Una Seguros, S.A.
Una Seguros
Una Seguros is a travel insurance for the Portugal market with no online purchase and limited assistance availability.
Direct payment
The premium is paid in a single installment at the time of subscription. If medical or hospitalization costs abroad exceed the guaranteed limit, or in case of theft or loss of baggage, belongings, or personal documents abroad, the insurer may advance funds to the insured against a prior deposit or a certified cheque of equivalent value.
Geographic scope
Portugal
Coverage varies by plan: the Nacional plan covers travel within Portuguese territory, the Internacional plan covers travel outside Portugal, and the Neve plan covers winter sports destinations; the assistance service is not valid in territories where, due to force majeure, safe and effective service delivery becomes impossible.
Unique selling points
- Three destination-specific plans (Nacional, Internacional, Neve) let customers choose coverage and capital limits suited to their trip type and desired protection level.
- Flight delay guarantee covers hotel and transport costs when departure is delayed more than 12 hours, complementing airline obligations.
- Missed-connection guarantee pays for transport and accommodation at the nearest airport hotel when a connecting flight is missed due to arrival delays.
- Insurer can advance cash to the insured abroad when medical costs exceed the policy limit or after theft/loss of baggage or documents.
- Covers a companion's hotel stay when the insured is hospitalized abroad and cannot be transported or repatriated.
Coverage limits
Medical expenses
Covered
Covers medical and surgical fees, pharmaceutical products prescribed by a physician, and hospitalization expenses incurred abroad, up to the limit set in the particular conditions.
Emergency medical treatment
Covered
In case of accident or illness during the trip abroad, the insurer covers medical and surgical fees up to the limit fixed in the particular conditions.
Hospitalization
Covered
Hospitalization expenses incurred abroad due to accident or illness are covered as part of the same guarantee as medical expenses, up to the limit set in the particular conditions.
Outpatient treatment
No limit stated
Not specified in the available source material.
Emergency dental
No limit stated
Not specified in the available source material.
Medical transport
No limit stated
Not specified in the available source material.
Medical evacuation
No limit stated
Not specified in the available source material.
Repatriation of remains
No limit stated
Not specified in the available source material.
Search and rescue
No limit stated
Not specified in the available source material.
COVID-19 treatment
No limit stated
Not specified in the available source material.
Pre-existing conditions
No limit stated
Not specified in the available source material.
Winter sports cover
Conditional
Only in Neve
The Neve plan is a distinct selectable plan designed for customers who practice winter sports, subject to a lower maximum age limit (70) than the other plans (75).
Adventure sports cover
No limit stated
Not specified in the available source material.
Pregnancy complications
No limit stated
Not specified in the available source material.
Personal liability
Covered
Covers legally required indemnities for non-contractual civil liability for bodily injury and/or material damage caused to third parties by the insured person during private life in the course of the insured trip, excluding liability arising from accidents involving a vehicle driven or owned by the insured.
Legal assistance
No limit stated
Not specified in the available source material.
24/7 assistance
No limit stated
Not explicitly stated as available around the clock for the travel product in the sources reviewed.
Key conditions
Assistance call deadline
Not specified in the available source material.
Unauthorized treatment
Not specified in the available source material.
Purchase while abroad
Not specified in the available source material.
Chronic conditions
Not specified in the available source material.
Pregnancy
Not specified in the available source material.
Pre-existing condition exclusions
Not specified in the available source material.
Coverage duration limit
Travel insurance is a temporary contract taken out for a fixed and determined period, with a maximum duration of 90 days.
Policy specifics
Trip cancellation
Reimbursement of non-recoverable accommodation and transport expenses due to trip cancellation or interruption caused by force majeure
SourceSource no longer reachableFlight delay coverage
Coverage for accommodation and transport costs when flight departure is delayed more than 12 hours and insured person is not in Portugal
SourceSource no longer reachableBaggage loss and damage
Coverage for loss or damage to clothing and personal items transported in luggage delivered to transport company responsibility at trip start
SourceSource no longer reachableDeath and permanent disability
Capital payment in case of death occurring immediately or within 2 years of accident, or permanent disability assessed by disability valuation table
SourceSource no longer reachableHospitalization companion accommodation
Coverage of accommodation expenses for family member or other person when insured person hospitalized abroad and health condition does not permit transport or repatriation
SourceSource no longer reachableConvalescence accommodation
Coverage of hotel accommodation expenses when extended stay required due to accident or illness for recovery or convalescence following medical prescription
SourceSource no longer reachableTransportation to residence
Coverage of transportation expenses to insured person's residence in Portugal when unable to continue or return via original transport means due to accident or illness
SourceSource no longer reachableReturn home due to domicile incident
Covers travel expenses for the insured person to return to their residence when a theft with forced entry, fire, or explosion at home makes it uninhabitable or exposed to further serious damage, requiring the insured's immediate presence.
SourceSource no longer reachableCash advance abroad
If medical and hospitalization expenses abroad exceed the guaranteed limit, or in case of theft or loss of luggage, belongings, or personal documents abroad, the insurer may advance funds to the insured up to the limit set in the particular conditions.
SourceSource no longer reachableAge limits
Subscription conditions restrict coverage to persons aged up to 75 years, except for snow sports product with maximum age of 70 years; minimum age 14 for death risk coverage
SourceSource no longer reachableMaximum coverage duration
Travel insurance is temporary insurance contracted for fixed and determined period with maximum duration of 90 days
SourceSource no longer reachableProduct variants
Three main product variants available: Nacional (domestic Portugal travel), Internacional (international travel), and Neve (winter sports travel)
SourceSource no longer reachableExclusions structure
Travel insurance has exclusions applicable to all coverages and specific exclusions for each coverage; full details require consultation of pre-contractual and contractual information
SourceSource no longer reachableSources
- https://unaseguros.pt/assistencia-em-viagem-conhece-vantagens/Source no longer reachable
- https://unaseguros.pt/contactos/linhas-de-assistencia/Source no longer reachable
- https://unaseguros.pt/particulares/seguro-de-viagem/Source no longer reachable