portugal travel health insurance

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Travel insurance

Travel insurance for trips to Portugal 2024

Holly Johnson

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:15 a.m. UTC Nov. 13, 2023

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• Travel insurance for Portugal costs an average of $274, but how much you pay will depend on several factors, including the length and value of your trip.
• Travel insurance plans package together several types of coverage, including trip cancellation, trip interruption, travel delay, travel medical, emergency medical evacuation and baggage insurance.
• U.S. health insurance provides limited or no coverage abroad, making travel medical benefits an important reason to consider buying travel insurance for international trips.

Compare the best travel insurance offers

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

Buying travel insurance for Portugal can provide you with comprehensive financial protection for an average cost of $274. This average is based on Squaremouth data for policies purchased this year for trips to Portugal, with an average insured value of $3,833 for 17 days of travel. How much you pay will depend on several factors, including the value and length of your trip. 

Another factor in the cost of travel insurance for Portugal is the coverage types (and their limits) included in the plan you buy. A comprehensive travel insurance policy will bundle together coverage for trip cancellation, trip interruption, trip delay, travel medical, emergency medical evacuation and baggage loss or delay. 

Trip cancellation and trip interruption travel insurance

Trip cancellation insurance and trip interruption coverage can reimburse you for prepaid travel expenses when your trip is canceled or interrupted for a reason listed in your policy. For example, a death in the family or an unforeseen natural disaster. 

Trip cancellation insurance is important for trips to Portugal where you may suddenly be unable to travel for reasons you could not have known ahead of time, such as a sudden illness or medical condition that makes you unfit to travel after you have already booked your trip. 

Trip interruption insurance compensates you for prepaid, nonrefundable trip costs if your trip is unexpectedly cut short. For instance, you can recoup airfare, hotel stays and excursion expenses. Trip interruption coverage can also pay for a last-minute flight home. 

‘Cancel for any reason’ travel insurance

Some travel insurance companies let you purchase “cancel for any reason” travel insurance , or CFAR, as an add-on to a comprehensive travel insurance policy. This upgraded coverage reimburses you for a percentage of your prepaid, nonrefundable travel expenses when you decide to cancel your trip for any reason.

CFAR typically adds about 50% to the cost of your policy. But with this coverage, you have the option to cancel your trip and get some of your money back — generally 50% or 75% of prepaid travel expenses — if you change your mind and decide not to travel. 

Note that you usually have to cancel no less than 48 hours before your departure to be eligible to make a CFAR claim.

While adding this coverage makes travel insurance more expensive, you may find CFAR worth it for the extra peace of mind it can provide. 

Travel delay insurance

Travel delay insurance can kick in to pay for expenses if your flight to or from Portugal is delayed due to unforeseen events and you have to stay overnight in a hotel. It may also help if your flight is delayed and you wind up spending money on food and other essentials while you wait.

Note that trip delay coverage usually kicks in after a specific length of time listed in your policy, such as six or 12 hours from your originally scheduled time of departure.

‘Interruption for any reason’ travel insurance

“Interruption for any reason” (IFAR) travel insurance allows you to make a trip interruption claim for reasons beyond what’s listed in your travel insurance plan. This coverage could come into play if you want to cut a trip short because your travel companions aren’t getting along, or there’s rainy weather at your destination.

Like CFAR coverage, IFAR insurance is typically purchased as an upgrade to a traditional travel insurance plan. While plans vary, most IFAR plans reimburse you for up to 75% of your insured trip cost if you decide to end your trip early.

Travel medical insurance

According to Daniel Durazo, spokesperson for Allianz, buying travel insurance with medical coverage and emergency medical transportation is a smart move to protect yourself financially if any unexpected injuries or illnesses happen during the trip.

Travel medical insurance is important whenever you’re traveling somewhere your own health insurance doesn’t apply. For trips to Portugal, you’ll want to purchase a travel insurance plan with adequate limits of travel medical and dental insurance, in case you become sick or injured on your vacation.

While travel medical insurance is always a good idea, it’s especially important for travelers who plan to participate in adventurous activities in Portugal.

“World Nomads travel insurance policies cover more than 150 adventure sports and activities, including canoeing, hiking, surfing and swimming, which are all popular in Portugal,” said Christina Tunnah, spokesperson for World Nomads.

Emergency medical evacuation 

Carol Mueller of Berkshire Hathaway Travel Protection (BHTP) agrees that travelers interested in Portugal should consider “protecting themselves against their own sense of adventure when visiting.”

Mueller adds that a travel insurance plan like BHTP’s AdrenalineCare plan can provide adequate limits for emergency medical and evacuation. This kind of coverage can pay for a flight, a helicopter ride or other emergency transportation if you’re hurt and unable to get to a hospital. 

Since emergency medical evacuation can cost $15,000 to $225,000 depending on where you are in the world when you need it, having this kind of insurance with high limits is a good idea for your Portugal trip.

“Travelers can’t predict what could go wrong, so a comprehensive travel insurance plan from BHTP can help protect against the unplanned what-ifs when traveling,” said Mueller.

Baggage insurance

Several European airports have experienced significant delays this year, so it’s best to be prepared if your bag doesn’t arrive in Portugal when you do, advised Tunnah of World Nomads. 

“If you can go with carry-on only, great. If you need to check a bag, make sure you bring your essentials, including medication and a change of clothes, in your carry-on,” she said. “Either way, travel insurance can help if your bags are delayed or lost.”

Make sure you have a travel insurance plan that provides some coverage for lost or delayed baggage. 

• Baggage delay coverage can help you pay for travel incidentals to get you by, such as clothing and toiletries, while you wait for your bags to arrive. Coverage usually kicks in after a specific length of delay, such as six or 12 hours. 
• Lost baggage insurance can reimburse you for your luggage and its contents when your luggage is lost or damaged by a common carrier, such as your airline.

Note that baggage insurance has limits that vary by insurer and travel insurance plan. For example, it’s common to see reimbursement caps for lost or damaged baggage set at $2,500 or $3,000 per traveler. Per-bag limits can also apply. 

Travel insurance also typically only reimburses for the depreciated value of your items, so it’s best to leave valuables that could be lost or stolen at home.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Holly D. Johnson is a personal finance expert and award-winning writer who covers a variety of insurance topics as well as general personal finance. In addition to her articles in Forbes, Holly is a featured author for CNN Underscored, Bankrate, Consumer Affairs and other notable publications. Johnson is also the founder of finance website Club Thrifty and the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance Portugal For Short-Term Visitors, Tourists & Visa Applications

Updated: April 8, 2024 | Thiago Marinho

Getting Portugal travel insurance is crucial to safeguard yourself against unforeseen costs in the event of a medical emergency during your trip. Although healthcare in Portugal is generally free or affordable for Portuguese citizens and legal residents, the same benefits do not extend to tourists. Without adequate health insurance coverage while traveling in Portugal, you may be required to cover all medical expenses personally.

Portugal Travel Insurance Requirements

Do i need travel insurance for portugal.

Depending on where you’re from, you’ll need travel insurance, including medical insurance. As an EU citizen, if you require medical treatment while in Portugal, it will either be free or incur minimal costs.

Travelers who need to apply for a visa to visit Portugal are required to have travel insurance. Visa officers will request evidence of at least €30,000 in health insurance coverage for Portugal and the entire Schengen Area. On the other hand, those who do not require a visa for Portugal are not obligated to obtain travel insurance, although it’s strongly recommended to do so.

Do UK citizens need travel insurance for Portugal?

UK citizens who have an EHIC (European Health Insurance Card) are entitled to the same healthcare privileges as Portuguese citizens at all public hospitals and clinics in the country. Treatment at private hospitals would incur costs that would have to be paid for privately.

Whilst the EHIC card covers travel medical insurance, it does not provide coverage for trip interruptions, flight delays, evacuation, or repatriation. To obtain additional coverage for these situations, it’s advisable to purchase travel insurance.

Travel insurance Portugal from USA

While travel insurance isn't a requirement for U.S. citizens traveling to Portugal, it's often recommended. Travel insurance can provide coverage for various unexpected situations such as trip cancellations, medical emergencies, lost luggage, and other unforeseen events. It's a way to mitigate financial risks associated with travel.

Before purchasing travel insurance, it's advisable to carefully review the policy to understand what is covered and any exclusions. Additionally, consider factors such as your health, the activities you plan to participate in, and the length of your stay when determining if travel insurance is necessary for your trip to Portugal.

Which nationals are required to purchase travel insurance when visiting Portugal?

The following table shows which nationals need to buy travel insurance before their Portugal trip, ideally at the same time as obtaining their Portugal Visa:

[wptb id=3369]

What type of travel insurance do I need for Portugal?

Portugal does not offer free medical treatment to visitors, and under European Union rules non-EU citizens must have travel medical insurance covering emergency medical, hospitalization, and repatriation (including the case of death).

When traveling to Portugal or, even better, when applying for a Portuguese Schengen Visa, you should get travel insurance that fulfills the following requirements:

• Provides a minimum coverage of €30,000 for emergency medical treatment, evacuation, and repatriation.
• Remains valid throughout your stay in Portugal and the entire Schengen Area

Your travel insurance plan will vary depending on the type of insurance policy you require, how long you’ll stay, and how many people are included in the policy. You may want to include a safety net for unforeseen events, such as an emergency evacuation in case of natural disasters, unexpected expenses during a trip interruption, for example, travel delays, and the cover of emergency medical bills.

Which is the best Portugal travel insurance?

To make sure you get the best travel insurance for Europe’s most Western country, it should fulfill the Schengen Visa requirements and come from a well-established and reputable travel insurance provider.

Where can I buy travel insurance Portugal?

Which insurance company you choose is ultimately up to you, but we’ve listed some companies that may be useful for you.

Europ Assistance or Mondial Care are comprehensive websites where you can find travel health insurance or travel medical insurance for reasonable prices.

Other insurers to consult before you visit Portugal are:

• Axa Schengen

What does travel insurance for Portugal cover?

This depends on your needs and requirements for travel insurance, but it’s important that you have insurance that is compatible with the Schengen Visa.

The most basic travel insurance policy for Portugal should include coverage for the following:

• Emergency evacuation and repatriation: This covers the costs associated with emergency evacuation to another location for medical treatment if it is not available in Portugal. It also covers the expenses involved in repatriating remains in case of death.
• Emergency medical assistance: Coverage for medical assistance if you become ill or injured during your trip, including hospital stays, doctor visits, and medications.

For more comprehensive coverage, especially if your trip is costly, you may want to consider a policy that also includes:

• Trip interruption, cancellation, or flight delay coverage: This type of insurance safeguards against financial losses resulting from interruptions to your travel plans, such as flight delays or having to cut your trip short due to unforeseen circumstances.
• Baggage Loss/Delay: Reimbursement for lost, stolen, or damaged luggage, as well as compensation for essential items if your baggage is delayed for a specified period.

Medical coverage

Medical coverage is an important factor in your travel insurance.

It should cover all kinds of emergency medical treatment, including expenses for doctor visits, hospitalization, emergency medical evacuation, prescription medications, and other necessary medical services that incur medical fees.

Please be mindful that travel insurance typically does not cover medical treatment for pre-existing conditions, except in certain cases, and it does not cover medical expenses if you travel to Portugal specifically for medical treatment.

How much does Portugal travel insurance cost?

This, too, depends on your personal circumstances and requirements. However, when compared to the cost of a trip to Portugal, travel insurance is quite affordable. A basic plan for a one-week trip can be as low as €20 per person or less. However, the price may vary depending on the extent of coverage you choose and the duration of your trip, leading to higher costs, such as €30 or €50, or even more.

When is the best time to buy Portugal travel insurance?

We recommend that you buy a travel insurance plan as soon as you’ve booked and confirmed your trip to Portugal. To ensure coverage for potential trip interruptions, it is advised to buy the insurance at least two weeks before your departure.

