ParticularesInsured amount M€22 Policies processed3.400 Clients2.750
Travel insurance and international assistance
At JORI& we understand that each trip is a unique experience and we want you to enjoy your adventures to the fullest without worries.
In short
What is travel insurance
Travel insurance covers medical assistance and repatriation abroad, trip cancellation for justified reasons, and luggage incidents. Its decisive cover is medical assistance: hospitalisation in the United States can exceed €100,000, and neither the Spanish public health system nor the European Health Insurance Card cover anything outside their applicable areas.
Advantages
Advantages of travel insurance
It is the insurance with the most disproportionate relationship between cost and avoided exposure that exists.
You do not advance the money
The headquarters refers to an agreed centre and pays directly. Without a policy, a hospital in the United States requires a card before attending and you claim afterwards.
You recover what you paid if you cannot travel.
The cancellation refunds a trip already paid for months before. In a family trip of a certain amount, the premium is recovered with a single unforeseen event.
Requirement for visa and stays.
Numerous countries and study programmes require proof of medical insurance with a minimum capital. Without it, entry is not processed.
The annual one costs a few cents a day.
From three or four trips a year, the multi-trip costs less than contracting them separately and eliminates the risk of forgetting one.
Profile
Who it is for
International travellers
Especially to destinations with expensive private healthcare: United States, Canada, Japan or Switzerland.
Professionals with frequent travel
Profiles for whom the annual multi-trip policy is much cheaper than contracting trip by trip.
Families on holiday
Households that have made a significant upfront payment and need cancellation cover.
Students and long stays
Erasmus and international programmes, often requiring insurance for the visa.
Technical criteria
What is often discovered late
Travel insurance is purchased quickly and read little, and that's where problems arise.
Believing the European Health Insurance Card is enough
It only provides access to the public healthcare of the country under the same conditions as its residents. It does not cover repatriation, co-payments, private assistance, or anything outside the EU.
Cancellation with specified causes
Cancellation cover only operates for the causes listed in the policy. Regret or a change of plans are never included unless it's a cancellation for any reason policy.
Pre-existing conditions
A decompensation of a pre-existing condition is usually excluded, precisely in the profile that needs it most.
Adventure sports
Off-piste skiing, diving or high-altitude trekking require express extension and are common causes of rejection.
Scope
Main covers of travel insurance
- Medical, surgical, pharmaceutical and hospital assistance abroad
- Medical repatriation of the insured and companions, and transportation of remains
- Cancellation and annulment of the trip for guaranteed reasons
- Loss, theft and delay of luggage, and expenses for flight delay
- Private civil liability during the trip and legal defence
- Annual multi-trip modality with a limit of days per trip
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre travel insurance
Doesn't the European Health Insurance Card already cover me?
Only in countries of the European Economic Area and Switzerland, and only in public centres and under the same conditions as a resident, which includes their co-payments. It does not cover repatriation, private assistance, or companion expenses. Outside this scope, it covers absolutely nothing.
What medical assistance capital do I need?
For Europe, €30,000 is usually enough. For the United States, Canada or Japan, we do not go below €500,000 and recommend unlimited capital, because an intervention with hospitalisation there can easily exceed any intermediate figure.
When should I take out cancellation cover?
At the time of booking and paying for the trip, not afterwards. Cancellation covers unforeseen causes after contracting; if you contract when you already know there may be a problem, that cause is excluded as known.
Is the annual multi-trip policy worth it?
From three or four trips a year, almost always. It covers all trips of the year with a limit of days per trip, usually between thirty and ninety. For professional profiles travelling each month, it is clearly the most efficient option.
Does it cover if I have a chronic illness?
Assistance for a new cause does. Decompensation of the pre-existing condition is usually excluded, unless pre-existing cover is contracted, which exists in the market and must be expressly requested. It is the most important conversation for travellers with a known condition.
What do I do if I need assistance while abroad?
Call the assistance centre before going to a medical centre, whenever the urgency allows. The insurer refers to an agreed centre and assumes payment directly, which avoids advancing very high amounts and later discussing reimbursement.
Travel assistance
What you have covered before leaving on a trip
Tell us the destination, dates and who is travelling. We will tell you what medical capital you need and if an annual multi-trip is worth it.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
