fbpx

Travel Insurance for Portugal

Travelling to Portugal for a much-needed getaway? Compare your travel insurance options with Savvy.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 5th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Compare Travel Insurance Quotes in 30 Seconds

Whether you’re wanting to traverse its colourful villages or relax at its lush beach resorts, it’s always important to have peace of mind when you’re travelling to Portugal. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to Portugal?

You don’t necessarily ‘need’ travel insurance if you’re taking a trip to Portugal. However, it’s strongly recommended that you purchase a policy before you jet off on your international holiday,

Whether you’re planning to soak up the warm climate of Lisbon or take in the sea vistas along Portugal’s western coastline. Whether you’re wanting to tick a few World Heritage sites off your list, surf in Ericeira or savour some Portuguese tarts, your trip to Portugal is bound to be unique. However, there are still things for tourists and visitors to look out for, so it’s paramount you compare with Savvy and get the right travel insurance before leaving.

If you’re eager to experience all of what Europe has to offer, some of the incidentals to watch for include:

  • Crime: even though robberies are more common in big cities, they may happen everywhere, even in smaller towns and especially in coastal ones. Use extra caution in the Lisbon metropolitan area including spots such as Sintra and Queluz. Keep all of your items, especially your passport and other travel papers, safe. Be aware of your surroundings, don't flash large amounts of cash around and don't flaunt expensive watches, jewellery, cameras or mobile phones.
  • Natural disasters: one of the ways travel insurance covers you when you’re on holiday is if you’re entangled in a natural disaster. This protection is particularly important if you’re travelling to Portugal, as the country routinely experiences earthquakes and forest fires. The island of São Jorge and the archipelago of Azores commonly experience seismic activity. Forest fires have also become frequent in recent years due to high temperatures and more severe droughts.
  • Spiked drinks: never trust someone you don't know to buy you food or drinks. Don't trust new friends enough to take food, drink, gum or cigarettes from them. You risk sexual assault and robbery if you use any of these products, which may include narcotics.
  • Swimming: always swim between the flags at the beach, rivers and other waterways. You could cop a fine for not looking after your safety. Beware of dangerous jellyfish and other ocean life found swimming among reefs. Be wary about wandering too near to the water's edge on beaches during the autumn and winter months, when waves might be larger than anticipated and can wash ashore farther ashore than planned.
  • Road safety: Road accidents are incredibly common across Portugal, with motorists tending to use excessive speeds, tailgate and act recklessly. In addition to the dangers posed by other vehicles, slow-moving equipment is a common sight on rural and interstate roadways. Take caution on the “calçada, ” the uneven and often slippery pavement seen in cities.

What’s covered by my travel insurance for my holiday to Portugal?

Depending on the policy and level of protection you purchase with a broker or online, travel insurance can help if you become ill or injured while travelling, lose your things, or suffer airline cancellations or delays. Travel insurance can cover much of the following:

  1. Overseas medical bills: It’s a good idea to take out travel insurance in case you’re struck down with an illness or injure yourself and require medical attention while in Portugal. Many hospitals are of a reasonable standard; however, you’ll need to pay for your treatment upfront, which is a good reason to take out travel insurance to save you the hassle and cost.
  2. Evacuation or repatriation: you may need medical evacuation to Australia if you are in a critical condition due to illness or injury. Luckily, your insurer can pay for your evacuation and repatriation, including if you need to disembark a cruise ship, which may cost up to $100,000 without insurance.
  3. Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
  4. Lost, stolen or damaged bags: most insurance providers will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
  5. Individual items: taking a phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen personal items.
  6. Travel delays: most travel insurance cover hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner. For example, some insurers allow you to claim $300 per day if your flight is delayed for more than 24 hours.
  7. Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, your insurance company may pay up to $5 million.
  8. Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
  9. Optional extras: scuba diving in the Porto Moniz waters or having a round of golf at Monte Rei? Most travel insurance plans don't cover these activities automatically but they do offer supplementary coverage for an added premium.

However, most travel insurance companies won’t cover you for the following incidentals:

  1. Unapproved pre-existing medical conditions, such as mental illness
  2. Lost possessions left unattended
  3. Breaking local laws and road rules
  4. Accidents caused by drug or alcohol use
  5. Travelling to a country against Australian government advice
  6. Treatment for unapproved pre-existing medical conditions

What factors should I consider before buying travel insurance for a trip to Portugal?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to southwestern Europe. However, by comparing with Savvy, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you. If you’re over 65 and planning a trip to Portugal, you’ll likely be paying a higher premium based on your age, so it will be worth shopping around to find the best seniors' travel insurance policy.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’re travelling to Portugal but also taking a holiday to Asia and other locales across the year, an annual policy may be more suited to you than single-trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in Portugal

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you’re planning to parasail off Albufeira’s coast or go motorcycling through the streets of Lisbon, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison of several brands with Savvy. For example, some may allow you to claim up to $7,500 if you suffer an overseas dental emergency, while other providers will only let you claim $5,000.

Inclusions and exclusions

When searching for the best international policy for your trip to Portugal, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

Why compare travel insurance with Savvy?

Top tips for saving on your travel insurance to Portugal

Combine policies

You can get group policies from providers covering you and your partner, your extended family, and even your children or grandchildren. Most providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can pay less for your travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use on your holiday. Before you purchase a travel insurance policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which provider gives you the best travel insurance coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance for Portugal

Does travel insurance for Portugal cover me for COVID-19-related costs?

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in Portugal and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to Portugal as of September 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease.

Can I take out travel insurance if I’m already in Portugal?

Yes – you can buy travel insurance if you’re already wheels up and headed to Portugal for your holiday through a broker or online. You won’t need much to take out travel insurance, only the details of your trip and some other important information. You’ll be afforded the exact coverage you would usually get if you purchased before departure. However, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

When is the best time to buy travel insurance for Portugal?

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

How do I make a claim on my travel insurance if I’m in Portugal?

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

  • Fill out your claim form with plenty of detail
  • Attach any documents, such as receipts, medical evidence, or proof of purchase
  • Submit your claim

 
The majority of the time, you should hear back from your insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

How much will my travel insurance to Portugal cost?

The cost of your travel insurance to Portugal will be determined by a range of interchangeable variables, including:

  • Your age
  • The length of your trip and destinations
  • Whether you suffer any pre-existing conditions
  • If you need optional extras, such as adventure sports cover
  • The insurance company you’ve chosen
  • The level of cover you have purchased
  • What part of Portugal you’re travelling to (for example, you may not be able to receive cover if you’re travelling somewhere experiencing a natural disaster)

Helpful travel insurance guides

Travel Insurance Banner - Man looking on his computer at travel insurance.

How Much Is Travel Insurance?

Wondering how much your travel insurance might cost? Compare with Savvy and find out today. Compare Travel Insurance Quotes in...

Travel Insurance Banner - Father pointing out the window at the airport with his son.

What is Travel Insurance?

Compare with Savvy and find out more about what travel insurance is today. Compare Travel Insurance Quotes in 30 Seconds...

Travel Insurance Banner - Young couple smiling in a meeting with a travel insurance broker.

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

Travel Insurance Banner - Couple holding hands at the airport looking out over the runway.

Why Do I Need Travel Insurance?

Asking yourself why you need travel insurance for your holiday? Compare with Savvy and understand the benefits. Compare Travel Insurance...

Travel Insurance Banner - Young couple sitting on fold-out chairs next to their caravan.

Cheap Domestic Travel Insurance

Compare with Savvy and find a cheap travel insurance deal for your next domestic holiday. Compare Travel Insurance Quotes in...

Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy broker and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.