• Non-initiated trip cancellation expenses: Up to €60,000.

• Serious illness, serious bodily injury or death of:
  • A relative of yours of the first or second degree of kinship.
  • The person who was taking care of your minor children or incapacitated dependents.
  • The legal guardians of the insured.
  • His professional substitute.
  • His direct superior in his position of work, provided that this circumstance prevents him from taking or continuing the trip due to the requirements of the company where he is an employee.
• Death of a relative within the third degree of kinship.
• If you or a first-degree relative of yours are unexpectedly called for surgery, provided that you were already on the waiting list before the policy was taken out.
• If you or a first-degree relative of yours are called for medical tests performed by the Social Security, provided that the seriousness of the case justifies them.
• If you, your spouse or common-law partner duly registered in the corresponding Official Registry has complications during pregnancy and your treating physician prescribes you to rest, provided that the pregnancy is considered a risk.
• Premature birth of the insured, his/her spouse, domestic partner or person living permanently with the insured as such.
• If you, your spouse or common-law partner duly registered in the corresponding Official Registry suffers a miscarriage.
• If you or a first-degree relative of yours is scheduled for an organ transplant, provided that you were already on the waiting list prior to taking out the policy.
• If a child or sibling of yours under the age of two who is insured under this policy becomes unexpectedly ill.
• If you suffer an unforeseen illness, which prevents you, according to your treating physician, from performing the sporting or recreational activity that is the object of the trip.

• If you are summoned as a party, court witness or juror.
• If you are summoned as a member of a polling place.
• If you are detained by the police (other than for a crime).
• If you are summoned for divorce proceedings.
• If you are to have a child placed for adoption on your scheduled travel dates.
• If you are denied a visa without a justified cause by the consulate.
• If you are summoned by an official organization to sign a document in person.
• If you are imposed a traffic sanction, higher than 600 euros, on the dates foreseen for the trip, as long as the infraction and the sanction are subsequent to the contracting of the policy.
• If your driving license is withdrawn and none of the companions can replace you in the driving of the vehicle, provided that this was the means used to make the trip.
  
  

If you are fired from your job. It must be a non-disciplinary dismissal.
If you take a job in a new company, in which you have not been hired in the previous six months. If you are hired by a temporary employment agency (ETT) we will consider the companies you have worked for and not the ETT.
If you have to take official competitive examinations on the dates of your travel, either as a candidate or as part of the examining board.
If your employment contract is extended.
If you are obligatorily transferred and have to move to another province.
If you see your working day reduced, totally or partially, due to the presentation of a Redundancy Proceedings of the company where you are an employee.
If one of the parents of the insured, who has paid for the trip, is dismissed from his/her job. It must be a non-disciplinary dismissal.

Serious damage to your residence (primary or secondary) or to your business premises, when your presence is essential. We will consider as serious damage those caused by fire, theft, explosion, flood or by the forces of nature.
If you are unable to start or continue your trip because of acts of air, land or naval piracy at any point along the route.
If the authorities officially declare the place from which you start your trip or the destination of your trip to be a "disaster area".
If a terrorist act or a natural disaster officially declared by the authorities occurs at your destination. It has to occur within 30 days prior to the date you start your trip or during your trip. It must occur within a distance of less than 50 km from the place of destination.
If your company is declared bankrupt.
If you are required to urgently and inexcusably join the Armed Forces, Police or Fire Brigade.
If your treating physician prescribes a medical quarantine, including for risk of contagion.

If you receive a parallel income tax return made by the Ministry of Finance for an amount higher than 600 euros.
If you cancel your trip because you have won a similar trip in a public draw before a notary.
If your documentation or luggage is stolen on or during your trip and for that reason you are unable to start or continue your trip.
If you or your spouse's vehicle breaks down, or you have an accident with one of them, and you are unable to start or continue your trip.
If you are awarded an official scholarship that coincides with your travel dates.
If you cancel your wedding ceremony (duly accredited) and the purpose of the trip is a honeymoon or engagement trip.
If you or your children who live with you are transferred to a new school after the start of the school year.
Death, serious illness or accident of your pet.
If you decide to cancel the cruise due to a flight delay of more than 6 hours.

Same Causes as Trip Cancellation.

If you have to interrupt your trip, we will pay you the expenses corresponding to the temporary lodging of the unused days of the trip 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 contracted and person. We multiply the resulting amount by the number of nights not used by you.

All insured causes must occur after the trip has started. The insured causes are: