Extracted from source documents

Allianz Assistance Travel insurance (Klm Travel Insurance)

Underwritten by AWP P&C S.A. – Sucursal em Portugal (Allianz Assistance) · Portugal

travel insurance from Allianz Assistance for the Portugal market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024Sources

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Key facts

Allianz Assistance

Unique selling points

High emergency medical and dental cover abroad of up to €300,000 per person, well above typical market minimums.

24/7 multilingual assistance line with global reach for medical, transport, legal and translation emergencies.

Hospital admission costs abroad can be guaranteed or advanced directly by the insurer once accepted, avoiding upfront out-of-pocket payment.

Epidemic and pandemic diseases, including COVID-19, are explicitly covered under trip cancellation, interruption, delay and emergency medical benefits.

Round-trip travel and accommodation for an accompanying friend or family member are covered if the insured is hospitalized for more than 72 hours.

Coverage limits

Covered

Medical expenses abroad

€300K

Reimbursement of reasonable and customary costs of necessary medical/dental treatment (in-patient or out-patient) received abroad due to sudden illness, injury or medical condition, including epidemic or pandemic diseases such as COVID-19, up to €300,000 per person, minus applicable deductibles.

Page -1-

Section: O QUE É QUE ESTÁ SEGURADO? > Despesas médicas/odontológicas de emergência e cobertura de transporte de emergência

Tratamento de emergência médica: até 300.000 euros por pessoa

Covered

Emergency medical treatment

€300K

Emergency medical treatment abroad for sudden, unexpected illness or injury that could cause serious harm if untreated before returning home, up to €300,000 per person.

Page -1-

Section: O QUE É QUE ESTÁ SEGURADO? > Despesas médicas/odontológicas de emergência e cobertura de transporte de emergência

Tratamento de emergência médica: até 300.000 euros por pessoa

Covered

Hospitalization abroad

€300K

If in-patient hospital admission is required abroad, the insurer may guarantee or advance payments, sharing the same €300,000 per person emergency medical/dental limit (no separate sublimit for hospitalization).

Page 8

Section: F. RISCOS QUE PODEM SER COBERTOS > 5. Urgência médica/odontológica no estrangeiro

Se precisar de ser internado num hospital, podemos garantir ou antecipar os pagamentos, quando aceites, até ao limite da cobertura de urgência médica/odontológica no estrangeiro.

Covered

Outpatient treatment

€300K

Costs of necessary outpatient treatment provided by a doctor or hospital abroad, sharing the same €300,000 per person emergency medical/dental limit.

Page -1-

Section: O QUE É QUE ESTÁ SEGURADO? > Despesas médicas/odontológicas de emergência e cobertura de transporte de emergência

Custos de tratamentos necessários (hospitalares ou ambulatórios) prestados por um médico ou num hospital

Covered

Emergency dental treatment

€300

Emergency dental treatment abroad for dental infection, lost filling or broken tooth, subject to a maximum sublimit of €300 per person within the emergency medical/dental coverage.

Page -1-

Section: O QUE É QUE ESTÁ SEGURADO? > Despesas médicas/odontológicas de emergência e cobertura de transporte de emergência

Tratamento de urgência dentária: até 300 euros por pessoa

Covered

Emergency transportation

Covered

Local emergency transportation from the location of the incident to a local doctor or medical facility (and onward to the nearest appropriate hospital if local facilities are inadequate), reimbursed at real/actual cost, subject to prior authorization by the insurer's assistance team.

Page 9

Section: F. RISCOS QUE PODEM SER COBERTOS > 6. Transporte de urgência

Em caso de doença ou acidente grave (incluindo uma doença epidémica ou pandémica como a COVID-19) durante a viagem, procedemos ao pagamento do transporte de urgência, desde o local do incidente inicial até um médico ou hospital local.

Covered

Medical repatriation

Covered

If the treating doctor confirms the insured is medically stable to travel, the insurer arranges and pays for transportation home (or to a medical facility near the primary residence) in the originally booked class of service, at real/actual cost minus refunds for unused tickets, plus a medical escort if necessary.

Page 9

Section: F. RISCOS QUE PODEM SER COBERTOS > 6. Transporte de urgência > Repatriamento médico

Em caso de doença ou acidente grave (incluindo uma doença epidémica ou pandémica como a COVID-19) durante a viagem, e a nossa equipa médica confirmar com o médico assistente que está clinicamente estável para viajar, nós: 1. Organizamos e assumimos o transporte na mesma classe de serviço da sua reserva original

Covered

Repatriation of remains

Covered

If death occurs during the trip, the insurer arranges and pays the reasonable and necessary services to transport the remains to a funeral home near the primary residence or in the country of residence, at real/actual cost.

Page 11

Section: F. RISCOS QUE PODEM SER COBERTOS > 6. Transporte de urgência > Repatriamento do corpo (para o país do domicílio)

Organizamos e assumimos os serviços razoáveis e necessários para transportar o corpo para um dos seguintes destinos: 1. Uma agência funerária próxima do seu domicílio; ou 2. Uma agência funerária localizada no seu país do domicílio.

