CNTOUR

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip.

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one.

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider.

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip.

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip.

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of:
• You
• Death of a third-degree relative of yours.
• If you have pregnancy complications or miscarriage.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury.
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime).
• If you are summoned for proceedings related to Your divorce.
• If you are going to be given a child for adoption on the dates scheduled for your trip.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. 

You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons: 

• Serious Illness, Serious bodily injury or death of: 
• You 
• A relative of yours of the first or second degree of kinship 
• The person who was caring for Your minor or disabled children in your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station.
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a non-disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
   

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when:

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

Jika perjalanan Anda tidak dapat dilanjutkan, kami akan membayarkan biaya akomodasi sementara untuk durasi perjalanan yang tidak digunakan hingga batas yang sesuai dengan jenis kontrak. 

Untuk menghitung jumlah yang harus kami bayarkan kepada Anda, kami membagi jumlah total biaya akomodasi dengan jumlah malam yang dipesan dan orang tersebut. Kami mengalikan jumlah yang dihasilkan dengan jumlah malam yang tidak dinikmati oleh Anda.

Penyebab yang diasuransikan adalah:

• Kematian: 
• Anda atau 
• Anggota Keluarga Langsung. 
• Kecelakaan tubuh atau Penyakit Serius yang mengharuskan Anda dirawat di rumah sakit dan mencegah Anda melanjutkan perjalanan Anda. 
• Kecelakaan tubuh atau Penyakit Serius yang mengharuskan anggota keluarga langsung Anda dirawat di rumah sakit. 
• Kerusakan serius pada tempat tinggal Anda (utama atau sekunder) atau tempat kerja profesional Anda (ketika kehadiran Anda sangat diperlukan). Kami akan mempertimbangkan kerusakan serius yang disebabkan oleh kebakaran, ledakan, pencurian, atau kekuatan alam. 
• Jika Anda dipecat dari pekerjaan Anda. Itu harus pemecatan disipliner. 
• Jika Anda dipaksa untuk pindah dari pekerjaan Anda dan Anda harus mengubah alamat Anda. 
• Jika Anda mulai bekerja di perusahaan baru, di mana Anda belum dipekerjakan dalam enam bulan sebelumnya. Jika Anda dipekerjakan oleh agensi kerja sementara (ETT), kami akan mempertimbangkan perusahaan tempat Anda bekerja dan bukan ETT. 
• Jika Anda dipanggil sebagai pihak, Anda akan menjadi saksi pengadilan atau anggota juri. Penyebab yang ditanggung harus terjadi ketika Perjalanan Anda sudah dimulai.

• Jika Anda atau Anggota Keluarga Terdekat meninggal karena COVID-19 antara kontrak asuransi dan tanggal dimulainya perjalanan. 
• Jika Anda jatuh sakit dengan COVID-19 dalam dua minggu sebelum memulai perjalanan dan Anda tidak perlu dirawat di rumah sakit. 
• Jika Anda jatuh sakit dengan COVID-19 dan dirawat di rumah sakit dalam empat minggu sebelum memulai Perjalanan 
• Jika Anda atau Pendamping Anda berada dalam karantina medis karena sakit COVID-19 pada tanggal dimulainya perjalanan. Karantina harus atas anjuran dokter. 
• Jika Anggota Keluarga Terdekat Anda dirawat di rumah sakit karena COVID-19 dan fakta ini mencegah Anda melakukan Perjalanan. 
• Jika Anda ditolak naik pesawat karena Anda mengalami demam atau gejala lainnya. Anda harus menunjukkan tes positif COVID-19 yang dilakukan pada hari yang sama atau dalam tiga hari berikutnya. 
• Jika pihak berwenang di negara Anda memerlukan kehadiran atau layanan Anda sebagai bagian dari tanggapan terhadap situasi yang diciptakan oleh COVID-19.

We will pay you the expenses for the cancellation that Your Travel provider bills you according to the conditions of sale up to the limit corresponding to the contracted modality if you have to cancel your trip. 

