Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Intermundial Portugal review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Intermundial Portugal suits adults in Portugal who want annual travel cover with a high medical ceiling and will pay the premium in full, with Totaltravel premiums starting at €0.42. It fits expats and seniors, and less those wanting instalments, other insurance lines or cover underwritten by the brand.

Key facts

Best for
Anyone in Portugal buying annual travel cover, especially expats and seniors (expats and seniors).
Premium from
€0.42↗
Insurance types
Travel↗
Provider type
Broker↗
Monthly payments
No↗
Cover limit
Medical expenses up to EUR 800,000 (Totaltravel, worldwide; EUR 600,000 Europe, EUR 50,000 Portugal); up to EUR 3,000,000 in Totaltravel premium mode↗
Claims channels
Mobile app, Customer area, Phone 24/7 assistance↗
Age range
Any age↗
Legal entity
INTERMUNDIAL XXI S.L.U, Sucursal em Portugal (NIPC 980423430)↗
Headquarters
Portugal↗
Support channels
Email, Chat, Phone, Help-centre↗
Audience
Expats, Seniors
Official website
intermundial.pt

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInpro.intermundial.com

Pros and cons

Pros

  • Totaltravel premiums start at €0.42, under the €7.93 median entry premium for travel cover on the site.
  • The medical ceiling is highest on worldwide trips and highest of all in the premium mode of the same policy, the level that decides the cost of a serious trip abroad.
  • The audience is expats and seniors (expats and seniors) and the age range is Any age, so older travellers are not shut out.
  • Help runs on email, chat and phone, and claims can start through the mobile app, the customer area or phone assistance day and night, which matters most when a claim happens abroad.
  • On starting premium the brand ranks 26 among the 251 brands compared, so the entry price sits near the cheap end.

Cons

  • Home, motor and life cover are not among its insurance types (travel), which list travel only.
  • As a broker (broker) an underwriter carries the risk. Registers: J-1541 and RJ-0070.
  • The medical ceiling for a trip inside Portugal is far below the worldwide ceiling in the same policy, so a Portugal-only trip leaves much of the medical bill with the traveller.
Intermundial Portugal

Ready to try Intermundial Portugal?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Travellers buying an annual policy before a trip who would rather settle the premium in full, since monthly payments are no.
  • Expats and seniors (expats and seniors) who want a high worldwide medical ceiling and phone assistance day and night when something goes wrong abroad.
  • Portuguese residents who would rather have a broker (broker) place the cover than deal with an insurer directly.

Who should look elsewhere

  • Anyone who needs the premium split into instalments, since monthly payments are no.
  • People who want home, motor or life cover, as those lines are not among its insurance types (travel).
  • Readers who want the brand itself to carry the risk, since Intermundial Portugal acts as a broker (broker).

Cover and limits

The range sold here is travel insurance, the only entry in its insurance types (travel), under the Totaltravel name. Medical expenses are where the choice matters most, and the ceiling follows the destination: the highest for trips worldwide, a lower ceiling for trips across Europe, a much lower ceiling again for trips inside Portugal, with the top ceiling reserved for the premium mode of the same policy. That gap is worth checking before booking, because a short trip inside Portugal sits at the lowest ceiling. Age is not a barrier either: the age range is Any age, so there is no upper age band of the kind many travel policies impose.

Price signals

Monthly payments: no, so the premium is settled in full at the point of purchase rather than spread across the year. The entry point is what looks cheap: Totaltravel premiums start at €0.42, and the median starting premium across travel policies on the site is €7.93, so the entry price sits below the middle of the market. The wider personal insurance comparison is higher still, at a median of €8.31. On starting premium this brand ranks 26 among the 251 brands compared, which places it near the cheap end rather than the middle. The starting premium is a floor rather than a quote, and the final figure follows the destination, the length of the trip and the level of cover chosen.

Regulation and registers

Intermundial Portugal describes itself as a broker (broker) rather than an insurer, and that shapes the paperwork. A broker places cover on behalf of insurers, so the contract sits with the insurer named in the policy documents: the terms, the medical limits and the claims handling all follow that insurer's wording, with the broker between the customer and the insurer. On the registers, the brand appears with the DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) insurance broker and reinsurance broker register under J-1541, and on the DGSFP reinsurance intermediary register under RJ-0070. Both entries are Spanish registrations, so a Portuguese customer should read them alongside the terms applying to the branch that issues the policy.

How Intermundial Portugal compares

Where Intermundial Portugal is available

Available
Portugal, Spain
Licence in Spain
DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) - insurance broker and reinsurance broker register (J-1541), checked September 26, 2026
Licence in Spain
DGSFP (Spain) - reinsurance intermediary register (RJ-0070), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Intermundial Portugal cover?+

Intermundial Portugal sells Totaltravel travel cover, and travel is the only line in its insurance types (travel). Medical expenses are the headline benefit, with the ceiling set by destination: highest worldwide, lower across Europe, lower again for trips inside Portugal, and highest of all in the premium mode of the same policy.

How much does the policy cost?+

Totaltravel premiums start at €0.42. For context, the median starting premium across travel policies on the site is €7.93, so the entry price sits below the middle. The final figure depends on the destination, the length of the stay and the cover level chosen.

Can the premium be paid monthly?+

Monthly payments: no, so the premium is paid in full when the policy is taken out and there is no instalment plan to spread it. That turns the entry price of €0.42 into a single outflow rather than a series of smaller ones, which suits anyone keeping a rainy day fund for the trip.

Who is behind the policy?+

Intermundial Portugal operates as a broker (broker) rather than an insurer. A broker places cover on behalf of insurers, so the contract is with the insurer named in the policy documents and the terms, limits and claims handling come from that insurer. Help runs through the mobile app, the customer area or phone assistance day and night.

Which registers does the broker sit on?+

The brand appears with the DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) insurance broker and reinsurance broker register under J-1541, and on the DGSFP reinsurance intermediary register under RJ-0070. Both entries are Spanish registrations, so read them alongside the terms of the Portuguese branch.

How are claims handled?+

Help runs on email, chat and phone. Claims can be started through the mobile app, the customer area or phone assistance day and night, so a claim made far from home does not wait for office hours. The ceiling you can claim depends on the destination and mode chosen, so check the limit in the documents before departure.

Who is the policy designed for?+

The policy is aimed at adults of Any age and marketed to expats and seniors (expats and seniors). That fits a traveller who wants a high medical ceiling and direct assistance abroad rather than the cheapest possible cover for a trip with no medical risk. Totaltravel premiums start at €0.42.

Does the brand sell other kinds of insurance?+

No. Travel is the only line in its insurance types (travel). Home, motor, life and health policies are not among them, so anyone wanting cover in several areas has to place those elsewhere. As a broker (broker) the brand places travel cover on behalf of insurers and its scope stops at that line.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Intermundial Portugal

Intermundial Portugal

Anyone in Portugal buying annual travel cover, especially expats and seniors (expats and seniors).

8.9/10See alternatives