Globe Partner Travel insurance (Globe Partner)
Underwritten by MGEN / MGEN Portugal - Companhia de Seguros, S.A. · Portugal
travel insurance from Globe Partner for the Portugal market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2020-10-27Sources
Key facts
- Personal liability up to €4,500,000
Unique selling points
Free choice of doctor, clinic or hospital anywhere in the world.
Fast online subscription with the insurance certificate delivered within minutes.
24/7 multilingual emergency assistance hotline for hospitalizations and urgent situations.
Backed by over 40 years of experience and more than 200,000 clients worldwide.
Competitive pricing with an excellent price-to-quality ratio, priced by residence zone, destination and trip duration.
Coverage limits
Medical Expenses
Not established from the insurer's documents
Reimbursement of actual medical costs up to an annual ceiling of €300,000, covering surgery and hospitalization, consultations, pharmacy, lab analyses, radiography, and paramedical acts.
Section: 14/ Schedule of cover
MEDICAL COSTS (1) Maximum 300,000 € / person year (2)
Emergency Medical Treatment
Not established from the insurer's documents
Consultations, pharmacy, analyses and radiography are covered within the overall €150,000 annual medical expenses ceiling; no separate sub-limit stated.
Hospitalization
Not established from the insurer's documents
Surgery and hospitalization are covered within the overall €150,000 annual medical expenses ceiling. Direct billing can be arranged for hospitalizations exceeding 24 hours.
Section: 3/ Medical expenses, accidental death and dismemberment benefits > How to claim medical, accidental death and dismemberment expenses
For costs of hospitalisation of more than 24 hours, it is possible to obtain an undertaking to pay medical costs by contacting our MEDICAL ASSISTANCE service beforehand, which is available 24 hours a day
Outpatient Treatment
Not established from the insurer's documents
Consultations, pharmacy, lab analyses, radiography and paramedical acts are covered within the overall €150,000 annual medical expenses ceiling.
Section: 14/ Schedule of cover
Consultations, pharmacy, x-ray analyses, paramedic care 100% of actual costs*
Emergency Dental Care
Not established from the insurer's documents
Emergency dental care is reimbursed up to a maximum of €300. A separate sub-benefit covers dental treatment following an accident up to €600.
Section: 14/ Schedule of cover
Emergency dental treatment 100% up to € 300 *
Medical Transport
Not established from the insurer's documents
Medical or sanitary transport/repatriation is included with no stated cap; must be organized and pre-approved by the insurer's assistance platform.
Section: 4/ Assistance benefits > What do we cover?
Repatriation or medical transport If you are ill or injured following a covered event and your state of health requires a transfer, we organize and pay for repatriation
Medical Evacuation
Not established from the insurer's documents
Repatriation/medical evacuation is included with no stated cap, organized via the 24/7 assistance platform; prior insurer approval is required.
Section: 4/ Assistance benefits > What do we cover?
According to the seriousness of the case, repatriation and transport are effected under medical supervision, if necessary, by the most appropriate of the following methods: • special air ambulance
Repatriation of Remains
Not established from the insurer's documents
Repatriation of the body in case of death is covered; the €1,500 cap applies only to funeral costs, while the transport of the body itself has no stated cap.
Section: 4/ Assistance benefits > What do we cover? > Transport of the body in the event of death
In case of death due to a covered event, we will organize and pay for the transport of the body from the place where the body was placed in the coffin to the international airport nearest your home address.
Search and Rescue
Not established from the insurer's documents
Search and rescue costs at sea or in the mountains are covered up to €3,000.
Section: 4/ Assistance benefits > What do we cover? > Payment of search costs
We will pay for the costs of sea or mountain searches following an event which endangers your life, up to the amount given in the schedule of cover.
COVID-19 Treatment
Not established from the insurer's documents
Not addressed as a distinct benefit in the reviewed documents.
Pre-existing Conditions
Not established from the insurer's documents
Illnesses and accidents that occurred prior to the contract's effective date are excluded from all guarantees.
