1. Nature of the Service and Acceptance
PAX Assistance provides medical, legal, and personal assistance services exclusively for emergencies arising during international travel. This plan is defined as a travel assistance product and does not constitute international medical insurance, social security, or prepaid medicine.
By paying for the plan or using its services, the Beneficiary confirms they understand and accept these General Conditions. The primary objective is to provide initial recovery to allow the Beneficiary to continue their journey; it is not intended for definitive treatment of long-term or chronic ailments.
2. Validity and Geographical Scope
Start and End: Coverage begins at 00:00 on the date indicated on the voucher and ends at 23:59 on the final date. If purchased while already abroad, coverage begins at the exact time of purchase, subject to a waiting period.
Waiting Period (Carencia): A 3-day waiting period applies to plans purchased at the destination or after a previous plan has expired. Accidents occurring after the purchase are exempt from this period.
Geographical Limits: Plans offer worldwide coverage but expressly exclude the Beneficiary’s country of residence or the country where the plan was issued.
Age Limits: Rights to benefits expire at 00:00 on the day the Beneficiary reaches the age limit specified in the plan (e.g., 85 years).
3. Medical Assistance Benefits
PAX Assistance covers various medical emergencies, provided they are not pre-existing conditions (unless an upgrade is purchased).
Emergency Consultations and Surgery: Includes specialist care, laboratory tests, and surgeries that cannot be postponed until the return home, all of which require prior authorization from the Assistance Services Center.
COVID-19: Coverage includes medical attention, hospitalizations, and mechanical ventilators up to the limit specified in the voucher.
Pre-existing Conditions: Unless a specific upgrade is purchased, coverage for pre-existing or chronic illnesses is limited to the first medical intervention in an acute episode to stabilize the patient.
Medications: Only medications prescribed by the attending physician authorized by PAX Assistance are covered, typically for a maximum of 30 days of treatment.
Dentistry: Limited to emergency pain relief or extractions resulting from trauma or infection.
4. Repatriation and Transfers
Sanitary Repatriation: If the Medical Department determines the Beneficiary cannot continue the trip or requires long-term treatment, repatriation to the country of origin is mandatory. Refusal to be repatriated results in the loss of all plan benefits.
Funerary Repatriation: In the event of death, the plan covers administrative procedures, a mandatory simple coffin for international transport, and transportation to the city of habitual residence.
5. Baggage and Flight Services
Baggage Damage: Compensation is provided if baggage is rendered unusable or locks are tampered with during airline transit.
Delayed Baggage: After 6 hours of delay, the plan reimburses expenses for basic necessities (clothing and hygiene) up to the limit.
Total Loss: PAX Assistance provides supplementary compensation if the airline declares baggage lost and pays an indemnity.
Flight Delays: After 6 consecutive hours of delay, expenses for hotel, meals, and communications are covered.
6. Obligations of the Beneficiary
Failure to comply with these duties may result in the loss of rights to assistance or reimbursement:
Prior Authorization: The Beneficiary MUST contact the Assistance Services Center before taking any initiative or incurring any expense.
Notification Window: All emergencies must be reported within 48 hours of the event.
Documentation: Original receipts, medical reports, and travel documents must be submitted for reimbursement.
Medical Records: The Beneficiary must authorize the release of their medical history to PAX Assistance to evaluate the case.
7. Main Exclusions
The following events are explicitly excluded from coverage:
Chronic or pre-existing illnesses, including symptoms appearing for the first time during the trip.
Events resulting from the use of alcohol, drugs, or non-prescribed medications.
Suicide or self-inflicted injuries.
Participation in criminal acts, fights, or illegal activities.
Pregnancy complications or births (unless a specific upgrade is purchased).
High-risk or professional sports not specified in the plan.
8. Sports Coverage Annex
Amateur Sports: Recreational, non-competitive activities (like gym, swimming, or occasional cycling) are generally covered.
Upgrades Required: Competitive or high-risk sports (e.g., mountaineering above 2,000m, boxing, or professional soccer) require the "Exclusive Sports" or "Exclusive Extreme Sports" upgrade.
What is not covered?
Pax Assistance does not cover:
Chronic or long-term treatments
Routine medical check-ups
Elective or cosmetic procedures
Treatments started before the trip
Conditions related to alcohol, drugs, or illegal activities
Expenses incurred without prior authorization (when contact was possible)
How to request assistance
You must contact Pax Assistance before incurring any expenses, whenever possible
If immediate contact is not possible, the incident must be reported within 48 hours
Failure to contact Pax Assistance may result in loss of coverage
Important notes
Coverage cannot be transferred or combined with other Pax Assistance plans
Coverage periods cannot overlap
If coverage is renewed, any previously treated condition will be considered pre-existing
Benefits and limits depend on the specific plan shown in your voucher