If you are curious to know how much travel insurance for Portugal costs, and also want to know the best plans to buy, you are on the right page. Read all about it below ;)
You may already know that travel insurance for Portugal is one of the entry requirements for visitors to the country. However, having this knowledge is just the beginning of planning a tour of Portuguese territory, as there are minimum requirements to be met when contracting the plan. Got confused? Wondering how much travel insurance for Portugal costs? Calm down, here you discover everything!
We did a thorough search on the largest online insurance comparator to explain to our readers all about insurance plans for Portugal. We even compare pricing details, more comprehensive coverage, which plan is best suited for the activities to be done at the destination, and more.
If you are wondering how to hire, how much does travel insurance for Portugal cost, or even what are the requirements to meet when buying the plan, you will have your doubts answered here. Keep reading this guide to discover these and other details about Portugal travel insurance.
In this post you will read
- How much does travel insurance for Portugal cost?
- Is it necessary to have travel insurance to go to Portugal?
- What is the value of travel insurance for Portugal in 2022?
- Minimum amount for travel insurance Portugal
- What are the cheapest insurance plans for Portugal?
- Which travel insurance for Portugal is good value for money?
- What are the most complete travel insurance plans in Portugal?
- The best travel insurance for Portugal
- Travel insurance plans for every type of traveler
- Does PB4 replace travel insurance in Portugal?
- Frequently Asked Questions
How much does travel insurance for Portugal cost?
Buying travel insurance for Portugal is super cheap. With about R$ 12 per day, you can already purchase a plan with the minimum conditions necessary to enter the country. But, in addition, it still guarantees protection against possible perrengues that can happen while you are traveling – something that is essential to get a smooth ride, isn't it?
However, it is worth mentioning that this minimum amount is also the most basic plan among those offered by online insurance comparator. Travel insurance prices vary depending on a number of factors, ranging from the age of the traveler to what the traveler intends to enjoy at the destination.
There are several factors that influence the final value of the plan to be hired, the most common being the travel time. Those who will stay in Portugal for fewer days end up paying a higher price for their daily insurance than travelers who will stay there for weeks. That is, the longer the trip, the cheaper the insurance is, considering the amount paid per day.
This variation also occurs for the elderly, who have slightly more expensive coverage, and for those who are going to play sports, for example, whose plans have different coverage.
See below the prices of some travel insurance plans – we have separated an economic tip, a great value for money and a more complete insurance:
| Product | DMH coverage | Price (15-day trips) |
| ITA 30 Smart Europa | € 30 thousand | R$ 170,33 |
| Affinity 60 Europe Promotional | U.S. $ one thousand 60 | R$ 171,76 |
| Travel Assist 150 World (except USA) +Covid-19 | U.S. $ one thousand 150 | R$ 369,88 |
Is it necessary to have travel insurance to go to Portugal?
Yes, Brazilians going to Portugal need to present an active travel insurance policy to enter the country. This requirement happens because the destination is one of the members of the Schengen Area, an agreement signed between European nations to facilitate transit across borders on the continent.
The requirement of member countries of the Treaty is that all visitors are insured with a plan that offers, at least, an amount of € 30 thousand available for medical and hospital expenses. This obligation provides security for the traveler himself, who is thus guaranteed assistance in the event of an emergency abroad.
In addition to this minimum amount for medical expenses, there are other coverages available to hire, ideal for those who want to travel even more cautiously. The plans offered on online insurance comparator, for example, they have dental care, pharmaceutical reimbursement, assistance in cases of lost luggage or canceled flights, among other advantages.
It is worth checking out the options available to hire on the dates of your trip, and hiring a very complete insurance that meets all your needs.
What is the value of travel insurance for Portugal in 2022?
Currently, it is possible to hire a good travel insurance plan for Portugal for only R$12 per day.
These insurance prices, however, are constantly changing – especially with regard to the duration of the trip, with cheaper daily values for those who will stay in the country for longer.
In addition, another point is the price fluctuations practiced by the companies themselves. Therefore, it is important to always check the conditions of the insurers of the online insurance comparator, in addition to checking the availability of travel insurance discount coupons before making the purchase.
There are always promotions in the sale of insurance online – and who knows, you may not be lucky and get a good offer to close the purchase of the plan for your trip. Keep an eye! ?