Section: 7/ Excluded risks for all benefits
expenses related to pre-existing conditions: consequent to accidents or illnesses which occurred prior to the effective date of the contract,
Winter Sports Cover
Not established from the insurer's documents
Not addressed in the reviewed documents.
Adventure Sports Cover
Not established from the insurer's documents
Not addressed in the reviewed documents.
Pregnancy Complications
Not established from the insurer's documents
Unforeseeable pregnancy complications are covered under assistance, but in all cases coverage stops from the 32nd week of pregnancy onward.
Section: 4/ Assistance benefits > What are the exclusions of the Assistance cover?
states of pregnancy unless unforeseen complications, and in all cases from the 32nd week of pregnancy,
Personal Liability
Not established from the insurer's documents
Personal liability for private life or training internships is covered: bodily injury capped at €4,500,000, material and immaterial damages capped at €450,000, and objects entrusted during internships capped at €11,500. A deductible of €100 per claim applies.
Section: 14/ Schedule of cover > LEGAL LIABILITY
Personal injury € 4 500 000 Damage to property and consequential losses therefrom € 450 000 Objects entrusted during a period of traineeship € 11 500
Legal Assistance Abroad
Not established from the insurer's documents
Legal assistance abroad for an involuntary breach of local law covers legal fees up to €3,000; a separate penal bail advance of up to €7,000 is also available, repayable to the insurer once refunded.
Section: 4/ Assistance benefits > What do we cover? > Legal assistance abroad
We will pay the fees of legal representatives whom you call upon, up to the amount given in the schedule of cover, if you are being prosecuted for unintentionally breaking the law of the foreign country in which you are traveling.
24/7 Assistance
Not established from the insurer's documents
A 24/7 multilingual emergency assistance hotline is available to activate cover, including for hospitalizations exceeding 24 hours.
Section: How to be reimbursed ?
For hospitalisation of more than 24 hours, you can activate your cover by calling our assistance platform available 24/7.
Key conditions
Assistance call deadline
The insurer's prior agreement must be obtained before taking any initiative or incurring any expense under the assistance guarantee; original transport tickets must be returned when the insurer organizes transport.
Unauthorized treatment
A prior agreement request (medical report and detailed quote) must be sent to the insurer before hospitalization, surgery, radiography or medical treatment; failure to comply with contractual obligations may result in nullity of the contract or loss of guarantee.
Purchase while abroad
Subscribing after departure is possible, but an 8-day waiting period will then apply to all benefits from the contract's effective date; no waiting period applies if subscribed before departure.
Chronic conditions
Chronic diseases are not addressed as a separate category; they fall under the general exclusion of illnesses and accidents that occurred prior to the contract's effective date.
Pregnancy
Pregnancy is excluded except for unforeseeable complications, and in all cases coverage ends from the 32nd week of pregnancy onward.
Pre-existing condition exclusions
Illnesses and accidents that occurred before the contract's effective date are excluded from all guarantees.
Coverage duration limit
The contract is concluded for a fixed term as specified in the particular conditions; it cannot be cancelled or refunded mid-term. It ends at the stated term date, upon the insured's definitive return/repatriation to their country of residence, or upon termination of the master contract between the Globe Partner Association and the insurer.
Direct payment
Direct billing (guarantee of payment) can be arranged with the insurer for hospitalizations exceeding 24 hours. Prior authorization (a request for prior agreement with medical report and detailed quote) must be sent to the insurer before hospitalization, surgery, radiography, or medical treatment. For other claims under €500, reimbursement requests can be submitted by email; larger claims require original invoices sent by post.
Territorial scope
Option 1: benefits apply within the European Union, excluding the insured's country of residence. Option 2: benefits apply worldwide, excluding the insured's country of residence and North Korea. Students also retain medical expense cover for up to 30 days per contract year during temporary returns to their home country in case of medical emergency, capped at €15,000.