It’s important to be aware that medical coverage provided by the insurance only becomes effective once you have departed for Portugal.

For those who apply for a Portugal visa, it is essential to buy travel insurance before submitting your visa application and to attach the health insurance certificate along with the rest of your required documents.

How does Portugal travel insurance work?

The exact way your insurance works depends on your insurer and the incident you may claim for. Below are some example scenarios that give you an idea of how some travel insurance plans work.

Scenario one: A medical emergency whilst traveling in Portugal

You are exploring one of Portugal’s major cities and sprain your ankle. You get taken to a public hospital or clinic where a doctor or qualified health professional examines your ankle, runs tests, and prescribes medication. After receiving the invoice for your treatment, you can:

• Pay the invoices and then claim from your insurer. You must keep copies of the invoices to be reimbursed.
• You show the hospital or clinic your insurance certificate or insurance card, and they will send the invoice to the insurer.

Be mindful that the second option is not available through every insurer.

Scenario two: Flight or travel delays due to bad weather

You have a layover in another country before reaching Portugal, but bad weather conditions cause a flight delay, leaving you stranded overnight. Consequently, you incur unforeseen expenses on food, transportation, and accommodation.

If your travel insurance options include flight delays, then you’ll be able to claim for all costs you incurred. Keep all receipts and submit them when making a travel insurance claim. Your insurance provider will then reimburse the costs according to the conditions outlined in your policy.

Scenario three: An unexpected event forces you to cut your travels short

You’re having to cut your trip short, perhaps due to an unexpected event at home, and you’re leaving several reservations unused (e.g., hotel, events, etc.). Upon returning home, you can initiate a claim with your travel insurance provider, who will reimburse you for these losses. To process the claim successfully, it is essential to keep all the receipts and booking confirmations as evidence.

Trip cancellation insurance

Similar to scenario three above, it may be the case that you’re forced to cancel the entire trip. In this case, trip cancellation insurance for Portugal provides financial protection and covers non-refundable expenses like flight tickets, hotel bookings, and tour reservations.

By purchasing trip cancellation insurance, you can have peace of mind knowing that you won't lose your money if unexpected events disrupt your travel arrangements to Portugal.

How can I make a travel insurance claim?

Every travel insurance company has its own processes for making a claim, so it’s best to familiarise yourself with them beforehand.

In case of a claim, you should get in touch with your travel insurance provider. They will guide you through their specific claims procedure, which typically involves filling out a claim form and submitting all the required documents. It is crucial to keep and provide all the relevant receipts and invoices, as they are essential for processing the claim.

Healthcare in Portugal for Visitors and Expats

Portugal’s healthcare system is exceptional and considered one of the best in the world . It offers free services to Portuguese citizens and residents but does not extend the same benefits to tourists.

Tourists with EU nationality can utilize their EHIC cards to access free or affordable treatment in public hospitals. However, non-EU tourists must have travel insurance to cover their medical expenses during their stay in Portugal.

Public healthcare

Portugal’s public healthcare system, Serviço Nacional de Saúde, or SNS, covers legal residents of Portugal and is funded by employment-based taxation. As a result, visits to public hospitals and clinics are either free or incur minimal costs for these residents.

This healthcare is also extended to short-term visitors from the EU, who can utilize the EHIC (European Health Insurance Card) to access the same level of healthcare coverage as Portuguese citizens. Likewise, British tourists (after Brexit) are covered for healthcare costs at public health institutions in Portugal through the GHIC (Global Health Insurance Card).

Private healthcare

For non-EU tourists, travel insurance offers the best method of health coverage during their stay in Portugal. With travel insurance, if they require emergency medical care in Portugal, they can simply submit their bills and invoices to the travel insurance provider for reimbursement.

EU and British nationals may also consider obtaining travel insurance if they desire the option to receive medical treatment at private health institutions in Portugal. Both private and public hospitals in Portugal are of high quality, with the notable advantage of shorter waiting times at private hospitals.

Portugal Safety Tips

Although Portugal is a safe country and many travelers from many countries visit each year without any issues, it’s worth considering the following tips when visiting this beautiful place in Western Europe:

Keep your belongings and bags close and in sight, especially in crowded areas and tourist hotspots Wear cross-body bags across your chest, and front-carry backpacks in busy locations Be vigilant against scams by verifying prices and asking taxi drivers to use a meter. Alternatively, use the excellent public transportation that is available in most major cities Stay away from unsafe and remote areas by researching and seeking advice from locals or hotel staff

Additional safety tips

• Protect yourself from the sun by staying hydrated, wearing hats, and using SPF when sightseeing or sunbathing
• Stay out of direct sunlight during the hottest time of the day
• Beware of food poisoning by being cautious with street food, raw fruits, vegetables, and dairy products
• Check with hotel/ accommodation staff before drinking tap water

In Summary: Portugal Travel Insurance

When traveling to Portugal, suitable travel insurance is highly recommended. Depending on your home country, you’ll need different insurance, so it’s best to check before you book your flights and other travel arrangements.

In general, if you need a visa to travel to Portugal and the Schengen Area, you’ll also need travel insurance. We’d strongly recommend that medical insurance is included so you’re covered for any emergencies you may encounter.

Frequently Asked Questions about Portugal Travel Insurance

Which is the best travel insurance for portugal.

The best travel insurance is that which covers all your needs. If you’re traveling from outside the Schengen Area, the travel insurance required should provide a minimum coverage of €30,000 for emergency medical treatment, evacuation, and repatriation and should remain valid throughout your stay in Portugal and the entire Schengen Area.

Do I need travel insurance in Portugal?

This depends on your home country. If you’re traveling with a visa to Portugal, you will require insurance to enter the country. If you’re traveling from the EU or Schengen area, insurance is not mandatory but, in most cases, advisable.

How much is travel insurance for Portugal?

This depends on how many travelers are included, how long you’re staying in Portugal, and your personal and medical needs. Policies start from around €20 per person but can exceed €50 per person.

Can you get travel insurance in Portugal?

Yes, you can get travel insurance in Portugal. Various insurance providers offer travel insurance coverage for both residents and visitors to Portugal. It is advisable to compare different plans and choose one that suits your specific travel needs.

Do I need International health insurance in Portugal?

Portugal does not offer free medical treatment to visitors, and non-EU citizens are required to have international health insurance covering emergency medical, hospitalization, and repatriation.

Foreigners living and working in Portugal have the same healthcare rights as nationals. As legal residents who contribute to social security, they will be entitled to public health insurance.

Did you enjoy this article? Recommend it to your best friend, your mom, the stranger you met at Starbucks…or maybe even your arch-enemy? It’s up to you, I’m just throwing some ideas out there.

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Portugal is famous for its rich history, cultural heritage, and landmarks, including the Belem Tower, the Jeronimos Monastery, and the Sintra Palace. Visitors are also drawn to its stunning coastline, including the Algarve, and vibrant cities, such as Lisbon and Porto, which offer a rich cultural scene and delicious cuisine. Although travelling to Portugal can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Portugal and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Portugal Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Portugal:

Best Travel Insurances for Portugal

• 01. Should I get travel insurance for Portugal? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Portugal scroll down

Heading to Portugal soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Portugal?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Portugal. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Portugal or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Portugal:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Portugal. It lets you choose between various plans tailored to meet the specific needs of your trip to Portugal, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Portugal:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Portugal? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Portugal

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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Portugal Insurance for Visitors

Travel insurance and safety advice for portugal.

Travelers are not offered the same state-funded healthcare as Portuguese citizens. Therefore, it is important for travelers to purchase travel medical insurance before their date of travel. Portuguese travel insurance will give you access to doctors and emergency treatment at any of Portugal’s public and private hospitals. If you are visiting from the EU, EEA, or Switzerland, you may access public healthcare through your European Health Insurance Card .

If you are planning to stay in Portugal for more than 90 days, you can ask for a certificate from your local council office. The certificate allows you to access Portugal’s public healthcare. However, access and care may be limited or delayed. A travel insurance plan in Portugal will provide you with access to the best hospitals and immediate care.

Travel Insurance Options for Visitors to Portugal

For visitors to Portugal, the following travel insurance plans provide medical benefits if you get sick or injured while traveling abroad. Both plans include cover for medical emergencies along with standard benefits.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

General Safety Tips for Visitors to Portugal

Portugal’s food and water standards are similar to the United States, so you should not have a problem eating or drinking. However, if you plan on traveling to rural or remote areas of Portugal that are served unregulated water, then you should plan to take special precautions.

While traveling around the cities of Portugal, be sure to use safe transportation. Buses and trams are a great way to travel around the city, but they can become overcrowded and be a threat to your safety. If you are traveling by foot, use sidewalks marked crosswalks, and watch for trams driving up and down the streets.

Lastly, maintain personal security and do not carry essential documents or expensive belongings with you. Portugal’s cities are frequently busy and crowded, which makes it easy for pickpockets and purse-snatchers. It is in your best interest to lock important documents and belongings in your hotel room or residence.

Portuguese Healthcare System and Types of Insurance

Portugal has consistently been ranked as one of the most affordable countries in all of Europe. Its seaside position on Europe’s doorstep allows for a bounty of fresh seafood and beautiful beaches all along the coast. Portugal is home to 23 Michelin-starred restaurants, gourmet food markets, and countless corner taverns. Traditional fado music houses, nightclubs, and upscale wine and cocktail bars also line the streets of the cities in Portugal. Last call? Sunrise!

Travel to Lisbon―The City of Seven Hills and Portugal’s capital. Lisbon is one of the world’s oldest cities and even predates European cities such as Rome and London. Its ancient architecture and beautiful views can be seen from a tram ride around each of the Seven Hills. If you are looking for a more traditional spot, Alfama, the oldest district of Lisbon, is the place for you. Discover women in the early morning selling seafood from their doorsteps and feel a sense of authentic culture. You may also find hidden coffee shops, where you can enjoy a cup of espresso and a pastéis de Belém.

Porto, another favorite city to visit in Portugal, is filled with beautiful street art and cutting-edge architecture. It is the second largest metropolis in Portugal, after Lisbon, and is built in the hills overlooking the Douro River. Porto’s local port wine cellars, located across the river at Vila Nova de Gaia, are what gave the city its name. If you are a connoisseur of wine, Porto is the city for you!

Emergency Safety Services in Portugal

A list of emergency numbers to call if you ever find yourself in trouble:

• Emergency +(351) (21) 727-3300
• Emergency +(351) (296) 282-216
• Ambulance and Police 112

Do I Need Vaccines for Visiting Portugal?

Currently, Portugal does not have any vaccine requirements. Some vaccines are recommended or required for Portugal. The PHAC  and  WHO  recommend the following vaccinations for Portugal:

• hepatitis A,
• hepatitis B,
• meningitis,
• measles, mumps and rubella (MMR),
• Tdap (tetanus, diphtheria and pertussis),
• chickenpox,
• pneumonia and influenza.

Passport and Visa Requirements for Travel to Portugal

When applying for a visa to travel to Portugal, applications should be made at least one month before your intended travel dates. There are no visa requirements if you are a United States citizen and will be traveling to Portugal for less than 90 days. If you plan to travel to Portugal for more than 90 days, a visa is required. Students traveling to study abroad should apply for a student visa that will allow the applicant to enter the country for the study.

Portugal’s passport requirement states that you should have a valid passport for at least three months from the date you plan to return. If your passport is not valid or is about to expire, make sure to apply for a passport renewal a month before your planned departure date.

When applying for your visa, you are also required to provide proof of international health insurance. The insurance must have a minimum coverage of EUR 30,000 (about USD 50,000), be in effect for the entire length of your stay, and have an emergency medical evacuation and repatriation benefit.

