does travel insurance cover spain

A complete guide to Spain travel insurance (2024)

When planning your trip to Spain travel insurance is one of the things that you should take into consideration.

Booking travel always carries some degree of uncertainty. In this sense, a travel insurance policy is designed to cover certain financial risks that you don’t want to bear on your own.

Considering travel insurance for your trip? World Nomads offers coverage for more than 150 adventure activities as well as emergency medical, lost luggage, trip cancellation and more.

Table of Contents

What is Spain travel insurance?

Travel insurance helps protect you from certain kinds of unexpected events that can occur before or during your trip to Spain.

Unlike auto insurance, travel insurance is elective, which means it’s up to you to decide if you want it .

Do you need a travel insurance when traveling to Spain?

As I said before, travel insurance is not mandatory when embarking on a trip. So the decision is all yours.

Here are the steps that you should follow to determine whether or not you should get a Spain travel insurance:

• The first step is understanding where you need coverage and where you don’t. For example, some major credit cards offer some medical and baggage insurance.
• The next criteria to consider should be the cost and length of the trip, your itinerary and your health.
• The final step is searching for a provider and policy that offers the type of insurance you need, based on key variables such as trip price, destination and itinerary, along with pre-existing medical conditions.

What does travel insurance cover?

If you’ve never purchased travel insurance before or you’re not sure what travel insurance is, here’s a quick overview of what a travel insurance plan could cover:

• Medical costs. Your plan could cover for unexpected injuries, accidents, hospital visits, emergencies, and evacuations.
• Property loss , such as theft, damaged or lost baggage, and its contents while you’re traveling.
• Travel issues , including any trip cancellations, accommodation issues, and transportation expenses.

A typical travel insurance provides 24/7 assistance to help you.

World Nomads travel insurance has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more.

However, different providers offer different plans with a mix of these coverages and more, so be sure to educate yourself about all the options before choosing one.

Medical costs

A Spain travel insurance that includes medical costs is a temporary medical insurance that covers you on your trip.

It may pay expenses such as:

• Emergency transportation to a hospital.
• Doctor’s bills.
• Medications.
• Hospital and operating room costs.
• X-rays, treatments, test, and anesthesia.
• Emergency evacuation.

Property loss

Most comprehensive travel insurance plans include coverage for baggage loss and baggage delay if your bag is not permanently lost or damaged.

Let’s see the difference between both coverages.

1. Baggage loss coverage

It usually provides reimbursement for luggage and covered personal items that are lost or stolen while you’re traveling.

Baggage and personal effects coverage is typically secondary coverage, which means that it will act to supplement any reimbursements offered by a common carrier (such as an airline that loses your bags) or by your homeowner’s insurance.

2. Baggage delay coverage

It generally allows you to purchase essential items you need for your personal comfort while you’re waiting for your bags to arrive. As with baggage loss coverage, it is secondary coverage to any benefits your airline or common carrier may provide to you.

Baggage delay coverage generally becomes active after your belongings have been delayed for a specified period of time. Depending on the policy, it will usually be either 12 or 24 hours. Until that period of time has passed, you may not be eligible for reimbursement.

Another important consideration is that baggage delay coverage is typically only available on the outbound part of the trip.

Travel issues

The coverage that most people are aware of is trip cancellation, which provides reimbursement for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellations due to adverse weather and more.

Similarly, with coverage for trip interruption you can get a refund of your trip costs if you can’t continue your trip due to a covered event. Moreover, certain plans provide reimbursement for additional transportation costs to return home or rejoin your group.

Travel insurance may also include travel delay.

Who are World Nomads?

Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers.

They offer simple and flexible travel insurance and safety advice to help you travel.

Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.

And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights and recommendations from their global community.

Being an Australian company, I got to know World Nomads while I was living in Melbourne in 2007. I had the chance of spending a full year exploring the country.

How does travel insurance work?

The process for filing a travel insurance claim is similar to car or home insurance. If you get in a car accident or have a water leak in your bathroom, you file a claim.

In similar fashion, if something happens during your trip and you need to use your travel insurance, you’ll need to file a claim to be reimbursed.

The claim filing process usually looks like this:

• You file a claim via phone, online form, or app.
• You submit requested documentation and proof of loss.
• Your travel insurance company reviews your claim.
• Your claim is approved and paid or denied.

Travel insurance, like other forms of insurance, kicks in when you file a claim (online, app, or phone) under your current policy.

You’ll need to submit some form of proof of your loss or reason for cancellation. Your travel insurance provider will let you know exactly what type of proof and documentation is needed.

Once the claim is submitted, your insurance provider will start working on your claim and gathering any additional needed info.

Finally, as soon as the paperwork is reviewed and accepted, your claim is approved and paid or denied.

Disclaimer: I receive a fee when you get a quote from World Nomads using this link. I do not represent World Nomads . This is not a recommendation to buy travel insurance.

Travel Insurance for Spain

Whether you're dancing to the rhythm of castanets in Seville, savoring the world's finest paella, or trying to keep up with speedy siestas, Spain promises unforgettable experiences for all travelers. However, before you shout "Olé!" and begin your tapas-filled journey to this European gem, let's talk about your crucial companion: travel insurance . In this guide, we'll tell you everything you need to know about travel insurance for Spain, ensuring you can dive into the world of fiestas without breaking a sweat over the bumps in the road!

• What should your Travel insurance cover for a trip to Spain? 

How does Travel Insurance for Spain work?

• Do I need Travel Insurance for Spain? 
• How much does Travel Insurance cost for Spain? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Spain?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to spain.

At a minimum, your travel insurance to Spain should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Spain.

Let's imagine you're in the heart of Valencia, indulging in paella and exploring the lively Mercado Central. What started as a gastronomic adventure takes an unexpected turn when you fall victim to food poisoning. In this unfortunate scenario, the "Emergency Medical" benefit of AXA Travel Protection becomes your lifeline. A travel protection plan steps in to assist and support you, ensuring you receive the necessary medical care. From hospital stays to prescribed medications, travel insurance support allows you to focus on recovering rather than worrying about the mounting bills. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Spain?

If you're applying for a Schengen Visa to visit Spain, having travel insurance is mandatory. However, we still recommend that travelers who are not required to secure a Schengen visa consider travel insurance. Medical expenses can be quite high for international visitors, and having insurance becomes even more crucial as you'll be responsible for covering prescription costs. Why? There are several reasons:

Medical Emergencies: A visit to Spain may pose unexpected health challenges. Access to quality medical care is essential in case of illnesses or accidents. Travel insurance ensures that you can receive necessary medical attention without worrying about the financial burden.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Missed Connections: Spain's busy airports and transit hubs may lead to missed connections, especially if there are delays or cancellations. Travel insurance may cover expenses like rebooking fees and accommodations if you miss a connecting flight.

How much does Travel Insurance cost for Spain?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Spain will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Spain hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Spain’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Spain's stunning landscapes in a rental car. Additionally, the "Loss Golf Days" benefit could be particularly beneficial for travelers heading to Spain, especially if they plan to indulge in golfing activities during their trip. This optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you are unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

Are there any COVID-19 estrictions for Travelers to Spain?

While it's advisable for international travelers to be fully vaccinated, there is no requirement to provide proof of vaccination. Currently, travel regulations have returned to standard protocols for most visitors.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Spain?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Spain?

Travel insurance is not mandatory for U.S. citizens visiting Spain, but it is strongly recommended.

4. What is needed to visit Spain from the USA?

U.S. citizens can visit Spain for tourism or business for a maximum of 90 days without needing a visa. Just make sure your passport remains valid for at least three months beyond your intended stay. Additionally, you will need proof of funds and a return airline ticket.

