Travel insurance
5 insurers with verified coverage data
Build a multi-insurer comparison
Comparison builder
Build a multi-insurer comparison
Select up to 4 insurers and compare them row by row. The matrix helps shortlist; each column still links to a full detail page.
Selected insurers 4/4
Add insurers to the matrix
32 of 33 rows shown
| Feature / category | Allianz May 15, 2026 Open details | Fidelidade May 15, 2026 Open details | Generali Tranquilidade May 15, 2026 Open details | Ageas Seguros May 15, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Companhia de Seguros Allianz Portugal, S.A. | Fidelidade - Companhia de Seguros, S.A. | Generali Seguros, S.A. | Ageas Portugal, Companhia de Seguros, S.A. |
Online purchase | No | Yes | No | No |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
|
|
|
|
IPID | Not available | IPID | IPID | IPID |
Terms & conditions | Not available | Not available | ||
| Coverage | ||||
Medical expenses | €30,000 | €25,000 | €10,000 – €50,000 | Optional |
Medical transport | unlimited | unlimited | Covered | Optional |
COVID-19 treatment | €30,000 | Claims arising directly or indirectly from contagious diseases (including COVID-19) are only covered if they occur outside the insured's country of residence. Assistance services in case of epidemic or pandemic are limited to what is established/permitted by the competent authorities at the insured's location. Transport and repatriation coverages are subject to local entry/exit authority rules for infected patients. | COVID-19 protection is included in temporary insurance policies only. It covers medical expenses and trip cancellation/interruption due to COVID-19 infection. Epidemics and pandemics are generally excluded except for COVID-19 in temporary policies. | Not offered |
Personal liability | Not offered | Optional | €100,000 | Optional |
Emergency dental | Covered | €750 | Covered | Not offered |
Search & rescue | Optional | Excluded | Not offered | Not offered |
Legal assistance | Not offered | Excluded | Covered | Not offered |
Emergency medical treatment | unlimited | €25,000 | Covered | Optional |
Hospitalization | €30,000 | €25,000 | Covered | Optional |
Outpatient treatment | Covered | €2,500 | Covered | Not offered |
Medical evacuation | unlimited | unlimited | Covered | Optional |
Repatriation of remains | unlimited | unlimited | Covered | Optional |
Pre existing conditions | Excluded | Excluded | Excluded | Excluded |
Winter sports cover | Optional | Excluded | Optional | Not offered |
Adventure sports cover | Excluded | Optional | Excluded | Amateur sports practice is a relative exclusion by default ('Exclusões relativas'). It may be covered if expressly agreed ('salvo expressa convenção em contrário'). This requires a specific endorsement. |
Pregnancy complications | Not offered | Complications due to pregnancy are excluded when the claim occurs from the 7th month of gestation onwards, or from the 4th month onwards for twin pregnancies or pregnancies resulting from fertility treatment, provided the insured was already aware of the pregnancy at the time of policy subscription. Complications occurring before these thresholds where the insured was unaware of the pregnancy at subscription are covered. | Excluded | Excluded |
| Key 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. | The insured must contact the insurer's assistance line (+351 214 40 50 08) BEFORE incurring any medical expenses or activating assistance services, in order to benefit from the direct service arrangement and full coverage. Failure to make prior contact may result in reduced or no coverage for unrequested assistance services. | The insured must contact the Assistance Service immediately when an incident occurs, explain what happened, and provide all information necessary to receive help. Claims must be reported within 8 days of the occurrence or the day the insured becomes aware of it. | Accidents must be reported by telephone to the Travel Assistance line (213 102 450) within a maximum of 8 days from occurrence. For fatal accidents, immediate reporting is required. |
Purchase while abroad | The policy must be subscribed before the start of the trip. Purchase after departure is not permitted. | The contract origin must be Portugal; trips originating outside Portugal are not covered unless expressly stated in the Particular Conditions. The product is designed for persons resident in Portugal or present in Portugal for a trip not exceeding 4 months (per the May 2024 IPC). Maximum trip duration is 1 year. | The policy must be purchased before the trip starts. The coverage begins on the date and time specified in the Particular Conditions. There is no indication in the official documents that the policy can be purchased after departure. | The policy must be purchased before travel begins. The coverage applies during the trip itinerary as specified in the Particular Conditions. Accidents occurring outside the planned itinerary are excluded, except in cases of force majeure. |
