AIG Travel insurance (Individual Travel)
Underwritten by AIG Europe S.A. · Portugal
travel insurance from AIG for the Portugal market, with 24/7 assistance.
Last verified Aug 27, 2026Sources
Key facts
- AIG
Unique selling points
24/7/365 multilingual assistance center pays hospitals directly, so the insured never has to advance funds for hospitalization.
Dedicated mobile app and assistance website (aig.com.pt/travelguard) provide real-time medical referral and repatriation coordination.
Standard accident cover extends to amateur sports of any kind (excluding bullfighting and dangerous-animal hunting), plus terrorism, natural catastrophe and war-risk causes as built-in inclusions rather than costly add-ons.
Single annual policy automatically covers unlimited business trips up to 180 days and leisure trips up to 60 days, with no need to notify the insurer before each trip.
Worldwide search-and-rescue cover up to €25,000 is included as standard within the assistance package.
Coverage limits
Medical Expenses Abroad
Covered
No limit stated
Reimburses necessary medical, surgical and pharmaceutical costs and medical transport incurred abroad due to an accident or illness during a covered business or leisure trip, as a complement to any social security or other insurance reimbursement. The insured capital for illness-related medical expenses is reduced to €50,000 once the insured person turns 75, unless otherwise agreed in the Special Conditions.
Section: Capítulo II – Termos e Condições Gerais > 3. Caducidade
logo que a Pessoa Segura perfaça 75 anos de idade, o Capital Seguro para Despesas Médicas por Doença é reduzido para 50.000 Euros.
Emergency Medical Treatment
Covered
No limit stated
Covers emergency medical treatment abroad, including medical referral, and the insurer pays hospitals directly so the insured does not need to advance funds.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2. Despesas Médicas e Assistência > 2.1. Despesas Médicas no Estrangeiro
A Seguradora, no caso de hospitalização, efectuará o pagamento directamente ao hospital, sem que a Pessoa Segura tenha que fazer um pagamento antecipado.
Hospitalization
Covered
No limit stated
If continued clinical treatment is needed after returning to Portugal following an accident or illness abroad, the insurer pays reasonable hospitalization costs for up to 90 days, within 1 year of the accident or diagnosis, up to the limit set in the Special Conditions.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.2. Despesas Médicas em Portugal (Hospitalização)
a Seguradora pagará os custos razoáveis e necessários de um internamento hospitalar até ao limite fixado nas Condições Particulares da apólice, na medida em que esses custos forem incorridos no prazo de 1 (um) ano a contar da data do acidente ou do diagnóstico da doença, sendo que o período dos tratamentos clínicos não poderá exceder 90 (noventa) dias.
Outpatient Treatment
Conditional
No limit stated
Outpatient medical expenses are covered subject to minimum thresholds: claims not related to hospitalization under €75 are excluded (business and leisure trips), and illness-related claims under €50 are additionally excluded on leisure trips.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.1. Despesas Médicas no Estrangeiro > Exclusões específicas
Despesas médicas, não relacionadas com hospitalização, inferiores a 75 Euros;
Emergency Dental Treatment
No limit stated
Not separately addressed in the AIG Individual Travel General Conditions reviewed; no explicit emergency dental benefit or limit is stated in the sources analysed.
Medical Transport
Covered
No limit stated
Medical transport costs incurred abroad as part of medical treatment are covered under the Medical Expenses Abroad benefit, for both business and leisure trips.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.1. Despesas Médicas no Estrangeiro
A Seguradora garante o reembolso das despesas incorridas pela Pessoa Segura, durante a viagem de negócios ao estrangeiro, com o pagamento de cuidados médicos, despesas farmacêuticas e transporte médico.
Emergency Medical Evacuation
Covered
No limit stated
The Assistance service organizes and pays for evacuation/repatriation of the insured to the nearest appropriate hospital or to the country of residence, decided solely by the assistance company's medical team. For business trips, total assistance-related costs (evacuation, accommodation, family accompaniment, etc.) are capped at €75,000 per claim and €750,000 per event; no separate numeric limit is stated for leisure trips beyond the Special Conditions.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.4. Assistência
Apenas as autoridades médicas da Companhia de Assistência indicada nas Condições Particulares se encontram autorizadas a decidir sobre o repatriamento, a escolha dos meios de transporte e o lugar de hospitalização... A totalidade das despesas incorridas por estas prestações não pode exceder o limite fixado nas Condições Particulares da apólice (75.000 Euros por reclamação e 750.000 Euros por evento).
Repatriation of Mortal Remains
€7.5K
Covers the cost of repatriating the insured's body or ashes to the country of residence in case of death, plus up to €7,500 for funeral expenses incurred abroad, within the overall assistance limits (business trips: €75,000/claim, €750,000/event).
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.4. Assistência
Ficam garantidos os custos com a realização de Funeral fora do país de residência da Pessoa Segura, até 7.500 euros.
