What is the best Schengen travel insurance to visit Portugal?

While the cautious answer to this question is of course everyone, the fact is that travel insurance is not mandatory for all travellers wishing to visit Portugal.

It all comes down to whether or not you need a visa to enter this European country.

As its fellow members of the Schengen Area, Portugal - the most southwestern point in Europe and the most western of the Schengen countries- requires that many of its visitors from outside the Schengen zone hold a valid Schengen visa to be allowed in.

In compliance with the EU Visa Code, having proper travel insurance is one of the primary requirements for being granted a Schengen visa. Not only that, but your plan must meet a certain set of criteria too (but more on that below).

Without valid travel insurance, your visa application will be denied.

► Travel insurance is thus mandatory for travellers to Portugal who need a Schengen visa.

Now, whether or not you’ll need a Portuguese Schengen visa is another question.

Let’s start by getting the easiest one out of the way:

Who doesn’t need a Schengen visa to come to Portugal (for stays of less than 90 days)?

In general, the citizens of countries that don’t need a Schengen visa are those of either the Schengen area and/or non-Schengen but European Union countries.

However, there are also roughly 60 non-EU countries and territories that have signed visa exemption agreements with the EU — including Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K., and the U.S. If your country happens to feature on that list, you should be able to enter the Schengen area and Portugal visa-free as well.

Who is required to apply for a Schengen visa for Portugal?

On the other hand, if your country has yet to sign a visa waiver agreement with the EU (such as any nation in Africa and most of the Middle East, China, India, Russia, and nearly 100 more) — then you will need a Schengen visa to come to Portugal (and, thereby, the proper travel insurance).

PRO-TIP: The European Commission provides full lists of countries with and without visa waiver agreements with the EU. But it’s also best to double-check with the other proper channels too — such as Portugal’s ePortal website and the official website(s) of your home country — before booking that flight.

Meanwhile, AXA can also help you figure out whether you need a Schengen visa (in general, and specifically for Portugal — below), as well as understand which type of Schengen visa best suits your Portuguese travel needs.

How do I get a Schengen visa for Portugal?

We’re glad you asked. While Schengen travel insurance is our main speciality — AXA will also guide you through the process of applying for:

• A Schengen visa for Portugal
• A Schengen visa for Portugal from India
• A Schengen visa for Portugal from Bangladesh

PRO TIP: Once you’ve applied — we can also help you:

• Track your Schengen visa application online
• Better understand your Schengen visa validity

And tell you about your Schengen visa extension options too. So click around!

Bonus Info

If you are in the mood for it, you can also find out more on the European Union’s new travel authorization systems, the EES - the Entry and Exit System and the ETIAS – the European Travel Information and Authorization System.

What are the travel insurance requirements for a Schengen visa for Portugal?

Important! To be considered as valid and thus be accepted with your visa application for Portugal, Schengen travel insurance must meet all the requirements determined by Article 15 of the European Union Visa Code. Otherwise, your visa application will systematically be denied. Your Schengen travel insurance for Portugal must:

• Guarantee a €30,000 minimum coverage for medical expenses.


• Cover emergency hospitalisation and medical care due to health issues occurring during your stay.


• Bear the costs of repatriation to your home country in case of serious health issues or even death.


• Be certified by all the countries of the Schengen area (not only Portugal).


• Be valid in all Schengen countries (not only Portugal).


• Remain valid during the entire duration of your stay.


• Be purchased from an insurance company validated by the consular authorities of all Schengen countries.

Good news! AXA Schengen travel insurance meets all these criteria and much more!

Is travel insurance mandatory if you don’t need a Schengen visa for Portugal?

If you don’t need a Portuguese Schengen Visa, then — technically —no, travel insurance is not a requirement to enter the country.

That said, travelling abroad is almost always guaranteed to come with a few surprises. When it comes to Portugal, of course, these surprises are fortunately usually good (seeing as it’s one of Europe’s safest countries). Still, your health and safety — as well as the health and safety of your loved ones — should always be a top priority no matter where you’re going.

Because, first off, navigating a foreign healthcare system can be very tricky. Medical costs abroad can get pretty pricey too — especially if you have a pre-existing condition, are pregnant, or have specific needs such as prescription drugs.

Plus, with all the great things the country has to offer, it’s no secret — at least in Europe — that Portuguese bureaucracy and wait times can be a real drag to those who are not accustomed to them.

So whether you’re surfing those big waves, just chilling on the beach, or simply sampling some local port wine and pastel de natas from the comfort of your Airbnb — you can never be too prepared. And the first step is having a solid travel insurance plan that guarantees you’re in good hands.

Not only does the right insurance save you time, money, and stress when dealing with unforeseen health issues. But it also provides you and your family with that little bit of extra peace of mind. And perhaps most importantly, it ensures that you have immediate support — 24/7, seven days a week — in case something does go wrong.

Why choose AXA Schengen Travel Insurance for your trip to Portugal?

