment so that you do not have to pay upfront for the medical services rendered, in case of family visit (if included in your coverage). in case of emergency return home : if one of your family members (father, mother, sister or brother) is in a life-threatening situation, we will arrange and pay for the air ticket to fly you back home, if your original return ticket cannot be used.
How do I contact the Alarm Center? Shall I pay?
In the USA / Canada, call the -800 toll-free number. You will not pay for the phone call. For all the other countries, please call collect. The alarm center will accept the charges of your call. However in some countries, collect calls are not accepted. In such a case, after you place your call, please ask for an itemized invoice with the phone number you called as well as the price of the phone connection. We will reimburse you accordingly.
Can I go to the doctor of my choice?
Yes, you can go to the doctor of your choice. This doctor can call the Alarm Center in order to verify your coverage at which time we will provide that office with the billing address.
If I pay my doctor in cash, how soon do I get reimbursed?
Usually it takes three or four weeks for claims to be processed. However, claims can be processed and paid much earlier, depending on how soon the file – with all the necessary paperwork – is received by the claims office.
How can I get reimbursement?
The different means of reimbursement are the following: checks in US $, in Swiss Francs or in Euros bank transfer when you are traveling abroad and that you have no bank account, we can credit your credit card.
Which illnesses are covered?
Any illness which is not pre-existing, that is which was not contracted before you left your country and before the effective departing date of coverage. Any illness which is not congenital. Consequences of HIV or Hepatitis C are NOT covered.
Which accidents are covered?
Any kind of accident is covered except accidents related to competitions or high-risk sports (such as bungie-cord jumping, parachuting, etc.) or accidents which are consecutive to voluntary acts : alcohol intoxication, use of narcotics, riots or assaults…
Are car accidents covered?
Car accidents are covered ONLY in the following cases : as a passenger while driving an automobile in a professional or school supervised driver’s training program as an Au-Pair or a long-term trainee working at hospitality facilities, who is likely to drive in the scope his/her duties. Nevertheless please note that car accidents are covered only in excess of any other auto insurance coverage available to pay for medical care. This means that AVI International acts as secondary insurance carrier to : the car insurance of the driver responsible for the accident in which you were a passenger, your car insurance if you have rented a car as an Au-Pair or trainee, the car insurance of the driver responsible for the accident in which you were involved as an Au-Pair/Trainee-driver. Please be advised that your liability as a driver (personal injury and damages to a third party) is not covered as per the terms of our policy. We strongly advise you to check with your car rental company for this extra coverage (PLI Personal Liability Insurance).
Is dental care covered?
Any emergency dental care (infection of tooth/gum or abscess) is covered according to the length of stay abroad. Please refer to your policy for limitations. In case of an accident is my dental care covered? In case of an accident, your dental care is covered too. Please refer to your policy for the maximum granted.
In case of medical evacuation, can my boy/girlfriend be evacuated with me?
Yes. Provided he/she is also covered with AVI International, bought the insurance when you did and lives in the same country as you, you will both be evacuated.
If I am treated and the usual medication is not available in the country I am visiting, can AVI International deliver them to me?
Sure, this benefit is listed among the basic travel medical benefits. In case of an emergency, we can forward urgent messages as well.
IMPORTANT NOTE:The purchase of medications and shipping costs remain nevertheless at your own expense.
In case of medical evacuation, what is covered?
All of the medical evacuation are included