Fidelidade
Fidelidade is a travel insurance for the PT market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
PT
Valid for accidents occurring in the country(ies) listed in the Particular Conditions or Adhesion Certificates; covers trips abroad for a maximum of one year; origin must be Portugal unless otherwise stated
Unique selling points
- Unlimited emergency transport and medical evacuation included as standard in all Viagem 2 plans with no upfront payment required — the insurer arranges and pays service providers directly.
- Unlimited repatriation and repatriation of remains covered as standard, with air ambulance used when urgency requires at no additional cost to the insured.
- Capital duplication option available across all Viagem 2 variants, effectively doubling all coverage limits and deductibles for a higher level of protection at a customisable premium.
- Comprehensive modular pack structure with specialist plans for snow sports (Viagem 2 Snow), business travel (Viagem 2 Business) and extended study abroad (Viagem 2 Erasmus), each extending the Viagem 2 base with context-specific coverages.
- Interpreter service included at no extra cost during hospitalisation abroad, covering hospital admission and discharge formalities — a differentiating inclusion not commonly found in entry-level travel policies.
Coverage limits
Medical, pharmaceutical and hospitalisation expenses abroad
Covered
If the insured person is the victim of an accident or sudden illness occurring during the trip, the insurer covers medical and surgical expenses, hospitalisation costs and pharmaceutical costs when medically prescribed. Coverage ceases when urgent immediate medical treatment is no longer necessary or when the insurer's medical team agrees the insured is clinically fit to be transferred to their country of permanent residence. Subject to a €50 deductible.
Emergency medical treatment abroad (accident or sudden illness)
Covered
Covers emergency medical and surgical treatment required as a result of an accident or sudden illness occurring during the trip, subject to prior contact with the insurer's assistance service. Includes coverage for acute dental emergencies (up to €750, with €50 deductible) and video medical consultations (1 occurrence per trip).
Hospitalisation expenses abroad
Covered
Hospitalisation costs (daily rate, diagnostic elements, medications, surgical operations, medical and nursing care) abroad are included within the overall €25,000 medical expenses limit, subject to a €50 deductible. An interpreter service is also provided during hospitalisation abroad at no additional cost.
Treatment expenses in country of origin by accident
Covered
Reimbursement of outpatient treatment expenses incurred in the insured's country of origin (Portugal) for accidents occurring during the trip, up to €2,500. Does not cover treatments performed without a medical prescription or by professionals not duly qualified.
Emergency dental expenses abroad
Covered
The insurer pays for necessary emergency dental treatment required in case of an accident or acute clinical situation, covering treatments that must be performed urgently. The necessity of treatments to be performed is determined by the insurer in collaboration with the treating physician. Subject to a €50 deductible. (Viagem 2 Erasmus plan has a higher limit of €1,000.)
Emergency transport (ambulance or suitable means)
Covered
After an accident or sudden illness, the insurer arranges and pays for transport by ambulance or other suitable means from the scene of the occurrence to the nearest clinic or hospital. In the case of a contagious disease, the insurer's intervention is limited to providing means appropriate to the situation or as recommended by the responsible health authorities. Requires prior contact with the insurer's assistance service.
Repatriation or medical transport in case of accident or illness
Covered
The insurer covers transport costs by appropriate means (including air ambulance when urgency requires) to the hospital centre prescribed by the insurer's medical team or to the insured's habitual domicile, following prior medical assessment. The choice of transport means belongs exclusively to the insurer's medical team. Subject to restrictions in case of epidemic/pandemic declarations if the insured is infected.
Transport after death (repatriation of remains)
Covered
In the event of the insured person's death during the trip, the insurer covers the cost of local formalities and transportation of the body to the place of burial. Also covers return transport for accompanying insured persons who cannot return by originally planned means. Not applicable when the trip has origin and destination exclusively within mainland Portugal. Subject to local health authority rules in case of pandemic.
Search and rescue (standard plan)
Excluded
Search and rescue expenses in ski resorts are not covered under the standard Viagem 2 plan. They are only available as an optional add-on under the Viagem 2 Snow plan (Pack Contexto Snow - unlimited coverage for ski resort search and rescue). Not available in the base Viagem 2 plan.
COVID-19 / contagious disease treatment abroad
Conditional
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.
Pre-existing chronic diseases
Excluded
Medical expenses related to chronic or pre-existing diseases are explicitly excluded from the medical expenses abroad coverage. However, acute manifestations of pre-existing conditions are covered. If the consequences of an accident are aggravated by a pre-existing disease, the insurer's liability is limited to what it would have been had the accident occurred to a person without such disease.