Documents
Globe Partner - Information Booklet (English) (opens in a new tab)
Terms & conditions · PDF
Globe Partner - Information Booklet (English) (opens in a new tab)
Terms & conditions · PDF
Globe Partner - Full Terms and Conditions (English) (opens in a new tab)
Terms & conditions · PDF
Globe Partner Brochure (opens in a new tab)
Other document · PDF
Globe Partner Product Page (opens in a new tab)
Other document · PDF
Policy specifics
Accidental Death and Dismemberment
Coverage for accidental death and permanent disability benefits resulting from accidents during travel
SourcePage 1Section: What is insured? > Accidental death and Dismemberment benefits
Accidental death and Dismemberment benefits ✓ Non-accidental death benefit: €1 000 ✓ Accidental death benefit: €8 000 ✓ Permanent disability benefit further to an accident: €30 000
Legal Liability
Coverage of legal liability that may occur during private life, including personal injury and property damage caused to third parties
SourcePage 1Section: What is insured? > Legal liability
Legal liability ✓ Personal injury: limited to €4 500 000 ✓ Damage to property and consequential losses therefrom: limited to €450 000
Luggage Insurance
Coverage for luggage, personal effects, and objects taken during travel or purchased during the journey, including loss, theft, or damage
SourcePage 3Section: What is insured? > Luggage insurance
During the outward / return journey, luggage, objects and personal effects under the responsibility of the transport company, limited to €1 150 in addition to the reimbursement from the transport company, in the event of : Theft and loss, Total or partial destruction.
Assistance Benefits
Assistance services including repatriation, medical coordination, and emergency support during travel
SourcePage 1Section: What is insured? > Assistance benefits
Assistance benefits ✓ Repatriation or Medical transport ✓ Visit of a relative in case of hospitalization > 7 days
Age Eligibility
Members of Globe Partner Association under 40 years of age are eligible for the standard Globe Partner product
SourcePage 1Section: What is this type of insurance?
The « Globe Partner » product has been subscribed by the Globe Partner Association on behalf of its members aged under 40 travelling outside their country of habitual residence.
Geographic Scope
Benefits apply worldwide, to the exclusion of the country of residence and North Korea
SourcePage 4Section: Where am I covered?
Benefits apply worldwide, to the exclusion of the country of residence and North Korea.
Contract Term
Contract is concluded for a fixed term, maximum 12 months, non-cancellable and non-refundable once started except in specified cases
SourcePage 2Section: How do I cancel the contract?
The contract is subscribed for a fixed term without tacit renewal and cannot be cancelled or refunded once started.
Premium Payment
Premiums must be paid entirely at enrollment before the beginning of coverage; payment methods include credit card
SourcePage 2Section: When and how do I pay?
Premiums must be paid entirely at enrolment. Payment can be made by credit card.
Globe Partner Association Membership
Acceptance of coverage is subject to membership to the Globe Partner Association and acceptance by the insurer
SourcePage 2Section: When does the cover start and end?
Acceptance of coverage is subject to the membership to the Globe Partner Association and acceptance by the insurer.
Waiting Period
Not established from the insurer's documents
No waiting period applies if subscription made before departure; 8-day waiting period applies if subscribed after departure
SourceThird-party source, not the insurer's documentSection: How to subscribe Globe Partner travel insurance ?
For subscriptions before your departure abroad, no waiting period will be applied to your contract. If you subscribe after your departure, a waiting period of 8 days will be applied to all the benefits, from the effective date of your contract.
Sources
- ccmassurance.comhttps://ccmassurance.com/assets/insurance-policy-files/ipid.globe_partner-EN.pdf#page=3(opens in a new tab)
- ccmassurance.comhttps://ccmassurance.com/assets/insurance-policy-files/ipid.globe_partner-EN.pdf#page=4(opens in a new tab)
- ccmassurance.comhttps://ccmassurance.com/assets/insurance-policy-files/ipid_GTC.en-1-10-24.pdf#page=1(opens in a new tab)
- ccmassurance.comhttps://ccmassurance.com/assets/insurance-policy-files/ipid_GTC.en-1-10-24.pdf#page=2(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=10(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=11(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=12(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=16(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=21(opens in a new tab)
- acs-ami.comhttps://www.acs-ami.com/files/pdf/Globe-IB-en.pdf#page=9(opens in a new tab)
Globe Partner Travel insurance