Travel insurance for Portugal

Portugal is a popular destination for travellers, with historic cities, coastal scenery and great food culture. Whether you're exploring Lisbon's neighbourhoods or relaxing along the Algarve coast, learn how travel insurance could help on your trip to Portugal.

nib travel insurance may help cover unexpected situations like medical emergencies, travel delays or lost belongings.

What does travel insurance for Portugal cover?

Depending on the plan you select, Portugal travel insurance may include cover up to policy limits for:

• Overseas emergency medical treatment, evacuation and repatriation

• Trip cancellation, interruption or delay

• Lost, stolen or damaged luggage and personal items

• Rental vehicle insurance excess

• 24/7 emergency assistance while overseas

• Sports and activities including hiking, cycling, kayaking and more.

The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the combined Financial Services Guide (FSG)/ Product Disclosure Statement (PDS).

Popular outdoor activities in Portugal

Outdoor experiences are a big part of holidays in Portugal, including:

• Surfing along the Algarve and west coast

• Hiking in regions including the Peneda-Geres National Park

• Cycling wine regions and the countryside such as the Duoro Valley

• Boat tours and dolphin in the Azores.

Visa requirements for Australians going to Portugal

• Australians can visit Portugal for up to 90 days within a 180-day period without a visa under the Schengen Area rules.

• From 2026, Australians will need to register through ETIAS (European Travel Information and Authorisation System) before entering Schengen countries, which includes Portugal.

What’s not covered

Travel insurance for Portugal doesn’t cover everything. Our policies do not cover:

• Travel against Australian government advice (see smartraveller.gov.au).

• Losses arising from being intoxicated by alcohol or drugs.

• Existing medical conditions which are not accepted by us.

• Doing activities specifically excluded in your PDS.

• Losses caused by unattended belongings.

Read the combined PDS/FSG to ensure you understand the terms, conditions, limitations, and exclusions of your policy.

Travel tips for Portugal

• Keep valuables secure and remain alert on public transport and in crowded areas.

• Store digital copies of travel documents separately from originals.

• Check rental car excess requirements before collecting rental vehicles.

• Dial 112 for local emergency services while in Portugal.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the combined Product Disclosure Statement/Financial Services Guide.

Find more answers to frequently asked questions about travel insurance in our help centre.

nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.

*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.