IATI Travel Insurance Promo Code [Up to 15%!] + Reviews

What is IATI travel insurance?

IATI travel insurance is a company based in Barcelona (Spain) that was established in 1885, before planes even existed. Ever since, the company has adapted its insurance business to the new travel trends eventually becoming the company we know today. They take great pride in providing excellent service and the strong relationships they build with their clients.

From your everyday backpacker to an adventurous soul, IATI offers different travel insurance options tailored to every traveler’s needs. You can find different products on its website, which I will talk about later in the post.

In Spain, where I am from, this is the most popular travel insurance company and they have a good reputation (we use Heymondo travel insurance but IATI would be our second option). Over the last few years, they have started to offer their services in other countries and languages so now anyone from all over the world can insure their trips with IATI.

IATI insurance promo code – Get 5% off anytime!

You’ll always find a 5% discount on IATI Travel Insurance in this article. As a reader of this blog, you can use it anytime you need and get your travel insurance at a better price. To take advantage of it, just click the button below to purchase your IATI policy:

A 5% discount might not seem like much at first, but if you’re buying a more expensive policy or traveling as a group, you’ll definitely notice the savings. In any case, it’s always nice to save a little extra.

Now, if you’re wondering whether you might be able to get an even bigger discount, keep reading. You might qualify for 10% off or more depending on the time of year and whether there’s a promotion running. I’ll explain everything in the next section.

Other IATI travel insurance discounts (10%-15%)

As I mentioned earlier, it’s possible to get an even bigger discount on your IATI travel insurance, since the company sometimes runs special promotions where the discount goes up to 10% or even 15%.

I’ll explain when and how to get these higher discounts in the sections below, but here’s a quick overview to make it easier to understand:

• 10% off during the IATI Travel Days (summer).
• 15% off during Easter and Black Friday.

IATI discount code: 10% off in summer (IATI Travel Days)

In summer (usually in July) IATI travel insurance hosts the IATI Travel Days. During this week, the company teams up with other travel-related brands to offer some really great deals.

One of the highlights is a 5% discount on their travel insurance, which can be combined with the regular 5% discount we offer on this blog, giving you a total of 10% off.

If summer is just around the corner and you haven’t booked your travel insurance yet, this is a great time to do it. You’ll get it at a better price!

We’ll update this article as soon as the IATI Travel Days promotion goes live, so you won’t miss it.

IATI discount code: 15% off during Black Friday & Easter

At certain times of the year, IATI offers a 15% discount that’s applied automatically. This promotion usually pops up right before Easter and during Black Friday.

When the Easter or Black Friday deals are live, IATI adds an extra 10% off on top of the regular 5% discount you always get through this blog, giving you a total of 15% off your travel insurance.

Whenever this extra discount becomes available, you’ll find it here on the blog from the very first moment.

Plans offered by IATI travel insurance

IATI offers a wide range of travel insurance plans, making it easy for travelers to find one that fits their specific needs.

Within their standard travel insurance options, you’ll find several plans with different levels of coverage and pricing. Let’s take a look at all the types of insurance IATI has to offer:

• IATI Basic. The most basic and affordable option, perfect for those who want essential coverage.
• IATI Standard. A mid-level plan that provides solid coverage, suitable for peace of mind when traveling to most destinations worldwide.
• IATI Backpacker. Known for its extensive coverage, this plan is ideal for adventurous travelers and includes protection for many adventure sports.
• IATI Star. The most comprehensive plan with the highest level of coverage. It offers maximum peace of mind while traveling. However, if you plan to do more extreme adventure sports, you’ll need to upgrade or choose the IATI Backpacker plan instead.

There is also a trip cancellation insurance called IATI Cancellation Premium. In most cases, you can add cancellation coverage to your IATI policy, but if you want a more comprehensive option, this premium cancellation insurance is very thorough and covers up to €6,000.

