What travel insurance do I need when visiting Portugal?

Travel insurance for Portugal: an unmissable European destination

With a wide variety of attractions including perfect beaches, lush golf courses, and its historic coastal cities like the capital Lisbon, Portugal will undoubtedly be high on any regular traveler’s list of desired destinations. If you want to visit Portugal but you live in a country outside the Schengen Area without a visa-free travel arrangement, you will require a specific visa. With your Schengen Visa you will be able to travel not just to Portugal, but all 26 countries that make up the area. You’ll need to take out a travel insurance policy for Portugal as it is a requirement for the Schengen Visa application.

Which countries can I visit with Schengen travel insurance ?

Do you cover emergency medical costs related to Coronavirus?

We will cover your medical costs related to Coronavirus provided you haven't travelled against World Health Organisation or any other government body’s advice (Ministry of Foreign affairs or Department of State in the U.S.) in your home country or the country you are travelling to) or medical advice.

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

Escape to Portugal with your Schengen Visa

If you need a Schengen Visa to visit Portugal. You can find out which documents and evidence will be requested, by clicking here: Portuguese embassies site mne.gov.pt/mne/en/infocidadao/pestrangeiro/consulados/

A valid passport, and other documents verifying the reasons for your stay, its length and how you will support yourself while in the country will be required, as well as evidence of travel insurance for Portugal.

Your travel insurance for Portugal can include numerous coverage options, but for travel to Portugal, it is compulsory to have some cover to receive a Schengen Visa. It must at least cover repatriation in the event of serious accident or death and potential medical costs, up to a minimum of €30,000.

To travel with complete peace of mind, you can also choose a travel insurance plan for Portugal that features additional coverage options. Depending on your budget and requirements, you will then be able to enjoy certain guarantees in the event of hospitalization: assistance for solo travelers, an extension of your stay, daily compensation, and much more.

How to get to Portugal

By plane: almost all international flights land in Lisbon, although some may arrive in Porto or Faro. The Portuguese airline TAP provides both international and domestic flights. When coming from North America, you will have a connection, often in London or Paris.

By bus: you will find buses leaving for Portugal from many European cities. Notably, the company Eurolines offers two journeys to Portugal every week, whether your destination is Lisbon, Porto, or Faro.

By train: you won’t have any problem traveling to Lisbon by train from European capital cities. Depending on the country you’re leaving, you may have to change in France or Spain, for example. There are a number of passes and packages that will allow you to benefit from discounted fares.

By boat: car ferries serve the country from Spain. They allow you to visit Portugal with your rental vehicle.

By car: Portugal isn't a large country, which makes getting around by car easy. It is less easy to drive to from other European nations, as you will need to go through Spain. Traveling by car may be trickier in rural areas with less well-kept roads.

Advice on health and vaccinations

While there are no compulsory vaccinations, it is still recommended that you be vaccinated against diphtheria, tetanus, and polio, and also possibly tick-borne encephalitis if you will be visiting rural areas in spring or summer. Consult your doctor if you have any doubts.


The weather differs greatly in the north and south of Portugal. You will also witness completely different conditions depending on whether you are on the coast or inland. In summer the coasts are better for enjoying the ocean spray, as well as the plentiful beaches and extremely pleasant sun.

Autumn and spring are the best seasons to visit Portugal; nevertheless, you will no doubt appreciate the country’s sublime landscapes at any time of the year.

Discover Portugal

Whatever the season, you will love exploring Portugal, from Lisbon to the south of the country via the coasts, there’s no risk of boredom.

-Lisbon: the Portuguese capital is a living museum. Setting off from the Praça do Comércio - or Commerce Square - head to Belém Tower before admiring the Vasco da Gama Bridge from the Castle de São Jorge. Don’t miss a ride on the tram or trying the various Portuguese specialties in one of the traditional restaurants, such as the renowned pastéis de nata (custard tarts).

-Porto: this picturesque Portuguese city is bursting with architectural splendor. Head to the cathedral, the Church of São Francisco, and the Clerigos Church and Tower, the tallest church in Portugal.

-History lovers should head to the Algarve with its myriad monuments to the past, from various Roman sites to the Castle of Alcoutim via the Fortress of Sagres.

-Lose yourself in the Douro Valley: this wine-making region invites you to get away from it all and set off in search of traditional Portugal in its little villages.

-In Vitoria, the extraordinary Batalha Monastery is a must-see. Built to commemorate the 1385 Battle of Aljubarrota, most of the monument was completed by 1434 in flamboyant Gothic style, but there are also 15th and 16th-century additions.

-If what you want most is to be close to the sea, visit Lagos and Nazaré, two must-see ports in Portugal. And, of course, head to the island of Madeira for a sun-drenched stay based around nature and cuisine.


Visitors should remain vigilant in tourist and seaside areas where pickpockets thrive, especially on public transport like the vintage trams. Don’t leave any luggage in your car – even in the trunk – when you’re at the beach. From 1st June to 30th September, it is strictly forbidden to light fires in forested areas.

Practical information

The Portuguese currency is the Euro. To exchange your money, you can go to the bank (open from 8.30 am to 3 pm from Monday to Friday) or a bureau de change. You can also withdraw money directly from ATMs using your bank card.

Shops are open from 9 am to 7 pm during the week, and often closed for the weekend from 1 pm on Saturdays. Supermarkets are generally open until 9 pm.

According to the European Commission, for a foreign national to enter the territory of Portugal, they need to prove they will have at least €40 per day of their trip when applying for a Schengen Visa, as well as €75 on arrival.

How can AXA help?

As the top brand for Schengen insurance, AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Portugal and the other Schengen states from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.

AXA offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €1.50 per day, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €298 for a year’s coverage.

Frequently asked questions about travel insurance to Portugal

Will my travel insurance cover repatriation if I get injured?

Yes. AXA’s insurance will cover your repatriation in case of injury or illness if necessary and within the limits of expenses.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees - but you will need to provide documentation specifying the reason for refusal.

What happens if I give AXA the wrong information?

All the information you give us must be accurate to the best of your knowledge and belief and it’s your responsibility to make sure that it’s updated if it changes. If it is not your policy may be canceled or in extreme deliberate cases investigated for fraud.