Generalitranquilidade Reviews 

Requested a refund after selling my vehicle January 31st and it still hasn't been processed. Terrible communication. Would not recommend this insurance provider.

Health insurance:

16 months into the insurance, I got an extremely painful sinusitis, which needed surgery. Instead of approving it, they falsely claimed it was a pre-existing condition with no justification whatsoever and no information about how to complain.

Luckily, I found a scan report from 1997 that contradicted AdvanceCare's baseless claim that this was a pre-existing condition. Also, Portuguese insurance law only allows exclusions of pre-existing conditions for 12 months.

The discussion with them prolonged the strong pain with two weeks, during which I had to eat loads of strong painkillers to be able to function. This is institutionalised torture and a breach of contract.

They finally approved it, but not without refusing cover for one of the necessary acts. Thankfully, Trofa Saúde accepted to do it anyway.

Twice, I had to discuss with them to get cover for vitamin blood tests, which are included. The same happened with ENT consultations. Months of discussion each time, but they finally paid. Of course they hope most people give up.

When I wanted to give notice to switch to another insurer 3 months before the expiry, they refused to accept the notice until 30 days before expiry. This is in violation of Portuguese insurance law.

Generali Tranquilidade happily break the law when it suits them. It seems to be a part of their business model, which includes exhausting the insured with endless discussion.

Car insurance:

When a careless driver reversed into my car, it was very difficult to follow the status of the claims handling. I tried to call them, but as I don't speak Portuguese yet, they said an English speaker would call back. They never did. I had to call my insurance agent. It was the other driver's insurance that had to cover the cost, and the repair was finally done correctly. At least I got the included replacement car.

I am going to get rid of the rest of my Generali Tranquilidade insurances. I don't trust them any more.

Not a good insurance at all! You try to find out beforehand if a vaccine is covered, a mandatory one for my son, and no one can give an answer. You ask for folic acid to be covered which is also a mandatory vitamin for pregnant women, and guess what? It’s not. Don’t fall for it