Ageas Seguros
Ageas Seguros is a travel insurance for the PT market with no online purchase and 24/7 assistance.
Direct payment
The insurer coordinates and pays assistance services directly through its travel assistance network. For reimbursement coverages (treatment expenses, baggage), the insured must submit receipts after the event. Payment via SIBS reference (Multibanco), direct debit or, through a broker, card or MBWay.
Geographic scope
PT
Worldwide – valid anywhere in the world ("produz efeitos em qualquer parte do mundo")
Unique selling points
- Worldwide accident indemnification with insured capital options up to €250,000 or more, tailored to the traveller's needs.
- 24/7 dedicated travel assistance helpline (213 102 450) available at all times during the trip for immediate emergency support.
- Flexible per-trip coverage contractable for the exact duration needed, from 1 day up to 60 days, with a single premium payment.
- Multiple plan tiers (Viagem Jovem, Base, Económica, Mais, Executivo) including options for baggage, personal liability up to €75,000 and hospitalization daily benefit in the top-tier Executivo plan.
- Ageas Seguros is a multi-award winning insurer recognised as Superbrands, Marca 5 Estrelas (9th time) and Marca Excellentia (3rd time) in Portugal.
Coverage limits
Treatment Expenses
Optional
Covers medical, surgical, pharmaceutical and hospital treatment expenses incurred as a result of an accident during the trip. Available as a complementary coverage in multiple plans (Viagem Jovem, Viagem Mais, Viagem Executivo). Range: €1,250 to €5,000 depending on chosen capital option.
Emergency Medical Treatment
Optional
Emergency medical treatment is covered under 'despesas de tratamento' (treatment expenses) for accidents during the trip. No separate emergency medical treatment limit is stated in the sources beyond the treatment expenses range of €1,250–€5,000.
Hospitalization Daily Benefit
Optional
Daily benefit in case of hospitalization, available only in the Viagem Executivo plan. The rate is €25/day (option A) or €50/day (options B–I). Also available as 'incapacidade temporária absoluta só em caso de internamento hospitalar' in complementary coverages.
Outpatient Treatment
Not offered
Outpatient treatment as a standalone coverage is not explicitly distinguished from general treatment expenses in the policy documents. No separate outpatient treatment benefit is defined.
Emergency Dental
Not offered
Emergency dental coverage is not explicitly mentioned in any of the verified source documents for this product.
Travel Assistance (includes medical transport)
Optional
Travel assistance coverage is available as an additional coverage in the Viagem Executivo plan ('Conforme Condição Especial'). Specific sub-limits for medical transport within travel assistance are not stated in the available documents.
Medical Evacuation (via Travel Assistance)
Optional
Medical evacuation may be included within the travel assistance additional coverage available in the Viagem Executivo plan ('Conforme Condição Especial'). No specific limit is stated in the IPID documents.
Repatriation of Remains (via Travel Assistance)
Optional
Repatriation of remains may be covered under the travel assistance additional coverage in the Viagem Executivo plan. No specific limit is stated in the IPID documents.
Search and Rescue
Not offered
Search and rescue coverage is not explicitly mentioned in any of the verified source documents for this product.
COVID-19 Treatment
Not offered
COVID-19 treatment is not explicitly mentioned or covered as a specific benefit in any of the verified source documents for this product.
Pre-existing Conditions
Excluded
The policy is structured as a Personal Accidents (Acidentes Pessoais) product and covers accidents only. Pre-existing medical conditions are not a covered benefit. The insured is obliged to declare all circumstances known at the time of contract before inception, and omissions may lead to cancellation or reduced coverage.
Winter Sports Cover
Not offered
Winter sports cover is not mentioned in the verified source documents. Amateur sports practice is a relative exclusion by default unless expressly agreed otherwise.
Adventure / Sports Cover
Conditional
Amateur sports practice is a relative exclusion by default ('Exclusões relativas'). It may be covered if expressly agreed ('salvo expressa convenção em contrário'). This requires a specific endorsement.
Pregnancy Complications
Excluded
Accidents and consequences due to pregnancy or childbirth are explicitly listed as general exclusions and are never covered under this policy.
Personal Liability (Responsabilidade Civil)
Optional
Personal liability coverage is available as an additional coverage in the Viagem Executivo plan. Capital options range from €25,000 (options A–C) to €75,000 (options G–I).
Legal Assistance
Not offered
Legal assistance is not explicitly mentioned as a standalone coverage in any of the verified source documents for this product.
