The Essential Guide to Finding The Best Travel Insurance in Portugal

Shawn Plummer

CEO, The Annuity Expert

If you’re planning a trip to Portugal, it’s essential to make sure you have the necessary travel insurance in place before you depart. While Portugal is a relatively safe country to travel to, accidents and illnesses can happen, and it’s essential to have the right coverage to protect yourself in an emergency. In this guide, we’ll explore the various options available for travel insurance in Portugal and what you need to know to choose the best coverage for your needs.

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What is Travel Insurance?

Before we dive into the specifics of travel insurance for Portugal, let’s first define what travel insurance is. Travel insurance is a policy designed to cover unexpected events that may occur while traveling, such as accidents, illness, trip cancellation, or lost or stolen luggage. Depending on the policy, travel insurance may also cover emergency medical evacuation, transportation, social security, and other travel-related expenses.

Types of Travel Insurance

Several travel insurance policies are available, each designed to meet different needs. Some of the most common types of travel insurance include:

  • Trip Cancellation Insurance: This type of policy provides coverage for cancellations or interruptions to your trip due to unforeseen events, such as illness, injury, or death of a family member.
  • Medical Evacuation Insurance: This policy provides coverage for emergency medical evacuations, which can be incredibly expensive if you need to be transported back to your home country for medical treatment.
  • Baggage Insurance: This policy covers lost, stolen, or damaged baggage while traveling.
  • Emergency Medical Insurance: This policy covers emergency medical treatment while traveling.
Travel Insurance In Portugal

Travel Insurance for Portugal

If you’re planning a trip to Portugal, ensuring you have the correct travel insurance coverage is essential. Here are some things to consider when choosing a policy:

Portugal Travel Insurance Requirements

While travel insurance isn’t required by law for travel to Portugal, it’s highly recommended. The country has a public healthcare system, but it may not cover all medical expenses for tourists. Having travel insurance can help protect you against unexpected medical expenses while traveling.

Best Travel Insurance for Portugal

When it comes to choosing the best travel insurance policy for Portugal, there are several factors to consider, such as:

  • Coverage Limits: Look for a policy with high coverage limits to protect you in an emergency.
  • Medical Coverage: Ensure the policy provides adequate coverage for medical expenses, including emergency medical treatment and evacuation.
  • Trip Cancellation Coverage: If you’re worried about the possibility of trip cancellation or interruption, look for a policy that provides this coverage.
  • Cost: While cost shouldn’t be the only factor you consider, choosing a policy that fits your budget is essential.

Portugal Travel Insurance Reviews

Before choosing a travel insurance policy for Portugal, it’s a good idea to read reviews from other travelers who have used it. Look for reviews that provide details about the policy’s coverage, claims process, and customer service.

What Do I Need to Travel to Portugal?

If you’re planning a trip to Portugal, there are several things you’ll need to have in place before you depart, including:

Passport and Visa Requirements

As a U.S. citizen, you do not need a visa to travel to Portugal for up to 90 days. After that, however, you will need a valid passport for at least six months beyond your departure date.

Travel Insurance Requirements

While travel insurance isn’t required by law for travel to Portugal, it is highly recommended, especially if traveling for an extended period or engaging in high-risk activities like adventure sports.

Other Requirements

In addition to a passport and travel insurance, you may need proof of onward travel and sufficient funds to support your stay in Portugal. Therefore, checking the latest entry requirements with the Portuguese embassy or consulate in your home country is always a good idea before you depart.

Trip to Portugal Cost

If you’re planning a trip to Portugal, the cost is one of the most important things to consider. Here are some factors that can impact the overall cost of your trip:


The cost of airfare can vary depending on the time of year you’re traveling, the airline you choose, and how far in advance you book your tickets. To get the best deal, consider booking your tickets well in advance and using a travel rewards credit card to earn points or miles.


The cost of accommodations in Portugal can vary widely depending on the type of accommodation you choose, the location, and the time of year you’re traveling. To save money, consider booking a vacation rental or staying in a hostel or budget hotel.

Food and Drink

The cost of food and drink in Portugal is generally affordable, mainly if you stick to local restaurants and markets. To save money, consider cooking some of your meals at your accommodations and avoiding high-end restaurants.

Is it Safe to Travel to Portugal?

Portugal is generally safe for travelers, with low crime levels and a stable political situation. However, taking basic safety precautions, such as keeping your valuables secure and aware of your surroundings.

Health and Medical Care

Portugal has a high medical care standard, with public and private hospitals available nationwide. However, as a foreigner, you may be required to pay for medical treatment upfront, so it’s essential to have travel insurance in place to cover any unexpected medical expenses.

Emergency Contacts

In an emergency, while traveling in Portugal, it’s essential to have access to emergency contacts, such as your embassy or consulate, travel insurance provider, and local emergency services.

Next Steps

Traveling to Portugal can be an exciting and rewarding experience, but having the correct travel insurance coverage is essential to protect yourself in an emergency. By considering the factors outlined in this guide, such as the type of coverage you need, the best policies for Portugal, and the overall cost of your trip, you can make an informed decision about the right travel insurance. In addition, remember to consider other important factors, such as entry requirements, safety, and emergency contacts, to ensure a smooth and enjoyable trip.

Travel Medical Insurance For Portugal

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Frequently Asked Questions

What travel insurance do you need for Portugal?

Be sure to bring your European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) if you plan to travel to Portugal, as it’s part of the EU.

Do I need insurance before I travel?

To ensure a smooth journey, you must have coverage. If you’re traveling solo, securing travel insurance is critical if you find yourself stranded and unable to return home or address your holiday issues without assistance.

What health card do I need for Portugal?

By obtaining a GHIC or EHIC card, you can receive medical care on the same basis as Portuguese nationals should it be essential during your journey. The state supplies this healthcare and covers you for any required treatment.

Do you need travel insurance to apply for a visa?

Are you planning to visit the UK? You’ll be happy that travel insurance is not mandatory for up to six-month stays! However, if you’re headed into the Schengen area, ensure your medical coverage is in order – you need proof of it for a Visitor Visa.

What does Ghic cover in Portugal?

Did you know the GHIC card grants access to essential healthcare services in Portugal? From emergency care and chronic health illnesses to routine medical appointments or maternity visits, your GHIC covers it all! Not only can it provide oxygen and dialysis treatments, but it also encourages peace of mind while abroad.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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