C.1 Object of Insurance
The Company indemnifies the Insured, their family members, and one travel companion, registered for the same trip and insured under this policy, for the amounts paid (excluding individual booking costs and the individual insurance fee) and non-refundable amounts withheld by the trip organizer, according to the Terms of Participation in compliance with regional laws, if the trip must be canceled due to the following circumstances, provided they are documented, involuntary, and unforeseen at the time of booking:
- a) Illness, injury, or death of the Insured or a family member;
- b) Inability to reach the trip departure point due to:
- Accident involving the means of transport during the journey;
- Natural disaster;
- c) Pandemic affecting the Insured, a family member (as defined in the glossary), or a travel companion (as defined in the glossary);
- d) Quarantine requiring isolation of the Insured or a travel companion (as defined in the glossary).
The Company reimburses the penalty charged to:
- The Insured;
- And, provided they are insured and registered in the same booking:
- All family members;
- One travel companion.
Maximum Coverage: €15,000 per insured person.
The Company provides reimbursement:
- a) Without applying a deductible in case of trip cancellation due to the death of the Insured or hospitalization for more than 5 days;
- b) For all other causes with a 15% deductible, subject to a minimum of €50.
In the event of illness or injury, the Company's medical team may conduct an examination to confirm that the Insured's condition prevents participation in the trip.
C.2 Commencement, Expiry, and Operability
The coverage starts from the trip's booking/purchase date and is effective until the utilization of the first contractual service of the trip.
C.3 Exclusions (In addition to Common Exclusions)
The Company does not reimburse cancellations caused by:
- a) Pre-existing and progressive illnesses or complications thereof, or if conditions/events likely to cause a claim existed at the time of booking;
- b) Depressive disorders;
- c) Pregnancy;
- d) Pregnancy-related conditions if the pregnancy began before the booking date;
- e) Bankruptcy of the carrier or travel agency.
C.4 Settlement Criteria
The Company reimburses the cancellation penalty:
- a) At the rate applicable on the date of the event. If the Insured cancels the trip after the event, any higher penalty remains their responsibility (Art. 1914 Civil Code).
- b) Reserving the right to reduce the indemnity by the amount recovered by the Insured. The Company has the right to take possession of unused travel documents.
C.5 Validity
The coverage is valid only if subscribed on the same date as the trip's booking/purchase.
Procedure for Filing a Claim (Trip Cancellation) Reporting Method:
- The claim and related documentation can be submitted via the website www.tripy.net or by mail to the address indicated in the policy document.
Required Documents for Trip Cancellation Reimbursement:
- Documentation proving the reason for cancellation (e.g., medical certificate, emergency room report).
- Proof of the relationship between the Insured and the individual causing the trip cancellation.
- Travel catalog or program, including penalty rules.
- Travel contract and payment receipts.
- Booking and penalty statement issued by the tour operator.
- Original travel documents (if the penalty is 100%).
