AXA Travel insurance (Viagem Segura)
Underwritten by Inter Partner Assistance S.A. Sucursal (AXA Partners) · Portugal
travel insurance from AXA for the Portugal market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
Key facts
- AXA
- Starting price: €2.05per tripAs published by the insurer — it does not say who the price is for
Unique selling points
COVID-19 illness is explicitly included within the standard medical-expenses guarantee, with no separate purchase required.
Optional baggage protection can be added from as little as €0.17 per day, letting travellers tailor cover cheaply.
Trip cancellation cover can be added and remains subscribable up until 24 hours before departure.
Cover applies almost everywhere abroad, with only Iran and Syria excluded from the territorial scope.
Customers can choose between two tiers, Classic and Gold, to match coverage capitals to their needs and budget.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€3.5K – €30K
Base cover for medical, surgical, pharmaceutical and hospitalization costs abroad is included in both the Classic and Gold options, subject to a €50 deductible; the exact base capital for each option is set out in the Particular Conditions and is not disclosed in the public IPID. An optional add-on raises the Classic medical expense capital to €30,000. Across the Classic and Gold line, the published range for this single guarantee is €3,500 to €30,000 depending on the option and any additional coverage selected.
Section: Um produto personalizado, adaptado a si e às suas necessidades!
Despesas medicas até ao valor de 30.000 €
Emergency medical treatment abroad
€3.5K – €30K
Emergency medical treatment abroad is covered under the same medical-expenses guarantee described above (not a separate sub-limit); the limit ranges from €3,500 to €30,000 depending on option and add-ons selected.
Section: Que riscos são segurados?
Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).
Hospitalization expenses abroad
€3.5K – €30K
Hospitalization costs abroad are covered within the same combined medical/surgical/pharmaceutical/hospitalization guarantee, not as an independent capital; overall limit €3,500–€30,000 depending on option and add-ons.
Section: Que riscos são segurados?
Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).
Outpatient treatment abroad
No limit stated
Outpatient treatment is not listed as a separately quantified guarantee in the available documents.
Emergency dental treatment abroad
No limit stated
No emergency dental guarantee is disclosed in the reviewed documents.
Sanitary transport of injured or ill insured persons
Covered
Sanitary transport of injured or ill insured persons is covered; the general capital is set in the Particular Conditions and is not disclosed in the IPID. For COVID-19 illness specifically, the sanitary transport/repatriation guarantee is capped at €50,000.
Section: Que riscos são segurados? / Há alguma restrição da cobertura?
Em caso de doença por infeção de COVID-19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de € 50.0000,00.
Medical/sanitary repatriation of injured or ill insured persons
Covered
Medical repatriation is covered; the general capital is not disclosed publicly, but for COVID-19 illness the repatriation/transport guarantee is specifically limited to €50,000.
Section: Há alguma restrição da cobertura?
Em caso de doença por infeção de COVID-19, a garantia de transporte ou repatriamento sanitário está limitada ao valor de € 50.0000,00.
Repatriation of the deceased insured person and family member
Covered
Transport or repatriation of the deceased insured person and an accompanying family member is covered; no numeric limit is disclosed in the reviewed documents.
Section: Que riscos são segurados?
Transporte ou Repatriamento da Pessoa Segura Falecida e seu familiar
Search and rescue
No limit stated
No search-and-rescue guarantee is disclosed in the reviewed documents.
COVID-19 illness medical treatment
€3.5K – €30K
Medical expenses due to COVID-19 illness are explicitly included within the general medical-expenses guarantee (same €3,500–€30,000 range, not a separate capital). If a doctor prescribes medical quarantine, extended accommodation costs are covered up to the daily maximum stated in the Special Conditions; sanitary transport/repatriation for COVID-19 is separately capped at €50,000.
Section: Que riscos são segurados?
Despesas médicas, cirúrgicas, farmacêuticas e de hospitalização no estrangeiro euros (incluiu doença por infeção de COVI-19).
Pre-existing injuries or illnesses
Excluded
Injuries or illnesses that already existed before the start of the trip are excluded from cover.
Section: Que riscos não são segurados?
Lesões ou doenças já existentes antes do início da viagem
Winter sports cover
Excluded
Accidents resulting from winter sports such as skiing and snowboarding are excluded from cover.
Section: Há alguma restrição da cobertura?
Acidentes resultantes da prática desportiva profissional ou amadora federada e respetivos treinos bem como da prática de outros desportos “especiais”, desportos de Inverno, tais como Ski e Snowboard e quaisquer desportos que envolvam veículos motorizados
Adventure and dangerous sports cover
Excluded
Accidents arising from professional or federated amateur sport and training, and from other 'special' or motorized sports of comparable danger, are excluded, as are accidents from using two-wheeled motorized vehicles or quad bikes.
Section: Há alguma restrição da cobertura?
Acidentes resultantes da prática desportiva profissional ou amadora federada e respetivos treinos bem como da prática de outros desportos “especiais”... Acidentes resultantes da utilização pela Pessoa Segura de veículos motorizados de duas rodas ou moto quatro
Pregnancy-related complications and childbirth
Conditional
Childbirth and complications arising from pregnancy are excluded, unless they are unforeseeable and occur during the first six months of pregnancy.