Covered

Search and rescue

€1.5K

Cost of search and rescue activities by a professional rescue team if the insured is reported missing during the trip or must be rescued from a physical emergency, up to €1,500 per person.

Page 12

Section: F. RISCOS QUE PODEM SER COBERTOS > Procura e resgate

Assumimos o custo das atividades de procura e resgate por uma equipa de resgate profissional, até ao capital máximo indicado no Resumo de Coberturas, se for dado como desaparecido durante a sua viagem ou se precisar de ser resgatado de uma situação de perigo.

Covered

COVID-19 / epidemic-pandemic treatment

€300K

Epidemic or pandemic diseases such as COVID-19 are explicitly included within trip cancellation, interruption, delay and emergency medical/dental coverage, sharing the same €300,000 per person medical limit.

Clause 13Page 13

Section: G. EXCLUSÕES GERAIS

Uma epidemia ou pandemia, exceto quando e na medida em que uma epidemia ou pandemia seja expressamente referida e abrangida pela cobertura de cancelamento de viagem, cobertura de interrupção de viagem, cobertura de atraso de viagem ou cobertura médica/dentária de emergência;

Excluded

Pre-existing medical conditions

Excluded

The policy does not cover pre-existing medical conditions, defined as illnesses that led to consultation, diagnosis, treatment, symptoms, or prescribed medication within the 120 days prior to purchasing the policy.

Page 8

Section: 1. DEFINITIONS

An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). […] Your contract does not cover pre-existing medical conditions.

Excluded

Winter sports cover

Excluded

There is no dedicated winter sports rider. Skiing or snowboarding outside marked trails or in a helicopter-accessed area is expressly excluded as an extreme/high-risk activity.

Clause 11Page 25

Section: 4. GENERAL EXCLUSIONS

Participating in extreme, high-risk sports and activities in general and the following activities in particular: […] d. Skiing or snowboarding outside marked trails or in an area accessed by helicopter;

Excluded

Adventure sports cover

Excluded

Extreme, high-risk sports and activities are excluded, including skydiving, BASE jumping, bungee jumping, caving/rappelling, free/sport climbing, high-altitude activity, combat sports, motorized racing, free diving, and scuba diving beyond 20 metres or without a dive master.

Clause 11Page 25

Section: 4. GENERAL EXCLUSIONS

a. Skydiving, BASE jumping, hang gliding, or parachuting; b. Bungee jumping; c. Caving, rappelling, or spelunking; […] e. Climbing sports or free climbing; f. Any high-altitude activity; g. Personal combat or fighting sports; h. Racing or practicing to race any motorized vehicle or watercraft; i. Free diving; or j. Scuba diving at a depth greater than 20 meters or without a dive master.

Pregnancy complications

No limit stated

The sources only state that normal, complication-free pregnancy or childbirth is excluded (except where expressly covered under trip cancellation/interruption); they do not affirmatively state whether complicated pregnancies are covered under emergency medical treatment.

Clause 4Page 25

Section: 4. GENERAL EXCLUSIONS

Normal, complication-free pregnancy or childbirth, except when and to the extent that normal, complication-free pregnancy or childbirth is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;

Personal liability

No limit stated

No personal liability coverage is mentioned in any of the KLM Assistance/Comprehensive policy documents reviewed.

Source no longer reachable

Covered

Legal referrals

Covered

Information-only service: the insurer can help the insured find local legal advice while traveling. No monetary benefit is attached to this service.

Page 12

Section: F. RISCOS QUE PODEM SER COBERTOS > 7. Serviços durante a viagem > Referências legais

Podemos ajudá-lo, se necessário, a encontrar aconselhamento jurídico local durante a viagem.

Covered

24/7 travel assistance services

Covered

24-hour, 7-day-a-week multilingual assistance for personal emergencies (illness, loss of means of payment, lost documents, emergency cash transfer, translation), plus information services for the duration of the policy. This is an information/coordination service, not a monetary benefit.

Page 12

Section: F. RISCOS QUE PODEM SER COBERTOS > 7. Serviços durante a viagem

Se precisar de serviços de viagem durante a sua deslocação, estamos disponíveis 24 horas por dia. Com o nosso alcance global e equipa multilingue, estamos aqui para o ajudar.

Key conditions

Assistance call deadline

For emergency medical/dental or emergency transportation assistance, contact Allianz Assistance immediately via the 24/7 helpline (+351 210 014 256). For all other claims, notify within a maximum of 8 days of the event; late reporting may reduce the indemnity. Transportation not authorized/organized in advance by Allianz Assistance is reimbursed only up to what the insurer would have paid had it organized it.

Unauthorized treatment

Expenses incurred without prior authorization from the assistance service are excluded. Emergency transportation, medical repatriation, transport to bedside and repatriation of remains not arranged in advance by the insurer are reimbursed only up to the amount the insurer would have paid had it organized them.

Purchase while abroad

The policy is designed for individuals domiciled in Portugal who have booked their trip with KLM. It must be subscribed and the full premium paid on or before the departure date; it cannot be purchased once the trip has started.

