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Travel Insurance Requirements for the Portuguese Residence Visa

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Brenda L.
7/4/2024

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9

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Travel insurance for your visa in Portugal

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Moving to Portugal means complying with several requirements to get your visa approved. Whether you are applying for a:

After obtaining your NIF and establishing a Portuguese bank account, the next step involves arranging travel insurance to ensure a secure transition and provide coverage during the period until you become an official Portuguese resident following your AIMA appointment. 🏥

In this guide, you'll find what you must know before hiring travel insurance to make sure everything is right for your visa appointment.

Travel insurance is a main requirement for your Portuguese residency Visa

When considering relocating to Portugal, you should be aware that there is a lot of paperwork involved.

The necessity of getting health insurance is one area that must be addressed. This means compliance with important requirements for your travel insurance. This article provides you with comprehensive coverage. 🚑

Why Travel Insurance is Essential for the Portuguese Residence Visa?

To apply for a visa to come to Portugal, you must have Schengen-compliant medical insurance. 🏥.

This policy, generally known as travel or visa insurance, covers your relocation to Portugal and is valid across the Schengen Area. It covers expenses incurred as a non-Portuguese resident (prior to your AIMA appointment) before you officially register as a Portuguese resident and become eligible for local health services.

Temporary coverage before residency

The local health service (SNS) will not financially cover you while you wait for your official residency status in Portugal.

Travel insurance gives you peace of mind by covering your medical bills throughout this period.

Expatriation support

Travel insurance must cover expatriation. 🛫

You will only become an official Portuguese resident after your AIMA appointment. In the event of an emergency, this insurance assures that you can quickly return to your home country for treatment or to rejoin family members.

This repatriation coverage is critical for non-residents.

A smooth transition into residence

After completing your AIMA appointment and formally registering as a Portuguese resident, you will have access to local health services. Until then, travel insurance provides continual coverage and support.

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When should I hire my travel insurance for my Portuguese visa?

Once you've decided to go to Portugal and are preparing to apply for your visa, do some research and acquire visa insurance created exclusively for Portugal.

When should you make arrangements for visa insurance?

Travel insurance

When applying for a residence visa from a Portuguese Consulate (also known as a 4-month visa) to establish residency before leaving your home country, you must provide proof of insurance.

You must have your policy ready for this appointment, but you can start covering your arrival date in Portugal. Therefore your travel insurance, must be bought after purchasing your ticket to Portugal, but before your Visa appointment.

⚠️ Your insurance start date must be the same as your ticket's arrival date.

Long-term coverage

After entering Portugal on your four-month visa, your travel insurance will activate.

Before attending your AIMA appointment and receiving your residence permit, you must apply for health insurance in Portugal (it's a requirement for your AIMA appointment).

Depending on your situation, you can use the public healthcare system if you have a Portuguese NISS (SNS, Sistema Nacional de Saúde), private Portuguese insurance, or both. 🏥

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Coverage requirements for Travel Insurance for your Residency Visa in Portugal

What should your visa insurance cover?

When applying for a D7 Visa, D8 Visa or any other D-category Visa in Portugal, your visa insurance must match the following requirements ✅:

  • Medical expenses coverage of at least €30,000
  • Coverage within the Schengen Area
  • Explicit acknowledgement of coverage in Portugal
  • The policy should span for at least 4 months
  • Repatriation coverage
  • Emergency evacuation coverage.

What must be considered for my insurance coverage?

Age and pre-existing ailments can affect the cost and availability of your visa insurance. While some insurers may be hesitant to provide coverage to applicants aged 65 and above or those with pre-existing conditions, it is possible to obtain policies that meet your requirements. 😷

It is critical to compare different options and ask potential insurers the correct questions to ensure your policy provides the essential coverage.

Cost Considerations

Keep in mind that the cost of your visa insurance will vary depending on your specific situation. 🧑‍⚕️

If your coverage appears to be too expensive at first, keep in mind that once in Portugal, you can enroll in the public healthcare system, obtain alternative private medical insurance, or even a combination of the two to meet your needs.

Where can I find a reliable insurance coverage?

For those under 39 years old

SafetyWing is your answer! ✅

Our partner is ideal for individuals or families. It has wide coverage, ensuring you are safe no matter what the situation.

Get a quote now

⚠️ If you're having trouble finding a service that covers any specific conditions, such as age, several residents recommend Cigna as a partner that covers the general public.

Understanding the importance of compliance

Understanding the visa insurance requirements for Portugal is critical to a smooth relocation procedure, make sure you are aware of all variables in your policy. ⚕️

Having the appropriate insurance coverage gives you peace of mind and allows you to fully enjoy Portugal and all it has to offer.

Country agreements for travel insurance Residency visa application

If you have any comments on this subject, contact us and we'll publish them to help other iimigrants!

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Final words

Moving to Portugal is an important and exciting move. It is critical to ensure that you have the appropriate travel insurance for your residence visa. 🏥


Securing adequate coverage protects you against unforeseen occurrences, meets legal obligations, and provides peace of mind. Whether you choose your national healthcare system, private insurance, or both, knowing your options and requirements will allow you to enjoy your new life in Portugal.

Frequently asked questions

Does Portugal requires a Travel insurance to enter the country?

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Are credit card insurances valid for travel insurance residence visa in Portugal?

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