Travel Insurance for Portugal

Portugal is a true tourist paradise. In Lisbon, you can explore old tram-lined streets, while Porto charms visitors with colourful riverside houses and famous wine cellars, and the Algarve is loved for its golden beaches and sea caves. Just outside Lisbon, Sintra feels like a fairy tale with palaces and green hills. Food is another key reason to visit. Bacalhau cooked in many ways, grilled sardines by the sea, and pastel de nata enjoyed fresh with coffee: doesn’t this increase your hunger?

However, as you move across Portugal, it is important to plan for the unexpected. A sudden illness, a minor injury while sightseeing, flight delays, or misplaced luggage can disrupt even a well-planned trip. Medical care abroad can be expensive, and even small issues may lead to high out-of-pocket costs.

With IndusInd Portugal travel Insurance you get financial support for medical treatment, hospital stays, and emergency assistance. It also covers trip delays, baggage loss, and personal liability, helping you manage practical issues smoothly. Most importantly, the 24/7 assistance ensures help is always available, so you can focus on enjoying your journey rather than worrying about unplanned expenses.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

While exploring Portugal’s cobbled streets and coastal towns, even careful travellers can face surprises. A sudden illness, a missed document, or a theft in a busy tram can quickly disrupt your trip. With IndusInd Portugal Travel Insurance (earlier known as Reliance Travel Insurance), you stay protected from unexpected costs and travel-related financial worries throughout your journey across the country.

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$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Portugal

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Portugal Travel Insurance

Cashless Medical Coverage

What if pastel de nata, bacalhau dishes, or Portuguese street food upset your stomach? Or what if a pre-existing condition acts up just before you head out to explore the Belém Tower or take a scenic tram ride through Lisbon? Don’t worry. With us, you can receive medical treatment of up to USD 500,000 (and up to USD 500 for emergency dental treatment) at certified hospitals in Portugal without paying anything upfront.

24/7 Emergency Cash Support

What if, while riding a historic tram in Lisbon or unwinding at a café in Porto, you realise your wallet has been stolen? Without a fallback, your Portugal trip could quickly lose direction. To help you handle essentials like food, local travel, and lodging, we offer emergency cash support of up to USD 300. Simply contact our 24/7 assistance desk, and we will guide you through the process smoothly.

Flight Delays & Connecting Flights

Landing in Portugal during the peak holiday season often puts pressure on tourist hot spots, where crowds can build quickly. When traffic surges, flight timings may slip unexpectedly. If your journey to Portugal is delayed by more than 12 hours, we step in to soften the delay with financial assistance of up to USD 60 per day.

Lost Baggage Support

Touching down in Portugal without your suitcase can ruin the mood. Rather than panicking, just call us. We offer up to USD 100 when your checked baggage is delayed by 12 hours or more. If an airline loses your bags, you receive up to USD 1,500 to purchase essentials such as clothing, toiletries, and other everyday travel items during your trip.

Personal Liability

Portugal, known for lively streets and scenic coastal drives, experiences heavy foot traffic near popular attractions. When you hire a car or scooter and unintentionally injure a person or damage local property, you are not alone. With IndusInd Portugal Travel Insurance, coverage of up to USD 200,000 helps manage third-party legal liability claims.

Loss of Passport

Whether you are riding trams in Lisbon, wandering Porto’s riverside, heading between Faro and Sintra, or switching metros and taxis, it is easy to misplace your passport amid the holiday rush. That’s where we step in. We provide up to USD 300 to help cover passport replacement costs abroad.

Key Features

Key Features of IndusInd Portugal Insurance

Individual Travel Plan

From wandering Portugal’s historic quarters and sunlit coastlines to flying in for work, choose IndusInd Portugal Travel Insurance to stay covered against sudden issues and enjoy reliable protection from unexpected events that could interrupt your journey plans.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Heading to Portugal with your loved ones? Instead of buying individual travel insurance for each traveller, choose a family policy that protects all of you. Simply enter each member’s age and get an instant quote. Keep in mind that under a family plan, the total sum insured is pooled and shared among all insured members, with no fixed split between family members.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Inlcusion Exclusion

IndusInd Portugal Insurance: Inclusions & Exclusions

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What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

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What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Portugal Travel Insurance?

Purchasing IndusInd Portuguese Travel Insurance online is a smooth and time-saving experience. Just follow the steps below to get covered before your journey.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Portugal as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Portugal travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Portugal Travel Insurance ?

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Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

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Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Types of Visas for Portugal

The purpose of your trip to Portugal will determine which visa you need to apply for. Here are the available options.

