Frequently asked questions about Travel Insurance

Travel insurance is a personal accident insurance that offers protection against accidents that may occur during a trip and stay. This insurance is valid 24/7.

This insurance offers 2 subscription options, each with a different range of coverage insured:

• Day-to-day option: ideal for occasional travelers, with coverage valid only on the days of the trip;
• Annual option: ideal for frequent travelers, as it provides continuous coverage throughout the year, without the need to take out insurance for each trip.

For the annual option, trips can last up to a maximum of 90 days (consecutive or intermittent), unless otherwise stated in the Particular Conditions.

This insurance excludes accidents resulting from the professional practice of sports or sports events, including amateur competitions and related training.

Travelers heading to snow destinations can opt for the "Winter Sports" coverage, which provides protection against accidents during amateur skiing and snowboarding.

Yes, it covers all regions of the world, except for countries where there is a risk of war or conflict.

You can subscribe online, at millenniumbcp.pt, or at any Millennium branch.

If you subscribe online, we’ve selected 3 subscription options to help you choose the coverage. For other coverage options, please visit a Millennium branch.

If you opt for personal baggage coverage, this insurance guarantees reimbursement for losses due to baggage theft, up to the limit specified in the Particular Conditions. Theft is defined as the taking of baggage through violence or forcible entry.

Baggage includes clothing, personal hygiene items typically carried, as well as suitcases and travel bags.
Regardless of the coverage amount, compensation is limited to €500 per item or piece.

When subscribed, the travel assistance coverage includes a guarantee for trip cancellation or interruption due to force majeure. In such cases, the insurer, through the assistance service, reimburses non-refundable transportation and accommodation costs, up to a limit of €500 per claim, as outlined in the Special Condition for Travel Assistance.

You can report the claim directly at any Millennium branch. The claim must always be accompanied by supporting documents and proof of the reimbursable expenses.