VICTORIA – Seguros, S.A. (with affiliate VICTORIA – Seguros de Vida, S.A.)
VICTORIA
VICTORIA is a travel insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
The travel insurance product page directs customers to 'Pedir Simulação' (request a quote) or 'Encontrar Mediador' (find a mediator/agent) rather than a checkout flow, and no source states that the policy can be purchased end-to-end online. Regarding claims settlement, VICTORIA's assistance-based products (including travel medical assistance) generally work through a 24h assistance/management network: for medical emergencies abroad the insurer's assistance service coordinates and can settle costs directly with the treating hospital/clinic within policy limits, while expenses incurred outside that network, or for other guarantees (e.g., baggage, trip cancellation), are paid to the policyholder afterwards as reimbursement upon presentation of receipts/proof of expense.
Geographic scope
Worldwide
Coverage is valid worldwide, in all countries.
Unique selling points
- Up to €250,000 capital in the event of death or permanent disability during travel.
- Coverage valid worldwide, whether traveling within Portugal or abroad.
- Dedicated 24/7 assistance phone line for medical emergencies abroad.
- Optional enhanced 'PLUS' travel assistance module extending protection for both the traveler and their luggage.
- Dedicated COVID-19 protection clause built into the policy's special conditions.
Coverage limits
Medical treatment expenses abroad
€5,000
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento) of the general terms; the specific capital/limit is set out in the Condições Particulares of each policy and was not disclosed in the T&C index text retrieved.
Emergency medical treatment
€5,000
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.
Hospitalization expenses abroad
€5,000
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.
Outpatient treatment
No limit stated
No evidence of this coverage found in the reviewed sources.
Emergency dental treatment
No limit stated
No evidence of this coverage found in the reviewed sources.
Medical transport
—
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.
Medical evacuation
—
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.
Repatriation of mortal remains
—
Covered under Special Condition 04 (Despesas de Tratamento e Repatriamento); exact limit set in the Condições Particulares.
Search and rescue
No limit stated
No evidence of this coverage found in the reviewed sources.
COVID-19 treatment / protection
—
Covered under Special Condition 09 (Assistência à Pessoa Segura – Proteção COVID-19); exact limit set in the Condições Particulares.
Pre-existing medical conditions
—
The policy defines a pre-existing disease but does not state in the retrieved text whether such conditions are covered or excluded from medical expense coverage.
Winter sports cover
No limit stated
No evidence of this coverage found in the reviewed sources.
Adventure sports cover
No limit stated
No evidence of this coverage found in the reviewed sources.
Pregnancy complications
No limit stated
No evidence of this coverage found in the reviewed sources.
Private civil liability during travel
Optional
Only in CONDIÇÃO ESPECIAL 06
Optional complementary coverage under Special Condition 06 (Responsabilidade Civil Privada em Viagem) for damages caused to third parties during the trip; exact limit set in the Condições Particulares.
Legal assistance
No limit stated
No evidence of this coverage found in the reviewed sources.
24/7 travel assistance line
Covered
Dedicated 24/7 assistance phone line (+351 213 134 382) is included for medical emergencies abroad.
Key conditions
Assistance call deadline
The insured person must contact VICTORIA's assistance services before incurring any expenses for a travel assistance claim; expenses incurred without prior contact may not be reimbursed.
Unauthorized treatment
Failure to comply with the prior notification requirement to the assistance services may result in rejection of the claim.
Chronic conditions
Not confirmed for the standalone travel product; VICTORIA's broader health policies (which include travel-assistance modules) generally exclude chronic psychiatric illnesses beyond set sub-limits (e.g., a limited number of psychiatric consultations and a capped number of days of psychiatric hospitalization per year)
Pregnancy
Not confirmed for the standalone travel product; VICTORIA's broader health/travel-linked policies generally exclude pregnancy conditions manifested before the inclusion date, except when expressly accepted
Pre-existing condition exclusions
A pre-existing disease is defined as any disease or injury with symptoms occurring prior to the date the insurance was subscribed.
Coverage duration limit
For at least one VICTORIA health product's foreign travel emergency cover, expenses are covered for sudden illness or accident occurring during a trip abroad of less than 60 days
Policy specifics
Medical assistance abroad
Coverage for medical expenses, treatment, and emergency medical evacuation while traveling abroad
SourceSource no longer reachableBaggage and personal belongings coverage
Coverage for loss, theft, or damage to luggage and personal belongings during the trip
SourceSource no longer reachableTravel assistance plus (optional enhancement)
Enhanced travel assistance module covering persons and luggage with additional benefits
SourceSource no longer reachableCOVID-19 protection assistance
Specific protection clause for COVID-19 related assistance and coverage during travel
SourceSource no longer reachablePrivate civil liability during travel
Coverage for personal liability for damages caused to third parties during the trip
SourceSource no longer reachablePre-existing medical conditions
Pre-existing disease defined as any disease or injury with symptoms prior to insurance subscription date
SourceSource no longer reachableWorldwide validity
Coverage extends to all countries worldwide with up to €250,000 in capital for death or permanent disability
SourceAssistance services contact obligation
Requirement to contact the insurance company before incurring expenses for travel assistance claims
SourceSource no longer reachable