24/7 Travel Assistance
Optional
24/7 travel assistance is available as an additional coverage in the Viagem Executivo plan ('Conforme Condição Especial'). The insurer's helpline (213 102 450) is available 24 hours a day for emergency support. Accidents must be reported by telephone within 8 days maximum.
Key conditions
Assistance call deadline
Accidents must be reported by telephone to the Travel Assistance line (213 102 450) within a maximum of 8 days from occurrence. For fatal accidents, immediate reporting is required.
Unauthorized treatment
Treatment received without prior authorization from the travel assistance line may result in reduced reimbursement or denial of coverage. The insured must follow healthcare professional prescriptions and advice.
Purchase while abroad
The policy must be purchased before travel begins. The coverage applies during the trip itinerary as specified in the Particular Conditions. Accidents occurring outside the planned itinerary are excluded, except in cases of force majeure.
Chronic conditions
Chronic diseases are not specifically addressed as a covered benefit. The product covers accidents only. Consequences of pre-existing or chronic conditions are not covered unless they result directly from an accident during the trip.
Pregnancy
Accidents and consequences due to pregnancy or childbirth are explicitly excluded as general exclusions and are never covered under this policy.
pre_existing_conditions
Pre-existing conditions are not covered. The policyholder and insured persons are obliged to declare all known circumstances significant for risk assessment before the contract is concluded. Deliberate omissions may lead to policy annulment. Negligent omissions may result in proportional coverage reduction or policy termination.
coverage_duration_limit
The policy duration is as specified in the Particular Conditions / Policy Receipt. Coverage can be contracted for the period needed, up to a maximum of 60 days. Policies for a fixed term expire at 24:00 on the last day and do not automatically renew if the initial period is less or more than 1 year, unless otherwise agreed.
Where to buy
Documents
Policy specifics
Medical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospital expenses incurred as a result of an accident during the trip. Available as a complementary coverage (despesas de tratamento) in Viagem Jovem, Viagem Mais and Viagem Executivo plans, with capitals from €1,250 to €5,000.
Baggage loss coverage
Baggage protection is an additional coverage available only in the Viagem Executivo plan. Capital options range from €250 (option A) to €2,500 (options H–I).
Flight delay compensation
Flight delay compensation is mentioned on the product marketing page as a benefit ('em caso de atrasos no voo'). However, no specific capital or limit is stated in the verified IPID or pre-contractual documents. It may be covered under the travel assistance special condition.
Passport theft assistance
Passport theft assistance is mentioned on the product marketing page as a benefit. However, no specific capital or limit is stated in the verified IPID or pre-contractual documents. It may be covered under the travel assistance special condition.
Accident indemnification worldwide
Core coverage of the product: indemnification in case of death or permanent disability resulting from an accident anywhere in the world during the trip. Capital options range from €25,000 to €250,000+ across all plans.
Flexible travel duration coverage
The insurance can be contracted for the exact period needed, up to a maximum of 60 days. The premium is a single payment due at contract inception.
Transport coverage scope
Coverage includes all transport means: cars, ships, cruises, trains, buses. Excludes two or three-wheeled motorised vehicles and quad bikes. Use of two-wheeled motorised vehicles is also a general exclusion.
Accident reporting deadline
Accidents must be reported by telephone to the Travel Assistance line (213 102 450) within a maximum of 8 days. Fatal accidents must be reported immediately. Travel accident claim form must be submitted within 24 hours of knowledge of the event.
Worldwide coverage validity
The insurance is valid anywhere in the world ('produz efeitos em qualquer parte do mundo'), subject to coverage applying during the trip itinerary stated in the Particular Conditions. Accidents outside planned itineraries are excluded except in force majeure.
24-hour travel assistance availability
The Travel Assistance line is available 24 hours per day for emergency support during travels. Contact number: 213 102 450. The insured must identify the policy holder name, policy number, location, telephone contact and type of assistance needed.
Exclusions present in policy
General exclusions include: intentional acts, suicide, intoxication, gross negligence, industrial work activities, deliberate transport regulation violations, use of two-wheeled motorised vehicles, natural catastrophes and radioactive materials, actions by beneficiaries, accidents outside planned itinerary, sunstroke/freezing/rheumatism/hernia/muscle ruptures, pregnancy and childbirth, purely psychic effects of transport. Relative exclusions (waivable): amateur sports, non-commercial aircraft, war/terrorism/public disorder.