Intermundial Portugal review

Updated September 28, 2026 · AssureCue 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.

Our verdict

Intermundial Portugal is a Spanish-registered broker whose range is a single travel line, Totaltravel, aimed at expats and seniors. It suits readers who want large medical limits set by destination and mode, a clear provider type, and an entry premium of €0.42 paid in full rather than spread over months.

Key facts

Best for
Expats and seniors in Portugal who want a single trip policy placed by a broker.
Premium from
€0.42 (Source, checked September 26, 2026)
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Claims channels
Mobile app, Customer area, Phone 24/7 assistance (Source, checked September 26, 2026)
Age range
Any age (Source, checked September 26, 2026)
Legal entity
INTERMUNDIAL XXI S.L.U, Sucursal em Portugal (NIPC 980423430) (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Expats, Seniors
Official website
intermundial.pt

Apps and profiles

Elsewhere
TrustpilotLinkedInpro.intermundial.com

Pros and cons

Pros

  • The medical limit is the strongest point: Totaltravel sets it by destination, and the premium mode carries a larger medical limit than the worldwide level, which matters where treatment abroad is expensive.
  • It is a broker, broker, and sits in the DGSFP (Spain) insurance broker and reinsurance broker register, J-1541.
  • A second entry places the same business in the DGSFP (Spain) reinsurance intermediary register, RJ-0070.
  • Age carries no restriction, Any age, and the audience named is expats and seniors, so an older traveller is not steered towards a different product.
  • Support runs on email, chat and phone, and a claim can start through mobile app, customer area and phone 24/7 assistance, so help reaches a traveller treated away from home.

Cons

  • The range is travel only, so a reader who wants home or motor cover in the same place has to add a second provider.
  • The register entries are Spanish, RJ-0070, and the sales point is Portuguese, PT, so a buyer in Portugal sits under a foreign register.
Intermundial Portugal

Ready to try Intermundial Portugal?

Scored 8.9 / 10 by AssureCue.

See alternatives

Who it suits

  • Expats and seniors, the audience named for Totaltravel, expats and seniors.
  • Travellers whose medical cover matters more than the timing of the payment.
  • Readers who want a stated provider type, a broker, broker, rather than a quote from a direct insurer.

Who should look elsewhere

  • Anyone who wants travel and other lines under one roof: Good Sam Insurance Agency lists auto, home and renters.
  • Readers who shop on entry price alone: bonus.ch shows a starting premium of CHF 0.
  • Buyers who prefer a quote in their own currency: Euroasia Insurance starts at UZS 60,000.

Who regulates the provider

Intermundial Portugal sells as a broker, broker, so the company on the quote intermediates the policy rather than carrying the risk. Its registrations sit with DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) in the insurance broker and reinsurance broker register, J-1541, and in the reinsurance intermediary register, RJ-0070. Both entries are Spanish registrations. A reader comparing this brand with a Portuguese insurer is therefore weighing a different kind of regulated entity, and a broker is a reasonable choice for anyone who wants cover placed with the insurer that fits the trip.

How your money is protected

What sits behind the money is registration rather than a stated protection scheme. Intermundial Portugal is a broker, broker, recorded in the DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) insurance broker and reinsurance broker register, J-1541, and in the reinsurance intermediary register, RJ-0070. A broker places the policy with an insurer, so a claim is settled by the insurer named in the policy documents, and the insurer's name and terms are the part worth reading closely. The register entries tell you who intermediates the policy; they do not stand behind a claim.

Cover and limits

Cover is a single travel line, travel, sold as Totaltravel. The medical expense limit is set by destination, with a worldwide level, a Europe level and a Portugal level, and the premium mode carries the largest medical limit of the options listed. That structure rewards readers who know where the risk sits, because a trip where treatment abroad is likely is covered more generously than a short domestic one, and the mode chosen moves the ceiling. Age carries no restriction, Any age, so a senior and a younger traveller buy the same policy. Nothing outside travel is covered.

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

How much does a Totaltravel policy cost?+

Entry pricing starts at €0.42, under the typical starting price across the site, €8.37, and under the travel-sector figure, €7.93. The medical limit you end up with depends on where you are covered and on the mode you pick, so the lowest quote does not carry the largest medical cover.

Can I pay monthly?+

Monthly payments are not available on this policy, so the premium is settled in a single payment when cover starts. The wider market leans the other way: 88.9% of the brands on the site allow monthly payments, and in travel the share is 83.6%. Anyone who needs the cost spread out should compare further.

Is Intermundial Portugal an insurer or a broker?+

It is a broker, broker. The Portuguese sales point trades as a branch of a Spanish company, and the risk sits with the insurer named in the policy documents rather than with the name on the quote. Provider type is therefore worth checking whenever two quotes carry the same headline premium.

Who regulates it, and in which country?+

The registrations shown are Spanish. DGSFP (Direccion General de Seguros y Fondos de Pensiones, Spain) records the business in the insurance broker and reinsurance broker register, J-1541, and in the reinsurance intermediary register, RJ-0070. The branch you buy from is Portuguese, PT, while the register entries come from Spain.

What medical cover do I get, and who is it aimed at?+

Totaltravel sets the medical expense limit by destination, with a worldwide level, a Europe level and a Portugal level, and the premium mode carries the largest limit. Age carries no restriction, Any age, and the audience named is expats and seniors, so older travellers and people living abroad are the intended buyers rather than an exception.

How do I reach help or start a claim?+

Help runs on email, chat and phone, and a claim can be started through mobile app, customer area and phone 24/7 assistance. The claim channels list a mobile app, a customer area and phone assistance that answers around the clock, which matters most for someone treated in hospital abroad and left to deal with the bill from outside the country.

How does the entry price compare with the market?+

On starting premium it ranks 25 of 252 brands compared here, and €0.42 sits under the typical starting price on the site, €8.37. A low entry price is not a low final price, because the destination you cover and the mode you choose move the premium a long way.

Does it sell anything other than travel insurance?+

The range is travel only, a single line rather than a portfolio, so anyone who also needs home, motor or health cover has to look at a second provider. Good Sam Insurance Agency, for instance, lists auto, home and renters, which is why it appears as an alternative here.

Sources

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

Intermundial Portugal

Intermundial Portugal

Expats and seniors in Portugal who want a single trip policy placed by a broker.

8.9/10See alternatives

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 policy
Cookie settings