Travel Insurance for Visa in Portugal

19 de September, 2023

Travel Insurance for Visa in Portugal

Insurance for visa applications in Portugal must cover at least 30,000.00 euros and be valid throughout the Schengen Area. Read more.
Reading: 5 min

Having travel medical cover is one of the main requirements for visa application. This immigration rule applies to all European Union (EU) countries. However, there may be slight differences in the requirements of each country (both the destination and the applicant’s country of origin). In this article we will explain the specifics of travel insurance for visas in Portugal.

Here’s what type of insurance required to living in the country, o minimum amount of cover who needs to take out insurance, prices and alternative documents that can be used when applying. Also find out which companies
Atlantic Bridge
recommends to its clients.

Submit Your Visa Application with the Guidance of Our Experts

Does Portugal require travel insurance to enter the country?

Yes. travel medical and hospital insurance (or Schengen Card) is a requirement of the Schengen Treaty for any foreign visitor wishing to enter Portugal, whether to visit, study, do business or live. However, the type of cover you should take out varies in each situation.

If you want to apply for a residence visa, it must be more complete and meet specific requirements. It must meet specific requirements, which we will explain below.

It is worth mentioning that those who have

Portuguese citizenship

are exempt from presenting insurance when visiting the country.

Which countries have signed the Schengen Agreement?

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland are members and participants in the Schengen Agreement signed in 1985 which, among other clauses, requires visitors to have travel insurance for Europe and a visa for stays of more than 90 days.

Remember that Ireland is part of the European Union, but not part of the Schengen area. Like the United Kingdom which is not part of the free movement treaty or the EU after Brexit.

Read also:

All About Proof of Residence for Visa Application in Portugal

Which Portuguese visas require travel insurance?

Everyone. If you are a foreigner and intend to visit or live in Portugal, you will need to have travel medical insurance.

Discover all the visas in Portugal

What should travel medical insurance look like for a Portugal visa?

The characteristics of the insurance required to apply for a visa in Portugal may vary slightly from jurisdiction to jurisdiction. According to the official website of the European Union the insurance must include:

  • coverage of at least 30,000.00 euros;
  • coverage throughout the Schengen area;
  • cover for expenses that may arise in connection with repatriation for medical reasons or death during your stay; urgent medical care and emergency hospital treatment.

A validity of the insurance (minimum period of cover) may vary depending on the country of origin:

  • United Kingdom Valid for a minimum period of 4 months (from the expected date of arrival in Portugal). Can be replaced by the British Form S-1 for employed persons.
  • United States Validity for a minimum period of 6 months.
  • Brazil Validity for a minimum period of 1 year.

To consult specifications for other countries, ask our consultants for help.

Does credit card insurance work for visa applications?

Some credit card companies offer travel insurance (also known as a Schengen Card) when the airline ticket is paid for with these cards. Make sure you don’t miss out on this opportunity to save. But be careful: check with your credit card company to see what cover these insurances provide, as they don’t always meet the requirements specified for visa applications. In some situations the duration of cover may be insufficient. If it meets the requirements, it can be used.

Which credit cards offer a Schengen Card?

The flags that usually cover this service are:

Visa :

Visa Platinum

Visa Infinite

Mastercard :

Mastercard Platinum

Mastercard Black

Link :

Elo Nanquim Diners Club

Corporate Link

Elo Empresarial Nanquim Diners Club

Graphite Business Link

American Express:

The Platinum Card

American Express Gold Card

Bradesco Platinum American Express

PB4: Agreement with the Brazilian government

The PB4 is a certificate of entitlement to medical assistance (or CDAM), which is the result of a agreement between Brazil and the nations of Portugal Cape Verde and Italy. This certificate allows Brazilian citizens to use the public health system in these countries as if they were local citizens, paying the same rates as them.

The PB4 replaces travel medical insurance for visa applications in Portugal because it proves that the applicant is entitled to medical assistance in the country, which is one of the requirements for being granted a visa. However, it is advisable to purchase travel insurance, as this provides more extensive cover.

The PB4/CDAM can be obtained online by clicking here.

Here’s how public and private healthcare works in Portugal.

How much does travel medical insurance cost in Portugal?

The price of travel medical insurance will vary mainly according to the age of the applicant.

If you have chronic illnesses, hiring can become more expensive and, in some cases, unfeasible. Check with our consultants about the best solution for your specific case.

The average price of travel medical insurance is between €12 and €33 per day. 

Companies offering travel medical insurance for Portugal

A Arrenta Insurance , Cestarolli Travel e DS Insurance are partner companies of Atlantic Bridge and offer special conditions for our clients.

We recommend the services of these companies, as they are already used to providing the insurance required for visa applications, avoiding mistakes that could delay your process.

How to choose the best travel insurance?

To choose the best travel insurance Portugal, you need to take into account your travel profile and your specific needs.

Some factors that can influence the choice are age health (if you have any chronic illnesses) and the extent of the cover offered. If you are pregnant or intend to take up a sporting activity, check that the insurance company meets the requirements for your specific case.

Remember: it is mandatory to have a minimum cover of EUR 30,000 for medical and hospital expenses in Portugal. This is an essential requirement for the visa to be granted.


Atlantic Bridge
and apply for your residence visa to Portugal with the support of experts who will help you at every stage of your journey, including the purchase of your travel medical insurance. Ensure a smooth and safe transition to your new chapter in Portugal.

Apply for Your Visa with the Guidance of Our Professionals



Atlantic Bridge

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