Travel Insurance for Portugal

Get covered no matter where you visit in Portugal. From Albufeira to the Algarve, travel with confidence with AllClear.

What is Portugal Travel Insurance, and why do you need it?

History, beaches and delicious food all in one place? With so much to offer, it’s clear why Portugal is a tourist hot spot.

But even the most popular holiday destinations can present unwelcome surprises. You could lose your wallet on the beach or fall while mountain biking. And what if you have an unexpected flare-up of a health condition? Away from home, costs for unexpected treatments can get expensive. With Travel Insurance from AllClear, you’re covered. We’ll even offer protection if you have a pre-existing medical condition. Plus, we cover lost luggage, cancelled holidays¹, and travel delays.

Why do you need Travel Insurance when visiting Portugal?

Portugal is the 6th most popular holiday spot for Brits. It welcomes over 4 million of us a year.
But its summer heat can be intense. You might want to consider insurance that covers trip disruptions due to weather. 2023 saw disruption from wildfires across the Algarve.
Medical costs in Portugal can be high, especially for emergency treatments. You can be covered for hefty costs by making sure your policy includes medical emergency expenses cover
Adventure can come with a price. Portugal offers numerous outdoor pursuits, like surfing in Nazaré and hiking in the Azores. But accidents can happen, and surfers can encounter dangerous waves. It is important to have comprehensive cover for any activities you might want to do.
Trips can be delayed by airport worker strikes or air traffic delays.

Getting the right Travel Insurance policy is the key to travelling with peace of mind. At AllClear, we can cover: All medical conditions. All ages. All destinations. 98% of our customers would recommend us to family and friends, so you’re in good hands².

What does AllClear’s Portugal Travel Insurance cover?

Our Portugal Travel Insurance covers you for unexpected medical costs, lost luggage and trip cancellations¹. Travel with peace of mind with AllClear.

What’s covered?

Medical cover. AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
Cancellation and curtailment¹. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.

What’s not covered?

Deciding not to travel. We do not provide any cover if you can travel but choose not to.
Other regions. Your Portugal Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.

For full details, please refer to your policy wording.

We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.

SWIPE TO COMPARE POLICIES

	Gold	Gold Plus	Platinum
Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Unlimited
Cancellation* and Curtailment	Up to £2k	Up to £15k	Up to £25k
Travel Delay	Up to £300	Up to £1,500	Up to £1,500
Personal Belongings	Up to £2k	Up to £2.5k	Up to £5k
Personal liability	Up to £2m	Up to £2m	Up to £2m
Legal protection cover	Up to £50k	Up to £50k	Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Portugal with pre-existing medical conditions

We’re Medical Travel Insurance Specialists. Over the years we’ve helped more than 3.5 million customers to travel. More than 62% of our customers have more than one pre-existing condition³. If you’ve got a pre-existing condition, you’re in good hands. We’ll protect you should you face any unexpected costs due to your condition while you’re on holiday.

We can cover:

Mental Health Disorders. Including bipolar disorder, depression, and schizophrenia.
Surgical and Transplant Conditions. like liver transplant, heart transplant, hip replacement or colostomy.
Cardiovascular Conditions. including Heart Attack, High Blood Pressure, Heart Failure, and Ischemic Heart Disease.
Respiratory Conditions. For example, Asthma, COPD, Bronchiectasis, and Cystic Fibrosis.
Eye Conditions. Cataracts, glaucoma, and other eye conditions.
Musculoskeletal Conditions. Osteoarthritis, Rheumatoid Arthritis, Fibromyalgia, Osteoporosis and more.
Endocrine Disorders. Like Type 1 Diabetes, Type 2 Diabetes, Underactive Thyroid, and Liver Cirrhosis.
Digestive System Disorders. Including Coeliac Disease, Crohn’s Disease, IBS, and Ulcerative Colitis.

Before you get a quote, you’ll need to do a medical screening. During this process, we’ll ask you a few questions to determine the cover you need. Some of the questions we might ask include:

When were you diagnosed?
Do you take any medications?
When was the last time you were admitted to hospital for treatment?

Once you’ve completed your medical screening, you can get a quote for Travel Insurance to Portugal.

Find the best Portugal Travel Insurance for your trip

We’ll shape your Travel Insurance for Portugal to suit your needs. We offer a range of options depending on a few different factors.