The maximum compensation per claim, in each group policy, will be the one corresponding to the contracted modality, for all the insured affected by the same claim. If the indicated limit is exceeded, the compensation will be distributed proportionally among the Insured affected and according to the amount insured by each one. 

We will not pay the costs of airport taxes, management fees for issuance or cancellation, insurance, or other supplements that are not paid by the service provider. You must cancel the Trip before the start date and notify the supplier. This guarantee is valid until the day and time that you must start your trip. 

The insured causes that prevent you from making the Trip must occur after 72 hours from your adhesion to the insurance; Unless you adhere to the insurance at the same time you take out the Trip. 

The insured causes that prevent You from making the Trip on the scheduled date are the following:

For health reasons:

• Serious Illness, Serious bodily injury or death of: 
• You 
• a relative of yours of the first or second degree of kinship 
• the person who was caring for Your minor or disabled children in Your care 
• Your professional substitute 
• Death of a relative of yours of the third degree of kinship. 
• If you are unexpectedly called for surgery. 
• If you have pregnancy complications or miscarriage. 
• If you are cited for an organ transplant. 
• If a child or brother of yours under two years of age who is insured by this insurance becomes ill unexpectedly.
  

For legal reasons:

• If you are summoned as a party, you will be a witness for a court or a member of a jury. 
• If you are summoned as a member of a polling station. 
• If you are detained by the police (as long as it is not for a crime). 
• If you are summoned for proceedings related to Your divorce. 
• If you are going to be given a child for adoption on the dates scheduled for your trip. 
• If you are denied a visa without just cause by the consulate. 
• If you are summoned from an official body to sign a document in person.
  

For Laboral reason:

• If you are fired from your job. It has to be a disciplinary dismissal. 
• If you start a job in a new company, in which you have not been hired in the previous six months. In case you are hired by a temporary employment agency (ETT) we will consider the companies for which you have worked and not the ETT. 
• If you have to take official exams on the dates of your trip. 
• If you have your employment contract extended. 
• If you are forced to transfer and you have to change your address.
  

For extraordinary causes:

• Serious damage to your residence (primary or secondary) or to your professional premises (when your presence is essential). We will consider as serious damages those produced by a fire, a theft, an explosion, a flood or by the forces of nature. 
• If you cannot start your trip because there have been acts of air, land or naval piracy at some point along the way. 
• If the Authorities officially declare a “catastrophic zone” the place from which you start your trip. 
• If a terrorist act or a natural catastrophe occurs at the destination. It must be produced within the 30 days prior to the start date of Your Trip. It must be produced within a distance of less than 30 km from the destination. 
• If your company is declared bankrupt.
  

Other motives:

• If you receive a parallel income statement made by the Ministry of Finance for an amount greater than 600 euros. 
• If you cancel the trip because you have won a similar trip in a public draw before a notary public. 
• If your documentation or luggage is stolen in the moments prior to your trip and for that reason you cannot start it. 
• If you break down your vehicle or that of your spouse, or have an Accident with one of them, and you cannot make Your Trip because the cost of the repair is higher than 600 euros. 
• If you are awarded an official scholarship that coincides with the dates of your trip.
  

When You cancel Your Trip for any of the insured causes, we will also pay the expenses of canceling a Companion when: 

• is insured by this insurance, 
• is on the same Trip reservation as you and 
• you have to travel alone after you have canceled your trip.
  

If You cancel Your Trip for any of the insured causes, we will also pay the cancellation costs of minors when: 

• are insured by this insurance, 
• are in the same reservation of the Trip as you, 
• are at Your expense during the Trip and 
• You cancel your trip for any of the insured causes.
  

If You cannot make Your Trip for any of the insured causes, you can choose to: 

• cancel Your Trip, or 
• assign Your Trip or change it to someone else's name, or 
• modify the dates to travel at another time.
  

If you choose to assign or modify the Trip, we will pay the expenses that are produced by the changes if they are less than the cancellation expenses. In both cases, you waive requesting that we pay you any other type of expense for the cancellation of the trip.

Jika perjalanan Anda tidak dapat dilanjutkan, kami akan membayarkan biaya akomodasi sementara durasi perjalanan yang tidak digunakan hingga batas yang sesuai dengan jenis yang dikontrak. 