Schengen Visa (Type C)

It is a short-stay visa. You should apply for this if you are flying to Portugal for tourism, business meetings, visiting family or friends, or attending cultural events. You can apply for this visa to stay for up to 90 days within a 180-day period. The fee is €80 for adults, €40 for children aged 6–12, and free for children under six.

Business Visa

If you are travelling to Portugal for professional purposes, such as attending conferences, meetings, or trade fairs, this visa applies. It follows the Schengen short-stay rules, permitting stays of up to 90 days. However, to obtain this visa, you will need an invitation letter from a Portuguese company and proof of existing business ties.

Transit Visa

If you are only transiting through a Portuguese airport for a flight change or en route to a non-Schengen destination, you will need a transit visa. It is valid for a limited period and is strictly limited to airport transit, without permitting entry into Portugal or the wider Schengen area.

National Visa (Type D)

You need to apply for this visa if you wish to stay in Portugal for more than 90 days for purposes such as study, work, family reunification, or residence. This visa can later help you obtain a residence permit.

Skilled Job Seeker Visa

This visa allows you to work and live in Portugal to seek employment and allows you to carry out highly qualified professional activity until the end of the visa period or until your residence permit is granted.

Residency Visa

Granted for the express purpose of applying for a residency permit. This visa type allows 2 entries and is valid for 4 months. During this time, you’re required to apply for a residence permit with AIMA - Agência para a Integração, Migrações e Asilo.

Embassy Contact Details: India and Portugal

Parameters	Embassy of Portugal in India	Indian Embassy in Portugal
Location	New Delhi, India	Lisbon, Portugal
Address	No. 4, Panchsheel Marg, Chanakyapuri, New Delhi – 110021	Rua Pero da Covilha, 16, Restelo, Lisbon – 1400-297
Contact Number	+91 11 4607 1001 / 4607 1002	+351 21 304 1091 / +351 920 466 584 (Emergency)
Email Address	chancery.novadeli@mne.pt; sconsular.novadeli@mne.pt	hoc.lisbon@mea.gov.in; cons.lisbon@mea.gov.in
Website	gov.pt/web/india	eoilisbon.gov.in
Operatings Days	Monday to Friday	Monday to Friday
Operating Hours	Mon–Fri: 9:00 am – 4:00 pm	Mon–Fri: 9:00 am – 5:30 pm

Best Time to Visit Portugal

Portugal is a year-round destination. Still, you can witness variations in seasonal weather across Lisbon, Porto, the Algarve, and the Douro Valley.

March to May

What to Expect: Mild and pleasant weather (15°C–23°C) with longer days, fewer showers, sunny mornings, and cool evenings.

Perfect for: Sightseeing, city breaks, and wine tours.

Tourist Flow: Low to moderate, with short spikes around Easter and school holidays.

Flights and Hotel Rates: Generally affordable; slight increase during Easter weeks.

Return Airfare from India (Approx): ₹30,000–₹60,000

Keep in Mind: Book early for Easter travel. Some coastal activities resume only after Easter.

June to August

What to Expect: Warm to hot summer weather, ranging from 22°C–33°C depending on the region.

Perfect for: Beach holidays, sailing, water activities, and summer festivals.

Tourist Flow: Very heavy

Flights and Hotel Rates: Highest of the year, especially in coastal regions.

Flights and Hotel Rates: Highest of the year, especially in coastal regions.

Return Airfare from India (Approx): ₹45,000–₹90,000

Keep in Mind: Heatwaves are possible; plan sightseeing early in the day and choose air-conditioned stays.

September to February

What to Expect: Cool and wet winter season (6°C–16°C), with rare snow in higher altitudes.

Perfect for: Budget travellers, museum visits, wine harvest, quiet city breaks, and winter sun in the Algarve.

Tourist Flow: Very low, except during Christmas, New Year, and Carnival.

Flights and Hotel Rates: Among the lowest outside holiday weeks.

Return Airfare from India (Approx): ₹30,000–₹50,000

Keep in Mind: Reduced hours in coastal towns and occasional rain may limit outdoor plans.

Interesting Facts About Portugal

Ancient Borders: Portugal is among the oldest countries in Europe, with defined borders since about 1139 CE. Lisbon is older than Rome and is among the oldest continuously inhabited cities in Europe.

Natural Produce: Portugal is the largest producer of cork in the world, supplying over half of global demand. The country also produces about 30% of the world’s carob and is a top olive oil producer.

Record Bridge: Portugal’s Vasco da Gama Bridge is one of the longest in Europe and is about 17.2 km.

