Lusitania Travel insurance (Seguro Viagem)
Underwritten by Lusitania Seguros · Portugal
travel insurance from Lusitania for the Portugal market, with online purchase.
Last verified Aug 26, 2026Sources
Key facts
- Lusitania
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.
Section: Coberturas > Despesas de Tratamento
Garante o reembolso, das despesas necessárias para o tratamento das lesões sofridas pela Pessoa Segura.
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.
Section: Coberturas > Incapacidade Temporária
Garante, em caso de Internamento Hospitalar, o pagamento do subsídio diário fixado nas Condições Particulares enquanto subsistir o internamento em hospital ou clínica e por um período não superior a 360 dias, a contar da data do internamento da Pessoa Segura.
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.
Section: Coberturas > Assistência em Viagem
Serviço de assistência em viagem, que contempla garantias como: Informação médica, controlo médico, comparticipação nas despesas de estadia, envio de medicamentos de urgência para o estrangeiro, comparticipação ou pagamento das despesas médicas, cirúrgicas, farmacêuticas e de hospitalização e transporte, entre outros.
Pre-existing conditions
No limit stated
Not found as a documented guarantee/exclusion for this specific product 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.
Section: Coberturas > Responsabilidade Civil
Garante, durante a viagem, as indemnizações que legalmente sejam exigíveis à pessoa segura, em consequência de danos patrimoniais e não patrimoniais direta e exclusivamente decorrentes de lesões corporais e materiais causadas a terceiros, por factos ocorridos no âmbito da sua vida privada.
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.
Section: Coberturas > Assistência em Viagem
Serviço de assistência em viagem, que contempla garantias como: Informação médica, controlo médico, comparticipação nas despesas de estadia, envio de medicamentos de urgência para o estrangeiro, comparticipação ou pagamento das despesas médicas, cirúrgicas, farmacêuticas e de hospitalização e transporte, entre outros.
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.
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.
Territorial scope
Valid at any time and in any part of the world, whether traveling for business or leisure.
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
SourceSection: Descubra as vantagens do nosso Seguro Viagem
A bagagem é uma garantia opcional em todos os planos do seguro de viagem e, quando subscrita, salvaguarda, em caso de perda da bagagem a indemnização correspondente ao valor seguro.
Travel 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
SourceSection: Coberturas > Assistência em Viagem
Serviço de assistência em viagem, que contempla garantias como: Informação médica, controlo médico, comparticipação nas despesas de estadia, envio de medicamentos de urgência para o estrangeiro, comparticipação ou pagamento das despesas médicas, cirúrgicas, farmacêuticas e de hospitalização e transporte, entre outros.
Pre-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
SourceSection: Coberturas > Morte ou Invalidez Permanente
Os capitais só são devidos se estas ocorrerem ou forem clinicamente constatadas no decurso de 2 anos a contar da data do acidente.
Civil 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
SourceSection: Coberturas > Responsabilidade Civil
Garante, durante a viagem, as indemnizações que legalmente sejam exigíveis à pessoa segura, em consequência de danos patrimoniais e não patrimoniais direta e exclusivamente decorrentes de lesões corporais e materiais causadas a terceiros, por factos ocorridos no âmbito da sua vida privada.