In the table below, you can see the main differences between these insurance plans:

	IATI BASIC	IATI STANDARD	IATI BACKPACKER	IATI STAR
Medical assistance	50.000€	300.000€	500.000€	1.000.000€
Dental expenses	100€	350€	350€	500€
Adventure sports	–	–	Included	–
Search and rescue	–	–	15.000€	–
Transport of a relative	420€	750€	600€	1.400€
Convalescence in a hotel	588€	1.050€	840€	1.400€
Theft and damage to luggage	500€	1.000€	1.500€	2.500€
Delay in delivery of checked baggage	90€	120€	300€	300€
Private civil liability	30.000€	60.000€	60.000€	60.000€
Cancellation costs	–	Optional	Optional	Optional

Remember, with my IATI discount, you can get any of these insurance plans 5% cheaper. Just book through the button below, no discount code needed! The discount will be applied automatically.

IATI travel insurance reviews

If you’re not too familiar with travel insurance because you’ve never had to buy it before, you might be wondering whether IATI is a good option. Let me reassure you, it’s definitely a company you can trust to insure your trips!

And it’s not just me saying that. Many other travel bloggers and users feel the same way. Below, you can read a few IATI travel insurance reviews.

As you can see on Trustpilot, a platform where users share reviews about their experiences with different products and services, IATI has a rating of 4.4 out of 5, based on over 3,000 reviews.

Insurance companies don’t usually get great ratings, which makes this score even more impressive. I can personally say that IATI is 100% legit and totally trustworthy but if you’d rather hear it from other travelers, you can check their Trustpilot page and read more IATI reviews.

Anyway, let’s check one positive and one negative review of people making claims:

The positive review says that the person had a good experience using the insurance because he/she had a sinusitis during a trip to Indonesia. IATI made sure the client didn’t have to pay anything in advance. Communication was clear.

The second scenario shows a potential gap in communication or misunderstanding about what the policy covered. The policy holder in this case filed a claim about a cancelled trip; however, the cause of cancellation wasn’t included on his policy.

I recommend reading your policies terms and conditions to see all the reasons covered to receive compensation for trip cancellation.

Many of the negative reviews are related to flight issues. That being said, please keep in mind that, in most cases, it’s the airlines responsibility to compensate any flight-related financial loss.

Why you should travel with IATI travel insurance

There are several reasons why I think IATI travel insurance is a great option for your next adventure beyond just its comprehensive coverage. Here are a few things I like about IATI:

• Easy to purchase. Their website is very user-friendly and intuitive making purchasing a travel insurance policy very easy. You will find all the information related to your policy straight away.
• No money up front. If you need to make a claim and need medical assistance, rest assure that you will not have to pay a single penny out of pocket. IATI travel insurance will take care of all medical cost. Keep in mind that is necessary to contact the insurance before seeking medical attention in order to avoid paying upfront.
• 24/7 customer service in your language. This is another very important aspect to consider when purchasing travel insurance. IATI has a team of experts ready to take care of you anytime, anywhere.
• IATI travel insurance app. They offer all its clients and exclusive app from which you can make claims, calls and review your policy. This comes in handy when traveling and you do not have data service. You will be able to make calls through wifi if you do not have cellphone service.
• Long experience. As mentioned before, the company has a vast history which dates back to the 1800’s. This means that they have an experienced team ready to help you at all times.

What to keep in mind when buying IATI travel insurance

If you decide to protect your trip with IATI travel insurance, you can travel with peace of mind knowing that you’re well covered in terms of health and safety. However, there are a few important things I recommend keeping in mind when choosing your policy to avoid any surprises later on.

Here’s what you should consider when booking your travel insurance:

• Make sure your policy includes solid medical coverage. I’d recommend at least €250,000 in medical assistance coverage. And if you’re traveling to countries like the U.S. or Canada, the more, the better. It may seem like a lot, but medical treatment abroad (especially in certain countries) can be incredibly expensive, and it’s always better to be safe than sorry.
• Check if there are any age restrictions. Some insurance companies don’t allow travelers above a certain age to purchase specific policies. If you’re a bit older, take a close look at the age limits for the plan you’re interested in. In IATI’s case, the only policy with an age limit is IATI Backpacker, which is capped at 70 years old.
• If you have pre-existing conditions, read the terms carefully. If you’re worried about a health issue during your trip, make sure to check how your chosen policy handles this. With IATI, urgent cases involving pre-existing conditions are covered for the first 24 hours after being admitted to a medical center.
• Be clear on the kind of activities you’ll be doing. Some adventure sports aren’t covered under standard policies and require special coverage or add-ons. This typically includes high-altitude trekking, canyoning, winter sports, and others. Make sure your plan includes coverage for any high-risk activities you’re planning.
• Compare all the policies before choosing. Take your time to see which plan best fits your trip and needs. Reading the fine print is key to avoiding unpleasant surprises later.
• Keep your policy number easily accessible. The last thing you want in a stressful situation is to be digging through old emails to find your insurance info. I recommend saving your policy number in your phone notes or somewhere easy to reach.
• If you’re using an eSIM and don’t have cell service to make calls, use the IATI app. You can call directly through the app using Wi-Fi and avoid international calling charges. Even if you do end up paying for a call, IATI will reimburse the cost as long as you provide the invoice.
• To avoid paying medical expenses out of pocket, contact IATI before receiving treatment. They’ll arrange your visit to a medical center so you don’t have to pay upfront. Of course, if it’s a real emergency and you need immediate attention, go to the hospital right away. Just make sure to keep all the receipts and documentation so IATI can reimburse you for any covered expenses.