Untuk menghitung jumlah yang harus kami bayar kepada Anda, kami membagi jumlah total biaya akomodasi dengan jumlah malam yang dipesan dan orang. Kami mengalikan jumlah yang dihasilkan dengan jumlah malam yang tidak Anda nikmati.

Penyebab yang dijamin adalah:

• Kematian: 
• Anda atau 
• Anggota Keluarga Langsung. 
• Kecelakaan fisik atau Penyakit Serius yang mengakibatkan Anda dirawat di rumah sakit dan mencegah Anda melanjutkan perjalanan Anda. 
• Kecelakaan fisik atau Penyakit Serius yang mengakibatkan anggota Keluarga Langsung dirawat di rumah sakit. 
• Kerusakan serius pada tempat tinggal Anda (utama atau sekunder) atau tempat kerja profesional Anda (ketika kehadiran Anda sangat penting). Kami akan mempertimbangkan kerusakan serius yang disebabkan oleh kebakaran, ledakan, pencurian, atau bencana alam. 
• Jika Anda dipecat dari pekerjaan Anda. Itu harus pemecatan disipliner. 
• Jika Anda dipaksa untuk pindah dari pekerjaan Anda dan Anda harus mengubah alamat Anda. 
• Jika Anda memulai pekerjaan di perusahaan baru, di mana Anda belum dipekerjakan dalam enam bulan sebelumnya. Jika Anda dipekerjakan oleh agen kerja sementara (ETT), kami akan mempertimbangkan perusahaan tempat Anda bekerja dan bukan ETT. 
• Jika Anda dipanggil sebagai pihak, Anda akan menjadi saksi pengadilan atau anggota juri. Penyebab yang ditanggung harus terjadi ketika Perjalanan Anda sudah dimulai.

• Bantuan medis / rumah sakit jika Anda sakit karena COVID-19 
• Tes diagnostik (PCR) untuk mengkonfirmasi infeksi COVID-19 jika: 
• Anda memiliki gejala 
• Anda tidak memiliki gejala, tetapi diharuskan oleh rumah sakit atau fasilitas medis untuk merawat Anda karena penyakit atau kecelakaan lain 
• Transfer kembali ke rumah Anda jika Anda tidak dapat kembali dengan cara yang disediakan karena Anda telah sakit dengan COVID-19: 
• Transfer jenazah jika Anda meninggal karena COVID-19. Selama tidak ada hambatan tindakan hukum, pemerintah atau sanitasi. 
• Perpanjangan masa tinggal di hotel / akomodasi jika Anda sakit, tetapi tidak perlu dirawat di rumah sakit. Masa tinggal di hotel harus diresepkan oleh dokter. 
• Kepulangan dini jika Anggota Keluarga Dekat Anda: 
• Meninggal karena COVID-19 atau 
• Anda dirawat di rumah sakit karena COVID-19

• Jika Anda atau Anggota Keluarga Terdekat meninggal karena COVID-19 antara kontrak asuransi dan tanggal dimulainya perjalanan. 
• Jika Anda jatuh sakit karena COVID-19 dalam dua minggu sebelum memulai perjalanan dan Anda tidak memerlukan rawat inap. 
• Jika Anda jatuh sakit karena COVID-19 dan dirawat di rumah sakit dalam empat minggu sebelum memulai Perjalanan 
• Jika Anda atau Pendamping Anda berada dalam karantina medis karena sakit COVID-19 pada tanggal dimulainya perjalanan. Karantina harus atas anjuran dokter. 
• Jika Anggota Keluarga Terdekat Anda dirawat di rumah sakit karena COVID-19 dan hal ini mencegah Anda melakukan Perjalanan. 
• Jika Anda ditolak untuk naik pesawat karena Anda mengalami demam atau gejala lainnya. Anda harus menunjukkan hasil tes positif untuk COVID-19 yang dilakukan pada hari yang sama atau dalam tiga hari berikutnya. 
• Jika otoritas negara Anda memerlukan kehadiran atau layanan Anda sebagai bagian dari tanggapan terhadap situasi yang diciptakan oleh COVID-19.