MAPFRE - Seguros Gerais, S.A.

Assistance call deadline

The insured person (or their family, if incapacitated) must contact MAPFRE's assistance service before arranging any treatment or service; if prior contact is impossible, it must be made as soon as possible.

Unauthorized treatment

Services or expenses arranged by the insured person on their own account, without MAPFRE's prior authorisation, are not covered.

Purchase while abroad

Insurance cannot be purchased once the trip has already started; a person who began travelling before taking out the policy is not considered an insured person, and MAPFRE's FAQ confirms the policy must be purchased before departure.

Chronic conditions

Chronic or pre-existing illnesses are excluded in general, except for an acute, unforeseen manifestation of the chronic condition requiring immediate care, which may be covered as a life-threatening emergency up to the pre-existing-conditions sublimit.

Pregnancy

Pregnancy is covered only for unforeseeable complications; normal/uncomplicated childbirth, births from the 31st week of gestation onward, births abroad from the 36th week, and non-medically justified voluntary termination of pregnancy are excluded.

Pre-existing condition exclusions

Pre-existing illnesses or injuries are excluded from cover, unless there is an acute manifestation representing a life-threatening emergency, which is covered only until the insured person is stabilised, within the pre-existing-conditions sublimit and limited to one claim per policy or trip.

Coverage duration limit

Travel Assistance guarantees apply only during the first 90 days of the trip (unless a longer period is agreed in the Particular Conditions), and the policy's general exclusions bar trips lasting more than 90 consecutive days; note that MAPFRE's public product page separately advertises this as insurance 'for trips up to 60 days', a figure that conflicts with the 90-day rule stated in the policy wording.

Medical assistance limit

Medical expenses coverage appears to have defined limits per incident or total per policy period, with values referenced in policy conditions

Trip duration limit

Travel insurance appears to be temporary coverage with maximum trip duration of up to 60 days, after which coverage terminates

Age restriction for insured persons

Insured persons cannot be 70 years of age or older at the start of travel. Age limit excludes elderly travelers

Territorial scope exclusion

Policy does not cover the insured's country of origin or country of passport issuance, with exceptions specified in policy conditions

Group coverage option

Policy allows inclusion of multiple persons (up to 4-10 family members) under a single insurance contract

Medical repatriation service

Assistance services guarantee repatriation of insured in case of serious illness or accident requiring medical attention abroad

Direct billing for medical services

Medical assistance may be provided through direct billing agreements with healthcare providers in covered territories

Pandemic exclusion clause

Diseases covered under officially declared pandemic situations may be excluded from coverage

High-risk activities exclusion

High-risk sports and adventure activities are excluded unless specifically contracted as optional coverage

Prior authorisation requirement

Any service or expense that the insured person arranges on their own initiative, without MAPFRE's prior authorisation (except in cases of force majeure), is excluded from cover.

Pre-existing conditions sublimit

Pre-existing conditions are covered only as an acute, life-threatening emergency (urgência vital) until the insured person is stabilised, capped at €1,750 under Standard and €3,750 under Plus, limited to one claim per policy or trip.