The IATI Standard is the most sought-after policy among travelers who want a well-balanced plan with coverages that guarantee a smooth trip, without needing to go up to the highest limits on the market of IATI Estrella. It’s a great value policy that might be the one that best fits your next trip.
But how do you know if it’s enough or will fall short? Are there other options? How much is it? What does it cover? In this guide we’re going to tell you everything in detail and you’ll also get the 5% discount on IATI Standard you’re looking for.
If you don’t know us, we’re a couple who’ve been roaming the world for the last 10 years. Unfortunately (and fortunately for you because we speak from real experience) we’ve had to use insurance many times and can give you all those tips we wish we’d known. We’ll explain everything, but if you still have questions at the end, don’t hesitate to ask whatever you need.
IATI Standard Discount
You may have landed here simply searching for the IATI Standard Discount.
If that’s the case, if you don’t want the details of this policy because you already know it’s the one you need, and you want to go straight for your 5% discount on IATI Standard, don’t wait any longer and click here:
(by clicking the links in this guide you’ll go straight to the 5% discount activated for the Standard and others we’re going to show you)
That easy!
IATI Standard: why get it
When travel insurance first started out, there were very few companies offering it and each had a single option. Whether you were going for a weekend in Rome or a month in the Himalayas, the policy they offered was the same. This meant that in some cases people paid for cover they didn’t need and, in others, they traveled without having everything covered. IATI was the first company to start creating these personalized policies and one of the first was IATI Standard. It now helps thousands of travelers every year discover the world in the best hands because it’s the ideal policy for a large number of countries.
Broadly speaking, these are some of its main coverages. We’ll show them in detail below:
- Outstanding value for money: One of the things that stands out most about IATI Standard is its price. Wherever you go, you’ll see that this insurance ends up being a tiny part of your budget. This is one of the reasons why so many travelers always choose it.
- Great medical coverage: It’s designed for destinations that aren’t among the “most expensive in the world” (such as the United States) but still offers great coverage of up to 1,000,000 euros. In our case, we were hospitalized for 3 weeks in Manila and the bill exceeded 25,000 euros. Just to show how necessary it is to travel covered.
- Optional Cancellation: Nowadays we all add the Trip Cancellation Add-on to recover our money if we finally can’t travel. The one that goes with IATI Standard covers up to 2,000 euros. It guarantees you’ll get back what you’ve invested and gives us great peace of mind.
- Baggage damage and theft: Insurance isn’t only for health. We’ve lived through countless situations where it helped us. For example, IATI Standard includes 1,000 euros focused exclusively on theft and baggage damage so you can travel more relaxed. It covers many more things you’ll see now.
- Delay reimbursement: Whether your means of transport is delayed or you have to wait hours for your baggage to arrive, you’ll have coverage up to 180 euros.
- COVID covered: We’ve lived through this too, so we can assure you it’s key. Having COVID cover means that if you get it during your trip you can also have assistance, detection tests, hospitalization or even, very importantly, trip extension if a mandatory quarantine prevents you from returning home.
- Road accidents: This matters in many countries, and IATI Standard covers it. If you have an accident aboard a motor vehicle (car, motorbike, bus, van, etc.) your medical assistance will also be covered, whether you’re driving or a passenger.
- Free assistance: From the app and WhatsApp you can request assistance instantly, super easily.
- 24/7 support in your language, wherever you go.
- No advance payments and no deductibles. The insurer pays from the first to the last cent.
There are many more and in the next section we’ll detail them, but as you can see, IATI Standard with discount is a super complete policy with more than enough coverage for most destinations. But watch out, we’ll also tell you now which destinations we don’t recommend it for.
Price of IATI Standard with Discount
The price of IATI Standard with discount is one of the main reasons to choose it. Besides having coverages that suit most destinations, it comes with a very low price.
If it’s already a policy that isn’t expensive at all, adding the 5% discount on IATI Standard makes it almost hard to believe it can cost so little. As with all policies, the price varies slightly depending on the country you’re going to, but to give you an idea, here’s an example of IATI Standard for a trip to the United Kingdom:
7 days: €21.24 – With the IATI Standard discount: just €20.18
14 days: €33.44 – With the IATI Standard discount: just €31.77
21 days: €46.15 – With the IATI Standard discount: just €43.84
See how, thanks to the IATI Standard discount, the policy—even for 3 weeks—ends up costing much less than a single night’s accommodation? But the best part is that it will also save you thousands of euros if you face incidents like the ones we’ve had to deal with. Don’t think twice—please travel insured!