Minimum amount for travel insurance Portugal
The minimum amount you must purchase for travel insurance for Portugal is €30 for medical and hospital expenses (also called DMH). This amount can be set either in euros or in another currency, as long as it is equivalent to what is required in the European currency.
Remembering that the plans that only offer €30 for DMH are the most basic. To travel with greater safety, both in terms of insurance benefits and financial well-being in the event of any misfortune at the destination, it is always advisable to opt for more complete insurance, with at least €60 of medical coverage.
However, it all depends on your profile and what you intend to live in Portugal, of course. If the trip is smooth, just to walk around the center of the most touristy cities, the most basic option of travel insurance should be enough. If you have a more adventurous spirit and intend to take a chance on different attractions, it pays to bet on hiring something more complete at once.
Oh, and if you have any questions about which insurance to buy, the insurance comparator team is always happy to help.
What are the cheapest insurance plans for Portugal?
Good news for those looking for how much travel insurance for Portugal costs is that the plans are very cheap. With about R$ 12 a day you can already hire good insurance. It is also worth remembering that the more days you travel, the cheaper the daily value of the plan.
There are several basic options available in the online insurance comparator. These are simpler plans, which meet the minimum requirements for entry into the Schengen Area, but they already offer interesting coverage for possible medical emergencies, in addition to other benefits.
Check out below a comparison with some of the cheapest travel insurance for Portugal.
| Product | DMH coverage | Price (15-day trips) |
| ITA 30 Smart Europa | € 30 thousand | R$ 170,33 |
| Affinity 60 Europe Promotional | U.S. $ one thousand 60 | R$ 171,76 |
| Affinity 35 Europa | U.S. $ one thousand 35 | R$ 184,75 |
Which travel insurance for Portugal is good value for money?
Those who value a little more careful precaution will like to know better the travel insurance plans for Portugal that offer broader coverage. At the online insurance comparator, the offer is diverse, and there are cost-effective options that cover more than the minimum entry requirements for the Schengen Area.
A good example of this is the Affinity 60 Europa Promotional plan, a favorite among travelers going to Europe. It has more advantageous benefits than many others in the same price range, standing out precisely for its friendly price, super attractive for what is offered.
In addition, there are many other cost-effective options in the travel insurance comparator. See the comparison below for some good tips:
| Product | DMH coverage | Price (15-day trips) |
| Affinity 60 Europe Promotional | U.S. $ one thousand 60 | R$ 171,76 |
| Travel Assist 40 World (except USA) +Covid-19 | U.S. $ one thousand 40 | R$ 215,05 |
| Travel Assist 60 World (except USA) +Covid-19 | U.S. $ one thousand 60 | R$ 227,10 |
What are the most complete travel insurance plans in Portugal?
If you are on the cautious team, the most complete insurance will surely stand out in your eyes. They are more comprehensive options, with much greater coverage for medical expenses, in addition to offering a number of other benefits that are not always found in the simplest plans.
Travel insurance for Portugal with broader coverage has high values available for possible medical emergencies, and is indicated for elderly people, with pre-existing diseases (more likely to feel unwell during the trip), or even for those who find it easier to travel covered by a higher value, thus avoiding possible headaches if you have to deal with insurance.
If you fit any of these requirements, or any other, and you prefer insurance with broader coverage, below we indicate some of the most complete plans found on online insurance comparator.
| Product | DMH coverage | Price (15-day trips) |
| Travel Assist 150 World (except USA) +Covid-19 | U.S. $ one thousand 150 | R$ 369,88 |
| GTA 100 Full Europa | U.S. $ one thousand 100 | R$ 393,77 |
| Core 100 Europe Basic +Covid19 | U.S. $ one thousand 100 | R$ 511,98 |
The best travel insurance for Portugal
One of the best travel insurance for Portugal is Affinity 60 Europa Promotional, which is quite complete in terms of medical and hospital coverage, in addition to offering other advantages such as coverage for the practice of sports within the DMH value (medical and hospital expenses).
However, choosing the best travel insurance for Portugal depends on a few factors. Among them, your profile as a traveler and the budget available to hire the service are the most important.
For example, let's say you go to the country just to walk around and see the capital, Lisbon, up close. Apparently, your ride will be smooth, with few risk factors. If you, in this case, are a healthy person and without chronic health conditions, you can bet on a common plan, from the most basic options or a cost-effective insurance.