5. What happens if a tourist gets sick in Spain?

If you become sick in Spain, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Top Travel Insurances for Spain You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Spain is one of the most visited countries on the globe, and for good reason! It's famous for its incredible history, vibrant culture, tasty cuisine, and renowned landmarks such as the Alhambra, Sagrada Familia, and Park Guell. Although travelling to Spain can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Spain and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Spain Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Spain:

Best Travel Insurances for Spain

• 01. Should I get travel insurance for Spain? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Spain scroll down

Heading to Spain soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Spain?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Spain. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Spain or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Spain:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Spain. It lets you choose between various plans tailored to meet the specific needs of your trip to Spain, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Spain:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Spain? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Spain

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Key takeaways

Do I need travel insurance for Spain?

Our top picks for the best spain travel insurance, how much is travel insurance for spain, what does spain travel insurance cover, what is not covered, tips for choosing the best spain travel insurance, spain travel information & requirements, tips for traveling to spain from the us, faqs - travel insurance spain.

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Best Spain Travel Insurance: Top Plans & Cost

• Most U.S. health insurance, including Medicare, is not accepted in Spain. Therefore, we recommend opting for medical travel insurance for Spain .
• Spain also has some lesser-known risks such as extremely hot Summers, pickpockets, and a heightened threat of terrorist activity.
• In all of these scenarios, a comprehensive travel insurance policy can protect you, your property, and your finances from harm while traveling.
• Based on our research, the best Spain travel insurance policies come from Tin Leg, Generali Global Assistance, Trawick International, AXA Assistance USA, and Travel Insured International ( skip ahead to view these plans ).
• To help you find the best travel insurance for Spain, we recommend using an online comparison tool to see plans and prices from multiple providers at once.

Our top picks for the best spain travel insurance

• Tin Leg: Best for Medical Coverage
• Generali Global Assistance: Best for Basic Coverage
• Trawick International: Best for Medical Evacuation Coverage
• AXA Assistance USA: Best for Trip Cancellation Coverage
• Travel Insured International: Best for Non-Medical Evacuation Coverage

Generali Global Assistance

Trawick international.

American citizens are not legally required to have travel insurance for Spain as long as the trip is under 90 days. However, The US Embassy in Madrid highly recommends buying travel insurance when visiting Spain as most traditional US health insurance isn’t accepted at Spanish hospitals.

Reasons why you may need travel insurance for Spain:

Spain won’t accept most U.S. healthcare plans

Most U.S. private health insurance plans and government health plans like Medicaid and Medicare will not work in Spain. This means that if you become sick or injured during your Spanish vacation, you’ll be responsible for paying out-of-pocket for the resulting medical bills. Spain’s free healthcare system is only available for long-term residents and citizens of Spain.

According to the American Embassy in Spain: ”[Spanish] hospitals and health care providers will expect payment if you are not covered by the Spanish or the Andorran public health care system.”

LA Times Compare staff members located in Spain confirmed that Spanish hospitals have also been known to refuse entry if you cannot show proof of a health insurance plan that will cover the costs of your treatment upon arrival.

Comprehensive travel insurance can cover you in case you need treatment while abroad and can even cover medical evacuations to repatriate you back home.

Risk of pickpockets

The U.S. government notes that pickpocketing and petty theft is very common in Spain. Unlike violent robberies, pickpocketing usually happens without you knowing you have been robbed. This type of occurrence frequently happens in touristy areas like La Puerta del Sol in Madrid and La Rambla in Barcelona. In fact, this happens so frequently for tourists visiting Madrid that an entire police unit known as the SATE (Servicio de Atención al Turista Extranjero) is dedicated to filing petty robbery police reports for Tourists.

Travel insurance can reimburse you for any stolen, lost, or damaged personal items.

Risk of heat-related illness

Most people don’t realize how hot Spain can get in the Summer months. Spain is a sunny and predominantly dry country, and over the past few years has been getting increasingly hotter. This has even led to parts of Spain introducing a heat wave naming system , similar to the way hurricanes are named. Temperatures in parts of Spain can reach upwards of 111 degrees in Summer. This, combined with the dense, historic stone architecture of Spanish cities that radiates this heat can put travelers at risk of heat exhaustion and heat stroke. Having backup medical care via travel insurance is never a bad idea.

Medical travel insurance will cover you for a range of medical treatments or medicines you require during your trip.

Risk of terrorism

Like many European nations, the risk of terrorism is a concern for both locals and tourists visiting Spain in recent years. Travel.state.gov mentions that terrorist groups continue to plot possible attacks in Spain. While these attacks are rare, one attack in Barcelona in 2017 killed 13 people and injured 130 others. Therefore, it’s best to consider and prepare for the worst.

Apart from covering medical care if you are injured while traveling, travel insurance often allows reimbursements for trip cancellations or interruptions as a result of terrorist threats or attacks at your travel destination.

Best for Medical Coverage

Why we like it.

Editor's take

Tin Leg is known for offering high-quality travel insurance coverage at a competitive and reasonable price.

All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We like the Tin Leg Gold plan because it offers great medical and evacuation coverage limits at an affordable price.

This plan comes automatically with trip cancellation and interruption coverage for coronavirus and other covered instances, as well as up to $500,000 in emergency medical expense protection and up to $500,000 in coverage for emergency medical evacuation, just in case something were to happen while on your Spain trip.

You may also qualify for travel delay protection, baggage insurance, and insurance that protects against missed connections on your way to Spain.

Read our full review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best for Basic Coverage

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and more for your trip to Spain.

This travel insurance provider has an A rating from AM Best and offers three tiers of travel insurance coverage to suit your needs:

• Standard plan
• Preferred plan
• Premium plan

If you’re looking for basic coverage at an affordable price point, the Standard plan may be just what you need. This plan offers coverage for up to 100% of the insured trip cost for cancellation and up to 125% of the insured trip cost for interruption. It also offers $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Medical Evacuation Coverage

Trawick International is another highly-rated travel insurance company that offers plans geared to those who want an international health plan. This company offers both premium coverage and budget-friendly travel insurance plans.

The Safe Travels Voyager plan is one of the company’s most well-rated plans due to its high coverage limits. With $1 million in medical evacuation coverage and $250,000 in primary medical coverage, as well as $3,000 in travel delay coverage, this plan can help give you peace of mind while on your trip to Spain.

• Excellent medical coverage limits
• Up to $2,500 baggage coverage included
• Covers quarantine accommodation expenses
• Baggage delay coverage only kicks in after 8 hours
• CFAR only covers 75% of the insured trip cost

Best for Trip Cancellation Coverage

Axa assistance usa.

Since AXA Assistance USA offers three coverage levels, you can tailor your policy for Spain to suit your needs and budget.

AXA Assistance USA has an A rating from AM Best. It offers a range of travel insurance plans geared to different types of trips. The three coverage levels offered are:

We like the Platinum plan from AXA Assistance USA because it includes trip cancellation coverage worth up to 100% of non-refundable travel expenses and $1,250 in travel delay coverage. It also offers $1 million in medical evacuation protection, $250,000 in insurance for medical expenses, $100,000 in coverage for non-medical emergency evacuation, and more.

• High coverage limits in every category. Extremely comprehensive
• Includes identity theft coverage & non-medical evacuation coverage
• CFAR coverage reimburses 75% of prepaid travel expenses
• Coverage cannot be extended unlike other plans
• Medical limit is lower than other cheaper plans, but still sufficient

Best for Non-Medical Evacuation Coverage

Travel insured international.

Travel Insured International offers two plans, Worldwide Trip Protector Edge and Worldwide Trip Protector. Of these two, we recommend the Worldwide Trip Protector plan due to its superior coverage.

Worldwide Trip Protector covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, as well as $1,500 for trip delays and $500 for baggage delays after only 3 hours. It also includes $100,000 worth of medical coverage, $1 million worth of evacuation coverage, and $150,000 worth of non-medical evacuation coverage.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

According to sales data from Squaremouth, Spain travel insurance policies cost between $200 and $250 per week on average.

Based on our official sales figures over the past year, our customers’ average travel insurance cost is £217.17.

That said, the cost of travel insurance can vary widely based on factors like the age of travelers, the size of the traveling group, and the total trip cost.

