The top travel insurance providers in Portugal include Allianz Travel, April International, AXA, GeoBlue, and VUMI. Each offers comprehensive coverage with varying levels of benefits to give you peace of mind during your trip to Portugal.

In this Pacific Prime article, we’ll explain everything you need to know about travel insurance in Portugal, including its importance for obtaining a Schengen visa and comparisons for plans from leading insurers. 

All monetary figures mentioned are in United States Dollars unless otherwise stated.

The Best Travel Insurance Providers in Portugal

Pacific Prime’s top five picks for the best travel insurance providers for those heading to Portugal include Allianz Travel, April International, AXA, GeoBlue, and VUMI. Below, we provide a brief overview of travel insurance coverage from each insurer. 

Allianz Travel

Allianz Travel offers a variety of coverage, whether single or annual plans, for travelers in Portugal. Their plans are Schengen-approved and help holders cover expenses on medical costs, cancellations, trip interruptions, and baggage loss/delay incurred during their travels. 

Additional benefits include coverage for travel delays and protection for pre-existing medical conditions. Travelers also gain access to 24-hour assistance and concierge services.

Some plans also offer SmartBenefits—a program from Allianz Travel offering quick payouts for travel and baggage delay.

Their single-trip travel insurance plans include: 

• OneTrip Basic

For travelers on a budget, OneTrip Basic offers a more affordable option with essential benefits detailed below:

• Trip cancellation: Up to $10,000
• Trip interruption: Up to $10,000
• Emergency medical care: Up to $10,000
• Medical evacuation: Up to $50,000

• OneTrip Prime 

OneTrip Prime is Allianz Travel’s most popular plan with comprehensive benefits, including: 

• Trip cancellation: Up to $100,000
• Trip interruption: Up to $150,000
• Emergency medical care: Up to $50,000
• Medical evacuation: Up to $500,000

Children 17 and under are included in the plan when traveling with a parent. 

• OneTrip Premier

The OneTrip Premier plan builds on the benefits of OneTrip Prime, offering higher coverage limits for greater peace of mind. It offers the following benefits:

• Trip cancellation: Up to $200,000
• Trip interruption: Up to $300,000
• Emergency medical care: Up to $75,000
• Medical evacuation: Up to $1,000,000

• OneTrip Emergency Medical

Allianz Travel’s OneTrip Emergency Medical plan focuses on essential medical and travel protection, making it ideal for travelers seeking health-focused coverage.

• Emergency medical care: Up to $50,000
• Medical evacuation: Up to $250,000
• Lost/damaged baggage: Up to $600
• Travel delay: Up to $1,000

• OneTrip Cancellation Plus

The OneTrip Cancellation Plus is the most budget-friendly option for travelers who only need trip cancellation and interruption coverage without post-departure benefits. 

• Trip cancellation: Up to $5,000
• Trip interruption: Up to $5,000
• Travel delay: Daily limit $150 

For frequent travelers, multi-trip/annual trip travel insurance plans from Allianz Travel can offer a cost-effective package, as you don’t need to purchase separate policies for each trip. Allianz Travel’s multi-trip/annual plans include: 

• AllTrips Basic

The AllTrips Basic plan is designed for frequent travelers who prioritize emergency medical coverage over trip cancellation benefits. Its coverages include:

• Emergency medical care: Up to $20,000
• Medical evacuation: Up to $100,000
• Lost/damaged baggage: Up to $1,000
• Travel delay: Daily limit $200
• Rental car damage coverage: Up to $45,000

• AllTrips Premier

The AllTrips Premier plan offers flexible benefits ideal for individuals seeking year-round coverage with varying levels of protection for trip cancellation and interruptions. 

• Trip cancellation: $2,000 / $5,000 / $10,000 / $15,000
• Trip interruption: $2,000 / $5,000 / $10,000 / $15,000
• Emergency medical care: Up to $50,000
• Medical evacuation: Up to $500,000

• AllTrips Executive

Allianz Travel tailors the AllTrips Executive plan for business travelers seeking trip protection and business-related benefits as outlined below:

• Trip cancellation: $5,000 / $7,500 / $10,000
• Trip interruption: $5,000 / $7,500 / $10,000
• Lost/damaged baggage: $1,000
• Baggage delay: $1,000
• Business equipment coverage: $1,000
• Change fee coverage: $500
• Loyalty program redeposit coverage

• AllTrips Prime

The AllTrips Prime plan by Allianz Travel offers affordable, year-round protection for frequent travelers.