Traveling to Portugal and other European countries? Read about the insurance requirement when applying for a Schengen Visa  or our article on European health insurance plans .

Final Word on Traveling to Portugal

Accidents and medical emergencies can happen while you are traveling abroad, but do not let them ruin your travel experience. Make sure to purchase a quality Portugal travel insurance plan or, for longer-term coverage, health insurance in Portugal. Either will ensure that you are completely covered for any accidents or illnesses that may occur. Travel to Portugal worry-free and enjoy the beautiful coastal views and marvelous architecture.

Related Resources

• Travel Insurance for Visitors to France
• Germany Visitors Insurance Plans
• Travel Insurance for Visits to India
• Irish Travel Insurance for Visitors to Ireland

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Travel Insurance to Portugal: Your Vacation Safety Net

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Visit Portugal

Even the most seasoned visitor to Portugal can lose a bag, have a flight cancelled unexpectedly, or sprain an ankle while walking on slick calçadas . Nobody wants to deal with these mishaps, but as a smart traveler, you can prepare for the unexpected. Consider adding travel insurance to your Portugal plans, and you’ll be better equipped if something does go wrong.

• Why is travel insurance to Portugal important?

Whether you’re from the EU, US, or anywhere else, travel insurance can salvage a vacation gone sideways. Non-EU citizens in particular should consider having a travel insurance policy. And depending on your home country, you may need a tourist visa to enter Portugal. If so, you must have travel insurance in order to get that visa. Not sure if you need a visa to visit Portugal? Learn more about travel visas here . Read on to learn more about travel insurance, including:

• Who should have travel insurance?
• What is medical travel insurance? Is it different than trip insurance?
• Who has the best travel insurance?
• How much does it cost?
• When should you buy it?
• What does travel insurance cover?

Travel insurance is intended for vacations or short-term travel, not for people moving to Portugal permanently. You might hear the terms “medical travel insurance” or “health travel insurance.” These are policies that cover urgent medical care while you’re on vacation. This is different from travel insurance policies that cover trip interruption or cancellation, for example, but not medical. There are plenty of policies that cover both, however. Depending on your needs, and your policy, travel insurance helps pay expenses related to:

• Lost baggage
• Delayed or cancelled flights
• Cancellation of an entire trip
• Loss of personal property
• Loss of travel documents
• Emergency medical coverage
• Personal liability (in case of accidents involving other people or their property)

One important detail: the travel insurance we review below is not exactly the same as visa travel insurance. For an in-depth look at visa insurance , along with recommendations, click here .

Can’t I just use my European Health Insurance Card (EHIC)?

For EU citizens, the answer is yes — with a caveat. As an EU citizen, the EHIC entitles you to free or discounted medical treatment in any EU country or Switzerland. Your EHIC is a good safeguard for medical care. However, it has gaps that travel insurance can help fill. With just your EHIC:

• You’re not covered if you have valuables stolen or damaged
• You won’t be reimbursed if you have to cancel a trip
• There’s no personal liability coverage

That’s the beauty of travel insurance, really. You can get a plan that covers lost bags or cancelled trips, for instance, without paying for medical coverage. You just have to shop around. Luckily, we’ve done the research for you.

• Can I buy travel insurance online?

Absolutely. There are a number of factors that will affect the cost of your travel insurance, like age, total trip cost, length of stay, and whether you’re solo or with your family. Three providers with excellent reputations are: • [ins-axa] • [ins-worldnomads] • [ins-hccmis] • [ins-schengen]

AXA offers travel insurance with a number of options. Depending on the plan, you can have a policy that covers everything from emergency medical care to lost rounds of golf. The quote generator was easy to use, too. We looked up cost estimates for a 44-year-old woman traveling solo. Our sample person plans to travel from California to Portugal for a-two week vacation, with a trip cost of $2500. The four plans offered by AXA were:

Silver covered the basics, including trip interruption, missed connections, baggage delay, and emergency medical treatment. As you might expect, the coverage levels are lower than on the Gold or Platinum levels. Still, this looks like a solid option.

At the Gold level, you have higher reimbursement limits than with Silver. Plus, there’s the addition of non-medical emergency evacuation (natural disasters, for example). It also has optional riders for auto collision or pre-existing conditions.

As expected, Platinum is very similar to Gold, but with significantly higher limits. Platinum is the only AXA plan we saw that offers payment toward pet boarding if your return is delayed. It also covers lost golf or ski days, if you’re into that sort of thing.

If you’re a skier, diver, or other sports enthusiast, the Adventure package might be just what you need. Adventure is tailored specifically to travelers who like skiing, diving, golfing, or other active pastimes. This is the only AXA package that includes search and rescue coverage. You might have noticed that our estimate for Adventure is less than for Platinum. That’s because the Adventure package actually has less coverage in certain areas than Platinum. It’s only a good choice if you’re definitely going on an active vacation. Click in the link to estimate costs for your specific trip: [ins-axa]

World Nomads

World Nomads is a travel insurance company that specialize in policies for backpackers or active travelers. Standard offers lower coverage levels overall, but still covers risks related to a huge number of active sports. Want to go white water rafting, deep sea fishing, or mountain bike riding? They can help. With Explorer, you get into more “extreme” activities, such as cliff diving or hot air ballooning. Our fictional 44-year-old California woman wants to take a two-week vacation to Portugal. She was offered two plans: Standard and Explorer. Both had solid coverage, including:

• Emergency accident, sickness and dental costs
• Hospital costs
• Repatriation
• Trip cancellations, interruptions, and delays
• Lost or stolen baggage and personal effects

World Nomad’s Standard plan was priced at €71 ($79), and Explorer was €128 ($142). To see your own quote, click in the link:[ins-worldnomads] They’ll ask for your country of residence, the country you’re traveling to, age, and dates of travel.

HCC Medical Insurance Services

HCC Medical Insurance Services offers an international travel insurance that works for citizens from all over the world. One of the best is Atlas Travel Insurance. For the same 38 year-old from New York travelling to Portugal for two weeks in summer, it will cost about $38 (for worldwide cover, not just Portugal). This policy covers:

• $2 million maximum coverage;
• Emergency dental;
• $500 for lost checked luggage; and
• Emergency medical evacuation.

Click at the link for your specific trip to see how much it will cost : [ins-hccmis] HCC Medical Insurance Services also offers travel insurance for Seniors but there is NO age limit! It will rate the cost based on the age you enter. But if you’re over the age of 70 or 80, the limits of coverage decrease, which means that unfortunately you’ll have to pay more than a younger person for the same amount of insurance. The good news about this company is that you can buy your travel insurance even if you already started your trip, you don’t have to be at home, or in your country to buy this travel insurance or to extend your existing policy.

Schengen Travel Insurance

If you are looking to travel in the Schengen Area, AXA offers a specific travel insurance for Europe. The insurance guarantees a coverage of up to 100,000 € in the Schengen Area countries (including Liechtenstein, San Marin, Andorra, Monaco and Vatican). It covers expenses linked to emergency medical care, hospitalization, sanitary repatriation, or death. In addition, AXA Schengen insurance policy is conveniently accepted with European VISA applications. To get your own quote, click in the link: [ins-schengen] Looking for inspirational places to go in Portugal? Check out  Top 7 Portugal Holiday Destinations.

• How do I file a claim and get reimbursed?

Let’s imagine that something has happened; you’ve lost your train ticket and had to buy another. In order to file a claim, make sure that:

• The policy you have covers that sort of loss
• You file your claim right away, within any time limits your insurer has set
• You can show proof of the expenses you’ve incurred

That proof is the most critical part of your claim, by the way. If you are asking for a refund of medical costs, for example, you should submit the doctor’s bill. If your luggage was stolen, you can show documentation that you contacted the police immediately. Had to cancel your trip? Make sure that the reason for the cancellation is covered by your plan. Common reasons are an inability to travel due to illness or jury duty. Once you’ve followed through with your claim, most insurers will process your refund within a month to six weeks. If it takes longer than that, ask your insurance company what’s going on.

• In case of emergency

Keep in mind that while you’re enjoying Portugal, you can always call 112 in case of an emergency . This is Europe’s version of 911. It’s free and it will put you in contact with the closest police station.

• So, when should I buy travel insurance to Portugal?

Our recommendation is to purchase your travel insurance policy as soon as you’ve booked your flights and accommodations, just in case you need to cancel for some reason. Sign up for our newsletter for all the latest tips and advice for visiting Portugal.  Do you have any questions for us about travel insurance to Portugal? Ask us below.

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• Can't I just use my European Health Insurance Card (EHIC)?

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Healthcare in  Portugal   

Understanding the fundamentals, are you moving abroad.

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Public healthcare in Portugal

Portugal has an extensive tax-funded public healthcare system, run by the Serviço Nacional de Saúde (SNS). Under the SNS, most essential medical services are available free of charge, while non-essential services and treatments require a small co-payment. Whether or not an expat qualifies to use this system will depend on their residency status and their nationality.

EU citizens with a valid European Health Insurance Card (EHIC), or equivalent, will be able to use the Portuguese public healthcare system free of charge for up to 90 days. Thereafter they will need to be registered as official legal residents to continue using the system.

Citizens of some European Economic Area (EEA) countries will also be able to take advantage of this reciprocal healthcare agreement. UK citizens can make use of their Global Health Insurance Card (GHIC), which replaced the EHIC for UK citizens post-Brexit.

Non-EU citizens will have more difficulty accessing public healthcare in Portugal, as they can only utilise the public health system once they’re employed in the country and paying social security. On receipt of their social security card, however, expats will be able to register at their local health centre ( centros de saude ) where they will receive a healthcare card, which they will need in order to make use of the public healthcare system.

The quality and number of public healthcare facilities in Portugal tend to be far greater in urban areas. Expats living in rural Portugal will not only have fewer options but are also more likely to have difficulty finding English-speaking doctors and pharmacists.

Overall, while the public healthcare system in Portugal is equipped to the standards expected by most expats, it is often overburdened and understaffed, causing long waiting times. As a result, those who can afford health insurance often prefer to use private healthcare.

Private healthcare in Portugal

The private healthcare system in Portugal offers a high level of care, with many of the comforts that expats would expect.

While private healthcare is a pricier option, it comes with the assurance that expats will be able to bypass some of the long queues and waiting lists associated with the public system. Expats should apply for international health insurance before relocating to Portugal in order to avoid the exorbitant costs associated with private healthcare.

Non-EU nationals are advised to take out private health insurance before arriving in Portugal to cover any necessary medical treatments while settling in.

Pharmacies and medication in Portugal

Expats should not have any trouble locating or using pharmacies in Portugal. Most pharmacies in Portugal’s major cities are run by qualified pharmacists, most of whom speak at least basic English. Pharmacies in rural areas are less likely to have English-speaking staff, but expats can still expect excellent service. A list of 24-hour pharmacies can be found on the SNS website.

While most prescribed medication will be free of charge or heavily subsidised, expats should be aware that non-essential medication may be costly.

Expats may find that many chronic medications are available in Portugal without a prescription. It is advisable to take note of the generic name of any important medication, as brand names tend to vary from country to country.

Emergency services in Portugal

Emergency medical services in Portugal are generally efficient with quick response times. Expats in urban areas should not experience excessive waiting times for emergency care. Many hospitals have dedicated ambulance services, and it is advisable that expats living in rural areas take note of the contact details for their nearest hospital to ensure the quickest emergency care possible.

Emergency response vehicles in Portugal are generally well equipped and operated by well-trained professionals.

Expats living in Portugal can use the general EU emergency number, 112. Operators on this line can usually speak English. It is also recommended that expats take note of the contact details for their nearest local embassy or consulate in case of an emergency.

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Know before you go   to Portugal

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Portugal Traveler View

Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

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After Your Trip

There are no notices currently in effect for Portugal.

