White Horse Insurance Travel insurance (Travel Medical Secure Protect Ultimate)
Underwritten by White Horse Insurance Ireland dac · Portugal
travel insurance from White Horse Insurance for the Portugal market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2024-07Sources
Key facts
- White Horse Insurance
Unique selling points
White Horse Insurance offers travel, gadget and wedding cover across Europe and the UK, tailored to niche short-duration insurance needs.
Comprehensive trip protection designed to give travellers peace of mind wherever they go.
Policyholders have access to a 24-hour, 365-day emergency assistance service for medical advice, hospital admission and authorising medical expenses.
Tiered Secure/Protect/Ultimate cover levels let travellers choose the level of protection that best matches their trip.
Coverage limits
Emergency Medical and Other Expenses
£5M – £10M
Emergency medical and other expenses are covered up to £5,000,000 under the Secure tier and up to £10,000,000 under the Protect and Ultimate tiers.
Emergency Medical Treatment
£5M – £10M
Same Section B benefit as medical expenses: up to £5,000,000 (Secure) and up to £10,000,000 (Protect/Ultimate) for emergency medical treatment abroad.
Hospital Benefit
Covered
No limit stated
Policy includes a dedicated Section C – Hospital Benefit, but the specific monetary limit was not stated in the retrieved policy text.
Outpatient Treatment
Covered
No limit stated
Outpatient treatment is covered on a reimbursement basis: the policyholder pays the hospital or clinic and claims back the cost, but a specific sub-limit was not stated in the retrieved text.
Emergency Dental Treatment
No limit stated
No specific emergency dental limit or confirmation of inclusion was found in the retrieved sources for this product.
Medical Transport
Covered
No limit stated
Transport arrangements to hospital or home are managed by the Emergency Assistance Service as part of Section B, but a specific monetary limit was not stated in the retrieved text.
Medical Evacuation
Covered
No limit stated
The Emergency Assistance Service arranges evacuation/transport home when medically necessary, but a specific monetary limit was not stated in the retrieved text.
Repatriation of Remains
Covered
No limit stated
Emergency medical repatriation is a standard benefit under the policy, but a specific monetary limit was not stated in the retrieved text.
Pre-existing Conditions Cover
No limit stated
The policy requires declaration and written acceptance of pre-existing medical conditions; no coverage limit for accepted conditions was stated in the retrieved text.
Winter Sports Cover
Optional
There is no cover for Emergency Medical and Other Expenses, Personal Accident and/or Personal Liability arising from winter sports unless the additional premium has been paid, as offered as an optional extension.
Hazardous/Adventure Sports Cover
Optional
Hazardous sports cover is listed as an optional extension on the official product page; no specific limit is stated.
Section: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Personal Liability
Covered
No limit stated
The policy includes a dedicated Section G – Personal Liability, but the specific monetary limit was not stated in the retrieved text.
Key conditions
Assistance call deadline
If you suffer a serious illness or bodily injury on your trip, you must contact the Emergency Assistance Service if this leads to hospital treatment as an inpatient, or before arrangements are made to transport you home.
Unauthorized treatment
Failure to keep to the policy's claims and general conditions may result in the insurer cancelling the policy, refusing to deal with a claim, or reducing the claim payment.
Purchase while abroad
Not specified in the available policy documentation.
Chronic conditions
Not specified separately from pre-existing conditions in the available policy documentation.
Pregnancy
Not specified in the available policy documentation.
Pre-existing condition exclusions
All pre-existing medical conditions must be declared; cover only applies if the condition has been declared and accepted in writing by the insurer.
Coverage duration limit
Not specified in the available sources; the policy wording references trip duration and maximum age rules but the specific limits were not found in the retrieved text.
Direct payment
For simple outpatient treatment, the policyholder must pay the hospital or clinic directly and claim back the medical expenses from White Horse afterwards; direct authorisation of expenses is arranged by the Emergency Assistance Service for inpatient cases.
Territorial scope
Coverage varies by policy; policyholders must review their specific policy wording to understand the territorial scope provided under their plan.
Documents
Policy specifics
Winter sports cover
Optional extension available for winter sports activities
SourceSection: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Cruise cover
Optional extension for cruise-based trips
SourceSection: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Business trips cover
Optional extension for business travel
SourceSection: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Hazardous sports cover
Optional extension for hazardous/adventure sports activities
SourceSection: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Excess waiver
Optional extension to waive policy excess on claims
SourceSection: Travel Insurance
Optional extensions include winter sports, cruise cover, gadget cover, wedding cover, business trips, hazardous sports and excess waiver
Emergency medical expenses
Cover for emergency medical treatment and expenses incurred during travel
SourceMedical repatriation
Cover for emergency medical repatriation to home country or appropriate medical facility
SourcePre-existing medical conditions disclosure
Requirement to declare all pre-existing medical conditions; only covered if declared and accepted in writing
SourceTravel against medical advice exclusion
No cover for travel undertaken against medical practitioner advice or if travelling specifically to receive medical treatment
SourceReciprocal health agreement usage requirement
Requirement to use reciprocal health agreements (e.g., GHIC in UK/EU) if available in destination country for serious illness or bodily injury
SourceNo domestic coverage restriction
No cover whatsoever for trips or holidays within traveller's home country
SourcePage 3Section: Policy Schedule > Maximum Duration Table
There is no cover whatsoever for trips in your home country.
Trip duration limits
Holiday duration must not exceed 21 consecutive days; must occur within period of insurance
SourcePage 3Section: Policy Schedule > Maximum Duration Table
The duration of any holiday must not exceed 21 consecutive days and must occur within the period of insurance as stated on your certificate of insurance.
Claims notification by phone requirement
Must contact claims team by phone for medical claims; alternative email available for non-emergency claims
Source24-hour emergency assistance service
Access to 24-hour emergency assistance service for medical emergencies and trip interruptions; direct billing arrangements available through assistance provider
SourceBroker distribution branding
This specific policy wording is distributed under the 'Fit2Travel' broker scheme name, though the policy is underwritten by White Horse Insurance Ireland dac (trading via its UK branch, White Horse Insurance UK Limited)
Source