Lusitania, Companhia de Seguros, S.A.
Lusitania
Lusitania is a travel insurance for the Portugal market with online purchase and limited assistance availability.
Direct payment
The travel assistance service contributes to or pays directly the medical, surgical, pharmaceutical and hospitalization expenses incurred abroad, while the Treatment Expenses guarantee operates on a reimbursement basis for costs already paid by the insured person.
Geographic scope
Worldwide
Valid at any time and in any part of the world, whether traveling for business or leisure.
Unique selling points
- Valid worldwide at any time, whether traveling for business or leisure.
- Easy subscription with immediate protection — just indicate the destination, trip duration, plan and desired capitals.
- Customer-selected sums insured, letting travelers tailor capitals to their specific needs.
- Optional baggage guarantee available across all plans, indemnifying loss of luggage up to the insured value.
- Travel assistance covers dispatch of urgent medicines abroad plus contribution to or payment of medical, surgical, pharmaceutical and hospitalization expenses.
Coverage limits
Treatment expenses
Covered
Guarantees reimbursement of expenses necessary for the treatment of injuries suffered by the insured person; the exact capital is set per policy in the Condições Particulares chosen at subscription.
Emergency medical treatment
No limit stated
Not separately itemized from the general Treatment Expenses guarantee in the available source.
Temporary incapacity / hospitalization daily benefit
Covered
In case of hospitalization, guarantees payment of the daily benefit fixed in the Condições Particulares while the hospital or clinic stay lasts, for a maximum period of 360 days from the date of admission.
Emergency dental care
No limit stated
Not found as a distinct guarantee in the available source.
Medical transport
Covered
The travel assistance service includes transport among its guarantees, alongside medical information, medical control, contribution to accommodation expenses, and dispatch of urgent medicines abroad.
Repatriation of remains
No limit stated
Not found as a distinct guarantee in the available source.
Pre-existing conditions
No limit stated
Not found as a documented guarantee/exclusion for this specific product in the available source.
Adventure sports cover
No limit stated
Not found as a distinct guarantee in the available source.
Pregnancy complications
No limit stated
Not found as a distinct guarantee in the available source.
Personal (civil) liability
Covered
Guarantees, during the trip, the legally required indemnities owed by the insured person for damage caused to third parties, but limited to facts occurring within the scope of their private life; the exact capital is set in the Condições Particulares.
Legal assistance
No limit stated
Not found as a distinct guarantee for this travel product in the available source.
Travel assistance service
Covered
A travel assistance service is included, covering guarantees such as medical information, medical control, contribution to accommodation expenses, dispatch of urgent medicines abroad, and contribution to or payment of medical, surgical, pharmaceutical and hospitalization expenses, plus transport; no 24/7 schedule for this product is stated in the source.
Key conditions
Assistance call deadline
Not specified in the available sources.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Death or permanent disability capitals are only payable if they occur or are clinically established within 2 years of the accident date, and the hospitalization daily benefit is payable for a maximum of 360 days from the date of admission.
Policy specifics
Baggage coverage
Optional baggage guarantee available on all travel insurance plans when contracted; provides indemnity for loss of luggage equal to the insured value
SourceTravel assistance service
Travel assistance service including medical information, medical control, accommodation expense contribution, emergency medicine shipment to abroad, medical/surgical/pharmaceutical/hospitalization expense contribution or payment, and transport
SourcePre-existing conditions exclusion
Diseases or injuries existing before the start of the trip are excluded from coverage
SourceDeath/disability capital limit (72 months)
Death or permanent disability capitals are only due if they occur or are clinically established within 2 years of the accident date; temporary incapacity due to hospitalization is payable for a maximum period of 360 days from hospitalization date
SourceCivil liability limited to private sphere
Civil liability cover guarantees legally required indemnities to the insured person during travel as a consequence of material and non-material damage resulting directly and exclusively from bodily and material injuries caused to third parties, but only for acts occurring within the scope of their private life
Source