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IATI Reviews: customer experiences with their travel insurance

Before buying a travel insurance policy, it helps to read what other travelers have to say. At OpinionesIATI.com we collect and organize reviews and experiences from people who have purchased IATI insurance, sorted by incident type, so you can decide with more information.

Independent site · not affiliated with IATI Reviews classified by category No fabricated data

Latest reviews received (89)

Medical assistance

New arrivals from India

📅 2026-09-23
★★★★★

My partner and I were travelling round India for about 17 days, including flights and so on, and my partner came down with indigestion, so we had to go to hospital and she was admitted for 24 hours, as there was no way to get in touch with IATI’s assistance service. Now, from Spain, we’ve managed to contact them, but they won’t cover the costs because we don’t have the supporting documents they’ve asked for. If this ever happens to you, make sure you ask the doctor, hospital or whoever for everything, just in case – and even then, you’ll see how it goes.

By Abel
Medical assistance

A bittersweet taste, but not too bad

📅 2026-09-09 🌍 Thailand
★★★★★

On my trip to Thailand with my partner, we had to go to hospital because of food poisoning; we had trouble getting in touch with IATI, which meant we had to pay the hospital bill up front. After we managed to get in touch with IATI and submit the expenses to them, there were some things they refused to cover, such as the initial consultation and first-aid treatment, although they did cover the overnight stay. Well, that’s what I wanted to share.

By Abel
Medical assistance

Waiting for the refund

📅 2026-09-05
★★★★★

My wife, my two children and I went on a trip, and our youngest had a minor operation. After speaking to IATI on the phone and having to pay the money up front, two months on I’m still waiting for them to reimburse us. On the phone they say everything is in order, but there’s no way of getting the money back.

By Juan L.
Refunds

Reembolso de 250 € pendiente

📅 2025-12-16 🧾 Seguro / asistencia
★★★★★

Mi madre lleva desde diciembre esperando un reembolso de 250 euros sin solución.

By Luciana Azcoitia
Cancellation

Cancelación por bronquitis

📅 2025-11-12 🧾 Seguro de viaje
★★★★★

No pude viajar por una bronquitis y mi solicitud fue rechazada; además tuve problemas con la web para presentar la documentación.

By Mariano Calzada
Communication

Problema con el sistema de pago

📅 2025-08-29 🌍 España 🧾 Seguro de viaje
★★★★★

No pude completar el pago online con dos tarjetas después de rellenar los datos de contratación.

By Andreas

View all reviews →

Common situations with an IATI travel insurance

While we wait for the first traveler reviews to come in, we have documented the most frequent scenarios when buying and claiming with a travel insurance. These are generic reference cases, not individual experiences of specific customers.

Medical assistance

Urgent medical assistance abroad: key points to review

🌍 Common in intercontinental trips 🧾 Applicable to most policies

In case of an incident such as food poisoning or a minor accident, it is advisable to know in advance the 24-hour assistance number, whether prior authorization is needed to attend a private clinic, and what documentation (medical reports, original invoices) must be kept to justify the expense.

Common situation · Informational content See what to check →
Cancellation

Trip cancellation: what documentation insurers usually require

🌍 Applicable to any destination 🧾 Policies with cancellation coverage

When something prevents the trip from taking place, the insurer usually requires specific supporting documents depending on the reason (medical report, official company communication, police report, etc.). Notice and documentation deadlines vary by policy.

Common situation · Informational content See what to check →
Baggage

Baggage delay or loss: how to act at the airport

🌍 International flights 🧾 Applicable to most policies

When baggage is delayed, stolen or lost, the first step is usually to file a Property Irregularity Report (PIR) with the airline before leaving the airport. Keeping receipts for basic necessities and reviewing the policy's reimbursement limits are standard steps.

Common situation · Informational content See what to check →
Exclusions

Sport activities and altitude: common exclusions in standard policies

🌍 Destinations with altitude or nature 🧾 Requires extended coverage

Activities such as high-altitude trekking, scuba diving or adventure sports are usually excluded from standard policies. Before buying, review the list of covered activities and consider whether you need a product with extended coverage.

