Caravela - Companhia de Seguros, S.A.
Caravela
Caravela is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
For medical, surgical, pharmaceutical and hospitalization expenses incurred abroad, the insurer directly settles costs up to the policy limit, or reimburses upon prior agreement and submission of supporting receipts, subject to a €50 deductible per claim.
Geographic scope
Worldwide
Guarantees under this contract are in principle extended worldwide, with specific territorial limits defined in each case in the Particular Conditions of the policy.
Unique selling points
- Instant online quote and same-moment policy issuance through Caravela's self-service simulator.
- Unlimited coverage for emergency sanitary transport/repatriation and for repatriation of remains.
- 24/7 dedicated travel assistance phone line available every day of the year.
- Four selectable plan tiers (Base, Média, Top, Vip) with death/permanent invalidity capital reaching up to €250,000.
- Trip cancellation and interruption reimbursement up to €2,500 for unrecoverable accommodation and transport costs.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€10,000
Covers medical, surgical, pharmaceutical and hospitalization expenses abroad up to €10,000; surgery is only covered if urgent and unable to wait for the insured's return to Portugal, subject to a €50 deductible per claim.
Emergency medical treatment abroad
€10,000
Shares the €10,000 medical expenses cap; urgent surgical intervention abroad is covered only when it cannot wait until the insured's return to Portugal.
Hospitalization expenses abroad
€10,000
Hospitalization costs abroad are covered within the shared €10,000 medical expenses limit. A separate daily hospitalization indemnity of €30–€100 (varying by plan tier) is also payable for up to 365 days (see product_specific_constraints).
Outpatient medical and pharmaceutical expenses abroad
€10,000
Medical/surgical fees and doctor-prescribed pharmaceutical expenses abroad are covered within the shared €10,000 medical expenses cap.
Emergency dental treatment
Excluded
Dental expenses (odontologia) are explicitly excluded from the travel assistance coverage.
Medical transport of injured or ill persons
unlimited
Unlimited coverage for ambulance transport to the nearest clinic/hospital and for medically supervised transfer to a more appropriate hospital or back home, if the insured's clinical condition justifies it.
Sanitary evacuation / repatriation of injured or ill persons
unlimited
Unlimited coverage for the sanitary repatriation of the insured person when illness or injury abroad requires transfer, decided by the insurer's medical team.
Transport/repatriation of the deceased insured person
unlimited
Unlimited coverage for all formalities at the place of death and for transport/repatriation of the body to the burial location in Portugal.
COVID-19 / pandemic-related treatment
Excluded
Damages resulting from epidemics or pandemics declared by the competent authorities are excluded from all coverages.
Pre-existing conditions
Excluded
Pre-existing incapacity, injury or disease and any consequences or aggravations are excluded; lesions/illnesses already existing before the start of the trip are also excluded from travel assistance.
Winter sports cover
Excluded
Accidents resulting from the practice of winter sports (e.g. ski, snowboard) are excluded, unless otherwise agreed in the Particular Conditions; no source confirms this buy-back is actually offered.
Adventure/dangerous sports cover
Excluded
Accidents from mountaineering, martial arts, boxing, motor sports, parachuting, paragliding, bungee jumping, diving with breathing apparatus, and similar high-risk activities are excluded, unless otherwise agreed in the Particular Conditions.
Pregnancy complications
Conditional
Childbirth and complications due to pregnancy are excluded, except when unforeseeable and occurring during the first six months of pregnancy.
Non-contractual civil liability towards third parties
€25,000 – €50,000
Covers the insured's non-contractual civil liability for non-intentional acts or omissions causing damage to third parties during the trip. Limit is €25,000 on the Base and Média plans, and €50,000 on the Top and Vip plans.
Legal assistance
No limit stated
Not found as a distinct guarantee with a stated limit in the reviewed IPID and General/Special Terms and Conditions.
24/7 travel assistance line
Covered
A dedicated travel assistance phone line is available every day, 24 hours a day.
Key conditions
Assistance call deadline
The claim must be reported to the insurer within a maximum of 8 days from the date the insured/policyholder becomes aware of it.
Unauthorized treatment
Benefits not requested from the insurer and expenses not incurred with its agreement are not covered, except in cases of force majeure or demonstrated material impossibility.
Purchase while abroad
Not specified in the reviewed policy documents.
Chronic conditions
Pre-existing incapacity, injury or disease and their aggravations are excluded from all coverages, as is any condition exclusively of a psychiatric nature.
Pregnancy
Childbirth and pregnancy-related complications are excluded unless unforeseeable and occurring during the first six months of pregnancy.
Pre-existing condition exclusions
Incapacity, injury or illness existing before the contract was taken out, and any resulting aggravation, are excluded from cover.
Coverage duration limit
The policy automatically lapses at the end of the annuity in which the insured person turns 70, unless otherwise agreed; the daily hospitalization subsidy is payable for a maximum of 365 days.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad due to sudden illness or accident
SourceRepatriation and sanitization transport
Coverage for emergency transport and repatriation of the insured person in case of illness or accident abroad
SourceDeath or permanent invalidity
Personal accident coverage providing capital payment in case of death or permanent invalidity resulting from accident during travel
SourceLiability for third party damages
Coverage for liability arising from damages caused to third parties during travel
SourceHospitalization indemnity
Daily allowance or indemnification for temporary incapacity due to hospital admission during travel
SourceDangerous sports exclusion
Expenses related to practice of dangerous or radical sports are excluded
SourceIncidents under influence of alcohol or drugs
Incidents or accidents occurring while under the influence of alcohol or drugs are excluded
SourceTrip duration not exceeding 90 days
Travel insurance coverage typically does not apply to trips exceeding 90 consecutive days
SourceProfessional activity coverage limitation
Contract covers professional activities only when they do not involve perigosity higher than that of common travelers
Source24/7 assistance requirement
Travel insurance should provide 24-hour per day, 7-day per week assistance capability with immediate medical intervention capacity
Source