On the other hand, if your idea is to go to Portugal to venture into surfing, as in the giant waves of Nazaré, for example, going cautiously with more complete insurance is the best option. This is because not all travel insurance covers sports, and that is why it is so important to consider what you intend to do at the destination, and then define the ideal insurance plan.
Travel insurance plans for every type of traveler
As mentioned above, the ideal travel insurance depends on the characteristics and expectations of each traveler. Each person is unique, and that is why there is no unanimity when it comes to recommending a good plan.
The best way to guarantee the purchase of the most ideal option is to use the travel insurance comparator. In it, in addition to being able to compare up to four plans side by side, there is also a qualified team to assist travelers who are in doubt. And all of this is done online, which makes the whole process even easier.
With an even greater practicality in mind, here are some travel insurance tips for Portugal according to different common characteristics, which may suit you or correspond to one of your travel companions. See the indicated options to guide your search in the online insurance comparator:
- Travel insurance for pregnant women: Travel Assist 150 World (except USA) +Covid-19
- Travel insurance for seniors: Travel Assist 60 World (except USA) +Covid-19
- student travel insurance: Affinity 150 Student World (except USA)
- Long term travel insurance: Intermac 60 Long Stay Inter (except USA)
- Travel insurance for amateur sports practitioners: Affinity 60 Europa Promotional
- Travel insurance for professional athletes: Core 100 Europe Basic +Covid19
Does PB4 replace travel insurance in Portugal?
PB4 even meets the requirements of the Schengen Treaty for entry into Portugal, but it does not completely replace travel insurance in Portugal. This is because the document is limited to guaranteeing medical care for Brazilians in the Portuguese public network, not including other extremely important services that the insurance offers, such as body transfer, for example.
Of course, no one likes to think about this possibility, but you can't predict when a sudden evil will happen. Imagine traveling and ending up dying at the destination, making the return of the body quite expensive and bureaucratic for the family. This is a more drastic example of how insurance helps travelers, but it is also useful in other matters, such as flight and luggage problems, among other situations.
PB4 is a real hand on the wheel for those who want to spend more time in the Portuguese lands, especially for those who go with the intention of living there. The certificate serves so that Brazilians can be treated in the public health network in the same way as the Portuguese themselves. It is a valid service, but it does not exclude the importance of also hiring good insurance.
For that, check the travel insurance offers online and buy your ideal insurance by comparing the coverages and prices of the best plans.
Frequently Asked Questions
What is the average price of travel insurance for Portugal?The value of travel insurance for Portugal varies according to some requirements, but it is possible to purchase plans from R$ 12 per day at online travel insurance comparator.
What is the minimum amount required for travel insurance for Portugal?All travel insurance for Portugal must have a minimum coverage of €30 for medical and hospital expenses. Check out more about the price of insurance for Portugal.
Do you need travel insurance for Portugal?Yes, you will need travel insurance to enter Portugal, precisely because the country is a member of the Schengen Treaty. See travel insurance prices for Portugal.
Does PB4 replace travel insurance for Portugal?To enter the country, yes, PB4 is equivalent to travel insurance for the Portuguese authorities. However, it alone is not recommended as it is limited to medical care. Find out how much travel insurance for Portugal costs.
Does travel insurance for Portugal need to cover covid?Portugal's requirements for entry into the country include having travel insurance with €30 for medical and hospital expenses, and proof of vaccination against covid-19. Learn more about travel insurance for Portugal.
What is the best travel insurance for Portugal?This question is quite relative, as it depends on the traveler's personal characteristics, as well as the intended activities at the destination and the amount that one intends to spend on insurance. Check how much travel insurance for Portugal costs.
What is the difference between PB4 and travel insurance?Travel insurance for Portugal is complete, insuring the traveler in medical emergencies and other issues, ranging from lost suitcases to body transfers. PB4, on the other hand, is limited to health care in the Portuguese public network.
What are the Europe travel insurance requirements?The European countries that are part of the Schengen agreement require travel insurance with at least €30 for medical and hospital expenses for all travelers without European nationality. Find out more about Europe travel insurance.
Do you have European citizenship need travel insurance for Portugal?Those who have European citizenship are exempt from the travel insurance requirement for Portugal. However, it is not recommended to travel without insurance, as it has other important benefits, ranging from legal assistance to body transfer. Find out how much travel insurance for Portugal costs.