• Trip cancellation: Up to $3,000
• Trip interruption: Up to $3,000
• Emergency medical care: Up to $20,000
• Medical evacuation: Up to $100,000

April International 

April International offers short-term international health insurance, making it a suitable choice for individuals traveling temporarily abroad, including to Portugal and other European countries. Coverage durations range from one month up to one year.

In addition, April provides Schengen-specific travel insurance that meets the mandatory coverage requirements for obtaining a Schengen visa. Your options include the MyTravel Emergency and MyTravel Comfort plans. 

Benefits	Emergency (Coverage only in case of an accident or medical emergency)	Comfort
Maximum medical expenses	$293,665 (EUR 250,000)	$587,330 (EUR 500,000)
Medical and surgical hospitalization	Paid in full
Repatriation assistance	100% of actual costs

AXA

As a European-based provider, AXA offers a wide selection of comprehensive travel insurance plans for those planning their trip to Portugal and other European countries. Travelers are able to tailor the level of coverage to meet their travel needs and the Schengen visa requirements.

The table below provides a summary of AXA’s travel insurance plans: Bronze, Silver, Gold, and Platinum.

Benefits	Bronze	Silver	Gold	Platinum
Trip cancellation	–	100% of trip costs	100% of trip costs	100% of trip costs
Trip interruption	$2,500	100% of trip costs	150% of trip costs	150% of trip costs
Emergency medical expenses	$100,000	$25,000	$100,000	$250,000
Emergency evacuation	$250,000	$100,000	$500,000	$1,000,000

GeoBlue 

Catering specifically to American travelers, GeoBlue has exceptional travel insurance coverage, whether you are looking for single- or multi-trip insurance with access to the highest-quality network hospitals in Portugal and beyond. 

For U.S. citizens and residents, GeoBlue offers two single-trip travel insurance options: Voyager Choice and Voyager Essential. Both plans provide the same level of core benefits, including: 

• Post-departure trip interruptions: Up to $1,000

• Medical coverage limits: $50,000–$1,000,000

• Emergency evacuation: Up to $500,000

• Repatriation of mortal remains: $25,000

The key difference lies in eligibility and coverage for pre-existing conditions: Voyager Choice requires a primary U.S. health plan and includes coverage for pre-existing conditions, while Voyager Essential does not require a primary health plan but excludes coverage for pre-existing conditions. 

For U.S. residents who travel abroad frequently, multi-trip travel insurance like the GeoBlue Trekker Essential and GeoBlue Trekker Choice is an ideal choice for year-round coverage. The table below summarizes and compares their benefits. 

Benefits	GeoBlue Trekker Essential	GeoBlue Trekker Choice
Maximum medical expenses	$500,000	$1,000,000
Emergency evacuation	$250,000	$500,000
Repatriation of mortal remains	$15,000	$25,000
Lost baggage	N/A	$500 per trip
Pre-existing conditions	Included	Included

Note that to be eligible for both plans, applicants must hold a primary health insurance plan. 

VUMI 

VUMI offers flexible, customizable travel insurance plans for both single and annual trips. Known for its VIP-level services, VUMI provides 24/7 emergency assistance and the freedom to choose any doctor or hospital worldwide, making it an excellent choice for travelers heading to Portugal. 

The VUMI Travel VIP plan comes with fully customizable options:

• Policy type: Select from single-trip or annual multi-trip coverage. Each plan can be adjusted for the duration and covered days, with options to extend coverage as needed (up to 365 days for single trips). 
• Optional add-ons: You can personalize your plan by adding one or both of the following riders.
  1. Non-medical add-ons: These include luggage protection, travel delays, missed connections, cash or passport theft, personal liability, hospital daily benefit, etc. 
  2. Trip cancellation add-on: Protection for trip cancellation due to serious illness, injury, or death. 

Travel Insurance Requirements for Portugal 

Travel insurance is a mandatory requirement for visitors from 103 countries who must obtain a Schengen visa to enter Portugal. These travelers must provide proof of insurance that meets specific Schengen requirements as part of their visa application.

For short-term visitors who do not require a Schengen visa, travel insurance is not legally required but is still strongly recommended to protect them against unexpected medical or travel-related expenses. 