Search and Rescue
€25K
Covers search and rescue costs following an accident or illness during a covered trip, up to €25,000, as part of the Assistance service.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.4. Assistência
São garantidos os custos com a Busca e Salvamento da Pessoa Segura, até 25.000 euros.
COVID-19 Treatment
No limit stated
The AIG Individual Travel General Conditions reviewed do not contain specific COVID-19 provisions or exclusions.
Pre-existing Conditions
Excluded
Excludes medical expenses arising from the consequence or relapse of an illness diagnosed before the cover's effective date, as well as mental illness.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.1. Despesas Médicas no Estrangeiro > Exclusões específicas
Consequência ou recaída de doença diagnosticada anteriormente à data de efeito da cobertura ou de doenças mentais, tratamentos termais, reabilitação, despesas incorridas com diagnóstico ou tratamento de uma situação fisiológica (incluindo gravidez) cuja existência seja conhecida antes da data de efeito da cobertura;
Winter Sports Cover
Conditional
No limit stated
There is no dedicated winter sports section; amateur sports of any kind (e.g. skiing) are covered under the general Personal Accident guarantee, except bullfighting, hunting of dangerous animals, and aerial/motorized activities (hang-gliding, paragliding, parachuting, ultralight piloting), which remain excluded.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 1.3. Indemnização Adicional > Exclusões
Prática ou participação da Pessoa Segura numa prova desportiva amadora que exija o uso de um meio motorizado, terrestre, aéreo ou aquático, nomeadamente: Tauromaquia, Caça de animais ferozes;
Adventure Sports Cover
Conditional
No limit stated
Amateur sports of any kind are covered under the general Personal Accident guarantee (Article 1), except bullfighting and hunting of dangerous animals; professional sports, and aerial/motorized activities such as ultralight piloting, gliding, hang-gliding and parachuting, are excluded.
Section: Capítulo II – Termos e Condições Gerais > Artigo 1º – Âmbito do Contrato
Prática de todo o tipo de desportos como amador (Excepto Tauromaquia e Caça de animais ferozes).
Pregnancy Complications
Excluded
Medical expenses related to maternity after the sixth month of pregnancy or after childbirth are excluded, as are glasses, contact lenses and prostheses of any kind.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.1. Despesas Médicas no Estrangeiro > Exclusões específicas
Despesas médicas relacionadas com maternidade após o sexto mês de gravidez ou após o parto, despesas com óculos, lentes de contacto e próteses de qualquer espécie;
Personal Liability
Covered
No limit stated
Covers the insured's personal civil liability for accidental bodily injury or property damage caused to third parties during a covered business or leisure trip, up to the annual aggregate limit set in the Special Conditions; the insured's partner, children and the policyholder are not considered third parties.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 6. Responsabilidade Civil Pessoal
A Seguradora cobrirá a responsabilidade civil durante uma viagem de negócios sempre que a Pessoa Segura, acidentalmente: Provoque lesões corporais, doença ou morte de um terceiro; ou, Danifique o património de um terceiro;
Legal Assistance
Covered
No limit stated
Covers legal costs to pursue a claim against a third party liable for the insured's bodily injury, illness or death during a trip, plus the costs of a foreign defence lawyer if detained and an advance of bail, up to the limits set in the Special Conditions.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 5. Apoio Jurídico
A Seguradora indemnizará o Tomador do Seguro e/ou a Pessoa Segura, até ao limite fixado nas Condições Particulares da apólice, do custo do apoio jurídico que se mostrar necessário...
24/7 Assistance
Covered
The assistance company operates a multilingual emergency telephone service 24 hours a day, 365 days a year, staffed by qualified medical consultants, plus a mobile app and assistance website (aig.com.pt/travelguard) for medical referral and repatriation coordination.
Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > Companhia de Assistência
A Companhia de Assistência dispõe de um serviço telefónico de emergência operado 24 horas por dia, 365 dias por ano, por assistentes multilingues, e possui uma equipa de consultores médicos qualificados que prestam aconselhamento quanto ao tratamento médico apropriado.
Key conditions
Assistance call deadline
Claims must generally be reported within 15 days of occurrence (unless force majeure applies). For hospitalization, medical treatment or assistance benefits, the insured must contact the AIG Travel Guard assistance line before any intervention; otherwise cover may be reduced or refused.
Unauthorized treatment
If evacuation or repatriation is not managed exclusively by AIG Travel, the insurer's liability is limited to the costs it would have borne had it managed the process itself.
Purchase while abroad
Not addressed in the reviewed sources; the General Conditions do not state whether the policy can be purchased once travel has already begun.
Chronic conditions
Medical expenses arising from mental or nervous illnesses, and from sexually transmitted diseases including HIV/AIDS, are excluded.
