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Travel insurance in Portugal
Travel with greater peace of mind. Compare travel insurance options suited to your destination, the length of your stay and the cover you actually need.
- Medical assistance while travelling
- Repatriation and support for unexpected events
- Protection for baggage, delays and cancellation
- Options for holidays, business, study and cruises
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Request a free quote
Before you start
- Have your travel start and end dates, Portuguese tax number (NIF), date of birth and nationality ready.
- Choose the type of trip: holiday, winter sports, business, Erasmus or cruise.
- Select the destination: Portugal, Europe or the rest of the world.
- Choose the cover you need: international medical assistance, repatriation, cancellation, ski passes or Covid related cover.
- Describe your needs in your own words, for example if you are travelling with your family or several times a year.
What happens next?
Your request is sent through Chico dos Seguros. Our team reviews the information and contacts you with the available proposals. Prices are not calculated automatically, and submitting a request does not activate insurance.
Your data is handled according to our compliance and transparency information and the consent shown in the form.
How to compare travel insurance in three steps
01 · Tell us about your trip
Your dates, destination and type of trip determine which cover is relevant and how much it may cost.
02 · Compare the proposals
Compare the proposals side by side: premium, medical expense limit, repatriation and exclusions.
03 · Decide before you travel
Ask our team any questions and decide in good time, rather than arranging insurance in a rush on the day you leave.
What to compare in travel insurance
Cheap travel insurance only offers value if it covers what may go wrong at your destination. Compare these points in every proposal.
Medical expenses and repatriation
Check the limit for medical and hospital expenses abroad and whether repatriation is included. In the EU, EEA and Switzerland, the European Health Insurance Card gives access to public healthcare under the same conditions as residents, but it does not pay for private treatment or your return to Portugal.
Destination and type of trip
Winter sports, cruises, Erasmus and business travel require different protection. Check that the policy covers your destination and planned activities.
Baggage and disruption
Check whether the proposal covers lost, stolen or delayed baggage and flight delays, including the applicable limits. If you paid for the trip in advance, also review the cancellation cover.
Excesses and exclusions
Read what is excluded, such as pre-existing conditions or high risk sports, and how much you pay towards each claim.
Chico’s tip: save the insurer’s assistance number on your phone before travelling. If something happens, calling first can make support and payment of expenses easier.
What type of trip are you planning?
Holiday
Skiing or taking a cruise? Mention it in your request because winter sports and sea travel require specific cover.
Business travel
Travelling for work? Mention it in your request and check whether professional equipment is covered.
Studying abroad
For Erasmus and other study periods, check that the policy covers the full stay and whether your university requires minimum benefits.
Staying abroad for a longer period? Also compare health insurance with international cover. Travelling by car? Check what your car insurance covers outside Portugal.
Cover, limits and exclusions depend on each policy. You can also consult the Portuguese insurance authority’s information about insurance contracts.
Questions about travel insurance
Whether you are booking now or have already booked, these are the most common questions about travel insurance.
What does travel insurance cover?
It depends on the policy. Common cover includes medical expenses abroad, repatriation and baggage. Tell us which protection you need.
Which travel insurance is right for me?
The right policy should cover your destination, travel dates and planned activities, with suitable medical limits and a premium that makes sense for your trip. We compare proposals for your specific journey.
Is annual travel insurance available?
Some insurers offer cover for several trips during the year. If you travel frequently, mention it in your request so our team can check the available annual options.
Is cheap travel insurance worth it?
It can be, provided that the cover and limits meet your needs. Always compare medical expense limits and exclusions, not only the premium.
How does the travel insurance request work?
You provide the dates, type of trip, destination and required cover. Our team reviews the request and contacts you with available proposals. The request does not calculate prices automatically or activate insurance.
Does the comparison include every insurer?
No. It includes proposals available through the insurers we work with for the trip and cover you requested. Availability varies and does not represent every offer on the market.
Other insurance to compare
Want to see everything in one place? View all insurance comparisons.
Compare your travel insurance with Chico
Tell us the dates, destination and required cover, then receive proposals to compare. You decide.
