Companhia de Seguros Allianz Portugal, S.A.
Allianz Assistance
Allianz Assistance is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
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.
Geographic scope
Country or countries of destination as indicated in the Particular Conditions (worldwide, excluding war zones and sanctioned countries)
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.
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
Medical expenses abroad
€300,000
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.
Emergency medical treatment
€300,000
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.
Hospitalization abroad
€300,000
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).
Outpatient treatment
€300,000
Costs of necessary outpatient treatment provided by a doctor or hospital abroad, sharing the same €300,000 per person emergency medical/dental limit.
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.
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.
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.
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.
Search and rescue
€1,500
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.
COVID-19 / epidemic-pandemic treatment
€300,000
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.
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.
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.
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.
Pregnancy complications
€28
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.
Personal liability
No limit stated
No personal liability coverage is mentioned in any of the KLM Assistance/Comprehensive policy documents reviewed.
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.
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.
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.
Documents
KLM Comprehensive - Insurance Product Information Document
IPID
KLM Assistance - Insurance Product Information Document
IPID
KLM Comprehensive - General Conditions
Terms & conditions
KLM Comprehensive - Pre-contractual Information
Other document
KLM Assistance - Pre-contractual Information
Other document
Policy specifics
Medical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad
SourceTravel assistance levels
Product offers two assistance levels: Basic and Complete, applicable in Portugal or abroad
SourceTrip cancellation
Optional coverage that reimburses trip expenses in case of covered cancellation
SourceWinter sports coverage
Optional coverage for trips involving winter sports with customizable capital amounts
SourceTerrorism coverage
Optional additional coverage for travel to countries associated with terrorism acts
SourceShared 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.
SourceAccommodation 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.
SourceEligibility 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.
SourceSource no longer reachableTrip duration limit
Travel insurance policies cannot cover trips exceeding 90 consecutive days.
Source14-day cancellation window
Policyholders can cancel the insurance policy within 14 days of purchase if not satisfied.
SourcePortugal residency requirement
Travel insurance is designed for individuals who are residents of Portugal.
SourceHospitalization support
Coverage includes transport and accommodation for accompanying family members of hospitalized insured
SourceClaims 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.
SourceSource no longer reachable