IATI travel insurance reviews and promo code

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 tendencies until becoming the company we know today. They take great pride in providing excellent service and the bond they create 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

Over the years, IATI travel insurance has worked with different travel bloggers providing them with a IATI promo code to offer to their readers. Therefore, as a reader of this blog, you can benefit from a 5% discount on IATI.

You simply have to purchase your policy through the following button to get the special price:

On some occasions, there is a 15% promo code on IATI (instead of 5%). This usually happens during Black Friday, Easter and sometime in the summer.

Why traveling with IATI travel insurance

There are several reasons why I think IATI travel insurance is a great option for your next adventure besides having comprehensive coverage and covering COVID-19. Below, I’ll list a few characteristics about IATI that I like:

• 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.

Insurance plans offered by IATI

IATI travel insurance has different products. They offer 4 types of medical insurances (IATI Basic, IATI Standard, IATI Backpacker, IATI Star) and one cancellation insurance (IATI Cancellation Premium).

Below, you can see a chart of the different plans and how they compare to each other. I’ve arranged the plans from most affordable to most expensive:

As you can see, they have a wide variety of travel insurances and you can choose the plan that best suits your needs.

IATI Cancellation Premium

If you are interested in purchasing an insurance that covers specifically the cancellation of your trip, you can consider this policy: IATI Cancellation Premium. This insurance covers up to 6.000€ for reasons related to these topics: legal circumstances, health circumstances, work reasons and extraordinary reasons. You can refer to this page to see all the reasons listed.

This cancellation insurance can be purchased at any time, but the coverage start date and extent depend on when the trip was booked. There are three scenarios:

• If the insurance is bought on the same day as the trip, all cancellation reasons are covered immediately from the booking date.
• If it’s purchased within 7 days of booking, all cancellation causes are covered after a 7-day waiting period, meaning coverage begins 7 days after the insurance is purchased.
• If the insurance is bought at a later time, only cancellations due to health reasons are covered, and, as with the previous case, the coverage starts after a 7-day waiting period.

-5% OFF on your next policy!

Get it Here!

IATI travel insurance reviews

Since IATI recently started offering their services in other countries outside Spanish-speaking countries, there isn’t much information out there in English. However, there is a Trustpilot page where you can read a huge variety of comments (translated to English) about this company.

As you can see, this insurance company has a rate of 4,4/5 out of more than 2.900 reviews. Not bad!

Examples of IATI insurance reviews

Out of all these IATI seguros reviews, 70% of the people rated 5 stars, 13% of the people rated 4 stars, 3% of the people rated 3 stars, 2% rated 2 stars and 12% rated 1 star.

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.

You can read more reviews on Trustpilot here.

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.

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.

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!