By identifying what coverage you actually need you can find avoid expensive travel insurance . The length of the trip can also play a role in the cost of travel insurance.

Here are some example quotes from six different providers covering a seven-night trip to Spain for two 40-year-olds in September of 2024 that cost them $5,000.

While this example can give you a ballpark idea of how much comprehensive travel insurance for Spain could cost, it’s important to note that the actual cost you will pay will depend heavily on your individual trip details.

You can use our comparison tool below to see exact prices tailored for your trip details.

When you begin shopping for travel insurance for trips to Spain, you’ll quickly discover that insurance plans vary widely, as do their costs.

You’ll also notice you can purchase single-trip, multi-trip or annual travel insurance to protect your trips to Spain and other countries you plan to visit while overseas.

To protect yourself as much as possible, you should strive to buy a travel insurance policy that is as inclusive as possible with ample policy limits.

Make sure to look for the following types of coverage as you compare travel insurance plans.

Travel medical insurance

Medical evacuation insurance, trip cancellation insurance, trip interruption insurance, trip delay insurance, baggage insurance.

We’ll break down these types of insurance and what they are below.

While Spanish residents with citizenship enjoy universal public healthcare, tourists visiting from the United States and elsewhere do not qualify for the same benefits. You’ll get treatment if you become sick or injured during your trip, but you’ll be on the hook for the bills that result. With that in mind, travel health insurance is easily the most important type of coverage you’ll want to have for travel to Spain.

Ideally, you’ll purchase a policy that has at least $50,000 in coverage for emergency medical expenses per traveler. This type of protection can pay for medical bills that arise if you come down with COVID-19 during your trip, you break an ankle while walking on cobblestone streets or you experience a cardiac event. In that case, you may also consider a COVID-19 travel insurance .

Medical evacuation insurance , or medevac, can help pay for emergency evacuation and transportation when you become sick or injured while traveling.

If you’re on the side of a mountain in a remote area of Spain and you break a limb, for example, medevac coverage could pay for an ambulance or helicopter ride to the local hospital.

The American Embassy of Madrid’s website mentions the the following about emergency medical evacuations from Spain:

“There are no U.S. government funds available to pay for medical treatment or medical evacuations, and U.S. nationality does not entitle a person to a military medical evacuation free of charge. Medical evacuations can in fact cost up to $100,000 and the cost is born by the ill or injured person, the family and or the medical insurance company.”

Emergency evacuation and transportation coverage can also pay for a medically supervised flight back to your home country if a supervising physician recommends it.

Trip cancellation insurance can reimburse you for non-refundable, pre-paid travel expenses when your trip must be canceled for a covered reason beyond your control. This type of coverage can come into play if you’re called to jury duty over your travel dates, or if one of your travel companions becomes gravely ill or passes away before you leave for Spain.

Some policies also offer cancel for any reason (CFAR) travel insurance as an optional add-on. This type of insurance lets you cancel your trip for any reason at all, at which point you’ll get 50% to 75% of prepaid travel expenses back depending on the plan.

Trip interruption insurance can reimburse you for prepaid travel expenses when your trip must be interrupted after it has already started. Examples of when this coverage kicks in include instances where a travel companion gets sick after a trip is underway or a natural disaster makes a stop on your itinerary uninhabitable.

When trip interruption coverage applies, it can reimburse for nonrefundable travel expenses you didn’t get to use as well as transportation costs to get home.

Trip delay insurance can help pay for unplanned expenses that occur when your trip is delayed, including meals you have to pay for or overnight hotel stays. Most trip delay coverage won’t apply until your trip has been delayed for at least six or 12 hours, and daily and maximum limits typically apply.

If your bags are delayed at your destination and you wind up having to pay for toiletries, clothing, electronics chargers or other required items, baggage delay coverage can reimburse you for these out-of-pocket expenses. That said, baggage delay coverage typically only applies after bags are delayed for at least six or 12 hours , and daily and maximum limits apply.

If your bags are lost or stolen while on their way to Spain, or even after you get there, you may be entitled to compensation from your travel insurance provider. Coverage for lost luggage typically comes with a maximum limit per traveler and trip, and separate limits for high-value items like electronics and jewelry can apply.

Most travel insurance policies come with a standard list of exclusions, although these can vary widely among travel insurance companies.

Here’s a rundown of what may not be covered by Spain travel insurance:

• Participation in extreme sports: If you plan to take part in extreme sports like base jumping or rock climbing during your Spanish vacation, you’ll want to make sure your travel insurance plan doesn’t explicitly prohibit these activities. Also consider buying a policy from insurance companies that cover adventure sports, such as World Nomads .
• Pre-existing medical conditions: Most pre-existing conditions are not covered by travel insurance unless a policy comes with a pre-existing conditions waiver. Note that qualifying for a pre-existing conditions waiver typically requires you to purchase travel insurance within 14 or 15 days of making an initial trip deposit.
• Pregnancy-related care, including normal delivery: Emergency care for traveling while pregnant can be covered by a travel insurance policy overseas, but regular wellness care and normal delivery will not be.
• Non-emergency treatment that can wait until you return home: Only emergency medical care is covered by travel insurance, and all other procedures will have to wait until you get home.
• Travel restrictions imposed by government authorities: If a government authority says a specific destination should not be visited, it’s unlikely travel insurance provides coverage in that area.

It’s also worth noting that some travel insurance companies exclude Spain and some other countries in Europe due to the increased risk of injury among past travelers. This means you can buy travel insurance for trips to Spain, but you may have fewer companies to choose from.

Whether you’re planning your trip far ahead or you’re hoping to book a last-minute trip to Spain, several moves can help you secure the best travel insurance coverage for your needs.

We recommend you consider the following tips as you browse and compare plans.

Get adequate coverage for medical expenses.

While the Spanish healthcare system is exceptional, not having travel insurance means you’ll be on the hook financially for the medical care you receive. Your best bet is lining up travel insurance with at least $50,000 in travel medical coverage for everyone in your traveling party.

Compare multiple providers and policies.

Compare international travel insurance policies from at least three or four different providers, and make sure to compare not only cost but the coverages and policy limits they offer. Fortunately, all the best travel insurance companies make it easy to get a free quote online.

Decide if you want the option to cancel.

If you believe your Spanish vacation may need to be canceled, consider investing in cancel for any reason (CFAR) coverage that lets you get part of your prepaid travel expenses back no matter what.

Think about extra coverages you might need.

Make sure you have coverage for items specific to you and your traveling party, including protection for pre-existing conditions or adventure sports you plan to take part in.

Do I need a visa or passport to visit Spain?

Yes, American citizens need a passport to visit Spain. However, Americans don’t need a tourist visa to visit Spain unless they plan to stay in Spain or other countries in the Schengen area for longer than 90 days .

If you’re planning out your trip to Spain from USA for 2025, you should also be on the lookout for a new upcoming requirement. Starting mid-2025, visitors to Spain will be required to apply for a European Travel Information and Authorization System (ETIAS) application and pay an $8 entry fee to vacation in Spain or other European countries that are co-signers of the Schengen Agreement.

Until then, the U.S. Government outlines that the only other requirement is that your passport must have a **minimum of three months of validity remaining after your planned date of departure from Spain or elsewhere in the Schengen area, although Spain recommends having at least six months. Spain also requires a blank page in your passport for a passport stamp.

Is Spain in the Schengen area?

Spain is located in the Schengen area along with 27 other countries in Europe that have made it increasingly easy to travel between them.

Thanks to this agreement, you can hop a flight or train from Spain and to other Schengen countries without having to pass through border security or show your passport in many cases. This makes it easy to plan a full-fledged European vacation that includes time in Spain as well as other Schengen countries, such as France , or Italy.

Keep in mind, if you plant to stay longer than 90 days, you must apply for a Schengen travel visa , and travel insurance is part of the requirements for applying for this visa.

Is it safe to travel to Spain?

