AXA Partners - Portugal Branch (Inter Partner Assistance SA - Sucursal em Portugal / AXA France IARD - Sucursal em Portugal / AXA France VIE - Sucursal em Portugal)
AXA Partners
AXA Partners is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
The premium must be paid in full by the policyholder or insured person at the time of subscription and before the contract takes effect, via credit card, MBWay or a Multibanco reference provided by the insurer.
Geographic scope
Worldwide (abroad travel for Portuguese residents)
Coverage applies abroad, except in Afghanistan, Belarus, North Korea, Iran, Myanmar, Russia, Syria and Ukraine.
Starting price
€2
Indicative — pricing assumptions not stated
Unique selling points
- Medical expenses abroad covered up to €30,000, including COVID-19-related treatment.
- 24/7 dedicated assistance phone line for policyholders needing help during their trip.
- Fast online issuance with premiums starting from just €2.05 per day.
- Two selectable tiers, Classic and Gold, letting travelers scale cover to their needs plus optional add-ons.
- Worldwide assistance network covering medical care, repatriation and hospital stay support abroad.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€3,500 – €30,000
Included core guarantee for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad (including COVID-19). The base capital is set out in the Condições Particulares; official product pages state a range of €3,500 to €30,000 depending on the option (Classic/Gold) and additional cover chosen. The Classic IPID confirms an optional extension of this guarantee up to €30,000, subject to a €50 deductible.
Emergency medical treatment abroad
€30,000
Only in Classic
Emergency medical treatment abroad is covered under the base medical expenses guarantee, extendable to €30,000 via the optional cover, subject to a €50 deductible.
Hospitalization expenses abroad
€30,000
Only in Classic
Hospitalization expenses abroad are bundled within the medical/surgical/pharmaceutical guarantee, extendable to €30,000 via the optional cover, subject to a €50 deductible.
Outpatient medical treatment abroad
€30,000
Only in Classic
Outpatient treatment is covered under the same medical expenses guarantee as hospitalization, extendable to €30,000 via the optional cover, subject to a €50 deductible.
Medical transport / sanitary repatriation of injured or sick persons
Covered
Only in Classic
Included guarantee for transport or sanitary repatriation of injured or sick insured persons. In the specific case of COVID-19 infection, this guarantee is capped at €50,000.
Medical evacuation
Covered
Only in Classic
Medical evacuation is covered under the same guarantee as sanitary transport/repatriation; capped at €50,000 in the specific case of COVID-19.
Repatriation of mortal remains
Covered
Only in Classic
Included guarantee covering transport or repatriation of the deceased insured person and an accompanying family member; no specific monetary limit stated in the IPID.
COVID-19 treatment and related repatriation
€50,000
Only in Classic
Medical expenses due to COVID-19 infection are covered under the general medical expenses guarantee; additionally, in case of COVID-19 the sanitary transport/repatriation guarantee is specifically capped at €50,000.
Pre-existing injuries or illnesses
Excluded
Injuries or illnesses already existing before the start of the trip are explicitly excluded from cover.
Winter sports cover
Excluded
Accidents resulting from winter sports such as skiing and snowboarding are explicitly excluded.
Adventure/extreme sports cover
Excluded
Accidents resulting from professional or federated amateur sports practice and training, as well as other 'special'/'extreme' sports, are explicitly excluded.
Pregnancy complications
Conditional
Only in Classic
Childbirth and complications due to pregnancy are excluded, unless unforeseeable and occurring during the first six months of pregnancy.
24/7 assistance line
Covered
A dedicated assistance phone line is available 24 hours a day, every day, for policyholders needing help during their trip.
Key conditions
Assistance call deadline
The insured must contact the Company before activating any travel assistance guarantee; if prior contact is impossible due to force majeure or demonstrated material impossibility, the insurer must be called as soon as possible after the event.
Unauthorized treatment
Benefits that were not requested from the insurer, or expenses incurred without its agreement, are not covered, except in cases of proven force majeure or material impossibility.
Purchase while abroad
The product is designed for Portuguese residents who purchase cover before departure; the premium must be paid before the contract takes effect. The reviewed documents do not address purchasing the policy after already being abroad.
Chronic conditions
Not separately addressed; chronic conditions existing before the trip would likely fall under the general exclusion for pre-existing injuries or illnesses.
Pregnancy
Childbirth and pregnancy-related complications are excluded, unless unforeseeable and occurring within the first six months of pregnancy.
Pre-existing condition exclusions
Injuries or illnesses already existing before the start of the trip are excluded from cover.
Coverage duration limit
Cover applies only to trips where the stay abroad does not exceed 90 days; travel assistance cover runs from the trip start date to the trip end date.
Policy specifics
Trip cancellation
Optional coverage for trip cancellation; must be explicitly contracted and must be purchased within 24 hours before trip start; subject to specific conditions listed in cancellation general conditions
SourceMedical quarantine stay extension
Coverage for accommodation expenses extension when medical quarantine is prescribed by a physician during foreign travel; limited to maximum daily amount specified in policy special conditions
SourceMedical repatriation
Coverage for transportation or medical repatriation of injured or sick persons; includes early return home if medically necessary
SourceHospitalization support
Coverage including accommodation for family member and travel costs; includes ticket and hotel accommodation for accompanying person when insured is hospitalized abroad
SourceMaximum age limit
Travel assistance insurance for individuals with maximum age up to 75 years inclusive, with permanent residence in Portugal traveling abroad
SourceMaximum trip duration
Coverage period not exceeding 90 days; period of permanent residence abroad must not exceed 90 days for coverage to apply
SourcePrior notification requirement
Essential condition that insured must contact insurer before activating any guarantee; in emergency situations where prior contact is impossible due to force majeure or material impossibility, insured must call insurer as soon as possible after incident
SourcePermanent residence requirement
Applicant must be a permanent resident of Portugal to be eligible for Travel Insurance - Classic coverage
SourceCoverage commencement
Travel assistance coverage begins on day trip is initiated and ends with trip completion; cancellation coverage (if optional coverage purchased) begins 24 hours after subscription and ends on trip start date
Source