How to buy your IATI Standard with discount
Buying IATI Standard with discount is very simple if you follow these steps we show here. It’s important you know that if you don’t do it this way and go directly to the IATI website without coming in through these links, you’ll pay more because the standard discount won’t be activated.
1) Click here to access the IATI website with the discount activated: Standard Policy Discount.
If you want, you can also use this menu here, which will take you to step 3 with your discount already activated:
2) Complete the form fields:
· Origin of your trip
· Destination of your trip
· Start and end dates
· Type of insurance: Select “Travel”
· Number of travelers
Now click “Calculate your insurance”
3) You’ll now see the different options available. IATI Estrella is the policy with the highest coverages on the market since it has unlimited medical-expense coverage—awesome! IATI Mochilero, in addition to a huge 600,000‑euro coverage, has the best Adventure Sports Coverage on the market. We talk about them in detail here:
– IATI Mochilero Discount: information and details.
– IATI Estrella Discount: complete guide.
If in your case you want a policy without these higher coverages, click on IATI Standard (you’ll see the real price crossed out and the discounted price below) and then click “Buy”.
4) Choose your add-ons. You have two major options.
- Trip Cancellation add-on: If you add it, you can recover up to 2,000 euros if you cancel your trip for any of the many covered reasons—from getting sick before traveling to work issues. It’s totally worth it and has helped many of you recover thousands of euros.
- Air Help: Ideal for recovering up to 600 euros in case of flight cancellations or delays. They help you with everything!
5) Now all that’s left is to fill in your personal details and make the payment. You’ll immediately receive an email with your policy and the contact details for any assistance you might need.
See how easy it is to get the IATI Standard discount?
IATI Standard reviews – When we do NOT recommend it
Travel is our life, and because of that we’ve often had to face illnesses, accidents, baggage issues, flights… Unfortunately, we’re experts in this kind of thing. In our travel résumé we’ve got:
– A couple of dengue cases
– COVID
– Hospitalizations lasting several weeks
– Surgeries
– A motorbike accident
We’ve detailed some of these assistance cases here so you have all the information: IATI Insurance reviews.
Having used it so much and in so many countries, we can tell you we don’t recommend this policy for just any trip. Not this one nor any other! Each trip requires a specific one, and whoever tells you a single policy is perfect for any country… is lying. It’s not good to fall short on coverage nor to pay for cover you don’t need.
Thus, IATI Standard is an ideal policy for countries like France, the United Kingdom, Italy, Portugal, Germany… In general, getting IATI Standard with discount is 100% recommended for Europe and for short getaways.
In these other cases, we recommend the following options:
Trips to expensive destinations
There are destinations where the cost of living makes healthcare expenses skyrocket. If the time we were hospitalized for 3 weeks and had two surgeries had been in the United States, the medical expenses would have multiplied by at least 20.
That’s why, for this type of destination, there’s no doubt the policy to choose is this one: IATI Estrella.
We strongly recommend it for destinations such as: the United States, Japan, Canada, special trips like Antarctica, or any trip in which you want the maximum protection that comes with traveling with unlimited medical-expense coverage.
More adventurous / backpacking trips
The best‑selling travel insurance is IATI Mochilero and it’s the one we use on 90% of our trips for three reasons:
- Medical coverage is huge: up to 600,000 euros, since the enormous limit offered by IATI Estrella is something you very rarely end up needing.
- Best value for money: No doubt here. What it offers and what it costs make it the best.
- Includes adventure sports: And no, we’re not talking about something “unusual” like skydiving. This includes things like trekkings, bike routes, kayaking or even snorkeling. If something happens without this coverage, you’re in trouble.
It’s the policy we recommend for much of the world: Southeast Asia, South America, the vast majority of African countries, Oceania…
For the small price difference, it’s worth paying a bit more and getting it. The 5% IATI Standard discount also works with all these links for Mochilero and Estrella.
For long trips
Each of these 3 policies is ideal for different destinations—always speaking about “normal” trips of up to several weeks. If you’re planning long trips, then you have to choose between the following two options. They’re explained in detail here: Long-stay insurance.
· IATI Annual Multi-trip: Best for trips of up to 90 days within one year. For those who travel several times for up to 3 months.
