Travel Insurance for Portugal

Know more About Travel Insurance

Known for its welcoming nature, wine and dining, maritime activities, and more, Portugal has been attracting travellers from all over the world. However, because it is part of the Schengen area, travellers planning a visit to the country must obtain a Schengen visa, which mandates having travel insurance for Portugal visas. 

Travel Insurance Portugal From India

Travel insurance is a risk management system specially designed to provide financial protection to travellers. This financial protection is offered as compensation or reimbursement for covered risks. These risks can be both medical and non-medical in nature and range in severity and frequency of occurrence, resulting in significant financial loss and a negative travel experience. However, by opting for the right travel insurance for your destination, travellers can secure their trip and travel with confidence and peace of mind. 

This is why, whether you are travelling to Portugal, where travel insurance is mandatory as an entry requirement and for the Schengen visa, or anywhere else in the world, it is not only beneficial but highly recommended to opt for insurance to secure one’s trip and travel with confidence and peace of mind.

Why do you need travel insurance for Portugal?

As mentioned above, travellers must secure their trip with travel insurance for Portugal to be eligible for the visa and thus enter the country. Not just Portugal, travellers planning a trip to any country in the Schengen area must opt for Schengen travel insurance, which provides coverage to all countries in the Schengen area with at least €30,000 of medical coverage, including medical evacuation and repatriation. So not only is travel insurance highly recommended to ensure the health and financial well-being of travellers, but it is also mandatory as an entry criteria and visa requirement.

Explore the Key Benefits Offered by Travel Insurance for Portugal

While it is mandatory for travellers to opt for travel insurance in Portugal, travellers should note that Portugal travel insurance plays a vital role in securing their health and financial well-being when visiting the country. So, while it may seem like an additional expense to protect oneself from additional costs, here is a list of some of the key benefits of opting for travel insurance Portugal generally and from a leading insurer such as Niva Bupa:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their Portugal trip with Portugal travel insurance.

• Coverage of up to $500,000 under Portugal travel insurance.

• Niva Bupa provides 24/7 assistance to travellers with travel insurance Portugal in any emergency.

• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.

• Student travellers with student travel insurance for Portugal are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

What is covered under the Travel Insurance for Portugal?

When looking to buy travel insurance for Portugal, travellers should note that travel insurance does not prevent travel-related risks but protects travellers from their impact by providing financial protection and sufficient means for recovery. 

While the specific coverages offered by various insurers are similar and overlap significantly, the scope and extent of coverage vary substantially between them, resulting in the need to choose the right policy for one’s trip. Here are some of the key coverages offered as a part of Niva Bupa’s Portugal travel insurance:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalization): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

In addition to this, travellers can also find additional coverage if they opt for student travel insurance, which offers several student-specific coverages, such as sponsor protection, study interruption, and complete pre-existing disease coverage, in addition to what is mentioned above. 

What is not covered under the Portugal Travel Insurance plan?

Just like what is covered, it is imperative for travellers to be aware of the limitations and exclusions of a policy to make informed decisions and avoid risks that will not be covered. For example, adventure sports coverage or pre-existing diseases are usually exclusions unless specifically mentioned as inclusions or opted for as an add-on. So, if a traveller is injured due to taking part in adventure sports or requires hospitalisation due to a pre-existing medical condition, their claim may not be approved. Here is a summary of the exclusions under Niva Bupa’s travel insurance in Portugal:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages due to adventure sports unless part of coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Please note that this list is just an excerpt from the policy document. Reading and assessing the exclusions when purchasing a policy is crucial to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for Portugal?

Any traveller planning to buy travel insurance for Portugal online from a reliable insurance provider for an affordable price should consider Niva Bupa for their policy. Niva Bupa is one of the leading insurance providers in India, with its comprehensive travel insurance plans covering dozens of travel-related medical and non-medical risks in over 190 destinations, including Portugal and the entire Schengen area. 

Whether you are looking for Portugal travel insurance as a visa requirement or a reliable insurer to secure your trip from travel-related risks, Niva Bupa is the answer to your needs.

What are the criteria for being eligible for travel insurance for Portugal?