Chronic conditions

Non-stabilized pre-existing medical conditions that were diagnosed or treated before the policy purchase date are excluded from all coverages.

Pregnancy

Normal, complication-free pregnancy or childbirth is excluded, except when and to the extent expressly referenced and covered under trip cancellation or trip interruption coverage. Fertility treatments and elective abortion are also excluded.

Pre-existing condition exclusions

A pre-existing condition is any illness that, in the 120 days before the policy was purchased, led to medical consultation, diagnosis, care, treatment, symptoms, or prescribed medication. Pre-existing medical conditions are excluded from coverage.

Coverage duration limit

Travel insurance cannot cover trips exceeding 90 consecutive days. Most benefits' coverage begins on the trip's departure date and ends on the return date (or the 90th day, if earlier); cancellation cover begins the day after purchase and ends on the departure date.

Direct payment

If hospital admission abroad is required, Allianz Assistance may guarantee or advance payment directly, where accepted, up to the limit of the emergency medical/dental coverage.

Territorial scope

Cancellation cover applies in the insured's country of residence (Portugal). All other covers apply in the country or countries of destination, including transit countries. No assistance is provided in war zones or in countries classified as excluded by the insurer.

Documents

KLM Comprehensive - Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

KLM Assistance - Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

KLM Comprehensive - General Conditions (opens in a new tab)

Terms & conditions · PDF

KLM Comprehensive - Pre-contractual Information (opens in a new tab)

Policy specifics

Medical expenses abroad

Coverage for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad

Source

Travel assistance levels

Product offers two assistance levels: Basic and Complete, applicable in Portugal or abroad

Source

Baggage coverage

Coverage for personal baggage and travel items with specified capital limits

Source

Trip cancellation

Optional coverage that reimburses trip expenses in case of covered cancellation

Source

Winter sports coverage

Optional coverage for trips involving winter sports with customizable capital amounts

Source

Terrorism coverage

Optional additional coverage for travel to countries associated with terrorism acts

Source

Shared emergency medical/dental limit across tiers

Both KLM Assistance and KLM Comprehensive tiers share the same €300,000 per person emergency medical/dental treatment limit, with a €300 dental sublimit and a €1,500 search & rescue sublimit.

Source

Accommodation allowance for accompanying family member/friend

If the insured is hospitalized for more than 72 hours, the insurer arranges and pays round-trip economy transportation for one friend or family member, plus their accommodation expenses, up to €50 per day for a maximum of 7 days.

SourcePage 10

Section: F. RISCOS QUE PODEM SER COBERTOS > 6. Transporte de urgência > Bilhete de ida e volta de um amigo ou familiar

Se o médico assistente lhe disser que vai ser hospitalizado (incluindo ser hospitalizado devido a uma epidemia ou pandemia, como a COVID-19) durante mais de 72 horas, ou em que o repatriamento represente um risco para a sua saúde, organizaremos e assumiremos o transporte de ida e volta em classe económica para que um amigo ou familiar possa ficar consigo.

Eligibility tied to KLM booking

Coverage is only guaranteed for a trip acquired through/booked with KLM and undertaken by the insured on a non-business basis; the policy never covers connecting flights or trips booked during the stay at the destination, and it applies to a single trip that cannot be renewed.

SourcePage 1

Section: B. SUBJECT – MATTER

The risks will only be guaranteed by the Insurer for a trip acquired by the KLM and is undertaken by the Insured person on a non-business basis. […] Under no circumstances does this policy cover connecting flights or journeys booked during the stay at the destination indicated in the Particular Conditions. […] Please note that this policy applies to a single trip and cannot be renewed.

Trip duration limit

Travel insurance policies cannot cover trips exceeding 90 consecutive days.

SourcePage 2

Section: E. INICIO E DURAÇÃO DO CONTRATO E DAS COBERTURAS

O seguro de viagem não pode cobrir viagens que excedam 90 dias consecutivos.

14-day cancellation window

Policyholders can cancel the insurance policy within 14 days of purchase if not satisfied.

SourcePage 2

Section: K. CESSAÇÃO DO CONTRATO

O segurado pode cancelar a apólice de seguro nos primeiros 14 dias após a aquisição da apólice, se esta não satisfizer as suas necessidades.

Portugal residency requirement

Travel insurance is designed for individuals who are residents of Portugal.

Source

Hospitalization support

Coverage includes transport and accommodation for accompanying family members of hospitalized insured

Source

Claims reporting deadline

Except for medical/dental or emergency transportation claims (which require immediate contact), all other claims must be reported within a maximum of 8 days of the event; late reporting may reduce the indemnity for damages caused by the delay.

SourcePage 27

Section: 5.CLAIMS INFORMATION

If you wish to activate any cover, other than Medical/Dental Assistance cover, or Emergency Transport cover, you may send us an email at [email protected] or by calling (+351) 210 014 256 between 9:00 and 18:00. […] The claim must be reported within a maximum of 8 days. After this period, we will be able to claim for damages caused by the lack of communication.