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Planning a family trip to Portugal? Between the logistics, the excitement, and the snacks (always the snacks), travel insurance might not be top of mind.
But after years of watching travelers navigate Portugal—from peaceful beach days to chaotic airport scenes—I’ve seen firsthand how insurance can turn a stressful moment into a manageable one.
Here’s what I’d recommend if you were a friend heading to Portugal with kids and asking, “Do I really need travel insurance for this trip?”
Why Families Should Consider Travel Insurance for Portugal
Portugal is safe, yes. But traveling with kids adds extra unpredictability.
Here’s what I’ve seen:
- Kids spiking a fever on day 2 of a trip
- Delayed flights leading to missed hotel bookings
- Lost luggage with baby gear inside
- Rental car dings in a beach parking lot
- Stomach bugs after seafood (it happens)
Most of this won’t ruin a trip—if you’re covered.
Is Travel Insurance Required? No. But It’s Smart.
You’re not legally required to have travel insurance to visit Portugal (unless you’re applying for a visa). But if you’re traveling from the US, Canada, or Australia, medical care isn’t free here.
Even for EU citizens with an EHIC or GHIC card, you’re only covered for basic public healthcare. That won’t help if your stroller is lost or your hotel cancels at the last minute.
What Should Travel Insurance Cover for Families?
Look for a plan that includes:
- Emergency medical care (for both adults and children)
- Trip cancellations or delays (very useful with flights)
- Lost or delayed luggage
- Rental car coverage (especially if you’re driving in the Algarve)
- 24/7 support in English
- Coverage per traveler (even infants)
You want to know that if someone needs a doctor, or your trip gets unexpectedly derailed, you won’t be footing a giant bill or scrambling to rearrange everything out of pocket.
The Insurance I Recommend: SafetyWing
For most families, I recommend SafetyWing. It’s flexible, affordable, and designed for travelers—not just expats or adventure backpackers.
Why it works for families:
- You can sign up even after you’ve started your trip
- It covers medical emergencies, delays, and lost baggage
- Their pricing is per traveler—so you only pay for who’s covered
- The sign-up process takes five minutes, and the platform is easy to use
Click here to get a free quote from SafetyWing
When It Really Matters
Family travel is joyful, messy, unpredictable. If you’re planning to:
- Visit multiple cities
- Rent a car
- Bring tech gear or baby equipment
- Book non-refundable stays
- Fly with kids (you know how this goes)
…then yes, travel insurance is one of those things that’s better to have and not need than the other way around.
Final Thought
You’re already planning a meaningful experience—Portugal is one of the best places in Europe for families. Travel insurance might feel like a detail, but it’s the kind that can protect your whole trip.
And if something goes sideways? You’ll be glad you handled it before the flight.
Check SafetyWing’s family-friendly travel insurance here
Have questions about what’s covered or what you might need? I’m happy to help—just reach out.