· IATI Grandes Viajeros: For great trips of up to one year in duration.
These two policies are designed for long trips and that makes their price drop a lot. The discount is also available for both when you click through their links.
IATI Standard – What it covers
We’re like you. We like to look closely at the coverages insurance policies have before buying them. It can be a bit tedious sometimes, but since we’ve done it so many times, we’ve prepared this summary with everything you need to know, with which we wrap up this Standard Policy Guide + Discount:
| IATI Standard | COVERAGES |
| Standard Discount Price 7 days | €20.18 |
| Standard Discount Price 14 days | €31.77 |
| Standard Discount Price 21 days | €43.84 |
| Medical expenses | 1,000,000 euros |
| Trip cancellation | 2,000 euros |
| Repatriation | Included |
| Travel of a family member | 750 euros |
| Theft and baggage damage | 1,000 euros |
| Departure delay (transport) | 180 euros |
| Delay in delivery of checked baggage | 120 euros |
| Road accidents | Included |
| Shipment of medicines | Included |
| Civil liability | 60,000 euros |
Great medical coverage at a very good price
Thanks to 1,000,000 euros exclusively for medical assistance and its very low price with the IATI Standard discount, it becomes the perfect policy for countless destinations. You’ll have access to the best hospitals and specialists and even in COVID cases you’ll be in the best hands.
You pay nothing and they cover everything
There are many insurers, especially private health insurers, that force you to pay any assistance you receive abroad. Then you have to start a load of heavy paperwork to get reimbursed. If that had happened to us in Manila, we’d have had to pay over 20,000 euros not knowing if we’d get it back. But with IATI Standard it’s much easier. When you contact them, they direct you to the most convenient medical center and take care of all the costs of the visit, but also hospitalizations and medicines, which can be very expensive.
Another very strong point, unlike other Spanish travel insurers, is that it has no deductibles. Many companies hide this in the fine print to make their prices look better and then force you to pay part of any care you receive (usually between 80–100 euros). With IATI Standard you’re covered from the very first cent.
24/7 assistance, in your language and free
While it’s daytime here, it’s nighttime on the other side of the world and private insurers close their offices and won’t assist you. In contrast, with a policy like this you’ll have assistance available 24 hours a day, even on holidays.
Getting in touch, besides being intuitive, is free through the app, WhatsApp and email. You can also do it by phone and they’ll refund the cost of the call afterwards. For years we’ve preferred doing it via Skype since the call costs just a few cents and then we forget about it.
Another important thing is the language. If you have to ask for help in a language you don’t master, it can mean a loss of time and very valuable details. Here you’ll always be assisted in your language. They even arranged a translator for us via a tablet during a visit to a hospital in Japan.
Truly designed for travel
A simple private health insurance isn’t enough to go traveling, and even the Ministry of Foreign Affairs emphasizes this on its website. You need travel insurance that also offers coverage for all those things that can happen abroad. In that sense, with IATI Standard you’ll have on your side things like:
– Travel of a family member: 750 euros
– Convalescence in the hotel: 1,050 euros
– Shipment of medicines abroad: included
– Repatriation: included
– Early return: 500 euros
– Theft and baggage damage: 1,000 euros
– Loss of travel documents: 150 euros
– Delay in departure of the means of transport: 180 euros
– Delay in delivery of checked baggage: 120 euros
Option to cover the NON-trip
Honestly, one of the main tips we give you is that—whatever policy you choose, whether it’s IATI Standard with discount or another one—always add the Trip Cancellation Add-on. It costs just a few euros more, but if you have to cancel your trip for any of the many covered reasons, they’ll reimburse a lot of money for things like flights, accommodation, booked activities or even rental cars.
Whether you get sick and can’t travel, a direct family member does, problems arise at home or at work, or many other cases, it’s the add-on that should never be missing.
Injuries in motor‑vehicle accidents covered
Last but not least, the coverage for Bodily injury due to an accident in a motor vehicle. With it—which is included in IATI Standard—you ensure that if you suffer an accident in a car, motorbike, bus, etc., your assistance will also be covered, whether you’re a passenger or the driver.
Unfortunately, as you can see in the photo, we’ve had to use this one too.
Got any questions about IATI Standard? Leave them down below in the comments and we’ll give you a quick hand. We have a lot of experience with this insurance stuff and we’re happy to help.
