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Civitatis travel insurance reviews: Advantages & disadvantages
Picking the right travel insurance isn’t as easy as choosing what to eat. Check out Civitatis travel insurance, coverage details, real reviews, and why savvy travellers recommend it.
If you love travelling often or live a nomadic lifestyle, getting insurance is as essential as your luggage or laptop. Think about it: When you head somewhere new, adventures wait around every corner — and so do accidents. A travel policy is that ace up your sleeve that saves you from trouble and major expenses. Today, we’ll review Civitatis travel insurance opinions: Cover, prices, and user feedback on whether it truly delivers what it promises. After reading this, you’ll be able to compare it with other market options such as Coris or Assist 365, also featured on Holafly’s blog.
What is Civitatis travel insurance and what travel cover does it offer?
Civitatis began in 2008 as a company offering tourist activities as its main product. Today, it provides over 90,000 plans including tours, guided visits, and excursions in different languages, French, English, Italian, and Portuguese, across 160 countries. With a presence in more than 4,000 destinations, the company has served over 20 million customers.
To offer its travel insurance, Civitatis partners with specialised insurance companies such as ARAG and IATI. These policies cover medical expenses, repatriation, theft, and luggage delays, among other benefits.
Geographical coverage
With Civitatis, you can book travel insurance for different regions before starting your adventure. Remember, though, that the maximum coverage lasts 31 consecutive days and doesn’t apply to cruises.
- Spain: Coverage for domestic travel within the national territory.
- Europe and Mediterranean countries: Includes European nations and those bordering the Mediterranean Sea.
- Worldwide: Protection for travel anywhere in the world.
This policy is ideal for short trips, whether with family, organised tours, or spontaneous weekend escapes. Another must-have when travelling is a stable connection. Don’t waste time searching for Wi-Fi at every stop. With Holafly’s monthly plans, you can contact your insurer whenever needed, work remotely, or stay close to loved ones. Holafly keeps you connected anywhere.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Civitatis travel insurance coverage
Customer opinions about Civitatis travel insurance are generally positive. The coverage is wide and appealing at first glance. Below you’ll find a summary of its main guarantees:
Assistance coverage
- Medical and healthcare expenses: Up to €600,000 ($648,000) for medical costs abroad.
- Repatriation or medical transport: 100 % Covered. Includes injured, ill, or deceased travellers.
- Travel and accommodation for a family member: 100% Covered in case of extended hospital stays.
- Dental expenses: Up to €75 ($81).
- Private civil liability: Up to €30,000 ($32,400) for unintentional damage to third parties.
- Personal accidents: Up to €6,000 ($6,480) for disability or death.
Baggage protection
- Damage or theft: Up to €900 ($972).
- Baggage delivery delay: Compensation of €90 ($97) after a 12-hour delay.
- Lost baggage search: All related costs fully covered.
Additional guarantees
- Legal defence: Up to €3,000 ($3,240) in case of criminal liability.
- Early return: Fully covered in the event of a family member’s death or serious illness.
Coverage and prices
| Coverage days | Price per person |
| 5 | €17.57 ($18.98) |
| 10 | €27.48 ($29.70) |
| 15 | €31.28 ($33.82) |
| 21 | €44.99 ($48.73) |
| 31 | €49.90 ($54.00) |
What’s not covered by the travel insurance?
Just like its coverage, the exclusions are also extensive. So, here’s a full list to help you avoid surprises later:
- Damage caused intentionally or through gross negligence by the insured person.
- Treatments related to chronic, pre-existing, or congenital illnesses.
- Injuries from adventure sports, skiing, or similar activities.
- Illnesses linked to alcohol, drugs, or similar substance use.
- Childbirth, pregnancy, and cosmetic treatments.
- Damage caused by armed conflicts, natural disasters, or terrorist acts.
- Use of air ambulances outside Europe and nearby Mediterranean countries.
Customer service and user opinions about Civitatis travel insurance
When it comes to customer service, Civitatis offers several channels to help travellers solve questions and issues. Users can contact them through:
- Phone: Available for general inquiries and assistance.
- Email: Via the contact form on their website, where you can send specific questions.
- WhatsApp and Telegram: Available 24 hours a day, from Monday to Sunday.
- Live chat: Available on the website, allowing real-time conversations with an agent to solve quick questions.
- Social media: Active presence on Facebook Messenger, Instagram, LinkedIn, and X.
According to their website, support is available 24/7, and response times depend on the contact channel. Generally, live chat and WhatsApp give faster answers, while email responses may take up to 24 hours.