Common situation · Informational content See what to check →
Communication

Contact channels with the insurer during an incident

🌍 Destinations with different time zones 🧾 Any type of policy

During an incident abroad, having several contact channels —24-hour phone, chat, email or app— makes handling easier, especially when there is a significant time zone difference. It's useful to write down the assistance channels before departure.

Common situation · Informational content See what to check →

Have you experienced any of these situations with an IATI insurance?
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What do IATI customers say?

Statistics calculated exclusively from the reviews published on OpinionesIATI.com. Automatically updated with every new approved review.

1.7★★☆☆☆
Average rating (1-5)
89
Published reviews
9%
% would recommend IATI
Medical assistance
Most mentioned category (23)

Based on reviews published to date. We consider "would recommend" the ratings of 4 or 5 stars.

Issues and complaints mentioned by travelers

These categories are not proven issues of IATI: they simply help classify the experiences that users share on the portal. Each case depends on the specific product purchased and the particular circumstances.

  • Medical expenses

    Healthcare, emergencies, hospitalization, medication and repatriation.

  • Trip cancellation

    Refunds for covered reasons, supporting documents and required paperwork.

  • Baggage

    Loss, theft or delay of baggage and applicable compensations.

  • Delays

    Transportation delays, missed connections and associated coverage.

  • Assistance during the trip

    Contact with the insurer, medical hotline and incident management.

  • Refunds

    Resolution times, amounts paid and reasons for denial.

  • Communication

    Contact channels, response times and clarity of information.

  • Exclusions and conditions

    Pre-existing conditions, sports, limits and policy fine print.

Before buying an IATI insurance

These are the aspects to review before buying any travel insurance, not just IATI. Checking them beforehand helps avoid surprises and choose a product suited to your trip.

  • Coverage limits for medical assistance, baggage or cancellation.
  • Deductibles applicable to each guarantee.
  • General and particular exclusions of the policy.
  • Pre-existing conditions and how they are treated in the contract.
  • Sport activities included or excluded (hiking, diving, skiing, etc.).
  • Cancellations: covered reasons and required documentation.
  • Documentation needed to file a claim (invoices, reports, police statements).
  • 24-hour assistance procedure and contact channels.
  • Reimbursement conditions: deadlines, amounts and payment method.

Frequently asked questions about IATI

Guidance answers based on how the travel insurance market usually works.

What reviews are there about IATI?

Reviews of IATI vary: some travelers share positive experiences with medical assistance or cancellation handling, and others describe issues related to required documentation or response times. The experience depends on the product purchased, the destination country and the specific incident. At OpinionesIATI.com we collect individual experiences so you can compare before deciding.

Is IATI a good travel insurance?

There is no universal "best insurance": suitability depends on the type of trip, destination, activities, age and coverages purchased. We recommend reviewing the general terms, comparing limits, deductibles and exclusions, and reading experiences from travelers who have had incidents similar to yours.

What does an IATI travel insurance policy cover?

Coverages depend on the specific product and modality. Travel insurance usually includes medical assistance, repatriation, baggage, cancellation and civil liability, always with specific limits, deductibles and exclusions. To know exactly what your IATI policy covers, review the general and particular terms of the contract.

How does an IATI claim work?

The usual procedure is:

  • Notify the insurer as soon as the incident happens through the phone or channel indicated in the policy.
  • Keep all supporting documents (invoices, medical reports, police reports, boarding passes, etc.).
  • File the claim following the deadlines and documentation requirements set by the insurer.
  • If you are not satisfied with the outcome, escalate to the Customer Service department and, if applicable, to the corresponding insurance regulator.
What should I check before buying IATI?

Before buying, check coverage limits and sub-limits, deductibles, exclusions, treatment of pre-existing conditions, sport activities included, cancellation coverages, documentation required in case of a claim and the 24-hour assistance procedure.

Where can I read IATI customer experiences?

At OpinionesIATI.com/en/reviews we gather experiences classified by incident type (medical assistance, cancellations, baggage, refunds, etc.). We are an independent portal and not affiliated with IATI.

Have you purchased an IATI insurance? Share your experience

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