Inter Partner Assistance, S.A. - Portugal Branch (trading as AXA Partners / Viagem Segura)
AXA
AXA is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide abroad, excluding Iran and Syria
Cover applies abroad only, excluding Iran and Syria
Starting price
€2
Indicative — pricing assumptions not stated
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
€3,500 – €30,000
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.
Emergency medical treatment abroad
€3,500 – €30,000
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.
Hospitalization expenses abroad
€3,500 – €30,000
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.
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.
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.
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.
Search and rescue
No limit stated
No search-and-rescue guarantee is disclosed in the reviewed documents.
COVID-19 illness medical treatment
€3,500 – €30,000
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.
Pre-existing injuries or illnesses
Excluded
Injuries or illnesses that already existed before the start of the trip are excluded from cover.
Winter sports cover
Excluded
Accidents resulting from winter sports such as skiing and snowboarding are excluded from cover.
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.
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.
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.
24/7 assistance helpline
No limit stated
The FAQ mentions a specialized team available by phone, but no source explicitly states 24/7 or round-the-clock hours 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.
Where to buy
Documents
Insurance Product Information Document — Viagem Segura Classic
IPID
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
SourceCOVID-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
SourceTrip 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
SourceMedical repatriation and sanitary transport
Coverage for sanitary transport and repatriation of injured or ill persons
SourceHotel 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
SourceMaximum age limit for insured persons
The product is available for individuals with maximum age of 75 years inclusive
SourcePortugal residency requirement
The product is available only for residents of Portugal traveling abroad
SourcePolicy documents delivery
Upon purchase completion, customers receive insurance certificate, General and Special Conditions, and Insurance Product Information Document (IPID) by email
SourcePre-authorization requirement for medical assistance
Medical assistance must be requested before seeking medical treatment (except in pharmacies or emergency cases)
Source