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Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

Hepatitis A

Consider hepatitis A vaccination for most travelers. It is recommended for travelers who will be doing higher risk activities, such as visiting smaller cities, villages, or rural areas where a traveler might get infected through food or water. It is recommended for travelers who plan on eating street food.

Hepatitis A - CDC Yellow Book

Dosing info - Hep A

Hepatitis B

Recommended for unvaccinated travelers younger than 60 years old traveling to Portugal. Unvaccinated travelers 60 years and older may get vaccinated before traveling to Portugal.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

Dogs infected with rabies are not commonly found in Portugal.

If rabies exposures occur while in Portugal, rabies vaccines are typically available throughout most of the country.

Rabies pre-exposure vaccination considerations include whether travelers 1) will be performing occupational or recreational activities that increase risk for exposure to potentially rabid animals and 2) might have difficulty getting prompt access to safe post-exposure prophylaxis.

Please consult with a healthcare provider to determine whether you should receive pre-exposure vaccination before travel.

For more information, see country rabies status assessments .

Rabies - CDC Yellow Book

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil
• Avoid floodwater

Clinical Guidance

Avoid bug bites.

Leishmaniasis

• Sand fly bite
• Avoid Bug Bites
• Mosquito bite
• An infected pregnant woman can spread it to her unborn baby

Airborne & droplet

• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in Portugal, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the  Department of State Country Information Pages  for additional information about food and water safety.

Prevent bug bites

Although Portugal is an industrialized country, bug bites here can still spread diseases. Just as you would in the United States, try to avoid bug bites while spending time outside or in wooded areas.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Consider using permethrin-treated clothing and gear if spending a lot of time outside. Do not use permethrin directly on skin.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in Portugal include outdoor activities, take these steps to stay safe and healthy during your trip:

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in the heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Do not dive into shallow water.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if you are driving a boat, and always wear a life jacket.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately.  Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance for things your regular insurance will not cover.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medicines you take.
• Bring copies of your prescriptions for medicine and for eye glasses and contact lenses.
• Some prescription drugs may be illegal in other countries. Call Portugal’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Make sure there are seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in Portugal, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Portugal for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

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What Insurance Do I Need for the D7 Visa?

One of the requirements of the D7 visa – and most other residency visas –  is that you purchase travel insurance . This is to cover you for the period between arriving in Portugal and attending your interview with AIMA (previously SEF) at which point you’ll be given your temporary residence permit and will become a resident.

After this interview, you’ll be a resident and can sign onto the public health service. Well, in theory. In practice, things don’t always go as smoothly. Firstly, AIMA is often backlogged and it can sometimes take more than 120 days for people to get their interview. Secondly, some people find it difficult to get registered at their local health centre ( centro de saúde ) and to obtain their número de utente . 

Because of this, many people sign up for private health insurance once they get to Portugal. It’s typically a requirement for obtaining the D7 temporary residence permit following your interview with AIMA , but isn’t always asked for.

Regardless, signing up for private health insurance could make sense. The Portuguese national health service, Serviço Nacional de Saúde , is good but, like most European public health systems, is often backlogged and overburdened. Private health insurance isn’t expensive in Portugal and for the sake of around €50-100 per month could mean faster referrals, guaranteed English-speaking medical staff, and overall better peace of mind. 

Travel Insurance

The travel insurance required is Schengen Area travel insurance (i.e. it covers the whole of the Schengen Area, including Portugal). 

According to the Portuguese Ministry of Foreign Affairs : 

“The insurance should be valid for the entire territory of Member-States and cover the entire duration of stay or transit of the visa applicant. The insurance should be valid only for the duration of the stay and not for the duration of the visa. “The insurance should cover medical expenses including those of medical repatriation, medical emergency and/or hospital emergency, and the minimum required coverage is 30,000 Euros.”

The key points are:

• It covers your entire stay (i.e. 120 days)
• Covers repatriation
• Emergency medical cover of at least €30,000
• It’s a good idea to make sure the insurance covers Covid-19 treatment as well

AXA Schengen is probably the most popular option, but it’s not the only one. Other popular options include: 

• Seven Corners
• Trawick International

Using a comparison site like Squaremouth allows you to compare multiple options at once. 

Health Insurance

Health insurance is something you may need or just decide to get. Either way, private health insurance is very affordable in Portugal where it’s not unusual for someone to pay €50 per month compared to hundreds and even thousands of dollars in the US or other countries. 

You don’t have to opt for a Portuguese health insurer. International expat-focused insurers like Cigna Global are accepted as long as the policy meets the requirements. Some expat health insurers may be better for those that move around a lot, but will probably be more expensive than a Portuguese health insurance provider.

The two main ways to purchase health insurance in Portugal are through your bank or through an insurance broker like Ged Insurance . Most banks in Portugal sell insurance of all sorts to their customers and it’s often very affordable. It’s not necessarily cheaper than what a broker can provide, however, so it’s a good idea to compare both. A broker will also be able (and willing) to compare the market whereas the bank will want to sell you their own products. 

Popular names include:

• AdvanceCare

The largest options are Multicare, Medis, AdvanceCare, and Allianz. If you’re over 70, you can probably go straight to MGEN, which is the only health insurance provider to cover this age group. MGEN is also one of the few providers that covers pre-existing conditions. 

Afpop members get a special deal on Medal insurance as part of their membership, and it may be worth signing up for Afpop (Portugal Foreign Residents Association) just for this. 

Spotted a mistake? Suggest a correction

Hi I was wondering what is the cheapest travel insurance that will be accepted for the D7 visa I’m on a budget please of you could help me, choose the most affordable option.. Thanks

I would use a comparison site like Squaremouth (mentioned in the article) to compare.

Do we need both insurances or either of them for D7 application?

AXA Schengen only covers for 90 days at a time whereas by using Squaremouth you can find one that covers for 6 months which is what the Consulate asked for

When you apply at the Portuguese embassy for the D7 visa. Do I need to show evidence of the Schengen Area travel insurance or can I show evidence of coverage with Cigna private health insurance? Or I just need coverage when I arrive in Portugal for the 120 days?

Thank you in advance for your help!

How to identify the travel insurance inception date as I don’t know the date of visa issuing by the consulate and the time to travel upon submitting the application to VFS?

HI l have purchased private medical insurance for a year. It does include death cover but not repatriation. Would this be adequate for the D7 Visa

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Travel Insurance for Portugal

Peter Gratale

CEO & Co-Founder - Citizen Remote

Last update 30 May, 2024

Join thouthands of remoters!

Portugal has emerged as a top destination for digital nomads and remote workers, thanks to its picturesque landscapes, affordable cost of living, and robust internet infrastructure. From the vibrant cities of Lisbon and Porto to the serene beaches of the Algarve, Portugal offers an ideal blend of work and leisure opportunities. However, to truly enjoy your time in Portugal and ensure your adventures go smoothly, securing comprehensive travel insurance is a must. At Citizen Remote, we are committed to providing tailored insurance solutions that cater to the unique needs of digital nomads and remote workers.

Customizable insurance plans! Get tailored coverage that is most important to you!

Understanding the Necessity of Travel Insurance

Travel insurance is a crucial safeguard against the uncertainties and potential mishaps that can occur while living and working abroad. Here’s why having travel insurance in Portugal is essential:

Ensuring Access to Quality Healthcare

While Portugal boasts an excellent healthcare system, medical expenses can be high for non-residents. Travel insurance provides you with coverage for medical emergencies, including doctor visits, hospital stays, and medications. Whether you encounter a sudden illness or sustain an injury, having insurance means you won't have to worry about hefty medical bills.

For digital nomads who may be working long hours or exploring the adventurous side of Portugal, such as surfing in Nazaré or hiking in the Azores, having medical coverage is particularly important. It ensures that you can get prompt and adequate medical care without financial strain.

Protection Against Travel Disruptions

Unforeseen travel disruptions, such as flight delays, cancellations, or missed connections, can lead to unexpected expenses and stress. Travel insurance can reimburse you for additional costs incurred due to these disruptions, such as extra accommodation and meals. This coverage is invaluable for remote workers who need to adhere to strict schedules and deadlines.

Imagine planning a crucial work meeting or a project deadline, only to have your flight delayed. Travel insurance ensures you can make alternative arrangements quickly and affordably, minimizing the impact on your professional commitments.

Securing Your Valuable Belongings

For remote workers, equipment like laptops, smartphones, and cameras are essential tools of the trade. Losing or damaging these items can severely disrupt your workflow. Travel insurance can cover the cost of replacing such valuable items, ensuring you can get back to work with minimal downtime.

Additionally, personal items such as passports, credit cards, and travel documents are covered, providing support for replacements and protecting against identity theft or financial loss.

Navigating Legal Issues

Encountering legal problems in a foreign country can be daunting and expensive. Travel insurance often includes legal assistance, helping you navigate issues such as traffic accidents, disputes, or other legal matters that may arise during your stay in Portugal. This support can be crucial in resolving issues efficiently and with less stress.

Emergency Evacuation and Repatriation

In severe medical situations where local healthcare facilities may not be sufficient, travel insurance can cover the costs of emergency evacuation to a better-equipped medical facility or even repatriation to your home country. This ensures that you receive the best possible care without worrying about the expenses involved.

Tailored Travel Insurance for Digital Nomads

Digital nomads have unique needs compared to traditional travelers. Citizen Remote offers insurance solutions specifically designed to cater to these needs, ensuring comprehensive coverage throughout your stay in Portugal.

Extended Duration Coverage

Unlike traditional travel insurance, which may have limited coverage periods, our insurance plans, offered in partnership with World Trips, are designed to cover extended stays. Whether you’re planning to stay in Portugal for a few months or a couple of years, our insurance ensures you’re protected for the entire duration of your stay.

Equipment Coverage

Your remote work equipment is crucial for your livelihood. Our travel insurance plans include coverage for theft, loss, or damage to your laptops, cameras, and other essential tools, ensuring you can quickly replace them and continue your work without significant disruption.

Flexible and Adaptable Plans

As a digital nomad, your travel plans may change frequently. Our insurance plans offer flexibility, allowing you to adjust your coverage as you move from one location to another. This adaptability ensures continuous protection no matter where your adventures take you.

Key Considerations When Choosing Travel Insurance for Portugal

Selecting the right travel insurance involves understanding your specific needs and ensuring the policy provides comprehensive coverage. Here are some important factors to consider:

Comprehensive Medical Coverage

Ensure that your travel insurance includes comprehensive medical coverage, encompassing emergency medical expenses, hospitalization, and outpatient care. Check if the policy covers pre-existing conditions, as this can be crucial for individuals with ongoing health issues.

Adventure Activity Coverage

Portugal is renowned for its adventurous activities, from surfing to hiking. If you plan to engage in these activities, make sure your insurance policy covers them. Many standard policies exclude high-risk activities, so it’s important to choose a plan that offers the necessary coverage.

Coverage Limits and Exclusions

Carefully review the coverage limits and exclusions of any travel insurance policy. Make sure the limits are sufficient for your needs and that there are no exclusions that could leave you vulnerable. Understanding these details can help you avoid surprises when making a claim.

Customer Support and Claims Process

Reliable customer support and a straightforward claims process are essential. Choose an insurer known for excellent customer service and 24/7 support, ensuring you can get assistance whenever you need it. A smooth claims process can significantly reduce stress during emergencies.

Benefits of Travel Insurance with Citizen Remote

At Citizen Remote, we understand the unique challenges and opportunities that come with being a digital nomad or remote worker. Our platform provides comprehensive support, including travel insurance that meets your specific needs. Here’s how we can help:

Global Coverage

Our travel insurance plans offer global coverage, ensuring you’re protected no matter where your work or adventures take you. Whether you’re in Portugal or traveling to other parts of the world, you can rely on us for comprehensive protection.