Highest Peak: The highest point in mainland Portugal is in the Serra da Estrela mountains. It is around 1,993 metres.

Surf Capital: Giant Atlantic waves near Nazaré attract world-record-breaking surf champions.

Wild Park: Peneda-Gerês National Park is Portugal’s only national park and is rich in wildlife and hiking trails. The park also has no opening hours or closing hours and comprises more than 20 small villages and municipalities.

Global Language: Portuguese is an official language in nine sovereign countries: Portugal, Brazil, Angola, Mozambique, Cape Verde, Guinea-Bissau, São Tomé and Príncipe, East Timor (Timor-Leste), and Equatorial Guinea.

Island Regions: The Azores and Madeira are autonomous Portuguese regions with volcanic landscapes and rich nature.

Seafood Love: The Portuguese are known for their love of fish, with one of the highest per-person fish consumption rates in Europe.

Historic Bookshop: The oldest bookshop in the world, still in operation, Livraria Bertrand, has been located in Lisbon since 1732.

Essential Apps for Your Portugal Trip

Translation

You can download Google Translate, DeepL, and Microsoft Translator. You can also install the Vasco Translator V4 device; it offers instant speech translation without needing internet access.

Accommodation and Hotel Booking

For hotel bookings, you can download Booking.com, Airbnb, Agoda, and Skyscanner. These platforms offer extensive listings across Portugal, from budget stays to luxury resorts, with multilingual support and flexible cancellation policies.

Navigation

You can download Google Maps and Moovit. Google Maps offers accurate driving, walking, and public transport directions, plus offline maps, and is also handy in rural areas or Lisbon’s narrow alleys. Moovit is excellent for real-time public transport updates.

Transport

You can install Bolt, Uber, and Comboios de Portugal (CP). Although Uber remains widely available in major cities, Bolt is cheaper. For intercity travel, the CP train app is useful. It helps you check train timings, routes, and ticket availability in advance.

Sightseeing and Events

For a tourism guide, you can download Visit Portugal. If you are looking for concerts, festivals, and workshops, install Eventbrite. Alternatively, you can use GetYourGuide and Klook for curated tours in Lisbon, Porto, and Sintra.

Food Delivery

For food delivery, you can install Uber Eats and Glovo. Both offer wide coverage and access to Indian restaurants in Lisbon, Porto, and other major cities. You can easily browse menus, compare prices, and track your order in real time.

Key Takeaways

Portugal has climbed the wish lists of Indian travellers for its coastal charm, walkable cities, historic neighbourhoods and smooth Schengen travel. From tram rides in Lisbon to café hopping in Porto, it offers a relaxed European escape.

Even so, a short break in Portugal can feel unsettling if your suitcase goes missing or your flight gets delayed after a long journey. In a new country, small disruptions can quickly grow stressful. This is why protecting your trip matters.

And that is where IndusInd Portugal Travel Insurance (formerly Reliance Travel Insurance) comes into the picture. Designed for modern travellers, it lets you download your policy instantly and store it on your phone through the IndusInd Insurance App, so support is always within reach.

With premiums starting at just ₹306, the plan provides protection, including cashless medical cover up to $500,000, coverage for trip delays and flight cancellations, financial assistance for loss of passport and 24/7 customer support.

Whether you are travelling solo, with friends or on a family holiday, this cover helps you enjoy Portugal, keeping your focus on memories, not travel troubles.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Portugal Travel Insurance Plans Starting at Just ₹306*

Insure Your Trip to Portugal Today!

From Porto wine tours to Sintra's fairy-tale palaces, you stay protected with IndusInd Portugal Travel Insurance. We ensure your travels remain care-free while you make unforgettable memories!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Is travel insurance in Portugal mandatory?

If you are an Indian traveller applying for a Portugal Schengen visa, you must have valid Portugal travel insurance. Your policy must meet Schengen rules or Portugal travel insurance requirements, such as covering at least €30,000 for medical emergencies and repatriation, and be valid for your entire stay to get your visa approved.

What are some ways to save money when travelling to Portugal?

Here are some ways you can follow to save money: Use public transport such as trams, metros, and regional trains. They are far cheaper than taxis. Stay in guesthouses, hostels, or local apartments instead of large hotels, especially outside city centres. Eat where locals eat by choosing small cafés and bakeries, as daily set lunches are filling and affordable. Buy attraction tickets online. You can also book city passes to get discounts on museums and public transport. Walk as much as possible. Many Portuguese towns are compact and best explored on foot. Avoid tourist-heavy restaurants near landmarks, as prices there are often inflated. Use budget airlines and book early for intercity travel to secure lower fares. Pay in euros using a low-fee card to avoid poor exchange rates and extra charges.

