Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“At the consulate stage, Portugal’s national visas require insurance with minimum cover of €30,000, valid across the Schengen states for the full stay, covering urgent medical care, urgent hospitalisation, and medical repatriation. Some US visa centres now ask for a full year of validity.”
Official source: Portuguese MFA visa portal (vistos.mne.gov.pt) — Last verified:
The rule in writing
“At the AIMA residence-permit appointment after arrival, travel-grade insurance is no longer enough: applicants show full health insurance valid in Portugal, or registration with the public SNS. Applicants consistently report this second stage catching them out.”
Official source: AIMA appointment guidance as documented by applicants and advisors (not a single government checklist — confirmed case-by-case) — Last verified:
Why a nomad travel policy is not the finish line
Most remote workers arrive holding a nomad-style travel medical policy. That can clear the consulate if it meets the €30,000 Schengen standard — but the residence permit is issued later, at AIMA, and at that stage applicants consistently report travel-grade cover being refused.
The practical answer is cover structured for residence from day one: full medical and hospitalisation cover valid in Portugal, with a certificate that states the amount, territory, dates, and repatriation.
Working remotely, covered locally
International private cover follows you across the Schengen area — useful if your D8 year includes client trips or a border hop — while remaining valid in Portugal, where AIMA expects your cover to live.
Cover is worldwide excluding the United States, and pre-existing conditions are excluded. We say both up front so a quote is worth your time.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.