Schengen Visa Explained for Visitors to Portugal 

A Schengen visa is a short-term visa that allows travelers to visit any of the 29 European countries in the Schengen Area, including Portugal, for up to 90 days within a 180-day period.

It is required for citizens from 103 countries which have not reached a visa liberalization agreement with the EU, including many in Africa, Asia, and the Middle East.

On the other hand, citizens from nations such as the United States, the United Kingdom, Australia, Japan, Canada, and South Korea are allowed to travel visa-free for short stays of up to 90 days.

To apply for a Schengen visa, applicants are requested to submit multiple documents, which generally include a visa application form, a valid passport, a passport-sized photo, proof of sufficient funds, travel plan-related documents, and proof of travel insurance. 

To be accepted, your travel insurance must meet the following criteria:

• Minimum coverage of €30,000 (approximately $33,000)
• Valid for all Schengen Area countries
• Must cover any expenses related to emergency medical treatment, hospitalization, and repatriation (including in the event of death)

For more details, visit our article on How to Get a Portugal Schengen Visa for Short-Term Stays (2025 Guide).  

Long-Term Visa Insurance Requirements for Portugal 

Similar to Schengen visa requirements, applicants of any nationality planning to stay in Portugal for more than 90 days must provide proof of valid health insurance with a minimum coverage of €30,000 (approximately $33,000), including emergency medical treatment and repatriation.

You can find more information on our site about Portugal’s long-term residency visas, including:

• D1 Work Visa
• D2 Visa for Entrepreneurs
• D3 Visa for Highly Skilled Workers
• D4 Student Visa 
• D5 Long-term Student Visa
• D6 Family Reunification Visa
• D7 Passive Income or Retirement Visa
• Digital Nomad Visa
• Golden Visa

Travel Insurance Options for Portugal

There are several types of travel insurance to keep you protected during your trip to Portugal, depending on the type of protection you want and how often you travel.

Traditional Travel Insurance in Portugal

Traditional travel insurance protects you from financial loss in case unexpected events or accidents disrupt your travel plans. This typically covers:

• Trip cancellations or interruptions
• Delayed or missed flights
• Lost, stolen, or delayed baggage
• 24/7 customer service

Travel Medical Insurance in Portugal 

On the other hand, travel medical insurance specifically covers potential medical expenses resulting from illness or injury while you are in Portugal. It’s essential for meeting visa requirements and because tourists aren’t covered by the country’s public healthcare system. Typically, coverages include: 

• Hospitalization
• Outpatient treatment
• Medical evacuation
• Repatriation of remains

Single-trip Vs Multi-trip Insurance Options

Single-trip and multi-trip travel insurance differ in coverage duration and travel frequency. Single-trip insurance covers one specific journey, while multi-trip insurance provides coverage for multiple trips within a 12-month period.

For people like business travelers and digital nomads who travel frequently, multi-trip insurance is often more cost-effective and convenient than purchasing a new policy for each trip.

What Travel Insurance Doesn’t Cover

Travel insurance offers essential protection for many travel and medical risks, but it does not cover every situation. Below is a list of common exclusions in travel insurance.

• Routine dental and health care: Travel insurance only covers expenses from emergency medical situations and excludes non-emergency standard health checkups, preventive exams, and routine dental care.
• Foreseeable events: Claims for events such as forecasted natural disasters, ongoing epidemics, or traveling against government advisories usually aren’t covered. 
• War, terrorism, and civil unrest: Many policies exclude claims arising from war, civil war, acts of terrorism (unless specifically included), and nuclear risk. However, you may be entitled to emergency evacuation if unrest breaks out during your vacation. 
• Pre-existing medical conditions: Unless specifically included, standard travel insurance typically does not cover medical issues that existed before the policy was purchased. However, some plans and providers offer optional add-ons or waivers to cover pre-existing conditions.
• Deliberate acts and intoxication: Illnesses or injuries that occur while under the influence of alcohol or drugs are typically excluded from coverage. Incidents involving illegal activity or fraudulent claims can also nullify your insurance protection.
• Adventure sports and activities: Unless you purchase a special rider, high-risk sports like skydiving, mountaineering, caving, bungee jumping, and scuba diving often remain excluded from coverage. 

That said, the details of coverage and exclusions vary widely among different plans and providers. Always read your policy’s documentation for details about your chosen plan. 

