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Travel Insurance for Portugal

Compare travel insurance for Portugal

published: 11 October 2022
Read time: 5 minutes

Popping to Portugal? Arrange travel insurance as soon as you book so you can let loose and enjoy your holiday.

Are you about to book a relaxing trip to Portugal? Are you planning a long weekend in the buzzing capital city of Lisbon? Or are you considering a relaxing stay on the Algarve coast? Whatever your plans are, taking out travel insurance for Portugal can help you enjoy your vacation and cover any unexpected mishaps that may occur during your holiday.

Read through MoneySuperMarket’s brief guide and discover how travel insurance can benefit your well-deserved stay in Portugal.

Why do I need travel insurance for Portugal?

If you’re planning a getaway to Portugal, make sure you remember to organise travel insurance.

Travel insurance will provide you with a financial safety net in case you fall ill or have an accident during your holiday. It will also cover you in case you lose your belongings or have them stolen.

Having travel insurance in place also means you’ll be covered if you have to cancel or cut short your holiday unexpectedly. Ultimately, this means you won’t be left completely out of pocket.

Coastal Portuguese Outcrop

What should my travel insurance policy for Portugal include?

A good travel insurance policy for Portugal should cover the following:

  • Medical cover for emergency treatments abroad.

  • Repatriating you to the UK.

  • The cancellation or curtailment of your holiday.

  • Delay and missed departures, or in case a situation beyond your control (e.g., a car accident) means you can’t get to the airport on time.

  • Travel abandonment. This is where you give up trying to reach your destination because your journey has become too difficult to complete.

  • Lost and stolen baggage.

  • The loss or theft of your passport. Even if this isn’t a standard part of your policy, it may be worth adding as an extra. Obtaining a new passport while outside the UK can be both costly and difficult.

  • Personal liability. This protects you in case something you do injures a third party, causes the loss of their possessions, or destroys something that belongs to them.

Travel insurance for Portugal: exclusions and things to watch out for

While travel insurance is a vital safety net if you’re going away, there are some things that it will not cover.

Common travel insurance exclusions are:

  • Illness or injury arising from pre-existing medical conditions. A pre-existing condition is any illness that was diagnosed or whose symptoms you discussed with your doctor before going away. If you have such a condition, you may have to pay extra for your cover and/or take out a specialist policy.

  • Unexpected incidents that affect your holiday. These could include terrorist activity, civil unrest, or the effects of a natural disaster.

  • Any accident, illness, or injury that happens as a result of you drinking alcohol. If you hurt yourself or another person while you’re drunk, your insurer will almost certainly refuse to pay out.

  • Travel to locations that the Foreign, Commonwealth & Development Office (FCDO) has advised British tourists to avoid.

  • Accidents or injuries that happen during sporting activities such as skiing, scuba diving, surfing, and snowboarding. If you’re planning to take part in pursuits like these while on holiday in Portugal, check to make sure you are properly covered in advance.

Make sure you look at the excess payable on your travel insurance policy, too. It must be affordable, and you should understand how many separate excesses you might have to pay under the terms of your policy if you had to claim.

Some insurance companies attach an excess to different ‘categories’ of claim, rather than to the policy as a whole. What’s more, some have an excess per person listed on the policy, rather than a single excess covering the whole party.

Also, never delay the start of your travel insurance policy until the day you are due to depart. If you do, you’ll have no cover in between booking and flying. Should something unexpected prevent you from going to Portugal as planned, you could lose every penny you’ve spent on your holiday.

Will my EHIC/GHIC cover me in Portugal?

Portugal is a member of the EHIC scheme as it is a European Union country. Even though Britain is no longer part of the EU, it is still participating in the scheme.

The European Health Insurance Card (EHIC) and the new UK Global Insurance Health Card (GHIC) are designed to give cardholders access to state-provided healthcare in EU countries. This is only for holidaymakers and tourists and only applies to emergency treatment.

The UK GHIC is free, and you can apply for your GHIC through the NHS.

Your EHIC/GHIC will not cover the cost of repatriating you in an emergency. It would also not cover the expenses of a family member who had to stay in Portugal to help look after you while you were ill. Moreover, it provides no protection in other difficult situations, such as if you are the victim of a crime while on holiday.

To have full peace of mind, it is a good idea to take the EHIC/GHIC and a comprehensive travel insurance policy with you on your holiday.

Top travel tips for Portugal

There’s more to think about than travel insurance when planning your next holiday to Portugal. Keep in mind these five top tips for when you visit the country:

Keep your ID close

In Portugal, you must be able to produce photo identification if asked for it by a police officer. It’s, therefore, a good idea to keep some on you at all times. However, a photocopy of the ID page of your passport should be sufficient.

Learn the (right) lingo

Wherever you’re heading on holiday, it’s always a good idea to learn a few words of the local language.

Did you know that European Portuguese is not the same as Portuguese spoken in Brazil?

Many of the Portuguese language learning tools, apps, and phrasebooks you’ll come across are geared towards Brazilian Portuguese. Hence, it is important to make sure you check before you buy.

Enjoy some super soup

Soup may not be at the top of your list of foods to enjoy while on holiday. However, it’s traditionally eaten in Portugal at least once per day and is a central part of the Portuguese diet.

This means that local chefs have some pretty exceptional recipes up their sleeves. Different regions within Portugal offer a variety of flavours, textures, and ingredients in their signature soups.

Experience authentic piri piri

If you’re a fan of spicy chicken, don’t go to Portugal without trying the local version. Not to mention, the delicious little custard tarts called pasteis de nata.

Carry some cash

As is the case in most European countries, credit and debit cards are widely accepted.

However, smaller towns and establishments away from popular tourist resorts may have fewer facilities for processing payments by card. Therefore, it’s a good idea to keep some cash on you too.

Planning a trip to Lisbon or Porto?

If you’re looking for travel insurance for your next trip to Portugal, MoneySuperMarket is happy to help you find the right deal for your needs. Having travel insurance for Portugal will allow you to explore and enjoy the country’s many beauties with peace of mind.

Just provide us with a few details about you and your plans, and we’ll scour our market to find an array of affordable deals for you to choose from.

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