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Do I Need Travel Insurance for Portugal? A Complete 2025 Guide

Writer's picture: MicahMicah

Updated: Jan 28


statue and archway in downtown Lisbon
Getting ready for a trip to Portugal?

Planning a trip to Portugal? Whether you're strolling through Lisbon's cobblestone streets, sipping port wine in Porto, or soaking up the sun in the Algarve, travel insurance is something you shouldn't overlook. In this guide, we’ll answer the question, "Do I need travel insurance for Portugal?" and explain why it’s a smart investment for your 2025 adventure.


Table Of Contents


Why Travel Insurance for Portugal is Essential

Portugal is a dream destination, but even the best-laid plans can go awry. Travel insurance ensures you’re protected against unexpected events like:

  • Medical emergencies (hospital stays, doctor visits, or COVID-19 treatment)

  • Trip cancellations or interruptions (due to illness, weather, or strikes)

  • Lost or delayed baggage (replacing essentials while traveling)

  • Travel delays (missed connections or extended stays)

While travel insurance isn’t mandatory for Portugal, it’s highly recommended for peace of mind and financial protection.

Common Travel Risks in Portugal

Portugal is a safe and welcoming country, but travelers should be aware of potential risks:

  1. Medical Emergencies: Healthcare in Portugal is excellent, but costs can add up for non-residents.

  2. Flight Issues: Delays and cancellations are common, especially during peak travel seasons.

  3. Lost or Stolen Items: Pickpocketing can occur in crowded tourist areas like Lisbon and Porto.

  4. Weather Events: Sudden storms or wildfires can disrupt travel plans.

  5. Strikes and Protests: Public transportation strikes can affect your itinerary.



A airport workerr stacking peoples luggage in from a belt into a cart
Things happen, Be prepared!

Why Standard Insurance Isn’t Enough

Many travelers assume their existing insurance will cover them abroad, but this is rarely the case. Here’s why standard insurance falls short:

  • Credit Card Travel Protection: Often limited and excludes key scenarios like medical emergencies.

  • Basic Health Insurance: Most plans don’t cover international medical expenses.

  • European Health Card (EHIC): Only provides basic coverage and doesn’t include trip cancellation or baggage loss.

A comprehensive travel insurance plan fills these gaps, ensuring you’re fully protected.

What Does Comprehensive Travel Insurance Cover?

A robust travel insurance policy for Portugal typically includes:

Medical Coverage

  • Emergency medical expenses (up to $250,000)

  • COVID-19 treatment and quarantine costs

  • Emergency medical evacuation (up to $500,000)

  • Pre-existing condition waivers (if purchased within 14 days of booking)

Trip Protection

  • 100% reimbursement for trip cancellations

  • 150% coverage for trip interruptions

  • Compensation for travel delays (after 6+ hours)

  • Missed connection coverage

Baggage and Personal Items

  • Reimbursement for lost, stolen, or delayed baggage

  • Coverage for sports equipment and electronics

Additional Benefits

  • 24/7 travel assistance services

  • Non-medical evacuation (e.g., political unrest)

  • Easy claims process via mobile app


How Much Does Travel Insurance for Portugal Cost?

The cost of travel insurance depends on several factors:

  • Age: Older travelers may pay slightly more.

  • Trip Duration: Longer trips require higher premiums.

  • Total Trip Cost: More expensive trips increase coverage costs.

  • Coverage Options: Add-ons like Cancel For Any Reason (CFAR) will raise the price.

On average, travel insurance for Portugal costs 4-10% of your total trip expenses. For a 3,000trip,expecttopaybetween3,000trip,expecttopaybetween120 and $300 for comprehensive coverage.

The Smart Solution: Comprehensive Travel Insurance

A comprehensive travel insurance plan like Faye provides essential coverage that can save you thousands:

Why Choose Faye for Your Portugal Trip?

When it comes to protecting your Portugal trip, Faye Travel Insurance stands out for its:

  1. Comprehensive Coverage: One plan covers most travel risks, from medical emergencies to lost luggage.

  2. Flexible Add-Ons: Customize your policy with options like CFAR or adventure sports coverage.

  3. Digital-First Experience: Manage your policy and file claims through a user-friendly app.

  4. Fast Claims Processing: Get reimbursed quickly with minimal hassle.

  5. Excellent Value: Affordable premiums for extensive protection.


A woman standing on a bridge smiling with her arm outstretched
Don't worry about it!

FAQs About Portugal Travel Insurance

1. Is travel insurance mandatory for Portugal?

No, but it’s highly recommended to protect against unexpected costs.

2. Does travel insurance cover COVID-19?

Yes, most comprehensive plans, including Faye, cover COVID-19-related medical expenses and trip cancellations.

3. Can I buy travel insurance after booking my trip?

Yes, but it’s best to purchase within 14 days of your initial deposit to maximize benefits like pre-existing condition waivers.

4. What’s the best travel insurance for Portugal?

Faye Travel Insurance is a top choice for its comprehensive coverage, affordability, and ease of use.

How to Get Covered Today

Ready to protect your Portugal trip? Follow these simple steps:

  1. Get a Quote: Click here for an instant quote.

  2. Customize Your Plan: Add optional coverage like CFAR or adventure sports protection.

  3. Purchase Your Policy: Complete your purchase within 14 days of booking for full benefits.

  4. Download the App: Access your policy and file claims on the go.

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Protect your trip with Faye Travel Insurance

Final Thoughts: Travel with Peace of Mind

Portugal is a breathtaking destination, but unexpected events can happen to anyone. With comprehensive travel insurance, you can explore Lisbon’s historic neighborhoods, savor Porto’s world-famous wine, and relax on the Algarve’s golden beaches without worrying about the "what-ifs."

Don’t wait—get your personalized travel insurance quote today and embark on your Portuguese adventure with confidence!



Get your personalized quote today and travel with confidence knowing you're protected by comprehensive coverage that works when you need it most.


PT NOW: BONUS TIPS

  • Check with your current health insurance to see if they cover travel

  • you may not need to buy travel insurance until a few days before your trip and not at the time you book

  • Some credit cards have travel benefits that may cover travel insurance, this may be a cheaper option if you qualify for the cards.



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