Tailored Plans

We offer tailored insurance plans that cater specifically to digital nomads and remote workers. These plans cover extended stays, remote work equipment, and include flexibility to adapt to your changing travel plans. Tailored plans mean you get exactly what you need, without paying for unnecessary extras.

Customizable Coverage with World Trips

In partnership with World Trips, we offer the ability to choose the level of coverage that suits your needs. You can adjust your deductible and coverage amounts, providing the flexibility to tailor your insurance policy to your specific requirements. This customization ensures you get the protection you need without paying for unnecessary extras, making it both practical and economical.

Visa Assistance

Navigating visa requirements can be complex, especially when combined with insurance needs. Our platform provides technology and support to streamline the visa application process, ensuring you meet all necessary requirements. This support can save you time and reduce the stress associated with moving to a new country.

Comprehensive Support Services

Beyond insurance, Citizen Remote offers a range of services including accommodation assistance, eSim’s for staying connected, and local guides & accommodation to help you integrate into new environments smoothly. These additional services ensure that you have all the support you need to make your stay in Portugal as comfortable and productive as possible.

Portugal offers an incredible environment for digital nomads and remote workers, blending rich cultural experiences with modern conveniences. To make the most of your time in this beautiful country, securing comprehensive travel insurance is essential. It provides the protection and peace of mind needed to focus on your work and enjoy your adventures.

At Citizen Remote, we are dedicated to supporting your journey with tailored travel insurance solutions and a suite of services designed for the modern traveler. Our partnership with World Trips allows you to customize your coverage, ensuring it fits your specific needs and preferences. Secure your peace of mind and make the most of your time in Portugal by ensuring you have the right travel insurance coverage.

Explore our offerings today and let us help you navigate your digital nomad journey with confidence and ease. Safe travels!

Citizen Remote is partnered with World Trips to provide customizable travel insurance solutions. Please ensure you review the specific World Trips policy for the most up-to-date and accurate information regarding coverage, terms, and conditions.

Since the inception of remote work visas, I've been captivated by this new space. Remote workers now have the freedom to live where they want, not where they work. Citizen Remote is building a "one-stop-shop" app that allows users to get help with visas, insurance, accommodation, community, and much more. 10+ years experience in marketing, product, and entrepreneurship. I've had the honor to work with many high-growth SaaS companies around the world and am passionate around building products users love.

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Health insurances in Portugal: your options

• Victor | Essencial Portugal

You will find a lot of information about the public health system in Portugal on the internet, that’s why I prefer to talk to you here about your options in terms of Health insurance for Portugal: waiting times are much shorter, you have the possibility to choose your english doctor in Lisbon or elsewhere, most of them will speak English and maybe even French, etc… I am not talking here about insurance for your holidays or stays but about Health insurances to choose from for those who wish to settle in Lisbon or elsewhere in the country. You’ve made your decision, you’ve started asking around but you don’t know which one to choose? It’s quite normal, I’ve been there and I’ll try to enlighten you on your different options.

Choosing a Portuguese health insurance company: English-speaking assistance

If you are in the midst of preparing for your expatriation to Portugal, then the choice of your health insurance and health coverage is a crucial point. Whether you are retired, working, with dependent children or with special medical needs, it is important to find the right insurance in Portugal that suits you and your family’s situation.

Experience has shown that it is extremely complicated to compare offers or to take out Portuguese health insurance without being accompanied by a English-speaking person who can inform you and act as an intermediary. This is the option that I myself chose before coming to Portugal.

If you too wish to contact a English-speaking person who specialises in health insurance for Portugal and who will find the best offer according to your needs, you can use the contact button below and fill in the associated form. Making the right choice is important, you commit yourself for a minimum of one year and there is no turning back if your health cover is not the right one when you need it the most.

Health insurance for Portugal

Which health insurance company to choose to go and live in Lisbon or elsewhere is a question that arose for me even before I left France. Of course, you will be able to apply for the European Health Insurance Card first but this only option will force you to go through the public health system in case of a problem in Portugal and I wish you courage (I will detail its specificities in a future article). You don’t speak Portuguese, so you only have two options left:

• Contact the absolutely wonderful expatriate health insurance companies, but…
• Find English health insurance in Portugal but…

Some information on the functioning of health insurances in Portugal :

• In any case, you will have to contribute to your consultations: they will never be free of charge (just like hospital procedures).
• In the event of an intervention at the hospital, which is fully covered by the health insurance company, the latter will have to give its agreement to the hospital: this is not always quick.
• Waiting periods can sometimes be several months, so don’t be surprised.

International Expatriation health insurances in Portugal

And yes, even if I chose option number 2 4 years ago, there is still a but! As far as expatriate health insurances are concerned, there’s nothing wrong with the service:

• Very good reimbursements
• Quick and direct contact in case of problems
• People who speak fluent english with whom to exchange ideas.
• Immediate refunds via internet or mobile application
• Care generally comprising optical and dental care, two sensitive points of health insurance companies

Very interesting services, but they are very expensive, since you can expect to pay less than 400€ per month for different quotes. A big budget that not everyone has, especially if you are going to work as a salaried employee in Portugal and facing the low level of salaries. For those who would be interested and would like to make their own idea, I give you some names of health insurances to contact:

• ADP Insurances for Retirees

English health insurances for the Portugal

This is the second option I chose before I moved to Lisbon. Having needed to subscribe a little before my departure and not speaking the language at all, I had to choose among the available options including this one. These are health insurance companies that speak English, which are often also established in your country and will offer you intermediate reimbursements and cover that can take into account optical and dental under certain conditions.

I will mention here only the health insurance company I chose at the beginning, the MGEN (for France). It is important to know that whichever health insurance company you choose in Portugal, you will have to contribute to the payment of your doctor’s appointments. For a private general practitioner and even if you have a health insurance company, you will have to pay between 15€ and 18€ depending on the formula you choose. As mentioned above, you will also have to contribute in case of an operation: depending on the category of the operation, your contribution will be either fixed or a percentage of the cost of the operation. It is necessary to pay attention to this before subscribing, the prices of operations can be very high in Portugal. These are costs to be added to the monthly cost of the health insurance to get an idea of what it will cost you for the year.

A few informations:

• Reimbursement of medicines, for example, must be requested by sending a form by post.
• You must consult specialists in the network (No problem in Lisbon, however, the network is very important whatever the specialist you are looking for).
• The price is not negligible but is nevertheless more affordable than expatriates’ health insurance companies: between 150 and 300€ per month depending on the cover offered.

Portuguese health insurances

And here is the third option which will be the most interesting but there is the problem of language. It is not conceivable to subscribe to a health insurance scheme for Portugal, from France and without speaking the language. You wouldn’t be able to interact, understand the different points of the coverage, fill in the application forms and carry out the whole subscription process serenely. In this case and if you need help, please do not hesitate to contact me in order to be helped in the comparison and quote requests by a Portuguese speaking english on the spot.

Portuguese health insurance companies are the most interesting in terms of rates since they are of course better adapted to the country’s standard of living. It will not be half as expensive as the other health insurance in Portugal but you will be able to find one with reimbursements except dental and optical, below 80€ per month. However, they will automatically ask you to fill in a form to find out your general health situation. The monthly cost is therefore a little lower but you will also have to pay less for your consultations, between 12€ and 15€.

Of course the conditions of the health insurance companies change from year to year and prices may have changed when you read the article. So that you have a few names in mind, you will find below some of the most reputable health insurance companies that you can contact directly if you are fluent in Portuguese:

• Seguros Continente
• AdvanceCare

This is only a non-exhaustive list, as the first two are often cited and quite reputable among the Portuguese. Again, if you are fluent in the language, you can use this comparator of Portuguese health insurance companies .

Portuguese health insurance via companies

If you are thinking of setting up a business in Portugal , then you have a particular option that I recommend to you and to service providers who are often fluent in English: the negotiators. These are companies that generally operate like the grouped purchases that you may know in France. These intermediaries are contacted by several companies in order to find the right health insurance for their employees. Once they have enough demand, they contact the different health insurances companies and play with the number of subscriptions to get the best prices for the best cover.

I don’t believe that this service exists for individuals but it does exist for Portuguese or foreign companies wishing to subscribe. I myself have used their services for other insurance and the prices are often competitive. I will not reveal the name here but contact me and I will put you in touch with one of these intermediaries.

Choosing the right Portuguese health insurance company: to remember

The most important thing to remember is that there is something for everyone. The choice of your health insurance in Portugal will depend above all on your health situation and that of your family:

• How often do you go to the doctor?
• Do you think it is possible that you may need surgery?
• Do you need glasses?
• Do you often go to the dentist?
• Do your children need special sessions? (Speech therapist for example)
• Do you need special experts? (Osteopaths for example)
• Will you be registered with the Portuguese Social Security or only covered by your health insurance company?
• Will you take care of your health insurance company on your own behalf or on behalf of a company?

A lot of questions to ask yourself before you even leave to settle in Lisbon or elsewhere. Making this point will help you to define your priorities and make an informed choice about the best solution.

The important points to remember about Portuguese health insurance companies are :

• That only the health insurance company will cover your health expenses in the private sector…
• That you will need to find out about the network of partner doctors in order to see whether it is large enough in Lisbon.
• That you will have to participate in the expenses of your operations in a fixed amount or as a percentage (Information to be taken before subscribing)
• That the coverage ceiling may vary from one offer to another and according to the interventions: attention must be paid to this fact.
• That not all health insurance companies have dental or optical options, which often drive up prices.
• That reimbursements of medicines are mostly made by mail and not automatically as is often the case in France.
• That you will have to participate in the payment of your consultation with a general practitioner or specialist
• That the 100% Portuguese health insurance companies are often the most advantageous ones
• That it will cost between €60 and €450 (for expatriate health insurance) depending on your situation, your needs and the size of your household: a cost that offsets the cost of living in Portugal.

English-speaking health insurance broker Portugal

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * TIN * Postal Code * Date of birth of the principal insured * Date of birth of second insured Date of birth of first child Date of birth of second child Dental Insurance Option * Yes No Additional information * Name Send

By validating the contact form, you authorize me to transmit your request to a english-speaking person who will be able to contact you directly. Nothing is automated: these are people I know, based in Lisbon and who are qualified to accompany you in your approach & your project.

Insurances in Portugal

You will find below all the insurances in Portugal for which you can call upon my specialized partner broker:

• Car insurance Portugal
• Motorcycle insurance Portugal
• Property insurance Portugal
• Life insurance Portugal
• Dental Insurance Portugal
• Boat insurance Portugal

Essencial Portugal

Get in touch with trusted English-speaking professionals based in Portugal to help you with your administrative or expatriation procedures. 

• Real estate
• TIN and NHR
• Company creation
• Car registration
• Buying a vehicle
• Architecture & renovation

Due to the complexity of this process, I have found only one serious english speaking service provider to assist you with the registration of your vehicle in Portugal. This is a law firm based near Lisbon that will take care of the registration application + the ISV exemption application to the customs . The price of this firm is 2000€ per vehicle and does not include the costs of the technical inspection, the registration and the registration fee.

Please only fill in this form if you are ok with this price to avoid unnecessary exchanges with this provider. If you wish to do this yourself, you will find a lot of information below on the dedicated page.

Once this form has been completed, it will immediately be forwarded to the english-speaking service provider who will contact you.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Name Send

By validating this form, you authorise me to forward your request to an English-speaking company in Lisbon who will contact you to discuss your project. Nothing is automated, these are people I know personally, who are serious and qualified to help you with your project.

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for death insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best death insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new death insurance. A precious help to make your expatriation project in Portugal a reality.

You can indicate in your message when you would like to be contacted to discuss this.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Phone Send

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for boat insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best boat insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new boat insurance. A precious help to make your expatriation project in Portugal a reality.

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for dental insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best dental insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new dental insurance. A precious help to make your expatriation project in Portugal a reality.

