# What Are the Best Insurance Providers in Portugal? (2026) > Ranking of the top insurance providers and products in Portugal: health, car, home, dental, pet, and travel. By Jules de Bruin · URL: https://www.how-to-portugal.com/insurance/providers Updated August 2026. The Portuguese market is led by groups such as **Fidelidade**, **Médis**, and **Multicare**. For private health insurance, entry prices start at **EUR 8.00/month** (AdvanceCare). The **SNS** is free for legal residents. Other lines, such as motor, home, and pet, only quote by simulation. ## What are the best insurance providers in Portugal? The picks below combine the highest editorial ratings in the catalogue with practical usefulness for expats and residents. Multicare ### Multicare Health Insurance 4.4Best tested price in the base segment. - Cheapest tested base price - Broad Fidelidade network - 180-day waiting period [Get Multicare](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis)All packages(1) - Multicare Seguro de Saúde (Portugal)EUR 28.53/monthCover set per policy / premium Prices as of August 2026, verify on the provider site. Base plan with hospitalisation up to EUR 25,000 and an oral health network included. - EUR 156.72/year at age 40 - Hospitalisation up to EUR 25,000 - Free online medicine Best for Anyone wanting the best tested price for health insurance Médis ### Médis Health Insurance 4.3Largest private network in the country. - Largest private network - Childbirth cover in mid-tier plans - Premium rises with age [Get Médis](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis)All packages(1) - Médis Seguro de Saúde (Portugal)EUR 17.27/monthCover set per policy / premium Prices as of August 2026, verify on the provider site. Market reference with the largest private provider network. - EUR 207.19/year at age 40 - Largest private network - Online doctor and second opinion Best for Those who want the largest private network Generali Tranquilidade ### AdvanceCare Health Insurance 4.2Low entry price. - Low entry price - Large network - Base plan only covers **EUR 15,000** [Get AdvanceCare](https://www.generalitranquilidade.pt/particulares/seguros/saude/saude-individual)All packages(1) - Seguro de Saúde Individual AdvanceCare (Tranquilidade, Portugal)EUR 8.00/monthCover set per policy / premium Prices as of August 2026, verify on the provider site. Base plan with EUR 15,000 hospital cover and digital reimbursement in 72 working hours. - From EUR 8/month - Reimbursement in 72 working hours - Home and online doctor Best for Anyone wanting a cheap entry point Multicare ### Multicare Dental 4.2Fixed price of EUR 102/year for one person. - Fixed price - Immediate use - Multicare network only [Get Multicare Dental](https://multicare.pt/proteger/saude-oral/multicare-dental)All packages(1) - Multicare Dental (Portugal)EUR 102.00/yearCover set per policy / premium Prices as of August 2026, verify on the provider site. Dental plan with a fixed price, no waiting period and no age limit. - EUR 102/year for 1 person - No waiting period - No health questionnaire Best for Those wanting a fixed price for dental care Fidelidade ### Fidelidade Car Insurance Essential 4.1Largest insurer in the market with assistance included. - Largest garage network - Market leader stability - Premium only via quote [Get a Fidelidade quote](https://www.fidelidade.pt/PT/empresas/Auto/Documents/Essencial_Autom%C3%B3vel.pdf)All packages(1) - Fidelidade Seguro Automóvel Essencial (Portugal)Quote requiredCover EUR 6,000,000.00 / premium · No public premium table; quoted by simulation. The Essencial cover table runs third-party liability up to EUR 6,000,000 (capped at EUR 5M bodily injury and EUR 1M property damage per accident), with level 1 travel assistance and level 1 legal protection included. Prices as of August 2026, verify on the provider site. Essential plan includes liability, travel assistance, and legal protection. - Liability up to EUR 6,000,000 - Travel assistance included - Legal protection included Best for Drivers who value a garage network Fidelidade ### Fidelidade Home Bundle 4.0Market leader in home insurance with personal liability included. - Complete bundle - Market leader - Premium only via quote [Get a home bundle quote](https://blog.sabseg.com/seguro-multirriscos-habitacao-vs-seguro-de-incendio/)All packages(1) - Fidelidade Multirriscos Habitação (Portugal)Quote requiredCover set per policy / premium · No public premium table; simulated per property and sum insured. Market reference: a rented two-bedroom flat with EUR 20,000 of contents usually lands between EUR 60 and 120 a year, but only a simulation confirms it. Prices as of August 2026, verify on the provider site. Covers contents, fire, personal liability, and 24-hour home assistance. - Personal liability included - 24-hour home assistance - Covers tenant's contents Best for Tenants and owners ARAG ### ARAG Legal Protection 3.7Legal protection specialist. - Specialist - Several cap levels - Price by quote [Request ARAG quote](https://c1brokers.pt/arag-seguros-portugal/)All packages(1) - ARAG Proteção Jurídica (Portugal)Quote requiredCover set per policy / premium · No public premium table in Portugal; quoted through a broker. Products for individuals, families, drivers and businesses. Prices as of August 2026, verify on the provider site. Covers lawyer and court costs in civil, administrative, and labour cases. - Individual and family cover - Criminal defence - Employment law Best for Individuals and businesses MAPFRE ### MAPFRE Pet Insurance 4.0Vet cover and liability in one policy. - Health and liability bundle - MAPFRE network - Price not published [Request MAPFRE quote](https://www.mapfre.pt/particulares/seguros-animais-domesticos/animais/)All packages(1) - MAPFRE Pet Insurance (Portugal)Quote requiredCover EUR 50,000.00 / premium · No public premium table; simulated per animal, breed and tier (liability / Cuidado Essencial / Extra / Total). One animal per policy. Prices as of August 2026, verify on the provider site. Covers consultations, tests, surgery, and third-party liability. - Veterinary cover - Liability cover included - Travel assistance Best for Dog and cat owners SafetyWing Insurance I.I. ### SafetyWing Nomad Insurance 4.1Buy online without a Portuguese address. - Flexible - No Portuguese address needed - Excludes pre-existing conditions [Get SafetyWing](https://safetywing.com/nomad-insurance)All packages(1) - SafetyWing Nomad Insurance Essential (accepted for Portuguese visas)EUR 55.00/monthCover set per policy / premium Prices as of August 2026, verify on the provider site. Covers more than EUR 30,000 in medical expenses, billed in 4-week periods. - About USD 62.72/4 weeks up to age 39 - No commitment - Policy in English Best for Digital nomads and long stays ## How to compare insurers in Portugal? - Request quotes with the same caps and covers. - Check waiting periods and pre-existing condition exclusions. - Confirm whether the contracted network has providers in your area. - Read cancellation terms and the second-year premium. ## Related Guides [### Insurance in Portugal Overview.](/insurance)[### Insurance price research Price bands.](/insurance/price-research)[### Health insurance SNS and private.](/insurance/health-insurance) ## Frequently Asked Questions ### Who is the largest insurer in Portugal? Fidelidade is the largest Portuguese insurer by premiums, with a strong presence in health, motor, and home. Médis and Multicare are references in private health insurance. ### Where can I compare insurance prices in Portugal? You can simulate directly on insurer websites, use comparators such as Comparaja, or check our price research guide. --- Source: https://www.how-to-portugal.com/insurance/providers Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.