AIG Europe S.A. – Portugal Branch
AIG
AIG is a travel insurance for the Portugal market with no online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide, excluding certain sanctioned countries
Worldwide, except Cuba, North Korea, Iran, Sudan, Crimea and Syria, unless otherwise agreed in the Special Conditions of the policy.
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.
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.
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.
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.
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.
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.
Repatriation of Mortal Remains
€7,500
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).
Search and Rescue
€25,000
Covers search and rescue costs following an accident or illness during a covered trip, up to €25,000, as part of the Assistance service.
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.
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.
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.
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.
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.
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.
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.
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.
Documents
AIG Individual Travel - General Conditions
Terms & conditions
Policy specifics
Consecutive travel duration limit
Policy covers all trips during 1 year provided each trip does not exceed 180 consecutive days
SourceEmergency medical assistance
Coverage for emergency medical assistance abroad including medical referral, emergency evacuation coordination, clinical monitoring abroad, medical consultations
SourceNo prior travel notification required
Individual Travel automatically covers all trips within the policy year - no need to notify the insurer before each trip
SourcePersonal and professional goods coverage
Coverage for both personal and professional goods during trips, including baggage theft and loss
SourcePolitical and social conflicts exclusion
Specific exclusion for losses arising from political or social conflicts
SourceWar/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.
SourceAssistance center contact requirement
Insured must immediately contact Travel Guard assistance center in case of emergency to activate policy benefits
SourceMedical 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
SourceTravel 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
Source