Portugal insurance:
tips and advice for
worry-free travel

Assurance Portugal
Assurance Portugal

A stay in Portugal is synonymous with cultural, gastronomic and seaside discoveries. To make the most of these moments, we recommend that you take out travel insurance tailored to your needs. This guide explains how to choose the right travel insurance for your trip.

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Understanding travel insurance cover in Portugal

Before looking at the different travel insurance offers in Portugal, it’s important to determine what type of coverage you’ll need for your stay. The main elements to take into account are :

  • The need for medical cover;
  • The need for repatriation assistance;
  • Baggage and personal effects protection;
  • Trip cancellation and interruption coverage;
  • Civil liability abroad.

Once these factors have been taken into account, it’s time to compare the various travel insurance options on the market.

Standard cover included in insurance contracts


In their basic formulas, insurers generally include :

  1. coverage of medical expenses incurred abroad in the event of illness or accident;
  2. 24-hour assistance with medical repatriation if necessary;
  3. third-party liability abroad.

However, it is important to check the ceilings and deductibles applied to these coverages. It may be wise to opt for more extensive, personalized coverage, depending on your personal situation or the nature of your stay.


Additional options for tailor-made protection


To perfect your travel insurance in Portugal, you can take out additional options to suit your specific needs. These options include :

  • Trip cancellation/interruption cover: this enables you to recover all or part of the sums you have spent on organizing your trip in the event of a justified unforeseen event.
  • Luggage and personal effects cover: protects your belongings against theft, loss or accidental destruction during your stay.
  • Sports and leisure cover: this covers sports and leisure activities during your stay (e.g. scuba diving, hiking, etc.), as well as the equipment used.

Take the time to analyze all the coverages on offer, so you can fine-tune your travel insurance contract.

Compare quotes and choose your travel insurance in Portugal

To select the travel insurance best suited to your profile and requirements, you need to compare offers. Here are a few points to consider:

  • Value for money: check the premium and level of cover to assess whether it meets your expectations;
  • Coverage exclusions: be aware of any exclusions that may limit benefits in the event of a claim;
  • General conditions of contract: read this information carefully to avoid unpleasant surprises should the need arise;
  • Quality of assistance: find out about the services offered by the insurer (call number, online assistance platform, etc.);
  • Waiting period: some contracts allow a waiting period between taking out insurance and its effective date.

Don’t hesitate to use online insurance comparators to make this process easier and more efficient. Some sites even let you get a quote in just a few clicks. Still others provide customer reviews to guide the more indecisive.

Buying travel insurance in Portugal:
do it at the right time

To ensure optimum coverage throughout your stay, we recommend that you take out travel insurance in Portugal as soon as you book your trip. In particular, this allows you to:

  • Immediate coverage in the event of cancellation before departure;
  • Benefit from coverage from the very first day of your destination;
  • Avoid any waiting periods stipulated by certain contracts.

Make sure you also respect the maximum duration of the stay covered by the insurance, and check whether it is renewable if necessary.

To sum up: choose your travel insurance in Portugal with peace of mind

To travel with complete peace of mind on your next trip to Portugal, don’t hesitate to take the time you need to choose the right insurance policy. Compare offers, adjust cover to your specific needs and check the general conditions to avoid unpleasant surprises. Protected in this way, all that’s left for you to do is make the most of your trip and discover the countless riches this country has to offer.

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