Compare Portugal travel insurance quotes

Portugal is a compelling mix of historic and cultural treasures, and is known for its glorious golden beaches, medieval forts and production of port. Read our guide on Portugal travel insurance and compare quotes to find the right cover to suit your needs.

Portugal is a compelling mix of historic and cultural treasures, and is known for its glorious golden beaches, medieval forts and production of port. Read our guide on Portugal travel insurance and compare quotes to find the right cover to suit your needs.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
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Last Updated 9 FEBRUARY 2022

Do I need travel insurance for Portugal?

While it isn’t a legal requirement, travel insurance for Portugal can cover you if become ill, have your trip cancelled or your valuables stolen while you’re away.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

How much is travel insurance for Portugal?

If you’re travelling to Portugal, you’ll need European travel cover. A travel policy can cost from as little as £5.93 for a week’s holiday in Europe [1].

But bear in mind that the exact cost of your travel insurance will depend on your age, the level of cover you need for your trip, what activities you’re planning and any pre-existing health conditions.

If you travel regularly, you might find that an annual travel insurance policy could save you money overall. 

[1]Based on Compare the Market data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2022.

What does Portugal travel insurance cover?

While your holiday to Portugal should be all about having fun and enjoying the great weather, you should check what your travel insurance covers you for. A typical policy should include:

  • Medical cover – this could pay for treatment if you were to fall ill or have an accident in Portugal. 
  • Loss, damage or theft of luggage and passports - remember to take note of any excesses that apply on your policy, as well as the overall possessions and single-item limit – the maximum your insurance provider will pay out for one item.
  • Cancellations and delays – if your holiday is cancelled, delayed or shortened, your travel insurance could protect you against any extra costs that these incur. Cover for a missed connection isn’t included in all policies, so check the policy T&Cs before buying if you want cover for this.
  • Repatriation – if there’s trouble with the airline, or you need special travel arrangements due to a medical requirement, these costs can be covered.
  • Covid-19 cover  – cover for cancellation, medical expenses, extended stays and repatriation because of Covid-19. Get a travel insurance quote with us and you can compare the levels of Covid-19 cover available. Just look for the ‘more details’ option on the quote results page. 

What isn’t included in Portugal travel insurance?

Here are some of the things that typically won’t be included in your travel insurance policy:

  • Pre-existing medical conditions – if you need cover for these, you’ll usually have to pay more for your premium. By failing to disclose any pre-existing conditions, you’ll most likely void your policy and have to pay for your treatment yourself.
  • Injuries or accidents resulting from high-risk activities –you’ll typically have to pay extra to cover sports like rock climbing, surfing or scuba diving. 
  • Incidents related to alcohol or drug use – Portugal is popular for sunny holidays with friends looking for good nightlife. In areas like Lisbon, Porto and the Algarve, you’ll find a range of bars and nightclubs. It’s important you’re careful though – if you’re injured or lose something while you’re intoxicated, your claim is likely to be rejected.
  • Natural disasters and terrorism – your policy might offer some cover but check the details carefully. Portugal does experience earthquakes and tremors from time to time, while forest fires can occur in the summer months.

What else should I consider when I choose my Portugal travel insurance?

Think about any activities you’ll be doing while in Portugal, and make sure your travel insurance covers them. You may need extra cover for:

  • Golf – Portugal is one of the world’s top destinations for golfing holidays. You can add golf insurance to single or annual trip cover if it’s not already included in your standard policy. 
  • Extreme sports – this can cover you for activities like skydiving in the Alentejo region or canyoning in the Azores.
  • Water sports – Portugal is a popular place for water sports holidays, particularly in the Algarve, so make sure you’re covered for activities such as surfing and waterskiing. 

If you’re driving to Portugal, you may want to consider European breakdown cover.

Do I need a visa to visit Portugal?

If you’re a British citizen, you won’t need a visa to enter Portugal. Only those staying for longer than three months will need to obtain a residence permit.

More details about the entry requirements for Portugal can be found on the GOV.UK website, including rules on Covid-19 vaccines and testing. 

Do I need travel insurance for Portugal if I have an EHIC or GHIC card?

Portugal is in the EU, so it’s a good idea to take your European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) with you. This isn’t an alternative to travel insurance, but it gives you the right to state medical treatment on the same terms as EU nationals. However, it doesn’t cover:

  • Emergency treatment in a private hospital.
  • Mountain rescues.
  • Repatriation costs if you need to be flown home.

Now that the UK has left the EU, you’ll no longer be able to apply for an EHIC. But if you already have one issued before the end of 2020, it will still be valid until the expiry date.

The UK government has introduced the GHIC to replace the EHIC. If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

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 5-10% to your restaurant bill if the service was good. And an extra euro or two for your taxi driver, although not required, will 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, but road accident rates are still far higher than in the UK. So take extra care if driving.

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 travel insurance in place before you go.

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

Frequently asked questions

When is the best time to visit Portugal?

If you’re looking for long, hot, sunny days, the best time to visit Portugal is generally between June and August. These tend to be the driest months, with temperatures reaching up to 30°C. But if you want to escape the crowds, it’s best to avoid the busy summer months - particularly if you’re planning a trip to the Algarve.

What cover do I need for a golfing holiday to Portugal?

Portugal is known for its spectacular golf courses, but standard travel insurance might not give you the cover you need. It might be worth adding specialist golf insurance to your policy. This can cover the cost of replacing your golf clubs if they’re damaged or stolen while you’re away. It could also cover green fees if an accident or illness stops you from playing.

Is Portugal good for a surfing holiday?

Definitely. The rolling Atlantic waves make Portugal a great place to surf. Peniche and Ericeira are considered the best spots, but you can also catch some serious waves in the Algarve and Porto. Make sure you include water sports insurance in your travel policy if you’re surfing. This could cover the cost of replacing your surfboard if it gets damaged or stolen, along with medical costs if you get injured.

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