Allianz
Allianz Viagens is a travel insurance for the PT market with no online purchase and 24/7 assistance.
Direct payment
Allianz Assistance must be contacted immediately upon occurrence of a covered event abroad. Unauthorized treatment (without prior contact with the assistance service) may result in reduced or denied reimbursement. Medical expenses abroad are reimbursed subject to a €50 deductible per claim.
Geographic scope
PT
Portugal (domestic - Básica) and abroad/international (Básica and Completa tiers); valid across Schengen Area
Unique selling points
- Medical expenses abroad covered up to €30,000 per trip with 24/7 coordinated assistance, including unlimited emergency transport and medical evacuation.
- Two flexible assistance tiers (Básica and Completa) allow travellers to match coverage level to domestic or international trip needs.
- Optional winter sports add-on includes unlimited search and rescue at ski resorts, equipment rental, and ski lessons — typically charged as extras by competitors.
- Unlimited emergency medical information, health status updates, and urgent medication dispatch are included as standard across all tiers.
- Allianz Viagens is backed by the Allianz Group, ranked as the world's top insurance brand (Brand Finance 2026), offering global reach across more than 70 countries.
Coverage limits
Medical, pharmaceutical and hospitalization expenses abroad
Covered
Covers emergency medical, pharmaceutical and hospitalization expenses incurred abroad. The Allianz Viagens product provides up to €30,000 (with a €50 deductible) under both the Básica and Completa assistance tiers for international travel. A separate base travel assistance module from a different Allianz product lists €7,500 for the same coverage.
SourceEmergency medical information and urgent transport
Covered
Emergency medical information and urgent transport services are covered with unlimited capital under all tiers (Portugal Básica, Estrangeiro Básica, and Completa). Covers guidance and coordination of emergency transport to the nearest appropriate medical facility.
SourceHospitalization expenses abroad
Covered
Hospitalization expenses abroad are included within the broader medical, pharmaceutical and hospitalization coverage capped at €30,000 with a €50 deductible (Allianz Viagens, Básica and Completa tiers for international travel). A companion's transport (unlimited) and accommodation (€75/day, max €750) for the hospitalized insured are also included.
SourceOutpatient medical treatment abroad
Covered
Outpatient medical and pharmaceutical expenses incurred abroad are covered within the overall medical expenses limit of €30,000 (with a €50 deductible). A separate explicit outpatient sub-limit is not stated in the sources.
SourceDental expenses from accident abroad
Covered
Covers dental treatment expenses resulting from accidents abroad. Under Allianz Viagens: €500 (Básica, with €50 deductible) or €1,000 (Completa, with €50 deductible). The base travel assistance module (separate product) lists a €500 limit.
SourceEmergency transport (urgent transport and companion transport)
Covered
Emergency urgent transport of the insured person is covered with unlimited capital under all tiers. Companion transport (family member's return flight) to accompany the hospitalized insured is also unlimited; accommodation for the companion is covered at €75/day up to a maximum of €750.
SourceMedical evacuation and sanitary repatriation
Covered
Medical evacuation and sanitary repatriation of the insured in case of illness or sudden accident abroad is guaranteed with unlimited capital. The insurer organizes and covers the transport to the nearest appropriate medical facility or back to Portugal when medically necessary.
SourceRepatriation in case of death
Covered
Repatriation of remains in case of death abroad: transport is unlimited; the cost of the funeral urn is covered up to €500 (Básica tier) or €1,000 (Completa tier). The base travel assistance module (separate product) also lists unlimited transport and €500 for the urn.
SourceSearch and rescue at ski resort (winter sports)
Optional
Search and rescue at ski resorts is covered with unlimited capital when the optional winter sports (Desportos de Neve) cover is contracted. This is an optional add-on; equipment rental and ski lessons are each covered up to €250.
SourceCOVID-19 treatment coverage
Covered
COVID-19 medical treatment abroad is covered within the standard medical expenses coverage (up to €30,000). Allianz offers COVID-19 coverage across its travel insurance plans, covering medical/hospitalization expenses and potential accommodation costs for medical isolation. A specific separate COVID-19 sublimit is not stated in the primary official sources.