Pregnancy
Maternity-related medical expenses are excluded after the sixth month of pregnancy or after childbirth.
Pre-existing condition exclusions
Excludes the consequence or relapse of any illness diagnosed before the cover's effective date.
Coverage duration limit
Business trips are covered for up to 180 consecutive days; leisure trips for up to 60 consecutive days. The policy itself runs for a fixed term of up to 1 year, or for 1 year with automatic annual renewal.
Direct payment
In case of hospitalization, AIG pays the hospital directly so the insured does not need to make an advance payment; other eligible medical expenses are reimbursed retrospectively upon submission of receipts and supporting documents.
Territorial scope
Worldwide, except Cuba, North Korea, Iran, Sudan, Crimea and Syria, unless otherwise agreed in the Special Conditions of the policy.
Documents
Policy specifics
Consecutive travel duration limit
Policy covers all trips during 1 year provided each trip does not exceed 180 consecutive days
SourceSection: Soluções AIG Mission Individual Travel da AIG > O que está coberto?
Garante automaticamente todas as viagens realizadas ao longo do ano, que não excedam os 180 dias consecutivos;
Emergency medical assistance
Coverage for emergency medical assistance abroad including medical referral, emergency evacuation coordination, clinical monitoring abroad, medical consultations
SourceSection: Soluções AIG Mission Individual Travel da AIG > Assistência imediata
Preparação e coordenação da evacuação médica de emergência Acompanhamento e monitorização clínica no estrangeiro Referenciação aquando da necessidade de assistência médica, incluíndo consultas.
No prior travel notification required
Individual Travel automatically covers all trips within the policy year - no need to notify the insurer before each trip
SourceSection: Soluções AIG Mission Individual Travel da AIG > O que está coberto?
Não necessita de comunicação prévia de viagens;
Personal and professional goods coverage
Coverage for both personal and professional goods during trips, including baggage theft and loss
SourceSection: Soluções AIG Mission Individual Travel da AIG > O que está coberto?
Bens pessoais e profissionais garantidos.
Political and social conflicts exclusion
Specific exclusion for losses arising from political or social conflicts
SourceSection: Soluções AIG Mission Individual Travel da AIG > O que está coberto?
Conflitos Politicos e Sociais.
War/terrorism/catastrophe cover, with participation exclusion
The policy explicitly includes terrorism, natural catastrophes and war risk as covered causes of loss; however, if the insured person actively participates in civil war, acts of terrorism/sabotage, riots or popular movements, resulting accidents are excluded.
SourcePage 10Section: Capítulo II – Termos e Condições Gerais > Artigo 1º – Âmbito do Contrato
Nos termos e condições adiante definidos, ficam igualmente cobertos os sinistros decorrentes das seguintes causas: a) Terrorismo; b) Catástrofes Naturais; c) Risco de Guerra;
Assistance center contact requirement
Insured must immediately contact Travel Guard assistance center in case of emergency to activate policy benefits
SourceSection: Soluções AIG Mission Individual Travel da AIG > Sinistros
Sempre que se torne necessário ativar as garantias da apólice e, especialmente em caso de emergência, as Pessoas Seguras devem de imediato contactar a Companhia de Assistência através dos seguintes contactos:
Medical referral requirement
Medical referral through Travel Guard assistance center when medical assistance is needed; hospital admission requires presentation of assistance card with verification by assistance center
SourcePage 14Section: Capítulo III – Riscos Cobertos – Viagens de Negócios > 2.1. Despesas Médicas no Estrangeiro
No caso de acidente ou doença que exija hospitalização imediata, a Pessoa Segura deverá apresentar o seu cartão de assistência no balcão de admissão do hospital, que se encarregará de verificar a validade, telefonando para o centro de assistência (AIG Travel Guard.).
Travel against medical advice exclusion
Insured person traveling or attempting to travel against medical advice is excluded from coverage
SourcePre-existing medical conditions exclusion
Pre-existing medical conditions or disabilities at time of accident are excluded from certain coverages
SourcePage 3 of 4Section: Há alguma restrição de cobertura?
Esta apólice não garante sinistros relacionados com uma condição clínica previamente diagnosticada, ou uma doença relacionada com uma condição clínica que a Pessoa Segura ou outra pessoa de quem a viagem dependa saiba antes da aquisição do seguro.
Sources
- c.ekstatic.nethttps://c.ekstatic.net/ecl/urp/pdfs/policywording-pt-en.pdf#page=3(opens in a new tab)
- aig.com.pthttps://www.aig.com.pt/home/solucoes-para-riscos/particulares/personal_accidents/aig-mission-individual_travel(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=10(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=13(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=14(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=15(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=16(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=21(opens in a new tab)
- scal.pthttps://www.scal.pt/wp-content/uploads/2021/03/D7_AIG-Condicoes-Gerais-Individual-Travel.pdf#page=22(opens in a new tab)