In general, Spain is quite safe. That said, according to the U.S. Department of State , you should exercise increased caution during trips to Spain due to threats of “terrorism and civil unrest.” However, the country of Spain is very safe overall, and you are unlikely to encounter any issues other than basic instances of theft or pickpocketing.

Travel insurance for the Canary Islands

Although situated over 800 miles south of the Spanish mainland, the islands of Tenerife, Gran Canaria, Lanzarote, Fuerteventura, La Palma, La Gomera, and El Hierro are all considered part of Spain. This inclusion also grants them Schengen status. Travel insurance for Spain can be used to cover your vacation in the Canary Islands.

Spanish restaurants: Meal times in Spain have a unique rhythm that can often catch unaware travelers off guard. A first breakfast, known locally as ‘desayuno’, usually takes place before 9 am and is regularly eaten at home. A second breakfast, ‘almuerzo’, is eaten around mid-morning and when local cafes are open. Lunchtime, ‘comida’, is taken around 2 to 4 pm, after which many restaurants and cafes may close. An early evening meal, known as ‘merienda’ is often eaten from 5 to 7 pm and a late dinner, ‘cena’, is eaten between 8.30 and 10.30 pm.  

Opening hours: Along with the unusual Spanish meal times, general opening hours may differ from what you are used to back home during the summer months. Stores and restaurants are usually continually open from 10 am to 9 pm but during the summer, they may close between 2 and 5 pm.

Transportation: Spain has a strongly integrated transportation system consisting of major airports, bus charters, and one of the largest and most modern railway networks in Europe. Major cities such as Madrid, Barcelona, and Bilbao also have their own integrated metro systems. All of this enables you to travel quickly and efficiently across Spain and the Iberian peninsula as a whole.

Spain does not require travelers to have travel insurance, but that doesn’t mean you shouldn’t get it. Private health insurance that works in the United States will not apply overseas. This means you’ll want to have travel medical coverage, as well as protection for emergency evacuation, trip delays, lost or delayed bags and other travel mishaps that can occur.

How much does Spain travel insurance cost?

Based on our estimates, travel insurance for a seven-night trip to Spain with a total trip cost of $5,000 may cost between $230 and $326 depending on the plan.

Is Spanish healthcare free for tourists?

The Spanish healthcare system offers free public healthcare for citizens, but tourists do not qualify for this benefit.

Does US medical insurance work in Spain?

Private health insurance purchased in the United States does not apply in Spain or elsewhere in Europe.

Do some travel insurance companies exclude coverage for Spain?

Some travel insurance companies don’t offer coverage in Spain and several other countries due to the increased risk of injury and higher claims in these areas overall.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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• Travel to Spain Safety

Need travel insurance for Spain? Best Unbiased Options

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There are plenty of countries around the world that don’t need a visa Schengen to enter Spain. If you are from a country that doesn’t require a Schengen Visa to enter Spain, know that travel insurance to the country is optional.

Nevertheless, if you are traveling outside of your home country, getting travel insurance in case of an emergency is advisable.

In this article, I will go through the requirements that a Schengen visa should follow and why it is important, and then I will describe and compare a list of the most recommended insurance out there.

Note that I try to do so with more international companies. We have readers from all over the world who might have different insurance companies at home. So it’s best if we give a review of the most international companies.

If none of these insurances convince you, follow the Schengen requirements below, and you will be fine!

Table of Contents ▼ ▶

Travel Schengen Insurance

If you are from a country that requires a travel visa or a Schengen visa to visit Spain, know that one of the most essential requirements in your application will be insurance.

So, why do you need specific travel insurance to travel to Spain or any European country? Well, simply because those are the rules. The European Union is a union of countries without borders whose purpose is to collaborate, trade, and help each other.

The latter comes with many benefits for European citizens, especially in terms of health. If they travel to any EU country and face any accident or disease, a European sanitary card is more than enough to be accepted at any hospital.

These are three of the main rights that any European citizen has in another member state; it is called Cross-Border Health System:

• Patients may receive healthcare in a Member State other than their own and later request reimbursement of the costs in their country.
• The legislation refers to the benefits included in the National Health System’s common portfolio of services.
• Patients will have to request authorization in case of hospitalization for more than one night or use highly specialized equipment and technology.

So, Europe rounds up the subject. Europe shares resources when it comes to its citizens. But they can only do the same with some people that come to visit. 

Note: No hospital in Spain should deny you treatment in an emergency.

But let’s go back to travel insurance to Spain.  I gave you all that context for you to understand why the EU is so strict when it comes to health insurance.  

If you are applying for a Schengen visa, know that your insurance should have the following requirements:

• Cover for medical costs of at least €30.000
• Validity in all Schengen countries
• Cover for repatriation costs and urgent medical costs

These three are the main issues that your travel health insurance should cover. 

If you don’t need a Schengen visa to travel to Europe, getting insurance for your safety is advisable. A basic plan should cover the following:

Your travel insurance to Spain should at least cover the following:

• Trip cancellation and interruption
• Evacuation 
• Baggage 
• Flight insurance

How much does travel insurance cost?

Everyone travels differently: backpackers, short-trip travelers, summer holiday people, luxury travelers, families, and more. And, depending on the type of traveler you are, the higher or lower the price of your insurance will be. 

In this case, most insurance companies will ask you some questions about your trip, and based on that information, they will give you a price on your travel insurance.

Check three to four insurances before booking one, and contact family or friends who have traveled before! You can make an informed decision after comparing their comment with your research.

So, what are the typical questions you get when looking for travel insurance to Spain or any country in the European Union? Check them below:

The exact date of traveling

Country of destination

Total trip price

First trip deposit*

Now, I will move on to compare some health insurance companies that offer their services in Spain. The following analysis is non-biased; no one is paying us for this; it is 100% personal research and experience. 

* The deposit date is when the first payment was made towards any aspect of the trip.

Travel Insurance Companies

Here are the top 9 travel insurance companies for your trip to Spain. I selected these companies under two requirements: Some are international companies in Spain and the United States, which would make any type of contact, and second, the most popular and complete travel insurance in the USA.

I also added them because after carefully checking their quotes, I can tell you they include all the travel coverage needed. 

The company AXA has specific travel insurance for travelers who need to apply for a Schengen visa.

Additionally, I will clarify any specifics about the insurance below the chart. 

Before you check them out you must knwo that I requested the quotes from each company with the following data: 2 people between 70 and 75 years old traveling throughout Spain for two weeks. An airplane is the trasnportation of choice and the travel cost between both people is $6,000.

• The quote from Generali doesn’t allow you to see all the benefits, but there is nothing that a call or an email can’t help.
• Mapfre’s travel insurance covers trips that cost a maximum of $5,000.
• Tin Leg Luxury travel insurance plan doesn’t cover pre-medical conditions. 

Additional tips

Questions to ask the insurance company.

In case you want to call or visit the insurance company but it makes you a bit nervous to do so, I have created a list of topics and questions to ask for you to get the best deal for your trip. 

Pricing and Coverage:

• What is the total cost of the travel insurance plan?
• Can you provide a breakdown of costs for each type of coverage included in the plan?
• Are there any optional add-ons or extra coverages available, and how much do they cost?

Medical Coverage:

• What is the maximum coverage for medical expenses, including hospitalization, doctor visits, and emergency treatments?
• Does the plan cover pre-existing medical conditions? If so, what are the specific conditions covered and any limitations?

Trip Cancellation and Interruption:

• Is there a specific list of covered reasons for trip cancellation, or is it more flexible?

Baggage and Personal Belongings:

• What is the coverage limit for lost or delayed baggage?
• Are valuable items like electronics, jewelry, or cameras covered, and is there a separate coverage limit for them?

Travel Delays and Missed Connections:

• What is the coverage for travel delays and missed connections? How many hours of delay are required for a claim?
• Are expenses like meals and accommodations covered during delays?

Emergency Evacuation and Repatriation:

• Does the plan cover the cost of emergency evacuation and repatriation in case of a serious medical situation?
• What is the coverage limit for this type of situation?