Overall, opinions about Civitatis travel insurance customer service are positive. Although response times can vary, most travellers say the company quickly solves problems and provides support from the first contact during trips:
“I’m still waiting for a refund reply. It’s been 30 days and no one has answered.” Marco.
“Super efficient! My suitcase didn’t arrive on time, and they followed up constantly until they processed my compensation.” Anonymous.
“I contacted them via WhatsApp, and they replied fast with a clear solution. Totally recommend it.” Valeria Priscila.
“My experience was amazing! From start to finish, everything went perfectly. The support during our trip was excellent.” Juan Muratalla.
Opinion about the Civitatis website
Browsing the Civitatis website feels simple and pleasant from the start. The platform shows clear information about its services, including insurance, coverage, and prices. The insurance forms are quick to complete, making the purchase process easy to manage.
The FAQ section is well structured and answers a wide range of common questions. On the same platform, you’ll also find Civitatis travel insurance reviews, showing both good and bad customer experiences together with company responses. This makes it easy to compare opinions. Additionally, the live chat helps you get more details instantly.
Users appreciate how easy it’s to find what they need and the website’s functional design. This ensures that buying travel insurance is straightforward, even for those who aren’t tech-savvy.
“Very complete and easy-to-buy insurance. I always travel with Civitatis and have never had any problems.” Sonia Caro.
“Both the purchase process and the coverage chosen seemed appropriate to me.” Oscar.
Advantages and disadvantages of Civitatis travel insurance
Let’s discuss the good and not-so-good aspects of this Civitatis service. Let’s be honest: While their pink branding looks charming, nothing is ever perfect. There’s always room for improvement, don’t you think?
| To keep | To improve |
| Appropriate medical coverage for short trips. | Low medical expense limits in high-cost countries such as the US. |
| Fast and efficient customer service. | Include adventure sports within the coverage options. |
| Easy purchase process through the website. | Provide options for trips longer than 31 days. |
| Competitive prices for Europe and nearby destinations. |
User experiences and reviews of Civitatis travel insurance
It’s common to look for reviews before making any decision, right? It’s usually the first thing we do before booking a service, visiting a place, or buying something new. Getting insurance isn’t an exception. Regarding Civitatis travel insurance opinions, experiences are as varied as travellers themselves. Let’s look at some of these testimonials covering different service aspects. In the end, the choice is yours:
Medical care and expenses abroad
- “I was unlucky to get sick but lucky to have Civitatis travel insurance. They attended to me really fast, a doctor came to my hotel room, examined me thoroughly, and provided all the medication I needed.” Natalia.
- “We chose the 30-day trip option, and unfortunately, I had several incidents. I got an ear infection, fell on rocks at the beach, and finally caught dengue. I was hospitalised for four days. My insurance COVERED EVERYTHING! I always travel with them, and this time it really proved its worth. Thank you!” Iris Rodríguez.
Unlike Natalia and Iris, these travellers didn’t have such positive experiences with Civitatis insurance:
- “When I needed help, they didn’t provide proper resources. I wanted to go to the emergency room, but they sent me to a hospital far away that didn’t handle my case. They insisted on booking an external consultation instead of urgent care. An hour later, they gave me another address, but I’d already found one myself. Also, the agent only spoke English. I managed, but many others wouldn’t.” Joaquín.
- “We had a policy for three people. We had an accident at 4:30 p.m., and they didn’t explain what to do or send an ambulance. They said they couldn’t find our policy and refused to help without it. We were in Marrakech. Terrible service.” Gemma.
Baggage and belongings protection
- “I contacted them about my damaged suitcase, but we haven’t reached an agreement. They’re trying not to meet their conditions. Some terms weren’t visible when signing up. I’ve booked many tours with them, but this insurance disappoints. I’d advise against buying it because it harms Civitatis’ reputation.” Natalia.
- “My luggage was lost, and I got it back after a week. They told me I wasn’t entitled to compensation.” Luis Valarino.
Trip cancellation and refunds
- “I couldn’t get a refund, and for health reasons, I couldn’t go on the trip.” Beatriz Sanz.
- “I don’t even know why I bought the insurance. I started feeling unwell during the bus tour to Loch Ness and the Highlands, left early, and lost €76 ($82). They didn’t even let me reschedule.” Luis Mariano.
- “I extended my insurance period before it started, and customer service guided me perfectly. They refunded my first booking quickly. It’s reassuring to travel with this coverage. I consider it a reliable product. Thanks!” José Luis.