How to purchase your policy with the IATI promo code

If you’ve never purchased travel insurance before and need help doing so, don’t worry, I will guide you step by step on how to purchase IATI travel insurance. Click on this link (to get your IATI discount!) and follow the steps below to purchase your plan.

1. Once you are on IATI’s homepage, begin entering your trip information and country of residence. On the last tab, you can select which type of insurance you want to purchase (travel insurance, cancellation insurance, etc.). Once you’ve entered all the information required, click on “get quote”.

2. You will be taken to a page where you can view all the plans available for your trip. IATI insurance offers up to 4 plans. In this section, you can select up to 3 plans and compare their coverage. You will notice that a the discount is automatically applied (you don’t need to add a promo code). Once you’ve found the plan that best fits your trip, click on “contract”.

3. Once you do so, a window will pop up displaying different add ons you can purchase with your plan. Depending on the plan you’ve selected, you may see more or less options. Select as many optional add ons as you need and click “continue”.

4. Fill in your personal information and tick the 2 boxes at the bottom of the page and if you wish to receive a receipt, check the box “request receipt” and fill in your information. Then click “continue”.

5. After you’ve completed step three, you will be taken to a page displaying a brief summary of your plan and personal information on the left side and the available payment methods on the right. Select your preferred payment method and click “pay”.

6. You will be directed to a payment portal where you can insert your card information. Once you’ve done so, click “pay”. After you’ve completed all the steps above, you will receive an email with all your policy information. You can later download the IATI app and create an account where you can view your policy and coverage.

Frequently asked questions about IATI and their discounts

In this section, I’ll answer the most common questions about IATI and the discounts you can get on their travel insurance:

Do I have to pay upfront?

Let’s start with one of the most common concerns.

No, if you buy a travel insurance policy with IATI, you won’t need to pay anything upfront for medical assistance, as long as you call IATI first so they can arrange your visit to the medical center. That way, they’ll handle everything for you.

How do I get the 5% IATI discount?

The 5% discount is always available because it’s part of a special promotion offered by travel blogs and content creators through IATI’s affiliate program.

There’s no promo code. The discount is applied automatically when you book through the right link. Just click here to go to the IATI website and purchase your policy.

You get your insurance for less, and we receive a small commission, which helps us keep this travel blog running.

When is the 15% IATI discount available?

Good news! There are times when IATI increases their discount to 15%. This happens when they offer a 10% promotion, which stacks with the usual 5% affiliate discount.

These bigger discounts usually pop up around Easter and Black Friday. We’ll keep this post updated so you’ll always know when they’re live.

Are there discounts for groups of friends?

You may have read elsewhere that there are discounts for groups of friends, but I got in touch with IATI and they confirmed that this type of discount is no longer available.

How can I contact IATI travel insurance?

If you run into any trouble during your trip and need to reach IATI, you can contact them by phone, WhatsApp, email, or via their app. Their customer service is available 24/7—and always in Spanish.

Now that you have read my review on IATI travel insurance, it’s time to continue planning your trip!

I hope this post has helped you know more about IATI insurance. Traveling with insurance doesn’t add a lot of expenses to your budget, if you’re unlucky, it can actually save you a lot.

Before you go, make sure to check out my roundup of current travel deals to help you save even more on your next adventure.

If you have any questions or concerns, I encourage you to leave a comment or email me. Hope you got to use the IATI insurance promo code!