Payment Plans and Deductibles:

• Are there flexible payment options available? 
• Is there a deductible, and how does it affect the overall cost and claims process?

Policy Exclusions and Limitations:

• Are there any specific activities or scenarios that may not be covered?

Claims Process:

• Can you explain the process for filing a claim, including the necessary documentation and timelines?

Cancellation Policy:

• Is there a cooling-off period during which I can cancel the policy if I change my mind? What are the associated fees, if any?

Travel Assistance and Support:

• How can I access 24/7 assistance in an emergency during my trip?
• What services are provided for travelers in need of help?

Coverage for Additional Travel Arrangements:

• Can I update the insurance coverage to reflect the new itinerary if my travel plans change? Are there any associated costs?

To keep your trip safe, stay informed on the country’s political environment to avoid protests. 

Keep your valuables, including passports, cash, and electronics, in a secure location, such as a hotel safe or a money belt. If you take something out of the hotel, make sure to put it in a pocket where you can constantly keep an eye on it. 

Research high-risk areas of the city and be cautious about them, especially at night. For example, the neighborhood of El Raval is famous in Barcelona, but don’t visit it at night because it is not the safest and the streets are not illuminated.

Use registered public transportation options like registered taxis, official airport shuttles, or trusted ride-sharing services.

Stay vigilant on pickpockets and scams. Read more about them in the link below:

• 15 Mistakes Tourist should avoid in Spain. Must read!
• 12 Scams To Stay Alert in Spain: Read Before Traveling!

Know the most important emergency numbers in the country. Here, I will link you to an article with emergency numbers in Spain.

Keep your family or friends in your home country informed of your destinations.

Stay health conscious: use sunscreen, eat good food, and avoid street fountain water. 

And there you have it! All the advice, safety tips, and requirements you should follow before booking travel insurance to Spain.

Additionally, we added nine companies, their best plan, and prices so you can know what to expect and where to look. Let us know if you have any questions so we can help you in your search.

READ NEXT: 11 Itineraries Around Spain: From 1 Day to 2 Weeks

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Travel Insurance for a Trip to Spain (2024)

See how Spain travel insurance can minimize risk and protect you from financial loss if your trip is canceled or you experience an emergency abroad.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

From lost baggage to trip cancellation and medical emergencies, it pays to have a safety net when you’re exploring Europe. Options for travel insurance for Spain typically cover most unexpected delays and emergencies, offering reimbursements to help you recoup some or all of your trip costs.

We at the MarketWatch Guides Team have reviewed the top travel insurance providers to offer peace of mind on your next European vacation. Along with general travel tips, we will discuss Spain travel insurance, including requirements and how much you can expect to pay.

Compare Spain Travel Insurance Companies

Use the table below to compare travel insurance that will cover a trip to Spain.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Do I Need Travel Insurance for Spain?

There are currently no requirements for U.S. citizens to obtain travel or health insurance as a condition of entry to Spain for trips spanning fewer than 90 days. This also includes the other Schengen countries in Europe , like neighboring France. However, many business travelers and tourists may want travel insurance for protection against sudden costs — including unexpected medical expenses and trip cancellations .

Some travel insurance plans also offer coverage for sports enthusiasts in the event of injuries and medical emergencies. Adventure activities are popular in Spain, from water sports in Barcelona and Bilbao to rock climbing in Serrania de Cuenca. But general emergency medical coverage also extends to tourists visiting major cities like Madrid and Valencia.

We outline some of the most common travel insurance coverage options below.

Cancel for Any Reason Coverage

When you buy a travel insurance policy, you agree to conditions for using your coverage. For example, your policy will list specific reasons you can make a trip cancellation claim, like serious illness or injury. But cancel for any reason coverage , otherwise known as CFAR, is an upgrade without limits.

CFAR benefits offer increased flexibility for international travel. For example, if you booked a hotel in Seville for a destination wedding and the couple calls off the event, you could use CFAR coverage to reimburse prepaid or nonrefundable costs (like your hotel). It is unlikely that a standard travel insurance policy would cover travel costs due to a canceled wedding.

Though it offers flexibility for trip cancellations, CFAR does come with disclaimers and rules. Most travel insurance companies enforce time limits on when you can purchase CFAR coverage and timeframes in which you must cancel your trip. For example, Progressive requires you to purchase CFAR coverage within 10 to 21 days of making your initial trip payment and to notify vendors of canceled plans within 48 hours of your trip departure.

Gear Theft Protection

You may want to take some expensive gear on your Spanish vacation, including valuables such as your:

• Sports equipment

Travel insurance helps to recoup valuables that are lost, stolen or damaged by a tour operator or airline. Most plans offer coverage up to a predetermined cost, and exclusions may apply.

Some providers also offer additional coverage you can purchase to protect your gear while traveling. But deciding to purchase travel gear theft protection ultimately depends on personal preferences. If your policy does not cover the full value of your items, travelers may choose to leave expensive items at home. However, purchasing additional trip coverage may be worthwhile if you have to travel with gear for work or sporting purposes.

Medical Emergency Insurance and Emergency Medical Evacuation

The Spanish health care system is a leader in the Mediterranean region and the world. As a general rule, Spain doesn’t present major health hazards outside of extreme sports. However, there is always the possibility of unforeseen injuries that require medical care with international travel to any destination.

In the case of accidents, illness and emergencies, travel insurance for medical emergencies can cover a range of expenses that may include the following:

• Hospital fees
• Operating room charges
• Ambulance services
• Dental emergencies
• Lab tests and X-rays

Many travel medical insurance plans include emergency medical evacuation and repatriation if you cannot receive health care locally. This usually covers the cost of an evacuation to your home country or a major hospital within Spain.

Rental Car Protection

Spain legally requires unlimited third-party liability insurance for all rental vehicles, which the country automatically includes in the price of the car. While you can buy additional insurance from car rental companies, travel insurance can also protect you if an accident happens while driving abroad.

Some travel insurance plans include rental vehicle coverage in standard plans, while other providers may offer coverage as an add-on. Coverage varies depending on different travel insurance policies and providers. However, it may include the following:

• Collision damage waiver and theft protection
• Tire and windshield protection
• Roadside protection
• Personal effects coverage

Trip Cancellation Insurance

Should you cancel your Spain vacation before departure, trip cancellation insurance reimburses you for nonrefundable and prepaid expenses. A standard Spain travel insurance policy provides reimbursement up to a certain limit. Most providers have strict rules regarding the reasons for canceling unless you purchase CFAR coverage.

Below are typical events that qualify for cancellation, all of which generally represent emergencies.

• Hospitalization or illness
• Death of the family member
• Dangerous weather conditions preventing departure
• International or domestic terrorism

How Much Does Spain Travel Insurance Cost?

How much travel insurance costs can vary based on a traveler’s age and the insurance provider. How much you’ll pay is also dependent on factors including:

• Destination country
• Total trip price
• Trip length
• Level of coverage needed

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Spain. The below quotes are for a 30-year-old traveler from Florida, traveling to Spain for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

How Do I Get Travel Insurance for Spain?

Before purchasing travel insurance, check your current credit cards and health insurance to see if you already have existing coverage. For example, your credit card may offer cancellation protection, or your health insurance may cover emergency medical expenses abroad. You may also be able to buy Spain travel insurance directly through your airline.

Other insurance products may also offer coverage while traveling. For example, some renters insurance policies cover stolen items while traveling.

Otherwise, compare policies between providers and choose the best travel insurance for your next trip. Be sure to review each provider’s coverage limits and exclusions to ensure you would have the coverage you need.

Spain Safety Tips

To help you enjoy a safe trip, below are basic travel tips for vacations to Spain.

Crime and Safety

The Spain Travel Advisory from the U.S. Department of State is at Level 2: Exercise Increased Caution. According to the country summary, the level is in place due to possible terrorist attack plots and demonstrations during international events and politically significant holidays.

It’s recommended to avoid demonstrations and always follow instructions from local authorities. Be aware of your surroundings in big crowds and guard your belongings from pickpockets. Take note of local media concerning breaking events and adjust your plans accordingly.

