Ageas Seguros Travel insurance (Viagem Segura)
Underwritten by Ageas Portugal, Companhia de Seguros, S.A. · Portugal
travel insurance from Ageas Seguros for the Portugal market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2019-01Sources
Key facts
- Personal liability up to €25,000 – €75,000
- Ageas Seguros
Unique selling points
Provides accident indemnification anywhere in the world, regardless of travel destination.
Offered in 5 selectable plans (Jovem, Base, Económica, Mais, Executivo) with different coverage levels and capital options to match different traveler needs.
Can be contracted as temporary travel insurance for exactly the period needed, up to 60 days.
Covers virtually all means of transport used during the trip (cars, ships, cruises, trains, buses), except two/three-wheeled motorised vehicles.
Ageas Seguros has been recognised as a 'Best Travel Insurer' award winner alongside Superbrands and 5 Estrelas distinctions.
Coverage limits
Treatment expenses
€1.3K – €5K
Reimbursement of treatment expenses following an accident during the trip. Available in the Viagem Jovem plan (€1,250–€5,000), Viagem Mais plan (€1,250–€5,000) and Viagem Executivo plan (€1,250–€5,000); not available in Viagem Base or Viagem Económica.
Section: Coberturas / Capitais seguros
Despesas de tratamento € 1 250,00 € 2 500,00 € 3 750,00 € 5 000,00
Emergency medical treatment
No limit stated
No separate emergency medical treatment benefit distinct from 'Despesas de tratamento' (treatment expenses) is described in the sources.
Daily hospitalization allowance
€25 – €50
Daily cash benefit of €25 or €50 per day of hospital confinement following an accident, available only under the Viagem Executivo plan (per day, not a total cap).
Section: Coberturas / Capitais seguros > 05 - Viagem Executivo
Internamento hospitalar € 25,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia € 50,00/dia
Emergency dental treatment
No limit stated
Not addressed as a distinct benefit in the reviewed sources.
Medical transport
No limit stated
Not itemised with a specific capital; general 'Assistência em Viagem' (Travel Assistance) is governed by a separate Special Condition without a stated capital.
Section: Coberturas / Capitais seguros > 05 - Viagem Executivo
Assistência em viagem Conforme Condição Especial
Medical evacuation
No limit stated
Not itemised with a specific capital in the sources; potentially covered under the general 'Assistência em Viagem' Special Condition.
Funeral expenses
€2.5K – €5K
Funeral expenses capital of €2,500 or €5,000, available under the Viagem Jovem plan and the Viagem Executivo plan; not available under Viagem Base, Viagem Económica or Viagem Mais.
Section: Coberturas / Capitais seguros
Despesas de funeral € 2 500,00 € 5 000,00 € 5 000,00 € 5 000,00
Pre-existing conditions
No limit stated
Not explicitly addressed regarding pre-existing conditions in the reviewed sources.
Winter sports cover
No limit stated
Not specifically addressed; the general amateur-sport exclusion (which is waivable by express agreement) may apply.
Adventure / amateur sports cover
Optional
Accidents resulting from amateur sports practice are excluded by default (a 'relative exclusion'), but this exclusion can be waived by express agreement with the insurer.
Section: Exclusões e limitações da cobertura > Exclusões relativas
resultantes de prática desportiva, como amador;
Pregnancy complications
Excluded
Consequences of pregnancy or childbirth are explicitly excluded from cover under the general exclusions.
Section: Exclusões e limitações da cobertura > Exclusões gerais
e consequências devidos a gravidez ou parto;
Personal liability
€25K – €75K
Civil liability cover of €25,000 to €75,000, available only under the Viagem Executivo plan.
Section: Coberturas / Capitais seguros > 05 - Viagem Executivo
Responsabilidade civil € 25 000,00 € 25 000,00 € 25 000,00 € 50 000,00 € 50 000,00 € 50 000,00 € 75 000,00 € 75 000,00 € 75 000,00
Legal assistance
No limit stated
Not addressed as a distinct benefit in the reviewed sources for this product.
24/7 travel assistance
Conditional
Travel assistance is available 24 hours a day to help resolve unexpected situations; per the capitals table it is included as a benefit ('Conforme Condição Especial') only under the Viagem Executivo plan, though other plans may add it as an optional cover.