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. | Medical expenses related to chronic or pre-existing diseases are explicitly excluded. Only acute manifestations of pre-existing conditions are covered. If a pre-existing condition aggravates the consequences of a covered accident, the insurer's liability is capped at what it would have been without the pre-existing condition. | Chronic diseases are not explicitly covered. The Assistance to Persons coverage applies to sudden and unforeseeable accidents or illnesses. Pre-existing or chronic conditions known before travel are not covered under the standard terms. | Chronic diseases are not specifically addressed as a covered benefit. The product covers accidents only. Consequences of pre-existing or chronic conditions are not covered unless they result directly from an accident during the trip. |
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. | Pregnancy complications are excluded when the claim occurs from the 7th month of gestation onwards (or from the 4th month for twin/fertility-treatment pregnancies), provided the insured was already aware of the pregnancy at policy subscription. If the insured was unaware of the pregnancy at subscription, complications may be covered subject to the standard medical expenses exclusions. | Accidents and diseases due to pregnancy or childbirth are explicitly excluded from Personal Accident coverage. Pregnancy-related events are not covered. | Accidents and consequences due to pregnancy or childbirth are explicitly excluded as general exclusions and are never covered under this policy. |
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. | Assistance services that were not previously requested from the insurer's assistance service or were incurred without its agreement are excluded from coverage. Medical expense reimbursement requires submission of original supporting documents. | Prior authorisation from the Assistance Service is required before incurring any expenses. Reimbursement of costs depends on prior authorisation by the Assistance Service. Expenses incurred without prior authorisation may not be reimbursed. | Treatment received without prior authorization from the travel assistance line may result in reduced reimbursement or denial of coverage. The insured must follow healthcare professional prescriptions and advice. |
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. | Pre-existing chronic conditions are excluded from medical expenses coverage. However, acute manifestations of pre-existing lesions or diseases are covered. The insurer's liability for accident consequences aggravated by a pre-existing condition is capped at the level applicable to a person without that condition (Clause 10 of General Conditions). | Coverage applies only to sudden and unforeseeable accidents or illnesses. Pre-existing conditions are not covered as a standard benefit. Certain situations such as pre-existing diseases may have limitations and require additional coverage according to official product documentation. | Pre-existing conditions are not covered. The policyholder and insured persons are obliged to declare all known circumstances significant for risk assessment before the contract is concluded. Deliberate omissions may lead to policy annulment. Negligent omissions may result in proportional coverage reduction or policy termination. |
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. | Coverage is valid for the contracted period indicated in the Particular Conditions or Adhesion Certificates. The maximum trip duration guaranteed is one year. In the event of a force majeure event, sudden accident or illness that demonstrably prevents the insured from returning, contracted coverages remain in force automatically without additional premium until the impediment ceases. The policy lapses at the end of the year in which the insured turns 75. | For the temporary version, the insured can choose coverage periods of up to 4 days, 5–16 days, 17–30 days, or 31–90 days per trip. For the annual version, coverage applies to each trip throughout the year up to a maximum duration of 90 days per trip. Coverage ends at the end of the trip or on the date specified in the Particular Conditions. If the trip ends before the scheduled date, coverage ceases on that earlier date. The policy is automatically extended if a delay occurs for reasons beyond the insured's control (excluding Assistance coverages). | The policy duration is as specified in the Particular Conditions / Policy Receipt. Coverage can be contracted for the period needed, up to a maximum of 60 days. Policies for a fixed term expire at 24:00 on the last day and do not automatically renew if the initial period is less or more than 1 year, unless otherwise agreed. |
| Proof and next steps | ||||
Direct payment policy | 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. | Assistance services (medical transport, repatriation, funeral, etc.) operate on a direct-service basis with no upfront payment required from the insured; the insurer arranges and pays service providers directly. Other coverages (medical expenses abroad, baggage, cancellation) operate on a reimbursement basis upon submission of original supporting documents. | The insured must contact the Assistance Service before incurring any expenses; reimbursement depends on prior authorisation by the Assistance Service. Contact from Portugal: 213 863 322; from abroad: +351 213 863 322. | The insurer coordinates and pays assistance services directly through its travel assistance network. For reimbursement coverages (treatment expenses, baggage), the insured must submit receipts after the event. Payment via SIBS reference (Multibanco), direct debit or, through a broker, card or MBWay. |
Last verified | May 15, 2026 | May 15, 2026 | May 15, 2026 | May 15, 2026 |