Is Portugal your only holiday this year? Or will you be going away more than once?

Single Trip Travel Insurance: Get cover for up to 365 days of consecutive travel.
Annual Multi-trip Travel Insurance: This policy covers as many trips abroad as you like, each lasting 45-55 days.

Where else are you planning on visiting?

European Travel Insurance: Explore across Portugal and Europe worry-free with our continent cover.
Worldwide Travel Insurance: Is Portugal part of a global exploration? Stay stress-free and covered across the globe, from Lisbon to Los Angeles.

Taking valuables? Enjoying activities? We’ll keep you protected.

Cruise Cover: Heading to Portugal by ship? Our Cruise cover includes missed departure, cabin confinement, and unused excursion reimbursement.
Gadget Cover: Comprehensive protection for up to eight gadgets against loss, theft, or damage.
Golf Cover: Portugal is a golfer’s dream. We’ll cover your equipment and unused Greens Fees, up to £750.

More than two of you heading to Portugal? Get a single policy that covers everyone.

Family Travel Insurance: Ensure you and your children are covered with a single policy and quote.
Group Travel Insurance: Cover up to eight adults with one policy.

How our Travel Insurance for Portugal works: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote. Here’s how it works.

1. Get a quote online or by phone

Ready to start the process? The first step is to provide your personal details. We’ll also ask for information about your holiday plans. You can complete this over the phone with one of our team members or online.

2. Complete our simple medical screening process

You must declare any medical conditions you have. You should also mention any medications you and your travel companions are taking. This will allow us to provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Letitia Smith

“Unfortunately, accidents and emergencies can happen when travelling. Even in a tourist paradise like Portugal. Whether you’re on the beach or exploring a city, you want to enjoy your trip with peace of mind. That’s why AllClear’s Portugal Travel Insurance covers for a range of mishaps. From lost bags to medical repatriation, you won’t be left worrying about surprise costs.”

Letitia Smith – Travel Insurance expert

What our customers say

Cover with helpful phone call.

“I needed cover for a brief single visit to Portugal, and I am 70 and have pre-existing heart failure. I telephoned. It was answered pretty quickly, Ryan was very well-informed and helpful. My quote was reasonable, and cover was arranged efficiently. Very satisfied.”

– John A
– Date of experience: April 19, 2024

Our customer service is award-winning⁴. Here’s what some of our customers have to say about us:

What our Customers Say

Frequently asked questions on Portugal Travel Insurance

Do you need Travel Insurance for Portugal?

Travel Insurance is not legally required for UK citizens visiting Portugal. But, it is highly recommended by both the NHS and the UK Government. While the GHIC will cover some basic medical costs, Travel Insurance will also cover:

Medical repatriation
Trip cancellation or interruption
Lost or stolen luggage
Adventure sports coverage (if applicable)

Do UK citizens get free healthcare in Portugal?

UK citizens can access healthcare in Portugal on the same basis as Portuguese citizens. How you access healthcare will depend on how long you’re in Portugal.

UK citizens who are legal residents in Portugal can register for the national health service. They will receive a health number (número de utente de saúde). This is used to access state healthcare services.
You can also use your GHIC to access necessary healthcare for short-term stays (up to 90 days).

How much does Travel Insurance for Portugal cost?

Several factors determine the cost of a Portugal Travel Insurance policy. This includes your age, medical history, travel destination, and trip duration. We’ll shape your policy to suit your specific needs.

Does the GHIC cover Portugal?

Yes, the GHIC (Global Health Insurance Card) covers Portugal for UK travellers. However, there are some things to consider:

The GHIC entitles you to basic state healthcare in Portugal
It also covers emergency treatment. This includes treatments for chronic or pre-existing medical conditions. Plus, routine medical or maternity care, and services like oxygen and kidney dialysis.
However, state healthcare in Portugal is not completely free. You may still have to pay standard user fees called “taxas moderadoras” for certain services. For example:
- €15 for an emergency room visit
- €5 for a GP appointment

It’s always worth having Travel Insurance alongside your GHIC. Remember that the card does not cover all medical costs or services like being flown back to the UK.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.

Which activities do you have planned?

Remember to add extra cover to your policy for a worry-free trip. Whether you’re planning a skiing holiday or setting sail on a cruise.

Travel insurance for Portugal