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Adeslas travel insurance review: All you need to know about it
Thinking of a trip abroad? Make sure you’re covered! Here we explain everything you need to know about Adeslas travel insurance – including coverage, policies, customer reviews and more.
Do you find it hard to choose the right travel policy? And you have a point. With so many options and insurers promising the best coverage, knowing which one really delivers can feel tricky. To help, today we’ll talk about one of the most popular in the market. We’ll review what Adeslas travel insurance offers, share reviews from real clients, and explain everything you should know before trusting them with your safety abroad. Join us to discover if it’s right for you.
What’s Adeslas and which travel insurance does it offer?
If you’ve been researching insurers, it’s natural Adeslas caught your attention. It’s one of the most prestigious in the sector. Founded in 1966, it now belongs to Mutua Madrileña Group, with CaixaBank’s participation. Although it’s mainly known for health insurance, it also offers home, funeral, accident, pet and other covers. Travel insurance too, of course.
The company’s goal is to ensure peace of mind, both inside and outside Spain. To achieve this, it provides plans tailored to each user. For travel insurance, it offers four options:
- Basic Policy: Designed for travellers who want minimum coverage abroad. Includes medical costs, hospitalisation, and urgent repatriation.
- Complete Policy: Besides medical assistance, it covers luggage loss, flight delays, and legal support at destination.
- Premium Policy: Adds trip cancellation cover, higher medical limits, and help if you lose personal documents.
- Excellence Policy: The most complete option here. Ideal for long trips or risky activities. Includes higher limits and extra protection for adventure sports.
Although all plans are solid, you can add extras for more flexibility. Optional guarantees include cancellation cover —with three levels: €300 ($312), €600 ($625) or €1,500 ($1,564)— or ski protection.
What Adeslas travel insurance covers
Do its reputation and policy options convince you? Before signing, make sure you understand what’s covered if an incident happens abroad. Not all insurers offer the same benefits, so knowing the details helps you choose wisely. Let’s review Adeslas travel insurance coverage so you can check if it matches your needs:
- Medical and hospital care abroad: Adeslas covers medical, hospital, and surgical costs if you fall ill or suffer an accident abroad. Coverage depends on the plan (up to €50,000 ($52,158)). It also covers prescribed medicines and urgent dental care (up to €300 ($312)).
- Medical repatriation and transfers: If you must return home for health reasons, Adeslas pays for ambulance, medical flight, or any transport needed. A companion’s ticket is also covered if necessary.
- Early return for hospitalisation or family death: If a close relative dies or is seriously ill, the policy covers your return trip costs.
- Luggage loss or delay: Compensation if checked luggage is lost or delayed over 12 hours. Depending on plan, up to €600 ($625) for loss and €120 ($125) for delay.
- Trip cancellation: Some plans refund cancellations for valid reasons like serious illness or family death. You can also add Optional Cancellation Guarantee (€300 ($312), €600 ($625), €1,500 ($1,564)).
- Delays in transport: If your flight, train, or boat is delayed more than 12 hours, you may receive up to €120 ($125) to cover extra expenses.
- Legal assistance abroad: Covers legal defence (up to €15,000 ($15,647)) and bail (up to €10,000 ($10,431)).
- Medicine delivery and 24/7 phone support: If you need medicine unavailable locally, Adeslas sends it. Also includes remote medical advice.
- Repatriation of mortal remains: If the insured dies abroad, the policy covers repatriation costs and a companion’s ticket if needed.
Remember that, as we mentioned earlier, Adeslas offers certain additional coverages. As mentioned earlier, Adeslas also offers ski and winter sports cover: piste rescue, ski pass and equipment refunds, ambulance transport, and more.
What Adeslas travel insurance doesn’t cover
As shown, Adeslas policies are quite complete. Still, like with any insurer, some things won’t be covered abroad. Knowing this helps you not only choose the right company but also prepare better while travelling.
- Pre-existing conditions: Any illness diagnosed before travel isn’t covered, except for unexpected justified complications.
- Maximum trip duration: Valid only for trips of up to 90 consecutive days. Longer stays require another policy.
- High-risk activities: Extreme sports like skydiving, deep diving, or climbing aren’t covered. As noted, you can buy extra guarantees for these.
- Unjustified cancellations: Only cancellations for specific reasons like illness or a family death are covered. Personal reasons won’t be refunded.
- Theft or loss of valuables without security: If your luggage is lost or stolen in an unguarded place, Adeslas won’t refund you.
- Non-urgent treatments: Check-ups, cosmetic surgery, or preventive consultations aren’t included.
- Unauthorised medical costs: In most cases, you must contact Adeslas before treatment for coverage to apply.
If you’ve read our other insurer reviews, such as RACE travel insurance or Ocaso travel insurance, you’ll see most don’t cover these cases. If you want them included, you’ll need to search carefully.
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How’s Adeslas customer service?
After reviewing cover and exclusions, it’s time to see how Adeslas really performs. Let’s start with their customer service. Customer service is essential. Promises mean nothing if they don’t answer when needed. That’s even more important when you’re abroad.