Winter sports cover (standard plan)
Excluded
Practice of snow and ice sports is excluded from all coverages in the standard Viagem 2 plan. It is only covered under the Viagem 2 Snow special condition or if expressly contracted in the Viagem 2 Erasmus plan. The Viagem 2 Snow plan includes full Viagem 2 coverage plus optional snow-specific packs (search and rescue unlimited, equipment damage up to €300, forfait/lesson refund up to €250, cancellation due to lack of snow up to €1,000).
Adventure sports cover (optional add-on)
Optional
Adventure sports are excluded from all coverages unless expressly contracted. The following adventure sports activities can be added jointly as a package: amateur sporting competitions and training; motorised land or water sports (excluding competitions); water sports on boards/skis propelled by motorised means, parachutes or kites (kitesurf); scuba diving; underwater hunting; mountaineering, climbing, slide, rappel, and speleology. Permanently excluded regardless: base jumping, bungee jumping, wingsuit, high altitude mountaineering (above 4,000m), motorised air sports, parachuting, paragliding, hang gliding.
Pregnancy complications
Conditional
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.
Extra-contractual civil liability (Pack 1 - Optional)
Optional
Optional coverage (Pack 1) guaranteeing payment of compensation for bodily and/or material damage caused to third parties in the scope of the insured's private life during the trip. Limit is €100,000 per claim and per year regardless of the number of injured parties. Excludes: vehicle-related accidents, mandatory insurance situations, damage to employees/family/travel companions, damage to objects entrusted to the insured, fines, punitive/exemplary damages.
Legal protection (Viagem 2 standard plan)
Excluded
Legal protection coverage is not included in the standard Viagem 2 plan. It is available as an optional add-on only in the Viagem 2 Erasmus plan (Pack Contexto Erasmus - Optional), covering legal advice (2 claims), criminal defence (€2,000), damage claims (€2,000), rights defence and claims (€2,000), advance of criminal bonds (€2,000), medico-legal assessment (€500), and accompanying for making statements (€500).
24/7 travel assistance services
Covered
The Viagem 2 plan includes a comprehensive set of 24/7 travel assistance services (requiring prior contact with the insurer via +351 214 40 50 08), including: lost flight connections (up to €100), transport service interruption (up to €750), early return of insured (unlimited), health status information (unlimited), tourist information (unlimited), hospitalised insured person accompaniment (transport unlimited, accommodation €75/day up to €750), domicile accompaniment (8 days), accompaniment of companions abroad (unlimited), funds advance (€750), sending of forgotten documents/personal items (€50), loss of ID documents (€50), return trip reorganisation (unlimited), charges for unaccompanied children/dependants (unlimited), school support (€50/day up to €250).
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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.
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.
Pregnancy
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.
pre_existing_conditions
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_duration_limit
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.
Where to buy
Policy specifics
Medical, pharmaceutical and hospitalisation expenses abroad
Core travel medical coverage for accident or sudden illness occurring during trip, including medical and surgical expenses, hospitalization and pharmaceutical costs when medically prescribed
Trip cancellation reimbursement
Reimbursement of paid and irrecoverable expenses if trip is cancelled due to sudden unpredictable medical occurrence, serious accident or death of insured or family member, clinically proven and preventing travel start
Dental expenses from accident
Coverage for dental expenses resulting only from accidents occurring during travel
Baggage loss or damage indemnity
Daily indemnities for loss, misplacement or damage to personal baggage during travel
Unlimited emergency transport
Unlimited emergency transport and medical evacuation services to nearest suitable medical facility during trip
Repatriation or medical transport
Repatriation to country of permanent residence or medical transport when accident or illness requires return to home country
Target market and age limits
Product designed for persons up to 74 years old inclusive, residents of Portugal or those present due to a trip not exceeding 1 year duration
Pregnancy-related complications exclusion
Complications from pregnancy are excluded when incident occurs after 7th month of gestation, or after 4th month for multiple pregnancy or fertility treatment pregnancy
Adventure sports and high-risk activities exclusion
Excluded activities include high altitude mountaineering (above 4000m), base jumping, cave diving, extreme water sports, wild animal hunting, and other adventure sports unless specifically contracted
Prior assistance service notification requirement
For medical incidents during trip, insured must contact assistance service before incurring expenses to benefit from full coverage and direct service arrangement with partner network
Optional coverage packs available
Product offers flexible optional coverage packs that can be added based on trip type and specific needs (e.g., adventure sports, business travel, high-value items)