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for motorcycle insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best motorcycle insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new motorcycle insurance. A precious help to make your expatriation project in Portugal a reality.

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for life insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best life insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new life insurance. A precious help to make your expatriation project in Portugal a reality.

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for car insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best car insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new car insurance. A precious help to make your expatriation project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Comment Send

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for home insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best home insurance deals at the best prices. He will take care of proposing you several offers and of subscribing to your new home insurance. A precious help to make your expatriation project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Message Send

The form below will be forwarded to an insurance broker specialising in the Portuguese market who will offer you the best prices for a mutual insurance in Portugal.

Benjamin will contact you directly to discuss your needs and offer you the best health cover at the best price for you and your family. He will take care of proposing you several offers and of subscribing to your new health insurance. This is a precious help to make your expatriation project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Email Send

The form below will be forwarded to an English-speaking architect based in Lisbon who specialises in the study and support of construction or renovation projects in Portugal.

He will contact you directly to find out more about your project, your needs and discuss with you its feasibility and the best way to accompany you. Study of the file, analysis of the feasibility with the town hall, constitution of the best team or coordination of the building site are all steps that will allow you to carry out your project. A precious help to make your expatriation project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone number * Subject * Your project * Message Send

The form below will be forwarded to an English speaking company based in the Algarve and specialised in the purchase of new vehicles in Portugal.

They will contact you directly to find out more about your project, your needs and will accompany you through the whole process of buying a vehicle in Portugal: proposal of the best prices found in Europe, import of the vehicle, registration and delivery. A precious help to make your car purchase project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last Email * Phone Number * Project and needs * Submit

The form below will be sent to an English speaking company based in Lisbon and specialised in company buy-outs in Portugal. A company takeover is a meticulous operation for which it is essential to be accompanied in the research, selection, visits, financial analysis, negotiations or even the signature to make sure that everything is done correctly and in accordance with the legislation in force in Portugal.

Experts in business acquisition in Portugal will contact you directly to discuss your project, your needs and the best way to accompany you to make it happen. Valuable help from English-speaking experts to make your plans for setting up in Portugal a reality.

You can indicate in your message when you would like to be contacted to discuss it.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Subject * Your project / Your needs * Website Send

The form below will be forwarded to an English-speaking company based in Lisbon that specialises in assisting with administrative procedures in Portugal.

They will contact you directly to find out more about your project, your needs and accompany you through the process of obtaining your Non-Habitual Resident (NHR) status in Portugal. They will accompany you to the authorities and will take care of the preparation and submission of your application. A precious help to make your expatriation project in Portugal a reality.

The form below will be forwarded to a firm of English speaking accountants based in Lisbon who specialise in all accounting activities for companies based in Portugal.

They will contact you directly to find out more about your project, your needs and how best to assist you with your personal or business accounting: bookkeeping, declarations, human resources, balance sheets, VAT recovery and other tasks essential to the smooth running of your Portuguese business.

Valuable English-speaking support for the development of your business in Portugal. You can indicate in your message when you wish to be contacted to discuss this.

The form below will be forwarded to an English-speaking company based in Lisbon that specialises in property searches throughout Portugal. These property hunters can assist you in your search for a property, but also in the search for building land, agricultural land or even the search for a business to buy.

They will contact you directly to find out more about your project, your needs and will accompany you throughout the process of research, negotiation, signing, translation of documents, installation and administrative procedures. A turnkey search and a precious help to concretize your project of personal or professional installation in Portugal.

Please provide as much information as possible about your project and your search. You can also indicate in your message when you would like to be contacted to discuss it.

They will contact you directly to find out more about your project, your needs and accompany you through the process of obtaining your NIF in Portugal. They will make an appointment at Finanças and accompany you to obtain your Portuguese tax number. A precious help to make your expatriation project in Portugal a reality.

You can indicate in your message when you wish to be contacted to discuss this.

The form below will be forwarded to a firm of English-speaking accountants based in Lisbon who specialise in business creation and accounting throughout Portugal.

They will contact you directly to find out more about your project and will accompany you throughout the entire process of setting up your business in Portugal: administrative procedures, assistance with financing, opening your bank account, declarations, drafting the articles of association and accounting. A precious help to make your business project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Where do you want to set up your business * What type of company would you like to create * Your project / Your needs * Email Send

The form below will be forwarded to an English-speaking company based in Lisbon that specialises in property projects throughout Portugal.

Rui will contact you to find out more about your project and will accompany you throughout the entire property purchase process, from research to negotiation, translation of documents, installation, administrative procedures and even accompaniment to the notary’s office for the signature. A precious help to make your real estate project in Portugal a reality.

Please enable JavaScript in your browser to complete this form. Name * First Last E-mail * Phone * Type of property required * House Villa Apartment Location * Approximate date of real estate purchase Period of presence in Portugal Budget * Interior area in m2 * Outside surface area in m2 Number of bedrooms * Number of bathrooms Small works possible Yes No Major work possible Yes No Your project / Your needs * Message Send

Everything You Need to Know about Portugal Travel Requirements

You might worry about Portugal travel requirements, whether you’re taking a vacation or relocating to the country. No doubt, Portugal is a fine place to be. It has breathtaking scenery, vibrant culture, and delicious food. 

What I’m about to share in this article, is a comprehensive guide on Portugal travel requirements for first-timers.

This article will help you familiarize yourself with the country’s travel requirements, especially if you’re coming from outside the European Schengen Area. 

What do you need to travel to Portugal from anywhere?

Your passport is your key to entry. Ensure it has at least 3 months of validity beyond your intended departure date and contains at least 2 blank pages for entry stamps.

Furthermore, your passport must:

• Be issued less than 10 years before the date you enter the country
• Must have at least 3 months of validity left after the date you plan to leave Portugal.

Always ensure that your passport meets these requirements. You can also contact your embassy if you think your passport does not meet the requirements. Renew your passport if necessary.

For most countries, you will need a visa to travel to Portugal. However, for stays under 90 days within a 180-day period, citizens of many countries, including the United States, Canada, and Australia, don’t need a visa. 

Other countries that can travel to Portugal visa-free for short stays includ e Estonia, Finland, France, Czech Republic, Belgium, Austria, Iceland, Latvia, Liechtenstein, Lithuania, Luxembourg, Greece, Germany, Hungary, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

However, if you’re unsure about your visa status, it’s crucial to check with the nearest Portuguese embassy or consulate well in advance.

Other Essentials

To ensure a smooth border crossing, you also need to have proof of the purpose of travel to Portugal. 

This boils down to documents such as hotel reservations, tickets to a show, invitation letters from friends/relatives, booked tours, and your onward travel itinerary (like a plane ticket). You may also need to present your return ticket and proof of accommodation. 

Furthermore, you will need proof of sufficient funds (e.g., bank statement) readily available. You’ll need to have a minimum of €45 (or 47.43 USD) per day to visit Portugal

Documents Required for Short-stay Portuguese Visa Application (Portugal Schengen Visa Application)

• Your passport (following the instructions above)
• A completed and signed Portugal visa application form
• Two passport-sized photographs taken in the last three months
• A round-trip reservation or itinerary 
• Travel health insurance with a minimum coverage of 30,000 Euros
• A copy of the photo page of your passport 
• Proof of sufficient funds to cover your stay in Portugal using your bank account statement or sponsorship letter
• Proof of your accommodation in Portugal such as hotel booking or rental agreement or Letter of invitation from a host in Portugal (where applicable).
• Proof of paid visa fee
• Minors must additionally provide birth certificate/proof of adoption/custody decree if parents are divorced/death certificate of parent

Additional Considerations

• Traveling with minors: If traveling with minors, specific requirements may apply depending on whether they’re traveling alone, with one parent, or both. Generally, Portuguese law demands that foreign minors under 18 years entering or exiting Portugal must have an authorisation letter of Parental consent to travel. 
• Long-term stays: If you plan to stay in Portugal for more than 3 months, registering your presence with the authorities is mandatory. You can complete this process at any immigration office or police station within 3 business days of arrival.

COVID-19 Updates – Do I need Vaccinations to Travel to Portugal?

As regulations can change quickly, it’s crucial to stay updated on the latest COVID-19 entry requirements for Portugal. 

You can find the most recent information on the official Portuguese government website or through travel advisories from your country’s embassy/consulate in Portugal. Nevertheless, here are some common requirements and steps you can expect:

• A valid vaccination EU Digital COVID Certificate (with a complete vaccination schedule or a complete COVID-19 vaccination schedule and vaccine booster)
• Or a valid proof of vaccination certificate or recovery certification issued by a third country under reciprocal conditions from the CDC
• Or a negative COVID-19 or RT-PCR Test at about 72 hours before boarding 
• Or a negative Laboratory Rapid Antigen Test about 24 hours before boarding. 
• Or a valid test or recovery EU Digital COVID Certificate.

There are however, exemptions for children and kids under the age of 12. 

Steps to travel to Portugal

if it’s your first time traveling to another country, especially Portugal, you might be concerned about the full details of the entry process. Here’s what you must know.

• Ensure you have a visa when you need one. Portugal is part of the Schengen area. So there might be circumstances (as explained before) where you might need or not need a visa.
• You can get your visa by visiting the embassy or consulate of Portugal. Make sure you allow at least 15 calendar days before your journey when applying for the short-stay visa. Furthermore, the earliest you can apply is three months before your trip. 
• Get a clear stamp on your passport when you first enter the Schengen area. Airlines might refuse boarding, if you don’t have proof of entry or have overstayed your visa. 
• Always carry your passport. This is important especially when crossing borders in the Schengen area. 
• Stay updated on entry and exit conditions. It can change at any time. So you need to pay attention to the guidelines in the Portuguese Immigration and Border Service , or your embassy/consulate of Portugal . 

Furthermore, once you arrive in Portugal, you’ll need to pass through border protocols before entering the country. On occasion, this means going to the dedicated lane for foreign arrivals. There you must present your passport to be stamped. 

The Portuguese border authorities might also ask for additional confirmation such as the purpose of your trips and whether you have sufficient information. Do note that sometimes they might not ask for additional information. But it’s always best to have your valid documents with you to provide proof where necessary. 

Finally, your passport is stamped and you can enter Portugal freely. Remember if you entered for a short stay, you have only 90 days within 180 days to stay in Portugal.

It is unwise to overstay your visa (or short-stay). Doing so attracts a fine and you might be banned from entering in the future. 

Decoding Portugal’s Customs Regulations

Another important part of learning about Portugal travel requirements is knowing what you can bring into the country. Familiarizing yourself with Portugal’s customs regulations is important to avoid any unnecessary delays or issues upon arrival. 

Fortunately, Portugal has a generous duty-free allowance for travelers entering from non-EU countries. Here’s a quick guide on what you can carry on your person. But also remember that you must be above 17 years old before this applies to you. And if you carry beyond the allowances, you must declare them and pay the duty on the excess amount. 

• Tobacco: 40 cigarettes, 50 cigars, or 250g of tobacco.
• Alcohol: 1 liter of spirits with an alcohol content of over 22% OR 2 liters of spirits with less than 22% alcohol content OR 4 liters of wine OR 16 liters of beer.
• Perfume: 250ml of eau de toilette or 50ml of perfume.
• Other goods: Goods for personal use up to a value of €430.

Portugal’s Currency Exchange

Portugal uses the Euro (EUR) as its official currency. This simplifies things for travelers who are coming from or will be visiting other European countries. Plus, you can always exchange your country’s currency at a variety of options including banks, airport exchange booths, and currency exchange offices. Also ATMs are a convenient way of accessing cash during your trip. 

But you should also be aware of any potential fees that might apply. It’s always wise to carry a small amount of Euros in cash for immediate needs upon arrival, especially if you arrive outside of regular banking hours. And cash makes it easier to purchase things during your trip. Some travelers, have even said that sometimes, they meet all-cash parking lots, making it difficult to access when they don’t carry cash. 