Travellers need to fulfil different requirements depending on the specific insurer to be eligible for Portugal travel insurance. These requirements are typically the travellers' age, with various insurers having different upper and lower limits. For example, Niva Bupa offers protection to children from the ages of 1 day to adults up to 70 years of age, while some insurers require children to be at least six months old and might have an upper age limit of 55 years. 

Here are the requirements to be eligible for Niva Bupa’s travel insurance for Portugal:

• Adults should be between the ages of 18 and 70.

• Dependent children can be from 1 day old to the age of 25.

• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

How do you buy Travel Insurance for Portugal Online?

In 2025, it is now easier than ever before to buy travel insurance for Portugal online. Not only is buying insurance online paperless and cashless but also instant, enabling travellers to purchase the policy anywhere anytime within just a few minutes. That is also the case for Niva Bupa’s TravelAssure policy, where travellers can buy insurance in just a few steps at any time before starting their journey. Here are the steps to buy travel insurance for Portugal online from Niva Bupa:

1. Enter Your Mobile Number to start the process.

2. Add Trip Details: Select either Single-Trip or Student Travel Insurance and choose your destination(s), including Portugal.

3. Select Travel Dates: Ensure accuracy, keeping in mind time zone differences for international travel.

4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.

5. Choose Coverage Amount: From $50K to $500K.

6. Select your policy type: Lite, Basic, Comprehensive, or Honeymooners.

7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.

8. Provide KYC Details: Review policy terms and give consent for Niva Bupa Health Insurance to download your KYC.

9. Add Personal & Medical Details for all travellers.

10. Make the Payment: Your policy copy will be emailed instantly.

Once the payment is complete, the Portugal travel insurance policy will be emailed to you. Following the five easy steps mentioned above, you can secure your trip with a comprehensive insurance policy from Niva Bupa within minutes.

When to buy Portugal travel insurance?

Typically, travellers are recommended to purchase travel insurance immediately after purchasing their flight tickets and booking accommodations. However, when travel insurance is mandatory for a visa, and travellers wish to get the visa before buying tickets and making hotel reservations, purchasing the policy when making the visa application is ideal. So, the general directive of buying travel insurance for a Portugal visa as soon as possible still stands due to the need for a visa. 

Travellers, however, should note that it is not just because of the visa requirements; even without a visa, purchasing the policy as soon as possible is beneficial to take advantage of the trip cancellation benefits. While travel insurance typically only starts when the traveller has started their journey, trip cancellation coverage begins from the moment of purchase of the policy.

Typically, when travelling abroad, travellers are expected to make reservations and bookings in advance, which are non-refundable. Thus, if their trip is cancelled for some reason, they may lose out on the entire amount paid in advance and any expenses made to resolve the reason for trip cancellation. This is where trip cancellation coverage compensates for non-recoverable travel and accommodation expenses. 

Factors Affecting the Premium Of Travel Insurance Portugal

Travellers should note that the premium they pay for their policy is dynamic and depends on several factors. From the travellers' ages to the travel destination, trip duration, add-ons, etc., travellers should know these factors to determine the right premium for their policies. Here is a list of some of the key factors impacting the premium for travel insurance in Portugal:

• Traveller's age 

• Travel destination 

• Trip duration

• The comprehensiveness of the plan opted for 

• Type of travel such as single-trip, student, domestic/international, etc.

• Number of travellers

• Insurer offering the policy

What You Need to Know About Filing a Claim for Travel Insurance in Portugal

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process.

1. To file a Portugal travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.

4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email. 

• The TPA-Europ Assistance will contact the customer and provide them with the required Portugal travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.

• Our medical team will approve the claim by e-mail.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form

2. KYC

3. Cancelled cheque of the proposer

4. Discharge summary 

5. Final bill along with break-up

6. Payment receipt

7. All investigation reports 

Portugal Visa Details and Entry Information

As a part of the Schengen area, Portugal has dissolved internal borders and enables free travel for citizens who are a part of the Schengen area. Not just this, Portugal has also adopted the Schengen visa, thus requiring travellers to avail of a Schengen visa to enter the country for short-term visits. 