And that’s where we come in. Because it just so happens that - just like Portugal with cork- top-quality, affordable Schengen travel insurance is what we do best. Be that for Portugal or beyond. Our 65 years (and counting) of experience and expertise have allowed us to establish a longstanding international reputation of providing fast and efficient assistance thanks, among other things, to our thorough knowledge and understanding of local cultures. Here are a few more reasons why AXA’s got your back:

• AXA Schengen visa insurance complies with all E.U requirements in terms of visa obligations.


• It is certified and accepted by the consulates and embassies of all the countries part of the Schengen area.


• It is thus automatically accepted with Schengen visa applications.


• It guarantees a coverage of minimum €30,000 and up to €2 million depending on the chosen plan.


• It covers medical expenses, hospitalisation, sanitary repatriation including in the event of death.


• It includes both civil liability and personal liability coverage.


• It includes death and disability insurance.


• Its coverage scope includes all the Schengen states, European microstates, other non-Schengen but European countries as well as the United Kingdom (depending on the chosen option).


• It offers duration flexibility - from just one day, up to six months, or up to a full year.


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Other advantages of choosing AXA travel insurance:

• AXA is internationally renowned for its expertise in Schengen travel insurance.


• It offers 24/7 assistance thanks to its devoted teams of experienced professionals.


• Online subscription is quick and easy.


• Your Schengen travel insurance certificate is available instantaneously. You can thus immediately print and enclose the certificate with your application file, saving you precious time.


• There is no age restriction.


• 0 deductible applies to medical expenses.


• No medical check-up is required.


• It is refundable if your visa application is denied.


• It offers many additional advantages:
  • delivery of prescriptions, glasses and prosthesis,
  • daily hospitalization allowance,
  • coverage of search and rescue costs,
  • coverage of the early repatriation of the injured’s travel companions and their luggage. This also applies to the policy holder if they must interrupt their stay due to an emergency (such as serious illness in the family, etc.)


• It includes baggage insurance depending on the chosen plan.


• Free remote medical consultations are available with our unique “Doctor, please!” feature in English, French, and several other languages.


• AXA offers tailor-made insurance with multiple upgrade options designed to satisfy all needs and budgets.

Which AXA plan best suits your needs for your Portuguese trip?

With AXA, you’re not only one huge step closer to getting your Portuguese Schengen Visa (if you need one), you and your loved ones are also that much more certain that your trip to Fernando Pessoa’s home country is as safe, sunny, and worry-free as can be. Business or pleasure? Solo or with travel companions? Feeling adventurous or in the mood for some quiet time discovering Portugal’s rich culture? Whatever your reasons and activities, AXA has a comprehensive, tailor-made plan to suit your travel needs and budget:

• AXA Schengen Basic offers standard and efficient coverage to obtain your Schengen visa. This travel insurance option meets all the mandatory requirements, covers you in all the countries of the Schengen Area as well as in the 4 European microstates (Andorra, Vatican City, Monaco and San Marino).


• AXA Schengen Essential provides complete and reliable coverage at an affordable price. Another perfect choice to obtain your Schengen visa. Not only does it meet all visa requirements and is valid in all the Schengen countries + the European microstates, but it also offers coverage in all the EU countries as well as the UK.


• AXA Schengen Premium is THE all-inclusive plan allowing you to obtain your Schengen visa and to travel stress-free all over Europe. Its coverage is valid in all Schengen countries + the EU countries + the 4 microstates + the UK.


• AXA Schengen Annual is the ideal yearly travel insurance plan for frequent travellers to Europe as well as multiple-entry Schengen visa holders. One contract for a full year of travel coverage across Europe! It is valid in all Schengen countries + the EU countries + the 4 microstates + the UK

To make the perfect choice to cover your travel needs, compare our different coverage and benefits!

Get your free online quote now and start packing!

What should you do if you are injured or ill while in Portugal?

And when you finally do make it to the birthplace of — among many other greats — Ronaldo (and, in a way, Harry Potter), remember that AXA is always in your corner. Be it to help with an unforeseen medical emergency, or to simply address any other medical concerns that you may have. So if something goes wrong (or even feels off), simply contact AXA’s call centre at the number featured on your insurance policy — and our medical professionals will answer your questions, provide guidance, help you find the nearest medical facility, and more.

What to Provide When Contacting AXA's Call Centre

Heads-up — these bits are important, so maybe jot them down and keep them on hand (along with the aforementioned call centre number). When calling AXA, you’ll be asked to provide:

• Your policy number (which begins with "SCH");
• The address and telephone number at which you can be reached (as well as the details of anyone that can be contacted locally);
• Your dossier number (provided during your initial call).

PRO-TIPS:

• Always keep all bills/invoices related to medical costs and enclose them with your file.
• Keep your phone charged too.
• And stay calma (as the Portuguese say) — AXA’s got your back.

Emergency Numbers in Portugal In case you’re bypassing AXA, the number for general emergency services in Portugal (as well as the rest of Europe) is 112. Simply call 112 from any phone and the operator will then divert you to the relevant emergency service — i.e., the police (polícia), the fire brigade (bombeiros), and/or ambulance services (ambulância).