Wrapping Up

Portugal travel requirements aren’t as complicated as you might imagine. But familiarizing yourself with the different steps, helps you prepare ahead. You should also pay attention to any updates that might appear before you travel to Portugal. 

Frequently asked Questions about Portugal Travel Requirements

What medications are restricted in portugal.

Any medications that require prescriptions are restricted under Portuguese law. This ranges from heart condition rugs, antibiotics, diabetes, injectable medicines, codeine, plain cortisone creams, asthma medications, and more. So you can only carry prescription medications for personal use into Portugal. 

Is Portugal’s visa easy to get? 

A Portuguese visa only takes about 15 calendar days and is pretty straightforward. But then the time of the year, such as summer, and having incomplete documentation can delay your application. That said, you should get a replay in no later than a month or two. 

Is healthcare free in Portugal for tourists?

Portugal does not offer free medical treatment to tourists, outside the EU citizens. However, you can purchase travel medical insurance that would cover your private health care, emergency, hospitalization, and even repatriation. Nevertheless, the cost of healthcare in Portugal is very affordable. You can easily purchase that insurance and cover any out-of-pocket fees with ease. 

Do I need injections for Madeira?

You don’t require any vaccinations officially to visit Portugal. But, the WHO and CDC recommend getting all your applicable vaccinations whether you are moving to Madeira or any other parts of Portugal (or any country in particular). These vaccines include hepatitis B, hepatitis A, rabies, meningitis, polio, measles, mumps, rubella (MMR), Tdap, chickenpox, pneumonia, and COVID-19 vaccines. 

Can you travel to Portugal unvaccinated?

No, you cannot travel to Portugal unvaccinated. It is super vital to have all applicable vaccinations required before traveling to Portugal.

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Travel Advisory July 26, 2023

Portugal - level 1: exercise normal precautions.

Reissued with obsolete COVID-19 page links removed. 

Exercise normal precautions in Portugal.

Read the country information page for additional information on travel to Portugal.  

If you decide to travel to Portugal:  

• Enroll in the  Smart Traveler Enrollment Program  ( STEP ) to receive travel alerts and make it easier to locate you in an emergency.
• Follow the Department of State on  Facebook  and  Twitter .
• Review the  Country Security Report  for Portugal.
• Visit the CDC page for the latest Travel Health Information related to your travel.
• Prepare a contingency plan for emergency situations. Review the  Traveler’s Checklist .

Embassy Messages

View Alerts and Messages Archive

Quick Facts

3 months beyond the date of intended departure.

Not required for stays in the Schengen area under 90 days and within a 180-day period. A new period begins after a 90-day absence from the Schengen area.

10,000 Euros or equivalent

Embassies and Consulates

U.s. embassy lisbon.

Av. das Forças Armadas, Sete-Rios 1600-081 Lisbon Portugal Telephone: +(351) (21) 770-2122 Emergency After-Hours Telephone: +(351) (21)-770-2122 or +(351) (21) 727-3300 Fax: +(351) (21) 727-2354 Email:  [email protected] Facebook

U.S. Consulate Ponta Delgada Av. Príncipe do Mónaco No, 6-2 F 9500-237 Ponta Delgada, Açores Portugal Telephone: +(351) (296) 308-330 EmergencyAfter-Hours Telephone: +(351) (21) 727-3300  Fax: +(351) (296) 287-216 Email:   [email protected]

Destination Description

Learn about the U.S. relationship to countries around the world.

Entry, Exit and Visa Requirements

Contact the embassy of Portugal at 202-350-5400 for the most current visa information. 

Portugal is a party to the Schengen Agreement and part of the European Union.

Traveling Through Europe: If you are planning to visit or travel through European countries, you should be familiar with the requirements of the Schengen Agreement. 

• U.S. citizens may enter Portugal for up to 90 days for tourism or business without a visa.
• Your passport should be valid for at least three months beyond the period of stay.  If you plan on transiting a Schengen country, review our U.S. Travelers in Europe page .   
• You will need sufficient proof of funds and a return plane ticket. 

For information about visas for the Schengen area, see the Schengen Visa page .

If you are not staying in a hotel or a similar tourist accommodation, you are required to register your presence in Portugal with the Portuguese Immigration Service (SEF) within three working days of entering Portugal. You must download a declaration of entry form (declaracão de entrada) from SEF's website and personally submit it to the nearest SEF office within three business days of entry. Failure to comply with these requirements will result in an administrative offense punishable with a fine from €60 to €160.

Under Portuguese Immigration law, foreign minors under 18 years of age entering or exiting Portugal must possess an authorization letter of parental consent to travel, if travelling with adults other than their parent(s) or legal guardian. The document must be signed and dated, with the signature(s) certified by a notary. The letter of parental consent to travel must include the dates and reason for travel and the details about the adult responsible for the child. More information here .

Find additional information on traveling with minors on the  Portuguese Immigration Service  webpage.

HIV/AIDS Restrictions: The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of Portugal.

Find information on  dual nationality ,  prevention of international child abduction  and  customs regulations  on our websites.

Safety and Security

Credible information indicates terrorist groups continue plotting possible near-term attacks in Europe. All European countries, including Portugal, remain potentially vulnerable to attacks from transnational terrorist organizations. U.S. citizens are reminded to remain vigilant with regard to their personal security.

Crime:  Crimes of opportunity, such as pickpocketing and purse snatching, particularly at popular tourist sites, restaurants, and on public transportation, are common. Pickpockets take advantage of crowds getting on and off all forms of public transportation, such as the popular Tram 28, using the jostling of the crowd as a distraction. Avoid standing near the doors on public transportation, as thieves will often strike just as the train/bus doors open and then dash onto the platform and disappear into the crowd.

• Safeguard your passport and identity documents when traveling throughout Portugal. Foreigners who arrive in Portugal without a valid passport will not be permitted to enter and will be returned to their point of origin.
• Be aware of your surroundings and take personal security measures to stay safe. Thefts of backpacks, electronics and luggage occur regularly. Do not leave valuables in rental cars, especially those with stickers identifying the vehicle as a rental car. Tourists are frequent victims of petty crime/car break-ins.
• Avoid using automatic teller machines (ATMs) in isolated or poorly lit areas. Use the buddy system and indoor bank ATMs when possible. Leave extra cash, credit cards, and personal documents at home or in a hotel safe.
• Keep doors and windows of private rentals locked at all times, taking extra care if easily accessed from the street or other places.
• Illicit drug transactions increase at night, and travelers are often approached by drug dealers in the downtown area of Lisbon, especially near the bars and restaurants. Some travelers have reported incidents in which criminals used drugs to assault or rob them. Use caution when accepting open drinks at bars or clubs, and do not leave drinks unattended.
• Always use a taxi from the queue or kiosk. Do not go with someone who walks up to you and offers a ride. If you have called a ride sharing service such as Uber, confirm that the car information in the App matches the vehicle you are entering.
• Tourists should not leave personal items or valuables unattended while at the beach.
• Reports of thefts from rental homes and online rental apartments have increased.  Secure belongings and lock windows while away or sleeping.

Demonstrations occur in Portugal. They may take place in response to political or economic issues, on politically significant holidays, and during international events.

• Even demonstrations intended to be peaceful can turn confrontational and possibly become violent.
• Avoid areas around protests and demonstrations.
• Check local media for updates and traffic advisories.

International Financial Scams: See the  Department of State  and the  FBI  pages for information.

Victims of Crime: Local authorities are responsible for investigating and prosecuting crimes. Report crimes to the local police at 112 (National Emergency Number) and contact the U.S. Embassy at +(351) (21) 770-2122 or the emergency after-hours telephone: +(351) (21)-770-2122 or +(351) (21) 727-3300.

• U.S. citizen victims of sexual assault should seek medical attention if needed and are encouraged to contact the U.S. Embassy for assistance.
• For social welfare emergencies such as domestic violence or child abuse, dial the National Social Emergency Line - 144. English-speaking operators are available.

See our webpage on  help for U.S. victims of crime overseas .

• help you find appropriate medical care
• assist you in reporting a crime to the police
• contact relatives or friends with your written consent
• explain the local criminal justice process in general terms
• provide a list of local attorneys
• provide information on  victim’s compensation programs in the United States
• provide information about a Portuguese victim assistance program, administered through an organization known by its acronym “ APAV ”  
• provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution
• help you find accommodation and arrange flights home
• replace a stolen or lost passport

Domestic Violence: U.S. citizen victims of domestic violence may contact the Embassy for assistance. Additionally, Portugal has an “SOS” immigrant line with English-speaking operators who are ready to help you in case of emergency. You may contact them at +351 808 257 257 between the hours of 8:30 a.m. and 8:30 p.m.

Tourism:  The tourism industry is generally regulated and rules regarding best practices and safety inspections are regularly enforced. Hazardous areas/activities are identified with appropriate signage, and professional staff is typically on hand in support of organized activities. In the event of an injury, appropriate medical treatment is widely available throughout the country. Outside of a major metropolitan center, it may take more time for first responders and medical professionals to stabilize a patient and provide life-saving assistance. U.S. citizens are encouraged to purchase medical evacuation insurance . 

Natural Disasters: In the event of a natural disaster or other widespread emergency, travelers can monitor the Portuguese Civil Protection Authority’s website at Prociv.pt for the latest information. All U.S. citizens living or traveling in Portugal should also monitor local news reports, follow directions from local officials, and take appropriate action needed.  Additionally, information about areas in Portugal impacted by any events can be found at: http://www.prociv.pt/en-us/SITUACAOOPERACIONAL/Pages/ocorrenciassignificativas.aspx.

We recommend all Americans enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages, alerts, and make it easier to locate you in an emergency.

Local Laws & Special Circumstances

Criminal Penalties:  You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned. 

• Filming and photographing the police or military and certain buildings in Portugal is illegal and could lead to arrest or detention.
• Driving under the influence of drugs or alcohol could land you in jail.
• Possession and/or use of narcotics and illegal drugs can result in fines, administrative penalties, mandatory drug treatment, criminal punishment, or prison, depending on type, quantity and usage. 
• Penalties for trafficking illegal drugs are severe. Offenders can expect long jail sentences.
• Pepper spray is illegal and will be confiscated. Persons carrying it are subject to fines or prison.
• Possession of unlicensed metal detectors is strictly forbidden, and persons caught with them are subject to fines.
• Individuals establishing a business or practicing a profession that requires additional permits or licensing should seek information from the competent local authorities prior to practicing or operating a business.  

Furthermore, some U.S. laws allow criminal prosecution in the United States, regardless of where the crime was committed. For examples, see our website on  crimes against minors abroad  and the  Department of Justice  website.

Arrest Notification:  If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy immediately. Your U.S. passport will not help you avoid arrest or prosecution.

See our  webpage  for further information.

Faith-Based Travelers:  See our following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Report  – see country reports
• Human Rights Report  – see country reports
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTI Travelers:  There are no legal restrictions on same-sex sexual relations or the organization of LGBTI events in Portugal. See   our  LGBTI Travel Information   page and section 6 of our  Human Rights report  for further details.

Travelers Who Require Accessibility Assistance:   General information on accessibility and accommodations is available on the website of the  Portuguese Tourism Board .

