Europ Assistance S.A. - Portugal Branch
Europ Assistance
Europ Assistance is a travel insurance for the Portugal market with no online purchase and limited assistance availability.
Direct payment
The Insurer may advance funds abroad, up to the policy limits, for immediate personal expenses following baggage theft/loss, or once the medical expenses limit is exhausted during hospitalization, provided the Insured or a third party first provides adequate security (e.g. a certified cheque); any amount advanced must be reimbursed within 60 days.
Geographic scope
Europe (excluding Portugal) or worldwide, depending on the contracted modality
Coverage excludes North Korea, Syria, Belarus, Iran and the Russian Federation, as well as the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson territories, and any country or territory subject to UN, EU, UK or US sanctions.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€3,500
Covers medical and surgical fees, medicines prescribed by a doctor, and hospitalization expenses incurred abroad, subject to a €50 deductible.
Emergency medical treatment abroad
€3,500
Emergency medical and surgical treatment abroad is covered under the same €3,500 aggregate limit as the general medical expenses guarantee, subject to a €50 deductible.
Hospitalization expenses abroad
€3,500
Hospitalization expenses abroad are explicitly included within the same €3,500 aggregate limit as medical, surgical and pharmaceutical expenses, subject to a €50 deductible.
Outpatient treatment
No limit stated
Not separately itemized or quantified in the available policy text.
Emergency dental treatment
Conditional
Dental/stomatology care is generally excluded, except for provisional treatment of oral trauma following an accident, which is covered under the general medical expenses limit.
Ambulance/medical transport to nearest hospital
unlimited
Transport by ambulance or other appropriate means from the place of occurrence to the nearest clinic or hospital is covered with no stated monetary limit.
Medical repatriation/sanitary transport and medical supervision
unlimited
Repatriation or sanitary transport of injured or ill insured persons, and medical supervision until transfer, is covered with no stated monetary limit, subject to the Insurer's medical team assessment.
Transport/repatriation of mortal remains
unlimited
In the event of the insured person's death from accident or illness, the Insurer covers formalities and repatriation or transport of the body to the place of burial at the insured's domicile, with no stated monetary limit.
Search and rescue operations
Excluded
Search and rescue operations are explicitly excluded from cover.
COVID-19/pandemic treatment
Excluded
Epidemics, pandemics and infectious diseases posing a public health risk are explicitly excluded from cover, in line with WHO guidance.
Pre-existing/chronic conditions
Excluded
Chronic or pre-existing illnesses, and claims originating from causes already existing before the policy began, are excluded from cover.
Winter sports cover
Excluded
Claims occurring during or as a result of high-risk activities such as snow skiing are excluded from cover.
Adventure sports cover
Excluded
Claims occurring during or as a result of professional sport, motorized sports, competitions, or high-risk activities such as mountaineering, potholing or diving are excluded from cover.
Pregnancy complications
Conditional
Medical assistance related to pregnancy and childbirth is excluded, except for care required during the first trimester following unforeseeable pregnancy complications.
Personal liability
No limit stated
Not included among the guarantees of this product (assistance, baggage and personal accident cover only).
24/7 assistance helpline
No limit stated
A dedicated assistance phone number is provided, but the available text does not explicitly state 24/7 availability for this product.
Key conditions
Assistance call deadline
In case of hospitalization, the insured person must notify the Assistance Service on the same day, or at the latest within 48 hours, unless physical impossibility is demonstrated.
Unauthorized treatment
Costs for assistance services that were not previously requested from and authorized by the Insurer, or that were carried out without its prior agreement, are not covered, except in cases of force majeure or demonstrated material impossibility.
Purchase while abroad
The policy is sold together with the travel package through the tour operator/travel agent before departure; coverage runs for the period declared to the Insurer, matching the trip's departure and return dates (up to 18 days), and the available conditions do not provide for purchase after the trip has already begun.
Chronic conditions
Chronic or pre-existing illnesses are excluded from cover under this policy.
Pregnancy
Medical assistance related to pregnancy and childbirth is excluded, except for care required during the first trimester following unforeseeable pregnancy complications.
Pre-existing condition exclusions
Claims arising from illnesses, injuries or conditions that already existed before the policy was taken out are excluded from cover.
Coverage duration limit
For each insured person, the insurance contract is deemed concluded for the period declared by the Policyholder to the Insurer, coinciding with the trip's departure and return dates, up to a maximum of 18 days.
Documents
Travel Assistance Insurance – General and Particular Conditions (BUJ001)
Terms & conditions
Policy specifics
Medical repatriation
Coverage for transport or repatriation of insured persons and mortal remains in case of death
SourceClaim notification procedure
Insured must notify the insurer of hospitalization within 48 hours or demonstrate physical impossibility; claims require original receipts and documentary proof
SourceTerritorial scope limitations
Coverage typically valid in Europe excluding Portugal for general assistance, or worldwide depending on policy variant; some specific restrictions apply to conflict zones and sanctioned territories
Source