Are you planning a trip to Portugal? Did you think about travel insurance? Do you want to which is the best travel insurance to Portugal?
There are so many options out there, so I’ll try to answer your most-asked questions about how to find the best travel insurance.
Most of the companies mentioned below are going to offer travel insurance for US citizens.
If you are not from the US, find out if you should get travel insurance by reading our article: Do I Need Travel Insurance for Portugal?
Which is the best travel insurance to Portugal?
Let’s first answer this question: Why do I need travel insurance?
If you like to risk in your life in extreme sporting activities, you probably need it.
And also, if you would like to enjoy your holidays with no worries, you will definitely need it.
You’ve had your luggage stolen or you had an accident during your holiday, what will you do? Probably start to panic, because you’re in a foreign country with a language that you don’t speak.
But, if you have travel insurance, you don’t have to worry as most policies cover all of those situations. Travel insurance provides you with a financial safety net.
What should your travel insurance policy to Portugal include?
In my opinion, the best travel insurance to Portugal should include cover for:
- Medical expenses;
- Repatriating to your country;
- Costs of cancellation or curtailment of your holiday;
- Costs for delays and missed departures;
- Costs of travel abandonment;
- Lost or stolen baggage;
- The loss or theft of your passport; and
- Personal liability.
The best travel insurance to Portugal varies from person to person as we all have different expectations and a different financial status.
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Who offers the best travel insurance to Portugal?
There are a number of factors that determine the costs of travel insurance like your age, total trip costs, length of staying and if you travel “solo” or with a “family”.
Three of the best travel insurance companies based in the US are:
• IMG Global;
• HCC Medical Insurance Service; and
• World Nomads.
Let me compare these for you so you can have a general overview.
1. IMG (International Medical Group)
IMG is a well-known American travel insurance company that offers insurance to travellers from more than 190 countries, so probably yours is one of them.
They have a travel insurance policy called iTravelInsured which costs around $42 for a single, 38 year-old from New York who is coming to Portugal for two weeks in August (this is just an example).
This covers you for at least the following, but they have three plans to choose from:
- Trip cancellation;
- Trip interruptions;
- Travel delays and other losses incurred while traveling;
- Emergency medical expense, evacuation, and reunion benefits; and
- Valid for trips up to 31 days.
Use the IMG calculator to work out the best price for you.
With their Patriot Travel Medical Insurance, you can choose your maximum coverage from $50,000 to $500,000 and deductibles from $0 to $2,500.
IMG company also offers Seniors Travel Insurance (for ages 65+), which is something that most travel insurances in the market don’t have.
Have a look at all of IMG’s plans here.
If you don’t know this company, you can check out their short promotional video:
2. HCC Medical Insurance Services
HCC Medical Insurance Services offers an international travel insurance that works for citizens from all over the world.
One of the best is Atlas Travel Insurance. For the same 38 year-old from New York travelling to Portugal for two weeks in summer, it will cost about $38 (for worldwide cover, not just Portugal).
This policy covers:
- $2 million maximum coverage;
- Emergency dental;
- $500 for lost checked luggage; and
- Emergency medical evacuation.
Use HCC’s quote calculator for your specific trip to see how much it will cost.
HCC Medical Insurance Services also offers travel insurance for Seniors but there is NO age limit! It will rate the cost based on the age you enter. But if you’re over the age of 70 or 80, the limits of coverage decrease, which means that unfortunately you’ll have to pay more than a younger person for the same amount of insurance.
The good news about this company is that you can buy your travel insurance even if you already started your trip, you don’t have to be at home, or in your country to buy this travel insurance or to extend your existing policy.
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3. World Nomads
World Nomads is also a travel insurance company that provides services to citizens from all over the world.
They specialise their policies for backpackers or active travellers who partake in surfing, cliff jumping, etc.
Our 38 year-old New Yorker can get a Standard Plan for $84 for two weeks in summer in Portugal which covers:
- Emergency accident, sickness and dental costs;
- Hospital costs;
- Repatriation expenses in case of injury from over 200 adventure sports and activities;
- Trip cancellations, interruptions and delays; and
- Lost or stolen baggage and personal effects.
To get your personal quote, use the World Nomads quote calculator here.
You just need to fill in the country of travelling to, your country of residence, the duration of your travel and your age.
In the next step you’ll be able to choose between two options: Standard or Explorer insurance. Standard is more basic, which already includes a number of risky activities. Explorer is for more extreme travellers.
Also, as with HCC Medical, you can buy travel insurance after having your trip has started.
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How to compare travel insurance companies
To find the best travel insurance to Portugal for you, I would recommend that you compare travel insurance policies from different providers.
If you would like to make the calculations on your own, you can also check a few websites that are comparing travel insurance policies, for example:
What is the cheapest travel insurance to Portugal?
The cheapest, as well as the best travel insurance to Portugal is offered by HCC Medical Insurance Services. In our example, it was $38.
But since it’s cheaper than the others, it may not cover all types of extreme activities.
If you want to buy it, just make sure it covers the activities you intend to do. If you’re planning to stay in Portugal for longer, it’s a good choice as it’s suitable for trips of any lengths ranging from someone’s round-the-world backpacking trip to a student on a short exchange study trip or an annual travel insurance for long holidays.
So, is it worth having travel insurance to Portugal?
Definitely YES! You know, anything can happen, so it’s better to protect yourself if you can and travel with no worries.
Of course I don’t wish anything bad to happen, I just want you to stay safe and enjoy this amazing country to the fullest!
Do you have any other questions about the best travel insurance to Portugal? Let us know in the comments below.
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