MAPFRE Travel insurance (Assistencia Em Viagem)
Underwritten by MAPFRE Seguros Gerais, S.A. · Portugal
travel insurance from MAPFRE for the Portugal market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2026-01-13Sources
Unique selling points
No excess applies except a 30 km mileage franchise for medical assistance claims within Portugal.
Family or group policies can include up to 10 people under a single contract.
24-hour travel assistance service backing medical, transport and repatriation guarantees.
Two selectable tiers, Standard and Plus, let customers raise capital limits and add extras such as ATM-robbery cover and pet veterinary expenses.
Worldwide coverage for both leisure and business trips, with instant online simulation and purchase.
Coverage limits
Medical expenses abroad
€17.5K – €37.5K
Covers hospitalization, surgery, doctor's fees, nursing care and prescribed medication while the insured person is abroad; limit is €17,500 under the Standard tier and €37,500 under the Plus tier, subject to a policy excess stated in the Particular Conditions.
Section: ANEXO 2 > Assistência a Pessoas
Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€
Emergency medical treatment abroad
€17.5K – €37.5K
Emergency medical treatment abroad (consultations, urgent procedures) is covered under the same limit as medical assistance expenses: €17,500 (Standard) / €37,500 (Plus).
Section: ANEXO 2 > Assistência a Pessoas
Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€
Hospitalization abroad
€17.5K – €37.5K
Hospitalization costs abroad are included within the overall medical assistance limit of €17,500 (Standard) / €37,500 (Plus).
Section: ANEXO 2 > Assistência a Pessoas
Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€
Outpatient treatment abroad
€17.5K – €37.5K
Outpatient medical care abroad is covered within the same €17,500 (Standard) / €37,500 (Plus) medical assistance limit.
Section: ANEXO 2 > Assistência a Pessoas
Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€
Emergency dental treatment
€150
Emergency dental treatment costs are covered up to €150, the same limit under both the Standard and Plus tiers.
Section: ANEXO 2 > Assistência a Pessoas
Sublimite Gastos odontológicos 150€ 150€
Medical transport
unlimited
Medical transport of the insured person to the nearest adequate hospital/clinic by ambulance or other appropriate means is unlimited under both tiers.
Section: ANEXO 2 > Assistência a Pessoas
Transporte ou repatriamento sanitário em caso de doença ou acidente Ilimitado Ilimitado
Medical evacuation / repatriation
unlimited
Medical repatriation/evacuation by sanitary aircraft or other adequate means is unlimited in both tiers; however, when repatriation by air ambulance is carried out to or from a country outside Europe, the cost is capped at €100,000.
Section: Assistência em Viagem > Artigo 5º > 1. Transporte ou Repatriamento Sanitário em caso de doença ou acidente
Quando o repatriamento por avião sanitário for realizado desde ou para um país fora da Europa, o custo do mesmo ficará sujeito a um limite máximo de 100.000 EUR (cem mil euros).
Repatriation of mortal remains
unlimited
Repatriation of the deceased insured person's remains from abroad to Portugal, including funeral formalities, is unlimited in both tiers.
Section: ANEXO 2 > Assistência a Pessoas
Repatriamento da pessoa segura falecida Ilimitado Ilimitado
Search and rescue
Excluded
Search-and-rescue operations in the desert, on mountain summits/peaks or at sea are expressly excluded from this cover.
Section: Assistência em Viagem > Artigo 4.º Exclusões Gerais
Operações de busca e resgate no deserto, cumes, montanhas e mar.
COVID-19 / pandemic treatment
Excluded
Illnesses arising from an epidemic or pandemic officially declared by competent local, national or international authorities (including the WHO) are excluded from this cover.
Section: Assistência em Viagem > Artigo 4.º Exclusões Gerais
Os causados ou derivados de qualquer doença endémica, doença infeciosa que apareça repentinamente e se propague rapidamente, epidemia ou pandemia que tenha sido declarada por parte das autoridades competentes
Pre-existing conditions
€1.8K – €3.8K
Pre-existing conditions are generally excluded, except for an acute manifestation constituting a life-threatening emergency (urgência vital), which is covered only until the patient is stabilised, up to a sublimit of €1,750 (Standard) / €3,750 (Plus), limited to one claim per policy/trip.
Section: ANEXO 2 > Assistência a Pessoas
Sublimite Pré-existências 1750€ 3 750€
Winter sports cover
Optional
Winter sports are excluded by default but can be covered as an optional extension against payment of an additional premium, as stated in the Particular Conditions.
Section: Responsabilidade Civil > Artigo 3.º Exclusões
Exceto quando expressamente contratadas as respetivas coberturas nas Condições Particulares, a presente Condição Especial não garante: ... Desportos praticados sobre a neve ou gelo
Adventure / high-risk sports cover
Optional
High-risk sports and adventure activities (e.g. climbing, paragliding, scuba diving, motor sports) are excluded unless expressly contracted as an optional extension with an additional premium.
Section: Responsabilidade Civil > Artigo 3.º Exclusões
Alpinismo ou escalada; ... Paraquedismo, queda livre, parapente ... Mergulho com utilização de sistemas auxiliares de respiração (garrafas)
Pregnancy complications / newborn care
€5K
Medical assistance to a newborn not included as an insured person, resulting from unforeseeable complications of the insured mother's pregnancy during the trip, is covered up to €5,000, deducted from the mother's contracted capital; normal/uncomplicated deliveries, deliveries after the 31st week of pregnancy, and deliveries abroad after the 36th week are excluded.