• Driving : You can drive with your U.S.-issued driver’s license for up to six months. Please note that many highways require a toll for use. Highway tolls in Portugal can be confusing, please visit  https://www.portugaltolls.com/en  for more information.
• Public transportation : Public transportation, in general, has specially reserved seats for individuals with disabilities, but some vehicles may not be equipped to load and secure wheelchairs mechanically.
• Trains : The State Railway Operator, Caminhos de Ferro Portugueses (also known as CP – Combóios de Portugal ), has a free service called “integrated mobility service” (SIM), mainly aimed at reduced mobility customers. English-speaking customer service representatives can be reached by phone at + 351 808 100 746 (to request SIM Service) or (+351) 707 210 746 (reduced mobility passengers can request information about various concerns, 24 hours a day). SIM staff provides train and station accessibility, assistance with boarding/exiting or during the train ride, and assistance with trip planning. Some train stations are equipped with elevators. Requests for information or assistance must be made at least 48 hours before travel. For additional information, please visit Caminhos de Ferro Portugueses’ page for Special Needs Customers. 
• Subway (Metro) : Thirty-one of Lisbon Metro’s 52 stations offer full accessibility to people with disabilities. Elevators and moving walkways at main stations provide access from the platform to street level, as well as payment machines adapted for passengers with disabilities and/or visual impairment. Passengers with visual disabilities can travel with their guide dogs as long as their service animals are leashed and muzzled. Check  Lisbon Metro’s website  for more information. Porto’s new metro system provides system-wide accessibility for passengers  with a network of elevators, ramps, and spaces for wheelchairs onboard metro cars. Check  Porto Metro’s website  for more information about accessibility.
• Airports : All Portuguese airports provide wheelchairs and bathrooms to accommodate persons with disabilities.
• Parking : Designated parking with a wheelchair symbol is available in most supermarkets and commercial centers. The National Help Line for the Disabled (Linha Nacional de Apoio à Deficiência) can be reached by phone at +351 21 795-9545 (10 a.m.-12:30 p.m. and 2 p.m. – 5 p.m., Monday – Friday). Assistance is only available in Portuguese.

Students:  See our  Students Abroad  page and  FBI travel tips .

Women Travelers:  See our travel tips for  Women Travelers .

For emergency services in Portugal, dial 112.  Ambulance services are widely available, but training and availability of emergency responders may be below U.S. standards. 

The U.S. government does not pay medical bills.  Be aware that U.S. Medicare does not apply overseas.  Most hospitals and doctors overseas do not accept U.S. health insurance.

• Good medical care is available, but facilities may be limited outside urban areas. Public hospitals offer services at costs lower than private hospitals.
• Payment is expected upon admission at private hospitals.
• Call the national emergency response for an ambulance at 112 for life-threatening emergencies.

Medical Insurance:  Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance coverage overseas. We strongly recommend  supplemental insurance  to cover medical evacuation.

If traveling with prescription medication, check with the  Government of Portugal to ensure the medication is legal in Portugal. Always carry your prescription medication in original packaging with your doctor’s prescription. Portuguese law prohibits the mailing of prescription medicines from the United States to Portugal. Any prescription medications mailed to Portugal will be impounded by the Portuguese customs office.

You should bring a sufficient supply of medication with you to cover your anticipated stay in Portugal, along with a copy of your physician's prescription. Portuguese pharmacies generally carry equivalent medications to those found in the United States; however, they may be sold under a different brand name, may not be available in the same dosage, or may require a prescription from a local doctor.

Vaccinations:  Be up-to-date on all  vaccinations  recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention  (CDC)

Air Quality: Visit AirNow Department of State for information on air quality at U.S. Embassies and Consulates.

The U.S. Embassy maintains a list of doctors and hospitals for Medical Assistance . We do not endorse or recommend any specific medical provider or clinic.

Travel and Transportation

Road Conditions and Safety:  While Portugal has significantly expanded its motorway network with well-constructed roads that decreased the total number of accidents and fatalities, its road-accident fatality rate is still high. Use caution when driving, as aggressive driving habits and high speeds pose special hazards. Use appropriate care and caution while on the roadways, practice safe driving habits, and adhere to the applicable speed limits.

Traffic Laws:  It is against the law to speed, drive while under the influence of alcohol or drugs, or use a mobile phone while driving. Fines for traffic offenses are substantial.

• Seatbelts are mandatory for drivers and all passengers. Small children must be in a child safety seat in the rear seat with seatbelts fastened.
• Portuguese law requires you to leave your vehicle where it is and immediately notify the police when involved in a traffic accident. The national emergency phone number 112.
• Police in Portugal have the authority to fine on-the-spot and most of their vehicles have portable payment machines to facilitate immediate payment.
• You may drive with a valid U.S. driver's license for up to six months. For international driving permits, please contact AAA or the National Auto Club.

Public Transportation:  Taxis and prominent ride-sharing services such as Uber are a reliable means of transportation. Refer to the crime section of this page to alert yourself to other threats related to taxis and ride-sharing services. Bus service is also reliable.

In the Azores, driving can be challenging due to narrow cobblestone streets, blind curves, blind corners, and livestock on country roads. Public buses are inexpensive. Bus services begin at 7 a.m. and generally operate until 8 p.m., depending on the destination.

See our  Road Safety page  for more information. Visit the website of Portugal’s  national tourist office  and the national authority responsible for road safety.

Aviation Safety Oversight:

The U.S. Federal Aviation Administration (FAA) has assessed that the government of Portugal’s Civil Aviation Authority is in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of Portugal’s air carrier operations. Further information may be found on the  FAA’s safety assessment page .

Maritime Travel:  Mariners planning travel to Portugal should also check for  U.S. maritime advisories and alerts . Information may also be available on the  U.S. Coast Guard homeport website and the National Geospatial-Intelligence Agency  broadcast warnings .

Please see Fact Sheet for Portugal here.

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in Portugal . For additional IPCA-related information, please see the International Child Abduction Prevention and Return Act ( ICAPRA ) report.

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Protect Your Trip »

Does my health insurance cover international travel.

Private health insurance typically doesn't cover international travel expenses.

Can Health Insurance Cover Trips Abroad?

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Be prepared for unforeseen healthcare expenses when traveling abroad.

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Most individual health insurance policies in the U.S. do not provide coverage for overseas emergency care, either. Without that coverage, if you break a leg or your travel companion has a heart attack during your trip, you will not have financial protection against the medical expenses that accrue. To know for sure what your plan entails, call your individual health insurance company to find out what is and isn't covered.

Does Medicare cover international travel?

If you have Medicare coverage, the lack of overseas protection you have is even more cut and dry. Medicare rarely pays for medical care you receive while traveling outside the United States, according to the U.S. Department of State. However, Medicare may pay for some inpatient hospital stays, doctor visits, ambulance services or dialysis care you receive in a foreign country "in rare cases." Possible scenarios include the following:

• You are in the U.S. when the emergency occurs, but a foreign hospital is the closest one that can treat you.
• You are traveling through Canada on a direct route to Alaska and a medical emergency takes place in a region that is closest to a hospital in Canada.
• The U.S. government also says you may get Medicare coverage overseas "if you live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat you, regardless of whether you have a medical emergency."

In any of these scenarios, however, Medicare only pays for medical expenses Medicare would normally cover if you were in the U.S. Unfortunately, it may be difficult to know which services are and are not covered before you receive treatment, particularly if you are in an emergency medical situation where timing is critical.

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How to get health insurance for international travel

There are two main options when it comes to acquiring health coverage for international travel: travel insurance or a travel credit card with (limited) health insurance.

Consider an international travel insurance policy

To decide whether or not you should purchase health insurance for your trip abroad, take a look at the best international travel insurance policies and what they offer in the following categories:

Medical coverage: If you wind up needing medical treatment abroad, you'll be glad you have a travel medical insurance plan in place. With a medical insurance policy for overseas, you can get emergency medical treatment where and when you need it – and without arriving home from your trip to a mountain of overseas medical debt.

You will want to compare travel medical insurance plans to make sure you have adequate coverage limits for everyone on your trip. Either way, some of the best travel health plans come from companies like Allianz Travel Insurance, GeoBlue, Seven Corners, Trawick International and WorldTrips. As an example, a Travel Medical Plus plan from Seven Corners lets you secure international medical coverage in amounts up to $5 million.

Coverage for preexisting conditions: Some travel insurance companies provide coverage for preexisting conditions. In most cases, you must purchase your travel insurance within a specific amount of time after making your initial trip deposit for preexisting conditions coverage to apply. With the Allianz OneTrip Emergency Medical Plan, for example, you must purchase travel coverage within 14 days of making your first trip payment in order for preexisting conditions to be included.

Other conditions can apply when you're trying to get coverage for preexisting medical conditions as well, so be sure to read the fine print when comparing options.

Medical evacuation coverage: Be aware that, even if your own health insurance plan in the U.S. provides some coverage for emergency care overseas, you will not have emergency coverage for medical evacuation. The U.S. Department of State points out that medical evacuation can cost $50,000 or more in many countries depending on your location and the care you need.

Fortunately, most travel insurance companies with travel medical insurance also provide coverage for emergency medical evacuation and repatriation of remains. This coverage comes in varying amounts depending on the insurance company and plan you select.

Cancel for any reason coverage: Having overseas medical coverage is crucial when you're planning trips abroad, but you should know that a comprehensive travel insurance plan can give you even more peace of mind. Common coverages in these plans include trip cancellation and interruption insurance, flight delay or cancellation coverage, baggage insurance, personal liability insurance, and more.

You can even opt for a plan with "cancel for any reason" or CFAR coverage that lets you cancel your trip and get a percentage of your trip cost back for any reason at all – even if you just decide to stay home. In addition to single-trip plans, you can also find multitrip travel insurance policies and annual travel insurance plans .

Compare travel insurance plans and get a quote .

Consider a credit card with travel insurance

Some travel credit cards include health insurance, albeit limited and with restrictions. For example, the Chase Sapphire Reserve covers up to $100,000 in medical evacuation expenses, but only if your trip is booked using the card. This credit card comes with a premium annual fee of $550, however, so you'll have to weigh the benefits and drawbacks alongside the health coverages.

Why Trust U.S. News Travel

Holly Johnson is a veteran travel writer who has visited more than 50 countries in the world over the last decade. She covers a range of destinations and travel types, as well as travel insurance policies through major providers. Johnson purchases travel insurance for her own family and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

• Is Travel Insurance Worth It?
• The Best COVID-19 Travel Insurance Options
• The Best Travel Insurance for Seniors and Retirees
• The Best Expat Travel Insurance Options
• How to Get Airport Wheelchair Assistance

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Mallorca’s capital is quickly becoming one of the hottest cities in the Med for food.

Nepal is not expensive, and there’s plenty of value to be had for visitors that follow these budget tips, along with a guide to daily costs.

From glorious stretches of white sand to secluded rocky coves, here are Mallorca's best beaches.

Choose the right time for your visit to Ecuador with this seasonal guide.

Jun 6, 2024 • 7 min read

Beautiful beaches and natural wonderlands drenched in southern charm – Coastal Georgia's islands have something for everyone.

The queen of the French Riviera, Nice drips elegance and panache. Here are some things to know before you arrive to help you fit in with the glitterati.

Jun 5, 2024 • 8 min read

Andean flavors, coastal seafood, Afro-Ecuadorian recipes and Spanish influences converge to create an innovative food-and-drink scene in Ecuador.

Jun 5, 2024 • 7 min read

No matter your hiking ability, Alaska's diverse trails provide plenty of opportunities for recreation.

Plan a summer adventure to Hilton Head, Folly Beach and other South Carolina Sea Islands with this guide.

Jun 5, 2024 • 11 min read

Plan your summer vacation to Wisconsin's Door County with our top tips.

Jun 5, 2024 • 5 min read

Explore Boston by bike with this guide to the city's best off-road routes, its local bike-share program and top safety tips.

Plan your trip to Argentina with this guide to climate, crowds and costs.

Jun 5, 2024 • 10 min read

Whether you're a history buff, a nature lover, or simply seeking relaxation by the sea, Rhode Island will make you glad you came.

Jun 5, 2024 • 17 min read

An expert's guide to flying the world with the boost of points & miles: how to choose the perfect airline credit card.