Day Trips, Tours and Excursions

A Spanish vacation offers excursions that range from hiking in the mountains to scuba diving and exploring historical villages. It’s a good idea to have medical coverage with your travel insurance provider in the case of unexpected injuries, along with cancellation coverage for missed tours.

Book excursions through reputable websites and trusted tour organizations. For recommendations, seek advice from travel agents, hotel concierges and Spain’s official tourism site .

According to the U.S. Center for Disease Control and Prevention , there are currently no COVID-19 travel notices for entry into Spain. But the agency recommends you stay up-to-date on vaccines if you plan to travel abroad. The country has also removed most public health measures related to the pandemic. Follow instructions from local authorities and research appropriate travel health insurance for you.

Some travel insurance providers offer more robust COVID-19 coverage than others. We recommend checking with your travel insurance provider to ensure you have adequate coverage if you are worried about trip cancellations due to the coronavirus.

Is Travel Insurance for a Spain Vacation Worth It?

Whether it makes sense to buy travel insurance depends on the terms and conditions of your travel arrangements. If you booked a flight, room, rental or transportation that offers refunds for cancellations, travel insurance might not seem necessary.

However, travel insurance can come with expanded medical protections that prove useful in an emergency, and CFAR insurance may offer you more flexibility if plans change. Shopping around and comparing costs for coverage can help you decide the right type of protection for your trip to the islands.

Frequently Asked Questions About Travel Insurance in Spain

Can i use travel insurance to claim flight compensation.

U.S. airlines are not required to compensate you for delayed or canceled flights when factors are outside the airline’s control. Travel insurance can reimburse you for nonrefundable costs related to trip delays, cancellations and baggage loss due to covered reasons.

You can also refer to our guide on how to claim compensation for trip interruptions , with or without travel insurance.

Does Spain require proof of travel insurance?

Travel insurance is not mandatory for trips to Spain. International travel insurance is recommended to offer visitors peace of mind regarding trip delays or cancellations, lost baggage, unexpected medical costs or pre-existing medical conditions.

Is travel insurance more expensive for trips to Spain?

Based on quotes we gathered for a 35-year-old traveler from New York visiting Spain for 10 days with a total trip cost of $3,500, a policy costs between $86 to $177 . Your price may vary depending on your personal details, trip length and total cost.

Spain travel insurance could be more expensive for senior citizens or those with pre-existing medical conditions. Spain’s high level of privatized health care is another factor regarding medical coverage — only public hospitals provide free treatment, which may still be limited to Europeans. Travel insurance can help ensure coverage in the event of a medical emergency, especially if your health insurance card does not extend benefits abroad.

What does Spain travel insurance cover?

Most standard travel insurance policies cover a range of travel-related situations, including:

• Trip cancellations, delays or interruptions
• Baggage loss or theft
• Emergency medical and evacuation coverage
• Accidental death and dismemberment

Some policies may also cover rental car damage, identity theft resolution, and sporting gear or other valuables.

Do I need a visa to travel to Spain?

U.S. passport holders currently do not need a visa to travel to Spain short term. However, you will need to apply for a visa if you plan to stay for more than 90 days. Note that a Schengen visa grants you access to the Schengen area, but does not apply to the United Kingdom.

If you have questions about this page, please reach out to our editors at [email protected] .

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Travel Insurance for Spain

Doesn’t it feel good to be headed to Spain? With incredible tapas, warm sunshine, and breathtaking architecture on the horizon, it's time to start thinking about what you need to do ahead of time to make sure your trip is stress-free. And the secret to a smooth and seamless vacation abroad is preparation.

What Do You Need When Traveling to Spain?

While some people like to go with the flow when vacationing in Spain, it's always best to have a general idea of the vacation you'd like to have. Are you planning on spending long and lazy days at the beach, indulging in some of the world's best food? Or maybe you've planned a city break and can't wait to fill your days with exciting tours discovering the history of this beautiful country.

But aside from an itinerary and a positive mindset for your exciting trip ahead, what else is needed when travelling to Spain?

Spain requires all visitors to have the required travel documents valid until 3 months after their planned departure date. This is non-negotiable. Double-check that your travel document is valid for your vacation time frame to ensure you have a smooth experience at immigration control. It's also important to note that Spain requires all travel documents to be issued no more than 10 years before your date of departure.

If you're a US citizen you're welcome to stay in Spain for up to 90 days without a visa, since the country is a part of the Schengen Agreement. If you'd like to stay in Spain beyond 90 days, you'll need to seek out the appropriate Schengen Visa for your travels. If you stay in Spain longer than the time permitted, you may be hit with an entry ban or worse.

Travel Insurance

While travel insurance isn't a mandatory requirement to enter Spain, it's highly recommended to be covered for your trip. The great thing about travel insurance is that, depending on the plan, it may cover a variety of issues that can happen to you, your baggage, or even your sporting equipment while you're away.

Travel insurance can cover things such as medical emergencies, injury, death, delayed departures and missed transport due to reasons beyond your control, lost luggage and more. And while it's not nice to think about dealing with these types of issues on your dream holiday, it's always best to be prepared .

There are countless travel nightmare stories where people end up with large hospital bills or pay a lot to change flights due to sickness. By purchasing travel protection ahead of your trip, you'll have greater peace of mind for these kinds of issues.

What Travel Insurance Do You Need for Spain?

It's important to determine what coverage you need ahead of your trip. You should ask yourself questions such as:

Are You Making a Lot of Non-Refundable Plans?

One of the most exciting elements about planning a trip to Spain is signing up for lots of exciting activities and experiences. And while we recommend seeing this country in all its glory, it's important to be mindful of the type of activities you're arranging.

If you're making costly plans that can't be refunded, you may end up losing a significant amount of money. It's always best to check the terms and conditions of all your activities ahead of time or ensure you have the appropriate travel insurance to compensate you should disaster strike.

Do You Have Any Pre-Existing Medical Conditions?

Travelers with pre-existing medical conditions should also be able to enjoy exciting trips away. But if you're visiting a European country far from home, it's important to ensure your travel insurance caters to your pre-existing medical condition. Not all travel insurance covers pre-existing medical conditions, but our Premium Plan can. Find out more about our  Premium Plan .

Will You Be Renting a Car?

Driving in Spain can be overwhelming. It's important that your travel insurance provides coverage in the event of a rental car accident. Remember — accidents can happen to anyone.

While some travel insurance policies provide coverage for rental car damage, others give you the opportunity to add it on as an extra. For instance, rental car damage is included with the Premium Plan, but needs to be added to the other plans available here.

If you're renting a car for your Spanish holiday, make sure your insurance has you covered.

Note: Rental Car Damage coverage is not available to residents of Texas.

Do You Anticipate Any Trip Interruptions?

While some trip interruptions can't be anticipated ahead of time, it can be helpful to ask yourself if certain things could come up that would interrupt your travels. Not sure what's considered a  covered reason for trip interruption ? Check out our examples below:

Sickness, injury or death

Common carrier cancellations and delays

Labor strike

Car accident

Uninhabitable home

Uninhabitable destination

Mandatory evacuation

Military duty

Terrorist act

Host's life-threatening sickness or injury

Extension of school year

Academic exams

New vaccination requirements

Organ match

How Do You Get Travel Insurance for Spain?

Finding travel insurance for your trip to Spain doesn't have to be stressful. With Generali Global Assistance, we make the process straightforward, so you can focus on your exciting trip ahead with added peace of mind. To find out which travel insurance is right for you, explore our  current plans .

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Do I need travel insurance for Spain?

When planning a trip to the land of flamenco and fiestas, one might ask, “Do I need travel insurance for Spain?” It’s a picturesque nation known for its rich history, vibrant culture, and stunning landscapes, from the beaches of Costa del Sol to the historic streets of Barcelona. Yet, even in the most charming destinations, unexpected events can occur.