Section: Assistência em Viagem > Artigo 5.º > 5. Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro
A assistência médica a recém-nascidos durante a viagem, resultante de complicações imprevisíveis na gravidez da pessoa segura e que não tenham sido incluídos como pessoas seguras na apólice, estará coberta até ao limite de 5.000,00 EUR
Personal liability
Optional
Personal (non-professional) civil liability for bodily injury or property damage caused to third parties during the trip is available as an optional complementary cover; its capital is set out in the Particular Conditions and is not listed in the Standard/Plus benefits table.
Section: Responsabilidade Civil > Artigo 1.º – Cobertura
Esta cobertura garante, até ao limite estabelecido nas Condições Particulares, as indemnizações que, nos termos da lei, sejam exigidas à pessoa segura com fundamento em responsabilidade civil extracontratual
Legal assistance abroad
Optional
Legal defence costs abroad related to a covered civil liability claim are provided when the optional Civil Liability cover has been contracted; no separate capital is stated for this benefit in the Standard/Plus limits table.
Section: Responsabilidade Civil > Artigo 9.º - Defesa Jurídica
A MAPFRE pode intervir em qualquer processo judicial ou administrativo em que se discuta a obrigação de indemnizar cujo risco seja objeto desta cobertura, suportando os custos daí decorrentes.
24/7 assistance line
Covered
MAPFRE provides a dedicated travel assistance phone line to coordinate medical, transport and other emergency services described in the Travel Assistance special condition; the official product page advertises round-the-clock (24h) assistance, although certain ancillary services such as the 'Traveller Consultation' operate only Monday-Friday, 9am-7pm.
Section: Vantagens
Assistência 24h em qualquer lugar do mundo
Key conditions
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.
Direct payment
Most benefits are paid as reimbursement against original invoices/receipts submitted by the insured person, while urgent assistance services (transport, repatriation, hospital coordination) are arranged and paid directly by MAPFRE's assistance network; a policy excess (franquia) applies to certain medical claims and must be borne by the insured person.
Territorial scope
Trips must start and/or end in Portugal; cover extends worldwide except to countries in a state of war or subject to interdiction, as specified in the Particular Conditions
Documents
Policy specifics
Medical assistance limit
Medical expenses coverage appears to have defined limits per incident or total per policy period, with values referenced in policy conditions
SourceSection: Coberturas > Morte (durante a viagem ou estadia)
Garante o pagamento do capital estabelecido nas Condições Particulares, em caso de morte da pessoa segura, causada por acidente pessoal, ocorrido durante a vigência da Apólice
Trip duration limit
Travel insurance appears to be temporary coverage with maximum trip duration of up to 60 days, after which coverage terminates
SourceSection: FAQs sobre seguro viagem > O que é o seguro viagem mapfre e como funciona?
O seguro viagem mapfre é um seguro temporário para viagens até 60 dias , que oferece proteção completa
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
SourceSection: FAQs sobre seguro viagem > Quem pode contratar o seguro viagem mapfre?
Qualquer residente em Portugal, entre 0 e 70 anos.
Territorial scope exclusion
Policy does not cover the insured's country of origin or country of passport issuance, with exceptions specified in policy conditions
SourceSection: FAQs sobre seguro viagem > O seguro cobre viagens nacionais e internacionais?
Sim, exceto países interditos (ex.: Afeganistão, Síria, Ucrânia). Consulte a lista completa antes de contratar.
Group coverage option
Policy allows inclusion of multiple persons (up to 4-10 family members) under a single insurance contract
SourceSection: FAQs sobre seguro viagem > O seguro é indicado para viagens em família ou trabalho?
Pode incluir até 10 pessoas na mesma apólice.
Medical repatriation service
Assistance services guarantee repatriation of insured in case of serious illness or accident requiring medical attention abroad
SourceSection: Coberturas > Assistência em Viagem
Garante, até aos valores mencionados na Apólice, a prestação dos serviços de assistência, quando necessários no decurso da viagem.
Direct billing for medical services
Medical assistance may be provided through direct billing agreements with healthcare providers in covered territories
SourceSection: Modalidades
Assistência sanitária por doença ou acidente das pessoas seguras deslocadas no estrangeiro 17.500€ 37.500€
Pandemic exclusion clause
Diseases covered under officially declared pandemic situations may be excluded from coverage
SourceSection: FAQs sobre seguro viagem > O seguro cobre despesas médicas por COVID-19?
Sim, é considerada doença comum. Exclusão: pandemias declaradas.
High-risk activities exclusion
High-risk sports and adventure activities are excluded unless specifically contracted as optional coverage
SourceSection: FAQs sobre seguro viagem > O seguro cobre desportos radicais ou busca e salvamento?
Não. Atividades de risco elevado estão excluídas.
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.
SourceClause Art. 4.ºPage 11Section: Assistência em Viagem > Artigo 4.º Exclusões Gerais
Os serviços que a pessoa segura tenha contratado por sua conta, sem a prévia autorização da MAPFRE.
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.
SourceClause Art. 5.ºPage 13Section: Assistência em Viagem > Artigo 5.º > 4. Assistência sanitária por doença ou acidente das pessoas seguras deslocadas em Portugal
Só são cobertos os casos de pré-existência em situação de Urgência vital até à estabilização da pessoa segura, limitado ao valor descrito nas condições especiais; limitado a 1 sinistro por apólice ou por viagem
Sources
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=11(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=12(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=13(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=14(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=24(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=5(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=8(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/media/CG_AP_Viagem_FormReduzido_13012026.pdf#page=9(opens in a new tab)
- mapfre.pthttps://www.mapfre.pt/particulares/seguro-viagem/(opens in a new tab)
MAPFRE Travel insurance