Updated September 28, 2026 · SumCue Editorial Team
Intermundial Portugal vs LowestRates.ca
Intermundial Portugal
Higher score in this comparison
LowestRates.ca
Where Intermundial Portugal and LowestRates.ca differ
| Compare | Intermundial PortugalReviewSee alternativesSee alternatives | LowestRates.caReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €0.42 | CA$0 |
| Insurance types | Travel | Auto, Home, Life, TravelCovers more |
| Provider type | Broker | Comparison site |
| Monthly payments | No | YesHas it |
| 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 | Not confirmed |
| Claims channels | Mobile app, Customer area, Phone 24/7 assistance | Not confirmed |
| Age range | Any age | Not confirmed |
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Key differences
- Intermundial Portugal scores higher overall: 8.9 vs 8.8.
- Intermundial Portugal is available in 1 more country.
- Monthly payments: only LowestRates.ca.
- Insurance types: only LowestRates.ca offers Auto, Home, Life.
- Support channels: only Intermundial Portugal offers Email, Chat, Phone.
Our verdict on each
Intermundial Portugal
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.
LowestRates.ca
LowestRates.ca suits Canadian households who want to price cover, borrowing and a mortgage in one pass, because it is a comparison site and a marketplace rather than a provider of its own. Entry premiums start at CAD 0, personal loans run CAD 500 to CAD 45,000, and early repayment is free.
Score breakdown
| Area | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Cost | 9.0Entry premium is €0.42 against a travel median of €7.93, with retail loss percentages at 70.15%. | 9.5HigherCosts sit low across products: the loan origination fee is 0 and the mortgage product fee is CAD 0, against an APR of 10%. |
| Offer | 9.0Higher | 8.6 |
| Trust | 8.7Higher | 8.3 |
Side by side, item by item
| Insurance types | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Travel | Yes | Yes |
How they place
| Ranking | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Insurance | 332 of 627 | 390 of 627 |
| Travel insurance | 179 of 278 | 203 of 278 |
Every fact side by side
| Fact | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | INTERMUNDIAL XXI S.L.U, Sucursal em Portugal (NIPC 980423430) | Rates.ca Group Ltd. |
| Headquarters | Portugal | Canada |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Loans
| Fact | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| APR | Not confirmed | 10% |
| Loan amount | Not confirmed | CA$500 to CA$45,000 |
| Arrangement fee | Not confirmed | 0 |
| Credit check | Not confirmed | Soft prequal |
| Funding time | Not confirmed | within 24 hours |
| Lender type | Not confirmed | Marketplace |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | 18 or older, Canadian residency, Canadian bank account, minimum 12 months credit history, minimum income $1,250 per month, employed at least three months |
| Loan types | Not confirmed | Personal, Debt consolidation, Business, Car, Bridging, Student |
| Use cases | Not confirmed | Home improvement |
Mortgages
| Fact | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Initial rate | Not confirmed | 3.89% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | CA$0 |
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer, Home equity |
Pros and cons
Intermundial Portugal
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.
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.
LowestRates.ca
Pros
- Premiums start at CAD 0, the floor of the insurance table and the easiest figure to sort on.
- Personal loans run CAD 500 to CAD 45,000 and the credit check is soft prequal, so a reader can see the price without a full search.
- Free early repayment is available, so a loan can be cleared ahead of schedule without a charge.
Cons
- Support runs on help centre only, so a question about a live application has fewer routes than a staffed desk.
- Loan amounts run CAD 500 to CAD 45,000, so a renovation or consolidation bill near the top of that range needs a different product.
- The fixed period of 5 is short against a wider market where the longest fixes reach 40.
Who each suits
Intermundial Portugal
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).
LowestRates.ca
Who it suits
- Canadian households comparing auto, home and life cover who want a starting price before they apply.
- Borrowers who would rather see a rate than have a file searched, since the loan search runs as soft prequal.
- Homebuyers with a purchase or a remortgage in view, since mortgage quotes cover purchase, remortgage and first time buyer.
Who should look elsewhere
- Readers who want a single provider behind the cover rather than a table, where Linxea sets its own starting premium of €25.
- Anyone starting from a bank app rather than a comparison, such as bunq or bunq Spain, which also show a starting premium of €0.
- Applicants without Canadian residency, a Canadian bank account and a credit history of a minimum length.
Current offers
Intermundial Portugal
Current offer
Discount code
20% renewal discount on the Totaltravel annual multi-trip plan: 20%
Applies when renewing the annual Totaltravel plan
Source, checked September 26, 2026
Discount code
Family plan discount on Totaltravel annual: up to 25%
Family plan of the annual multi-trip cover
Source, checked September 26, 2026
Country by country
| Country | Intermundial Portugal | LowestRates.ca |
|---|---|---|
| Canada | No | Yes |
| Portugal | Yes | No |
| Spain | Yes | No |
Questions about each
Intermundial Portugal
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.
LowestRates.ca
What is the starting premium at LowestRates.ca?+
Entry premiums start at CAD 0, which is the figure shown at the top of the insurance table. Because LowestRates.ca is a comparison site, that is a starting point for cover rather than a quote for an individual risk. The price a reader pays is set by the insurer that returns the quote.
Can I pay for insurance monthly?+
Monthly payments are available on the insurance side, with monthly as the listed payment model. That spreads a policy into regular amounts across the year rather than a single larger payment. Readers who budget tightly can plan around a fixed sum instead of a yearly bill that lands at once.
Other options to compare
Other matchups
Intermundial Portugal
LowestRates.ca