When planning your dream vacation to Spain, securing the right travel insurance is crucial. The top travel insurance companies—Allianz Global Assistance, Travel Guard by AIG, USI Affinity, Travel Insured International, and Berkshire Hathaway Travel Protection—stand out for their comprehensive coverage options, catering to a range of needs from budget travelers to those seeking premium protection. These companies have been selected based on their high coverage limits, variety of plan options, including COVID-19 coverage, and the availability of upgrades such as “cancel for any reason”.

Whether you’re looking for adventure, traveling on a budget, or seeking peace of mind with high medical coverage, these insurers offer tailored plans to ensure your Spanish escapade is as secure as it is exciting.

Securing travel insurance for Spain is not just a safety net—it’s a travel essential that ensures you can enjoy Spain’s delights worry-free, from tapas to siestas, with the assurance that you’re protected.

Why Travel Insurance for Spain is Essential

In Spain, the unexpected can range from minor inconveniences to significant emergencies. Here’s why travel insurance is a must:

• Healthcare Costs : Spain’s healthcare is excellent but not free for tourists . Insurance can cover unexpected medical bills.
• Theft Protection : Busy tourist spots have pickpockets; insurance can reimburse for stolen items.
• Travel Disruptions : Strikes and delays are not uncommon; insurance can cover the costs of these disruptions.
• Outdoor Activities : For adventurers in Spain’s diverse landscapes, insurance can cover accidents during activities like hiking or water sports.
• Legal Coverage : If you’re liable for damage or injury, insurance can cover legal costs.

With travel insurance for Spain, you’re investing in your safety and ensuring your trip remains memorable for all the right reasons.

Insurance for water sports and climbing enthusiasts

Along its extensive coastline, activities like jet skiing, windsurfing, and scuba diving are popular, while its mountain ranges attract climbers and hikers. However, these activities carry inherent risks, from injuries to equipment loss.

Travel insurance for Spain tailored to adventure seekers typically covers:

• Accidents and Rescue : Costs for medical treatment and rescue operations following an accident in water or while climbing.
• Equipment : Reimbursement for damaged or stolen gear.
• Liability : Coverage if you accidentally injure someone else or damage property.

Choosing a policy that specifically includes coverage for these activities is essential for anyone looking to fully embrace the adventurous side of Spain. Always check the fine print to ensure your planned activities are covered.

What Does Travel Insurance for Spain Cover?

A comprehensive travel insurance plan for Spain typically includes:

• Medical Emergencies : Coverage for doctor visits, hospital stays, and even medical evacuation if necessary.
• Theft or Loss : Compensation for lost or stolen luggage, travel documents, or personal items.
• Trip Interruptions : Reimbursement for non-refundable expenses if your trip is unexpectedly canceled or cut short.
• Personal Liability : Financial protection in case you’re responsible for injury to others or damage to property.
• Adventure Activities : Specialized coverage for risks associated with water sports, climbing, and other high-adrenaline activities.

It’s crucial to ensure your policy matches your travel itinerary in Spain, including any specific activities you plan to undertake.

Choosing the Right Insurance Policy

Choosing the right travel insurance company is very important, as the price range is quite wide and the covers are very different. Here we have compiled the best travel insurance companies so you can choose the one that fits the best for you.

Official website links:

• Allianz Global Assistance: www.allianztravelinsurance.com ​ .
• Travel Guard by AIG: www.travelguard.com ​.
• USI Affinity Travel Insurance Services: www.travelinsure.com ​.
• Travel Insured International: www.travelinsured.com ​.
• Berkshire Hathaway Travel Protection: www.bhtp.com ​ .
• TravelInsurance.com : Known for a wide range of policy comparisons and customer service, with starting prices for a 2-week trip at $97.20 and options for “cancel for any reason”.
• Faye : Offers a 100% digital platform for fast claims and additional coverage options, with starting prices for a 2-week trip at $160.92.
• Safe Travels Voyager : Suitable for travelers aged 55+, with pre-existing condition coverage and COVID quarantine benefits, starting at $145.41 for a 2-week trip.
• Squaremouth : Features comprehensive filters, especially for COVID-19, and a “Zero Complaint Guarantee” for a fair claims process.
• AXA : Offers well-rounded plans including coverage for pre-existing conditions and 24/7 worldwide assistance, with a history dating back to 1959.
• Nationwide Insurance : Their plans feature a “Trip Interruption for Any Reason” benefit, offering a 75% reimbursement for early trip termination.
• SafetyWing : Tailored for digital nomads and long-term travel, though it has limitations for short-term coverage, founded in 2018.

How to Make a Claim on Your Travel Insurance for Spain

Understanding the claims process.

• Contact insurer immediately in case of an emergency.
• Gather all necessary documentation like police reports and medical records.
• Submit the claim form with detailed documentation.
• Stay in touch with the insurer for any follow-ups.

Common Mistakes to Avoid

• Exaggerating losses or providing false information.
• Not notifying the insurer promptly.
• Neglecting to check plan limits and coverage.
• Insufficient documentation.
• Delaying the claims process.

Tips for a Smooth Claims Experience

• Obtain all necessary medical documentation.
• Seek medical attention promptly for emergencies.
• Contact the travel insurance company without delay.
• Keep comprehensive records of all documentation and communication.

From Adventurer Atlas we highly recommend to read the policy of the travel company that you got. Read it at least once and write down the emergency contact details, just to be sure you have it near-by during the trip. There is nothing worse than being stressed because something has happened and you don’t know what number to call.

Travel Tips for a Safe Trip in Spain

Depending where you go, you have to take into consideration many things. For the big cities be aware of the pickpockets, specially in the metro of Barcelona. If you go hiking be aware of the tap water as many are contaminated by pig urine.

In this section we have compiled some travel tips for a safe trip to Spain:

• Blend in : Try not to stand out as a tourist, which may make you a target for theft. In some areas, local laws dictate dress codes, such as prohibiting bare chests and bikinis in towns and on promenades​.
• Transportation Safety : Utilize official taxi services and stay vigilant on public transport. Keep belongings close and be especially alert during late hours if you’re using public transportation​.
• Nightlife Precautions : Spanish nightlife is vibrant but comes with risks. Avoid excessive drinking, stay in groups, and be mindful of drink spiking. Stick to familiar, well-populated areas and avoid isolated places, particularly at night​.
• Culinary Caution : While Spanish cuisine is a delight, always eat at reputable places and be wary of improperly stored or cooked street food. Drink bottled water in areas where tap water isn’t recommended and be cautious with seafood, especially in the summer​.
• Emergency Contacts : Keep a list of emergency numbers, such as general emergency (112), medical emergencies (061), police (091), and fire department (080)​.
• Awareness of Local Laws and Customs : Research local laws regarding alcohol consumption in public spaces, as fines can be imposed for violations. Be mindful of cultural norms and legalities to avoid fines or legal issues​.
• Health Precautions : Spain can get very hot, leading to sunstroke. Stay hydrated, carry a water bottle, and avoid the midday sun​.

In conclusion, whether you’re planning to marvel at the architectural wonders of Barcelona, soak up the sun on the pristine beaches of the Costa del Sol, or embark on a culinary adventure in the Basque Country, securing the right travel insurance for Spain is an indispensable part of your trip preparation.

Travel insurance for Spain not only offers you peace of mind but also ensures that unforeseen events don’t disrupt the beautiful memories you aim to create. Remember, the right travel insurance for Spain is not just a safety net, but the backbone of a truly carefree and enjoyable Spanish escapade.

Have you had experiences with travel insurance for Spain that you’d like to share? Perhaps a tip, a particular provider recommendation, or an anecdote about how having travel insurance made your visit to Spain smoother? We’d love to hear your stories and insights. Comment below and join the conversation! Your feedback could be invaluable to fellow travelers gearing up for their own Spanish journey.

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Choose insurance tailored to your travel needs

Expat travel insurance spain.

Cheap expat travel insurance quote in Spain

Compare the cheap holiday travel insurance options offered by the best travelers company to find a plan that perfectly suits your needs.