Estamos disponíveis 24h para o ajudar a resolver situações inesperadas, rapidamente.
Key conditions
Assistance call deadline
The accident should preferably be reported by phone to the Travel Assistance line (213 102 450) within a maximum of 8 days; the insurer's IPID separately states the accident claim form must be submitted within 24 hours of becoming aware of it, and fatal accidents must be reported immediately.
Unauthorized treatment
Not specified in the reviewed sources.
Purchase while abroad
Not specified in the reviewed sources.
Chronic conditions
Not specifically addressed in the reviewed sources.
Pregnancy
Accidents whose consequences are due to pregnancy or childbirth are excluded from cover under the general exclusions.
Pre-existing condition exclusions
Not specifically addressed in the reviewed sources.
Coverage duration limit
The policy can be contracted as temporary insurance for the period needed, up to 60 days; the Viagem Jovem plan is mandatory for minors under 14 and optional from age 14, while Viagem Económica, Viagem Mais and Viagem Executivo are for persons over 14 and under 70 years old.
Direct payment
The single premium is due on the contract date and can be paid via direct debit or Multibanco reference; for a more personalised process, payment can also be made by debit card or MB Way through your Mediator.
Territorial scope
Coverage applies anywhere in the world during the trip stated in the Particular Conditions; accidents occurring outside the planned itinerary are excluded except in cases of force majeure.
Documents
Policy specifics
Flight cancellation coverage
Coverage for trip cancellation and delays in flight connections
SourceEm caso de perda de bagagem, despesas médicas ou atrasos no voo.
Baggage loss and theft protection
Coverage for lost or stolen baggage during travel
SourceEm caso de perda de bagagem, despesas médicas ou atrasos no voo.
Accident indemnification
Indemnification in case of accident anywhere in the world
SourceIndemnização em caso de acidente, em qualquer parte do mundo.
Temporary coverage option
Ability to contract insurance for specific period (up to 60 days)
SourcePode contratar o seguro Viagem Segura para o período que precisar , até 60 dias.
Product scope: Personal Accident insurance, not a standalone medical expense policy
Viagem Segura is legally structured as a Personal Accident insurance (Seguro de Acidentes Pessoais); the 'Despesas de tratamento' (treatment expenses) benefit only reimburses treatment costs arising from an accident during the trip, not general illness-related medical expenses.
SourcePage 1Section: Âmbito do risco
O seguro de Acidentes Pessoais – Viagem Segura garante, em consequência de acidente verificado no decurso da viagem referida nas Condições Particulares e de acordo com o estabelecido no contrato, um conjunto de coberturas que integram prestações compensatórias e/ou indemnizatórias
Claim notification deadline
Accident must be reported preferably by phone to Travel Assistance within maximum 8 days
SourceDeve participar o acidente, de preferência por telefone, para a nossa linha de Assistência em Viagem para o número 213 102 450 , até um prazo máximo de 8 dias.
Two-wheeled vehicle exclusion
Coverage excludes two or three-wheeled motorcycles and four-wheeled motorcycles
SourceO seguro Viagem Segura abrange todos os meios de transporte: automóveis, navios, cruzeiros, comboios, autocarros , exceto veículos motorizados de duas ou três rodas e motos-quatro.
24/7 emergency assistance availability
Travel assistance available 24 hours per day to resolve unexpected situations rapidly
SourceEstamos disponíveis 24h para o ajudar a resolver situações inesperadas, rapidamente.
Sources
- ageas.pthttps://www.ageas.pt/media/2248/a1051_ipc_ageas_viagemsegura.pdf#page=1(opens in a new tab)
- ageas.pthttps://www.ageas.pt/media/2248/a1051_ipc_ageas_viagemsegura.pdf#page=4(opens in a new tab)
- ageas.pthttps://www.ageas.pt/mediador-base/produtos/produtos-particulares/viagem-e-lazer/viagem-segura/(opens in a new tab)
- ageas.pthttps://www.ageas.pt/particulares/produtos/viagem-e-lazer/viagem-segura/(opens in a new tab)
Ageas Seguros Travel insurance