Adeslas supports clients through several channels:
- 24/7 helpline: For emergencies, a number is active 24 hours a day, 365 days a year.
- Branch offices: If you prefer in-person service, you can visit an office in Spain before travelling.
- Email and web form: For non-urgent queries, clients may send an email or fill in a form. Response time is usually 24–48 business hours.
- Social media: Though not ideal for emergencies, Adeslas answers general questions on Twitter and Facebook. User opinions suggest customer service is generally efficient.
Still, some mention waiting times can be a bit long.
Adeslas website and platform review
Many travellers still buy through agencies or brokers, but more want online management. A website or app is now essential for everyone.
Adeslas website is well organised. You can access all policies, including travel, from the top menu. In just a few clicks, you’ll reach what you need. In the travel section, you can calculate prices in minutes for your travel days.
However, unlike IATI travel insurance, you can’t purchase online. You can simulate costs, but for contracts you must call or visit a branch.
The Adeslas app scores 4.6 out of 5 in the App Store. Reviews are mixed, some positive and some negative.
“The app is terrible.
Every time you try to do something, it doesn’t do what it’s supposed to do, or it gives an error, or it does nothing, or it goes blank. It’s absolutely exasperating. “— User MRD_080. Adeslas travel insurance, reviews on the App Store
Advantages and disadvantages of Adeslas travel insurance
As seen, Adeslas offers strong services but also areas needing improvement. To make it clearer, here’s a strengths and weaknesses table:
| What Adeslas should keep | What Adeslas should improve |
|---|---|
| International medical cover: Depending on plan, covers €3,000 up to €50,000 abroad. | Trip duration limits: Covers only up to 90 days. Longer trips need another insurer. |
| 24/7 medical support: Includes phone consultations, repatriation, and medicine delivery. | No online purchase: You can calculate online, but must buy by phone or in branch. |
| Optional extras: Add cancellation cover and winter sports protection. | Slow processes sometimes: Refunds or claims can take time. |
| Luggage and document protection: Covers lost luggage, delays, and help with lost passport. | No cover for pre-existing conditions: Except rare justified cases. |
| Legal and financial help: Covers legal defence, bail, and costs abroad. | Sports exclusions: High-risk sports like skydiving aren’t covered unless extended. |
| Multi-channel service: Phone 24/7, email, web form, and social media. | Low compensation for delays: |
Refunds are lower than with some competitors.
Pros and cons of Adeslas travel insurance
Adeslas experiences and customer opinions When choosing an insurer, beyond good websites or coverage, what matters most is real performance.
The best way to know is by checking user reviews. To help you decide if Adeslas fits your needs, we’ve researched user experiences. Here’s what travellers say:
Medical care abroad with Adeslas travel insurance: Reviews
If you face health issues abroad, you’ll want quick, effective care. It should also cover all possible expenses. In this regard, the experiences of Adeslas users vary depending on the destination and the type of incident:
- Positive: Covers medical care abroad, hospitalisation, emergency surgery, and repatriation. Depending on plan, up to €50,000 ($52,158) for medical costs.
- Negative: Some users mention bureaucratic delays. Often Adeslas requires prior contact, which slows urgent care.
‘I shouldn’t even give it one star. It’s a nightmare every time I go on a trip and need to go to a medical centre. Their professionalism leaves a lot to be desired. I work in the healthcare sector and I find it regrettable that they keep me on hold for two hours like a call centre, transferring calls and not resolving anything.’— User Rosa Sena, Adeslas travel insurance, reviews on Trustpilot
Luggage protection with Adeslas travel insurance: Reviews
Losing luggage or suffering theft abroad is stressful. Adeslas offers compensation, but satisfaction varies.
- Positive: Covers lost or stolen checked luggage, up to €600 ($625). Refunds up to €120 ($125) for essentials if luggage is delayed more than 12 hours.
- Negative: Some clients say claims are slow and demand too much paperwork.
Trip cancellation and refunds with Adeslas travel insurance: Reviews
Unforeseen events can stop any trip. So it’s vital to know how insurers respond. Adeslas includes several refund scenarios. But how easy is it? Users explain:
- Positive: Covers cancellations for serious illness, family death, or medical issues. You can add optional cancellation with three coverage levels.
- Negative: Refund processes are long. Clients must provide detailed proof.
Activities and liability with Adeslas travel insurance: Reviews
What if you cause third-party damage while abroad? It’s key to know about civil liability and sports cover. Users say:
- Positive: Covers legal costs and compensation for accidental third-party damage. Optional extras include winter sports cover.
- Negative: High-risk sports excluded: diving, skydiving, climbing, unless extended. Some think liability limits should be higher.
That’s our full review of Adeslas travel insurance with real user feedback. Overall, Adeslas offers a flexible and complete policy, adaptable with extras. Most reviews are positive. If you’re looking for a reliable insurer with a good reputation, Adeslas could be right for you.
