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Moving? We have overseas insurance for Portugal too.

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Help protect your car and property abroad.

If you're preparing to PCS or deploying to Portugal, we can help cover you and your stuff with overseas insurance main page.

You can customize a policy to fit your needs while you live abroad.

Auto insurance

Stay covered when you’re driving in Portugal. Here’s some of the coverage we offer:

  • Liability and uninsured motorists coverage
  • Medical payments coverage
  • Comprehensive and collision coverage
  • Rental reimbursement‍ ‍ See note 1 and roadside assistance‍ ‍ See note 2
Learn more about auto insurance

Renters insurance

We can help protect your personal belongings while you’re stationed abroad. Here are some of the things we cover:

  • Damage to military gear and uniforms‍ ‍ See note 3
  • Theft and vandalism
  • Smoke, fire and lightning damage
  • Flood and some other types of water damage
Learn more about renters insurance

Valuable Personal Property insurance

Protect your valuables from theft and accidental breaks, losses or spills with no deductible. Here are a few of the things we help cover:

  • Jewelry and smartwatches
  • Cameras
  • Musical instruments
  • Guns and bows
Learn more about valuable property insurance

Cover more with Personal Property Plus.

This policy offers protection beyond what a renters policy covers.

Plus, there's no deductible. It can help protect your:

  • Sports equipment.
  • Bikes and e-bikes.
  • Stuff you have with you while deployed (Deployment page).

For more details, call us.

From within the U.S.: 800-531-8722

Or, our European landline: 00-800-531-81110

Get covered before you move in 3 easy steps.

Steps to complete Get covered before you move in 3 easy steps.

  1. Find out what you need

    Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.

  2. Get a quote

    If your move is more than 30 days away, you can get a quote online whether you already have a policy with us or not.

  3. Get covered

    If your move is less than 30 days away, call us to start your coverage and help protect your stuff during shipment.

Need to transfer an existing USAA policy?

We can get you a policy that helps protect you in Portugal. We’ll make sure you don’t lose your coverage when you need it most.

Call the policy service number for your location to get started.

View contact info (USAA contact us page)

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Resources to help you plan your move to Portugal

Moving checklist

Answer a few quick questions to help simplify what you need to do.

Get started with the moving checklist

PCS resource center

Understand all your options to help make your move easier.

Explore PCS resources

PCS budgeting tips

Learn how to avoid common money mistakes and save more.

Get budgeting tips

Our coverage can go with you if you visit the states.

Renters coverage goes worldwide.‍ ‍ See note 4

You don’t lose your renters coverage when you travel. If you’re visiting friends or family back home, we cover the things you take with you.

A UST policy adds affordable driving coverage.

You can add a U.S. Touring, or UST, policy to help provide liability coverage if you rent or borrow a car in the U.S.

Portugal overseas insurance FAQ

License plates and registration

There are no military license plates in Portugal. All plates are civilian with 2 types of registration:

  • Diplomatic or consulate registration — available from a U.S. Embassy or U.S. Consulate
  • Local civilian registration — available from a local registration office

Diplomatic registration is for imported vehicles or new vehicles purchased locally. The embassy requires an international motor insurance card to register. They also provide the license plate.

Civilian registration is for vehicles purchased locally that are already in the local registration system. The local license plate stays on the vehicle and transfers to the new owner.

Report your license plate number on usaa.com, our mobile app or call us as soon as you have it. Failure to do so could result in a fine and seizure of your vehicle.

Proof of insurance

We’ll email you an international motor insurance card, or green card, to use to register your vehicle for the first time.

After you register the vehicle and send us the license plate number, we’ll email you proof of insurance.

You’re required to always display proof of insurance in the vehicle.

Yes. Taxes are charged on all auto insurance policies.

Refer to your declarations documents for details.

Your auto coverage

If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to contact us (USAA contact us page).

If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.

Your renters coverage

Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses along the way.

When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, contact us (USAA contact us page).

Before you drive

  • Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the European Accident Statement (PDF of European accident statement) Opens in a New Window.
  • Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.
  • Keep a copy of your green card handy as proof of insurance.

At the scene of the accident

  • Dial 112 for emergency service in Europe. You may need to contact the police if there are injuries, you're in a hit-and-run, or the other party is uncooperative and at fault.
  • Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
  • Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver’s name, driver’s license number, address and phone number. Also get the name of their insurance carrier, policy number and vehicle registration.
  • Use a translation app to help communicate in the local language.
  • In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and report it at the nearest police station.

Filing a claim after an accident

You can file a claim on the USAA Mobile App main page. Or you can file online (USAA claims main page). As soon as possible, contact a USAA claims representative (USAA contact us page).

Related footnotes:

  1. Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

  2. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  3. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  4. Availability of renters insurance to residents of another country is limited to qualified members.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company and USAA General Indemnity Company which are domiciled in Texas and are licensed in all 50 United States and D.C.; Guam, Puerto Rico, and/or the Virgin Islands; USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application), authorized by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority to write coverage in the United Kingdom. USAA S.A. UK Branch Registration Number: England BRO23811, also registered with the Republic of Ireland’s Companies Registration Office; or USAA EU DAC, authorized and supervised by the Central Bank of Ireland to write insurance under the Freedom of Services Directive in Azores, Belgium, France, Germany, Greece, Italy, Netherlands, Portugal and Spain. USAA EU DAC Companies Registration Office Number: B-224622. Not all products are available to all applicants in all locations. Product availability may vary in some foreign locations due to local laws and restrictions.

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