Travellers can apply for the Portuguese Schengen visa to be eligible for entry into the country for the short term while opting for other temporary and residence visas for long-term visits, including work, education, medical treatment, family reunification, etc. 

What are the travel documents required to travel from India to Portugal?

It is essential for travellers to carry certain documents to be eligible for entry into Portugal. These documents may vary depending on the specific visa opted for, but they are the standard documents that all travellers are expected to carry.

1. A valid passport with at least six months of validity.

2. A valid Portuguese Schengen visa covering the entire duration of the trip.

3. Travel insurance for a Portugal visa with at least €30,000 of medical coverage, including medical evacuation and repatriation for the entire Schengen area. 

4. Travel itinerary with confirmed return tickets or proof of onward travel.

5. Proof of sufficient funds for the stay or of a sponsor

6. Proof of accommodation in the country

7. Two-passport sized photographs

Which is the Best time to visit Portugal?

Portugal is a country which, due to its proximity to the sea, experiences moderate to cool temperatures and partial rain to bursts of heavy downpours throughout the year. Many recommend the summer months in Portugal, from June to August, as the best time to visit the country due to its pleasantly warm weather with occasional rain and temperatures ranging from 17 to 29°C. In addition to the weather, it is also the ideal time for maritime activities and exploring places of historical significance in the country, thus attracting tourists from far and wide. 

On the other hand, the months of mid-March to mid-June or September and October during Spring and Autumn, respectively, are good times to visit for travellers wanting a less crowded experience while still being able to experience pleasant weather with some occasional showers. The temperature during these months is 10 to 22°C and 15 to 27°C, respectively, making it pleasant for various maritime activities and exploring the country with peace of mind.

What are some famous Portugal Tourist Places?

Travellers planning to visit Portugal in 2025 should keep a note of the several popular tourist places in Portugal for a fun and experiential journey. Here are a few popular tourist destinations for travellers looking to visit the country:

1. Oceanário de Lisboa: One of the largest and most popular indoor aquariums in Europe, the Lisbon Oceanarium is a place for nature and animal lovers. 

2. Jerónimos Monastery: A former monastery, the Jerónimos Monastery is a prime example of the Portuguese Gothic art style and showcases stunning architecture. 

3. Belem Tower: Officially the Tower of Saint Vincent, Belem Tower is a UNESCO world heritage site. It was built in the 16th century and features impressive stonework that showcases Portugal’s colonial and maritime power at that time. 

4. Guimarães Castle: A medieval fortress built in the 10th century, the castle was the site of several prominent political and military incidents. 

5. Calouste Gulbenkian Museum: Regarded as one of the most important private collections of historical artifacts, the Calouste Gulbenkian Museum has works from ancient Egypt to the early 20th century.

What are Some Fascinating Facts About Portugal?

Portugal has a deep-rooted history of being one of the oldest established countries in Europe, having been established by the Treaty of Zamora in 1143. Not only this, but Portugal is also home to several other fascinating incidents and facts, making it an excellent destination for your next visit. Here are a few intriguing facts about the country:

• The capital of Portugal, Lisbon, is older than Rome and is counted amongst the oldest cities in all of Europe. 

• Over 80% of the Portuguese population are Roman Catholics.

• Portugal was the first European nation to participate in the transatlantic slave trade.

• Japanese Tempura is an invention of the Portuguese traders and missionaries living in Nagasaki during the 16th century. 

• Portuguese women live an average of six years more than men. 

Safety & Useful Tips for Portugal Visit

While Portugal is considered to be relatively safe for tourists, it is still necessary to take necessary precautions to avoid any problems during your stay in the country. Here are some safety tips to consider and keep in mind when visiting Portugal:

• Always keep your passport safe and secure in something like the hotel’s lockers.

• Make sure to have a copy of the passport at all times for identification

• Don’t engage in any verbal or physical fight with a local citizen

• Do not take part in any unlawful activities

• Do not visit any isolated locations alone

• Do not visit any overcrowded locations to avoid pickpocketing

• Avoid individuals who might be overexcited or too eager to become friendly

• Follow local guidelines when getting into the water by keeping a note of the flags

• Keep note of your belongings to avoid losing them

Frequently Asked Questions