The Cost of Travel Insurance for Portugal

The price of travel insurance for Portugal depends on the length of your trip, your age, and your overall trip costs, with comprehensive plans for Portugal costing an average of $19.78 per day. A medical-only plan is generally cheaper at $4.17 per day.  

Is Travel Insurance for Portugal Really Necessary?

Travel insurance is often considered an extra expense, but it provides valuable protection and peace of mind when you need it most. Whether it’s a medical emergency or a lost suitcase, unforeseen events can disrupt your travel plans and result in significant costs.

Unexpected expenses, especially medical bills in foreign countries where you are not eligible for government support, can easily exceed travel insurance costs, making travel insurance a smart investment for any travelers to Portugal.  

Simple Steps to Get Travel Insurance for Portugal

To purchase a comprehensive travel insurance plan, follow the simple steps below:

Step 1: Determine Your Insurance Needs

Use this online tool to find out if you need a Schengen visa and the required travel insurance coverage. Then, consider key factors like your trip length, budget, pre-existing medical conditions, and personal preferences to determine the ideal insurance plan for your trip.

Step 2: Research Plans

Explore your options by comparing travel insurance providers, or consult an insurance broker, an expert who can help you find the perfect plan tailored to your needs and budget.

Step 3: Compare Quotes

Whether you research on your own or utilize professional help, it is recommended to compare quotes from each provider. For a simple solution, check out our free quote tool.

Step 4: Apply for Coverage

It is recommended to apply for coverage as soon as possible. You will be asked to provide information regarding your destination and the length of your trip, as well as health information like your age, pre-existing conditions, and planned activities.

Step 5: Receive and Review Your Policy

Once your application is approved, carefully review all coverage details, terms, and conditions to ensure they match what you requested. For those applying for a Schengen visa, submit your policy documents along with other required paperwork. 

While traveling, keep a copy handy to assist with any claims or emergencies. 

Other Insurance Options for Your Portugal Visit

If you’re looking for broader medical coverage, consider alternatives such as international health insurance and short-term health insurance.

These options often provide more extensive medical coverage than standard travel insurance, making them ideal for longer stays or travelers with specific healthcare needs.

International Health Insurance 

International health insurance offers the most comprehensive medical coverage for those living or traveling abroad. These plans typically include a wide range of customizable, globally portable benefits that can be tailored to your lifestyle. 

Short-Term Health Insurance

Short-term health insurance typically offers broader and more comprehensive coverage than standard travel insurance. It often includes benefits such as preventive care, emergency services, urgent care, diagnostic tests, and even discounts on medication.

Additionally, short-term health insurance provides greater flexibility in choosing where and how you receive treatment, whether in the country you are visiting, a nearby country with higher-quality care, or your home country. 

Secure Insurance for Your Trip with Pacific Prime 

If you’re thinking about getting travel insurance or other types of insurance for your trip to Portugal, Pacific Prime is here to help. 

With over 25 years of experience, Pacific Prime is a trusted global insurance broker that helps travelers and expats find insurance plans tailored to their needs and budget. We offer free quote comparisons, expert advice, and claims support at no extra cost.

Check out our free online quote comparison tools or contact us today to start making your trip to Portugal unforgettable.

For more useful information about Portugal, visit our article on the Cost of Living in Portugal or Top Hospitals in Portugal for Expats and Travelers. 

Frequently Asked Questions

Is travel insurance required for Portugal?

If you’re from a country that requires a Schengen visa, travel insurance covering at least €30,000 for medical expenses and repatriation is mandatory. For those without visa requirements, having travel insurance is still highly recommended to protect against unexpected medical or travel emergencies.

What’s the best travel insurance for long stays in Portugal?

For longer stays in Portugal, international health insurance plans offer extended coverage, including outpatient care and chronic condition management, providing better protection than standard short-term policies. 

What happens if I lose my passport in Portugal?

If you lose your passport in Portugal, report it to the local police and your embassy or consulate immediately. Many travel insurance plans cover replacement costs and may assist with rebooking or travel delays related to the loss. Keep copies of your documents to speed up the process.

What should I do if I get sick in Portugal and need to make a claim?

If you get sick in Portugal, contact your insurer’s emergency assistance line, which is available 24/7, first. Seek medical care, keep all receipts, medical reports, and prescriptions, and submit your claim with supporting documents as soon as possible.