SourcePre-existing conditions
Excluded
Pre-existing conditions are generally excluded. A pre-existing condition is defined as any illness or condition the insured person could not have been unaware of at the time of policy subscription, having been the subject of prior medical treatment, or whose signs/symptoms were evident. Expenses related to declared or undeclared pre-existing conditions are excluded.
SourceWinter sports cover (Desportos de Neve)
Optional
Optional add-on for travel with the purpose of practicing winter sports. When contracted, it includes: unlimited search and rescue at ski resort, equipment rental and ski passes up to €250, and ski lessons up to €250. The customer may also define the capital for the main winter sports coverage.
SourceAdventure sports cover
Excluded
No specific adventure sports coverage is mentioned in the verified official sources for Allianz Viagens. Sports-related accidents may be subject to general exclusions. Only winter sports have an explicit optional add-on.
SourcePregnancy complications
Not offered
Pregnancy and its complications are not explicitly covered under the Allianz Viagens travel medical product based on the verified official sources. Normal pregnancy follow-up and routine care are generally excluded from travel insurance.
SourcePersonal liability
Not offered
Personal liability (civil liability towards third parties during travel) is not listed as a coverage in the verified official Allianz Viagens sources (tabela-coberturas-viagem.pdf and Tabela-Coberturas-Viagens-AV.pdf or seguro-viagem.html). It may be available in other Allianz travel-related products but is not confirmed for this product.
SourceLegal assistance abroad
Not offered
Legal assistance abroad is not listed in the verified official Allianz Viagens coverage tables. Some Allianz travel-related products (e.g. annual travel via Allianz Assistance) include legal defense expenses, but this is not confirmed in the primary Allianz Viagens sources.
Source24/7 travel assistance service
Covered
24-hour, 7-days-a-week travel assistance is included in the product, covering emergency medical information, health status information, urgent transport coordination and other services. The assistance service must be contacted immediately upon occurrence of a covered event.
SourceKey conditions
Assistance call deadline
The insured must contact the Allianz Assistance service immediately upon the occurrence of a covered event abroad. Failure to do so prior to receiving medical treatment may result in reduced or denied reimbursement for unauthorized expenses.
Unauthorized treatment
Medical expenses incurred without prior authorization from the Allianz Assistance service may not be reimbursed or may be subject to a penalty/reduction. All covered medical interventions abroad should be coordinated through the assistance service.
Purchase while abroad
The policy must be subscribed before the start of the trip. Purchase after departure is not permitted.
Chronic conditions
Chronic diseases and pre-existing conditions are generally excluded from coverage. The policy covers acute illness or sudden accident occurring during the trip, not management of ongoing or known chronic conditions.
Pregnancy
Pregnancy and its complications, including routine prenatal care, are generally not covered under Allianz Viagens travel medical coverage. Only emergency situations arising from unexpected complications may be considered; standard pregnancy follow-up is excluded.
pre_existing_conditions
Pre-existing conditions are excluded. A condition is considered pre-existing if the insured person could not have been unaware of it at the time of subscription — i.e., it had been the subject of prior medical treatment or its signs/symptoms were evident before policy inception.
coverage_duration_limit
The policy is sold on a per-trip basis. Coverage is limited to the duration of the insured trip as stated in the policy conditions. Annual multi-trip variants may be available but are a separate product.
Policy specifics
Medical, surgical, pharmaceutical and hospitalization assistance abroad
Coverage for emergency medical expenses incurred abroad, limited to €7,500
Trip cancellation
Optional coverage providing reimbursement for cancelled travel expenses, max €1,000
Winter sports coverage
Optional coverage allowing customer-defined capital for winter sports travel
Acts of terrorism coverage
Optional coverage providing customer-defined capital for travel to countries associated with terrorism
Dental expenses from accident abroad
Coverage for dental treatment expenses resulting from accidents abroad, limited to €500
Assistance service activation requirement
Contact with Allianz Assistance required immediately upon occurrence of covered event
Two assistance levels available
Basic or Complete assistance levels depending on travel type, covering domestic or international travel