Bonus Info:

You can also learn more about Portugal’s various emergency services numbers via the ePortal site, as well as the Portuguese Government’s Official Civil Protection website.

Useful tips and safety recommendations for your trip to Portugal

Here are a few more good things to know as you prepare for your Portuguese adventure:

• Safety
  Portugal is, again, widely considered one of the safest European destinations for travellers. Instances of violent crime are low. However, petty crimes like pickpocketing and bag snatching can occur — particularly in crowded tourist areas in Lisbon, Porto, and the Algarve. Be aware of potential credit card and ATM fraud too. Using licensed taxis and official ride-hailing services is also recommended to avoid being overcharged.

  PRO-TIP: And beware of online housing scams too — as these have been on the rise in recent years due to the increasing demand and lack of supply, esp. in Lisbon.

  Eating out or purchasing groceries from supermarkets is generally safe. And tap water in most urban areas is potable and safe for drinking (although many visitors prefer bottled water). The heat and the waves, however, can get pretty crazy.

  In short — stay diligent, use common sense, and have your phone charged and on hand.




• Public Transportation
  Portugal's public transportation system is robust and well-integrated, featuring a comprehensive network of buses, trains, and metro services — particularly in major cities like Lisbon, Porto, and Coimbra. The company Comboios de Portugal (CP) operates national train services — including high-speed connections and regional trains between all cities and most towns. Urban transportation is well-supported with extensive metro systems — such as the Lisbon Metro and Porto Metro — plus numerous local bus lines and ferries.

  HEADS-UP: Train and bus operators often strike every few months, disrupting services. Double-check online or with locals for updates.

  Taxis, Uber, Bolt, and countless bike/scooter/vehicle rentals are widely available throughout the country.




• Driving
  Portugal's road infrastructure is generally good and well-maintained — especially in major cities. Use caution if you're unfamiliar with local driving habits.

  An international driving permit (IDP) or an official translation of your license is usually enough. For precise rules, consult the Portuguese Institute for Mobility and Transport.

  You can also read our article on which driving licenses are accepted in Europe.

  HEADS-UP: Traffic congestion can be significant in Lisbon and Porto. Navigating e-scooters/bikes can be tricky. Stay alert and prioritize safety.




• Weather
  Portugal is warm overall, but climate varies by region. Coastal cities like Lisbon and Porto have Mediterranean climates — warm summers, mild wet winters. Inland areas are hotter in summer and colder in winter. The north is cooler and wetter; the south is very hot in summer.

  Madeira and the Azores have subtropical climates — mild year-round.

  Bring lightweight clothing for summer, warm layers for winter. The sun can be intense. Ocean water stays cold year-round.

  PRO-TIP: For detailed climate info, see the Portuguese Meteorological Institute.




• Opening Hours
  Opening hours vary by region. Shops typically operate from 9–10 AM to 1 PM, reopen from 3–4 PM to 7–8 PM. In cities/tourist zones, hours may extend from 9 AM to 8 PM without breaks.

  Malls and large stores open from 10 AM to 10 PM. Many stores close on Sundays except in tourist hotspots.

  PRO-TIP: Sites like Visit Portugal and Atlas Lisboa offer great local tips.




• Restaurants
  Portuguese restaurants and tascas offer incredible food: bacalhau, pastéis de nata, caldo verde, snails, seafood, and countless desserts. Wine and coffee culture is exceptional.

  Lunch is usually 12:30–3 PM; dinner 7:30–10 PM. Rural areas may close between meals; tourist zones stay open longer.

   

  Boa viagem!

Related Articles

You might find these articles interesting:

• How to choose the best Schengen travel insurance
• Understanding Europe from A to Z
• What are the most common scams in Europe for tourists?
• What are the easiest countries to obtain a Schengen visa from?

FAQ

Is healthcare in Portugal free for EU citizens?

Not entirely. That is, while EU citizens can access basic medical services through the public healthcare system under the European Health Insurance Card (EHIC), there may be some out-of-pocket expenses. The EHIC does not cover private healthcare, repatriation costs, or other problems you may encounter while travelling (such as damage caused to others, issues with baggage, etc.). Only private travel insurance will do that. For more details, visit the Portuguese Ministry of Health and the European Commission's health website.

Can I travel to the territories of the Azores, Madeira, and Cape Verde Islands on a Schengen Visa?

Yes. Although not in continental Europe, the Azores, Madeira, and Cape Verde Islands are incorporated into the Schengen Area (and AXA’s travel insurance will also cover you there).

Can I work or study in Portugal on a tourist visa?

No. A tourist (aka “short-stay”, aka Type C) visa allows you to visit the Schengen Area for vacation, to see family, or for a short business trip. However, it cannot be converted into a work or study permit once you’re there. But AXA can gladly tell you a bit more about that as well.

How much does travel insurance for Portugal cost?

While being protected by travel insurance does of course entail extra expenses to your travel budget, going without it can cost you much more and for way longer. AXA Schengen offers different plans and possible additional options suitable for all budgets while still covering all your possible needs and complying with consular requirements for your visa! Find more on how you can protect you and your loved ones while staying on a budget.