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Compare Portugal travel insurance quotes

Compare Portugal travel insurance quotes

Do you need travel insurance if travelling to Portugal? Read our guide on Portugal travel insurance and compare quotes to find the right cover to suit your needs.

Patrick Ikhena
From the Travel team
minute read
posted 29 OCTOBER 2019

Do I still need travel insurance for Portugal?

While it isn’t a legal requirement, we do recommend that you have travel insurance for your holidays in Europe, including Portugal.

What about if I have an EHIC card?

The European Health Insurance Card (EHIC) isn’t an alternative to travel insurance, and the Foreign and Commonwealth Office (FCO) recommends having both when visiting an EU country, such as Portugal.

You can apply for a free EHIC card on the NHS website.UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.

The EHIC could help you get emergency medical treatment in a public Portuguese hospital, and some insurance providers might waive any excess on a medical claim if you have one, so it’s worth having. However, it doesn’t cover:

  • emergency treatment in a private hospital
  • mountain rescues
  • repatriation costs if you need to be flown home

Medical costs in Europe could be as high as £25,000, so travel insurance may help with costs that aren’t covered by an EHIC.

What can travel insurance cover?

Insurance providers vary, so always check the details of your policy carefully. A good travel insurance policy should cover:

  • medical care if you were to fall ill or have an accident in Portugal
  • flight cancellations and delays your travel insurance could protect you against any extra costs that these incur
  • loss, damage or theft of luggage
  • holiday cancellation cover – check the details carefully, the reasons covered can vary between insurance providers

What else should I consider when choosing my travel insurance?

Consider what activities you’ll be doing, and make sure your travel insurance covers them. You may need extra cover for:

  • Water sports - particularly popular on the Algarve
  • Golf - Portugal is one of the world’s top destinations for golfing holidays
  • If you’re driving to Portugal, you may want to consider European breakdown cover

Any other tips for a trip to Portugal?

Here’s a few tips to help you enjoy your trip to Portugal:

  • tipping – although tipping isn’t usually expected in Portugal, you should try to add around 5-10% to your restaurant bill if the service was good. And an extra Euro or two for your taxi driver, although not required, would be appreciated
  • crime – Portugal is generally a safe country, with low crime rates compared to other countries in Europe. But it pays to always be vigilant and keep valuables out of sight
  • driving – Portugal’s road safety record has improved significantly in recent years, with road fatalities down by 40% since 2010. However, road accident rates are still far higher than the UK, so take extra care if driving, and let more aggressive drivers pass you if need be

Where can I compare travel insurance quotes?

No matter where you’re going in Portugal, it’s always a good idea to get the right level of travel insurance protection in place before you go.

Travel insurance is a highly competitive market, so it makes sense to shop around and compare a range of insurance providers before committing to one.

Whether you want cover for a single trip to Portugal, or you want an annual policy, we can help keep things simple.

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