Section: Que riscos não são segurados?
Partos e complicações devidas ao estado de gravidez, salvo se imprevisíveis e ocorridos durante os primeiros seis meses;
Personal liability
No limit stated
No personal liability guarantee is disclosed in the reviewed documents for this product.
Legal assistance
No limit stated
No legal assistance guarantee is disclosed in the reviewed documents for this product.
Key conditions
Assistance call deadline
The insured must contact the assistance company before triggering any travel assistance cover; benefits not requested from the insurer are not guaranteed.
Unauthorized treatment
Benefits that were not requested from the insurer, and expenses incurred without its prior agreement, are not covered, except in cases of force majeure or demonstrated material impossibility.
Purchase while abroad
The reviewed documents do not address purchasing this policy while already abroad; the product is aimed at Portugal residents travelling to a foreign country.
Chronic conditions
Chronic conditions or illnesses that already existed before the trip began are treated as pre-existing conditions and are excluded from cover.
Pregnancy
Childbirth and pregnancy-related complications are excluded unless unforeseeable and occurring within the first six months of pregnancy.
Pre-existing condition exclusions
Injuries or illnesses that existed before the start of the trip are not covered by this policy.
Coverage duration limit
The product is intended for trips abroad where the stay does not exceed 90 days.
Direct payment
Payment must be made at the time of subscribing to the policy and before the contract takes effect, by credit card or a Multibanco reference supplied by the insurer.
Territorial scope
Cover applies abroad only, excluding Iran and Syria
Documents
Policy specifics
Medical, surgical and pharmaceutical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad, with limits ranging from €3,500 to €30,000 depending on the option and additional coverage selected
SourceSection: Um produto personalizado, adaptado a si e às suas necessidades!
Despesas médicas , cirúrgicas, farmacêuticas e de hospitalização no estrangeiro até ao valor de 30.000€
COVID-19 medical assistance and quarantine coverage
Covers medical expenses, symptoms, and contagion of COVID-19, plus extension of accommodation expenses if medical quarantine is prescribed
Sourceo nosso seguro de viagem de férias oferece cobertura de assistência médica em caso de contágio ou sintomas da doença, além de cobrir as despesas de prolongamento da estadia em virtude da necessidade de quarentena médica, se prescrita pelo médico.
Trip cancellation coverage (optional)
Optional coverage for trip cancellation and interruption, available only if cause is specified in general conditions and explicitly contracted up to 24 hours before trip start
SourceA cobertura de cancelamento de viagem pode ser aplicada desde que a causa esteja prevista nas condições gerais do seguro de cancelamento e esta tenha sido expressamente contratada, até às 24 horas que antecedem o início da viagem.
Medical repatriation and sanitary transport
Coverage for sanitary transport and repatriation of injured or ill persons
SourceSection: Conheça as vantagens
Transporte ou Repatriamento Sanitário de Feridos e Doentes
Hotel accommodation extension for hospitalisation support
Coverage for hotel accommodation extension for accompanying person if hospitalization occurs, and extension of hotel stay if hospitalization or sanitary transport not justified
SourceSection: Conheça as vantagens
Pagamento de despesas de estadia em Hotel, para a Pessoa Segura e Acompanhante
Maximum age limit for insured persons
The product is available for individuals with maximum age of 75 years inclusive
SourcePage 1Section: Qual é o tipo de seguro?
Seguro de assistência em viagem para particulares com idade máxima até 75 anos inclusive, com residência em Portugal que viagem para o estrangeiro e cujo período de permanência no país estrangeiro não seja superior a 90 dias.
Portugal residency requirement
The product is available only for residents of Portugal traveling abroad
SourcePage 1Section: Qual é o tipo de seguro?
Seguro de assistência em viagem para particulares com idade máxima até 75 anos inclusive, com residência em Portugal que viagem para o estrangeiro e cujo período de permanência no país estrangeiro não seja superior a 90 dias.
Policy documents delivery
Upon purchase completion, customers receive insurance certificate, General and Special Conditions, and Insurance Product Information Document (IPID) by email
SourceNo final do processo de contratação do seu seguro através do nosso site, receberá no endereço de e-mail indicado, um e-mail de confirmação com os seguintes documentos anexos: certificado de seguro de viagem com os detalhes da viagem, dados das pessoas seguras e coberturas subscritas. Receberá também as Condições Gerais e Especiais e ainda o Documento de informação de produto de seguro (DISPS), correspondente ao produto do seguro contratado.
Pre-authorization requirement for medical assistance
Medical assistance must be requested before seeking medical treatment (except in pharmacies or emergency cases)
SourceÉ condição indispensável o prévio contacto com o Segurador para a ativação de qualquer garantia.
Sources
- subscribe.viagemsegura.pthttps://subscribe.viagemsegura.pt/downloads/ipid/Classic.pdf#page=1(opens in a new tab)
- viagemsegura.pthttps://www.viagemsegura.pt/pt(opens in a new tab)
- viagemsegura.pthttps://www.viagemsegura.pt/pt/destinos/asia(opens in a new tab)
- viagemsegura.pthttps://www.viagemsegura.pt/pt/faqs(opens in a new tab)
AXA Travel insurance