Can I use Indian debit or credit cards in Portugal?

Yes, you can use Indian debit and credit cards if they are on Visa and Mastercard networks. But there are downsides; your bank usually charges foreign transaction and currency conversion fees, and ATM cash withdrawals can be costly too. Some RuPay cards might not work abroad. A good alternative is to carry a prepaid forex card loaded with euros.

Is Indian food easily available?

If you want to enjoy Indian food in Portugal, you can consider the following restaurants: Casa Nepalesa, Lisbon Gandhi Palace, Lisbon (Bairro Alto) Everest Curry & Sekuwa Corner, Lisbon Royal Spice, Lisbon Taste of Punjab, Lisbon Indian Tandoori Restaurant, Porto Maharaja Tandoori, Lisbon Masala Palace, Algarve (Albufeira) Passage to India, Lisbon The Great Indian Kitchen, Porto

How to get currency exchange before flying to Portugal?

If you want to exchange rupees for euros, you can either visit your bank or an authorised money changer. Alternatively, you can visit airport forex counters a few days in advance for better rates. You can also load euros onto a forex travel card, which is safer than carrying cash. However, keep a small amount of cash to pay in remote areas.

What essentials should one pack for travelling to Portugal?

Before you travel to Portugal, make sure you carry the following: Comfortable walking shoes are a must, as Portuguese cities usually have steep streets, cobblestones, and plenty of sightseeing on foot. Lightweight clothing is best, especially in spring and summer, as Portugal enjoys a warm, sunny climate year-round. A light jacket or jumper is useful for cool evenings, coastal winds, or unexpected weather changes. Carry sun protection items, such as sunscreen, sunglasses, and a hat, especially near beaches. A universal power adaptor is necessary, as Portugal uses European-style two-pin sockets. Carry basic medicines and a small first-aid kit to manage minor health issues during travel. Get a reusable water bottle. It would come in handy while exploring cities and coastal areas. Buy a compact day backpack to carry essentials during sightseeing without feeling bulky.

What safety precautions should one follow when travelling to Portugal?

Here are some safety guidelines you should follow: Always carry a copy of your passport. Keep the original in a secure place to avoid problems if it is lost or stolen. Be aware of pickpockets in crowded areas. Keep your valuables, such as phones and wallets, in front pockets or in a money belt rather than in a backpack. Use reputable taxi companies or rideshare apps late at night. Avoid walking alone in unfamiliar areas. Stay aware of local health guidance and travel with necessary medicines. Respect local laws and customs, including alcohol regulations. Save the contact details of the Indian embassy and other local emergency helpline numbers.

What are some places to explore in Portugal?

When in Portugal, here is a list of places, along with the notable sites that you should explore based on your trip duration. Lisbon: Explore Belém Tower, Jerónimos Monastery, and the historic Alfama. Porto: Walk along Ribeira, cross Dom Luís I Bridge, and visit the wine cellars of Vila Nova de Gaia. Sintra: Visit Pena Palace and the mysterious Quinta da Regaleira. Faro: Use it as a base to explore Ria Formosa Natural Park. Lagos: Enjoy Ponta da Piedade and golden beaches. Coimbra: Visit the University of Coimbra and its grand library. Braga: See Bom Jesus do Monte and its famous staircase. Évora: Explore the Roman Temple of Évora and medieval streets. Aveiro: Ride colourful boats on the canals and relax at Costa Nova beach. Funchal: Discover botanical gardens and enjoy views of the Atlantic Ocean.

Do I need an international driving licence to drive in Portugal?

Yes, as an Indian traveller you normally should get an International Driving Permit (IDP) and carry it alongside your Indian licence to drive legally in Portugal. Many car rental companies also ask for an IDP. Without it, you might face trouble with police checks or rentals.

Can I use an Indian SIM card in Portugal?

Yes, you can use your Indian SIM card in Portugal if you activate international roaming with your provider before you go. But there are downsides: roaming charges for calls, texts and data can be very expensive, and data speeds or allowances may be limited compared with local plans. It is usually cheaper and easier to buy a local prepaid SIM card when you arrive or use a travel eSIM/data eSIM on your phone.

Are Indian medicines allowed in Portugal?

Yes, you can take Indian medicines with you to Portugal for personal use as long as they’re in their original packaging and you carry your doctor’s prescription or a medical note showing what they are and why you need them. Over-the-counter meds are usually fine too. If you are carrying potent pain relief and sedative drugs are subject to restrictions.