With the best travel insurance companies

Select the best travel insurance companies offering worldwide and nationwide coverage, catering to both foreign residents/expatriates in Spain and tourists visiting Europe . Secure the best trip and turo insurance!

Travel insurance with COVID cover

Secure your travels with comprehensive COVID travel insurance. All the best plans with COVID cover , medical coverage, and more!.

Buy the best travel insurance online for spanish residents & tourists

Basic travel insurance

Key and essential medical coverage for travel

• M edical assistance • F amily member hospitalization transfer • S earch, location, and shipment of lost luggage • R epatriation due to illness or death • M edication delivery • R efund for unused vacations                                                                                                                                                                                                                                                             

Travel insurance for Spain

The ideal domestic travel insurance to ensure safety and peace of mind

• M edical assistance including COVID-19 illness • V eterinary assistance for pets • L uggage search, location, and shipment   • R epatriation due to illness or death • D ental expenses  • E arly return due to the death or hospitalization of a family member or serious incident • R efund for unused vacations  • C ard cancellation

Trip cancellation insurance

The perfect travel insurance that includes the option to cancel your trip and get a refund of your investment

• M edical assistance • F amily member hospitalization transfer • S ending forgotten or stolen items during the trip • R epatriation due to illness or death • M edication delivery • R efund for unused vacations  • R ecovery at the hotel • A dvance of monetary funds abroad

Travel insurance international

The overseas travel insurance to any destination worldwide

Schengen travel insurance

This travel insurance is for tourists who wish to enjoy their stay within the Schengen Area

• M edical assistance • R epatriation due to illness  • R epatriation due to death • T heft and luggage damage

Family travel insurance

The ideal travel insurance for families with minors

• M edical assistance • C onvalescence at a hotel • S earch, location, and shipment of lost luggage • R epatriation due to illness or death • R epatriation or transport of minor or disabled children                                                                                                                                                                              

Cruise travel insurance

Travel insurance designed for cruise trips

• M edical assistance on board and on land • A dvance of monetary funds abroad • S ending forgotten or stolen items during the trip • R epatriation due to illness or death • C ard cancellation • T ransportation hijacking expenses   • P erson rescue • L oss of keys to the primary residence                                                                                                                                                                                                                                                                                                  

Ski trip insurance

  The ideal insurance for those who want to enjoy winter sports with complete peace of mind

• M edical assistance • P harmaceutical expenses • O n-piste rescue • R efund of unused ski pass cost • R efund of unattended ski lessons • T ransfer of a family member due to hospitalization • R epatriation due to illness or death • S ending urgent messages • C onvalescence at the hotel • C laim for damages abroad • C laim for purchases abroad • C laim for services provided abroad • P rivate civil liability

Student travel insurance

The essential coverages for studying abroad

• M edical assistance  • R epatriation due to illness or death • S earch, location, and shipment of lost luggage • T ravel and accommodation expenses for a family member in case of hospitalization exceeding 5 days • E arly return • L oss of classes • D efense of criminal liability abroad                                                                                                                                                                                               

Annual travel insurance

Single trip or mutitrip travel insurance for long-duration trip

• M edical assistance  • T ransfer of a family member due to hospitalization • S ending forgotten or stolen items during the trip • R epatriation due to illness or death • M edication delivery • C onvalescence at the hotel • R efund for unused vacations  • A dvance of monetary funds abroad

Group travel insurance

Travel nsurance designed for groups of 5 or more people

• R epatriation due to illness or death • S earch, location, and shipment of lost luggage • A dvance of monetary funds abroad • C ard cancellation • K idnapping expenses • P erson rescue • L oss of keys to the primary residence                                                                                                                                                                                                                                                                                                                                                                                                                 

Pet travel insurance

Travel insurance that includes veterinary coverage for those traveling with their pets

• V eterinary assistance in case of an accident • P et's stay expenses in a residence due to the policyholder's hospitalization • E xtension of the policyholder's stay in case the pet is lost • E xpenses for the transfer or repatriation of the pet and owner • E xpenses for necessary euthanasia in case of an accident • E xpenses for replacing documentation in case of theft or loss of the pet

Travel medical insurance with COVID cover

Traveling in the age of COVID-19 has brought about new challenges. Our COVID travel insurance plans provide medical coverage specifically for COVID-19, offering you peace of mind in case you or your loved ones fall ill during your trip.

These travel insurance policies, equipped with COVID coverage , not only handle expenses related to COVID-19 but also offer assistance with pre-existing medical conditions. From providing COVID-19 medical care and covering the cost of quarantine to aiding with pre-existing medical conditions and emergency medical evacuations, the best travel insurance for COVID ensures you’re well-prepared for any unexpected health-related situations during your travels.

With travel health insurance and reliable COVID insurance for travel, you can embark on your adventures with confidence, knowing that you have a safety net in place. Choose the best travel insurance plan that aligns with your specific needs and preferences with holiday insurance with COVID cover.

Take advantatge of expat travel insurance plans in Spain

• Medical assistance. We provide you with everything you need, making available the most suitable medical teams and services to care for you wherever you are
• Trip cancellation expenses. If you experience a last-minute accident and need to cancel your trip, we will reimburse your cancellation costs
• Repatriation. If you are injured or ill, the insurance will cover the transfer to the clinic or hospital, and if you need to be transported back to your home, we will arrange the transportation
• Baggage coverage. If you lose your luggage during transportation, lose or have your documents stolen, we will manage the search for them and provide compensation if necessary

expat repatriation with accident insurance

Frequently asked questions, what is expat travel insurance in spain.

Expat travel insurance in Spain is a specialized insurance policy designed to provide coverage for expatriates or travelers living in or visiting Spain. It offers protection for various travel-related risks, including medical emergencies, trip cancellations, and other unforeseen events.

Do I need expat travel insurance when living in Spain?

While it's not mandatory, having expat travel insurance in Spain is highly recommended. It ensures you're financially protected in case of unexpected medical expenses or travel-related issues, giving you peace of mind during your stay.

What does expat travel insurance typically cover?

Expat travel insurance in Spain commonly covers medical emergencies, trip cancellations, lost luggage, personal liability, and other travel-related incidents. The coverage can vary depending on the policy, so it's essential to review the specifics of your plan.

Can I get expat travel insurance for short trips to Spain?

Yes, you can purchase expat travel insurance for short trips to Spain. Many insurance providers offer policies tailored to the duration of your stay, whether it's a short visit or long-term residency.

How do I choose the right expat travel insurance in Spain?

To select the right expat travel insurance, consider factors like the duration of your stay, your specific needs (e.g., medical coverage, trip protection), and your budget. It's advisable to compare different policies and choose one that aligns with your requirements.

Are pre-existing medical conditions covered by expat travel insurance?

Pre-existing medical conditions may or may not be covered, depending on the insurance provider and policy. It's essential to disclose any pre-existing conditions when applying for coverage and check whether they are included in the policy.

How does expat travel insurance handle emergency medical situations?

In the event of a medical emergency, expat travel insurance typically provides coverage for hospitalization, doctor's visits, and other necessary medical expenses. Many policies also include assistance services to help you find suitable healthcare providers.

Can I extend my expat travel insurance policy if my stay in Spain is longer than initially planned?

Some insurance providers offer the option to extend your expat travel insurance if your stay in Spain is longer than expected. It's essential to check with your insurer and make any necessary adjustments to your policy.

What should I do if I need to make a claim with my expat travel insurance?

If you need to make a claim, contact your insurance provider as soon as possible. They will guide you through the claims process, which may include providing necessary documentation and details related to the incident.

How can I find the best expat travel insurance in Spain?

To find the best expat travel insurance, consider researching different insurance providers, comparing policies, and reading reviews. Additionally, you can seek recommendations from fellow expatriates or consult with insurance brokers familiar with the Spanish market.

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Spain Travel Insurance

If you're planning to travel to Spain, AllClear can help. Travel Insurance for Spain will help protect you against unexpected medical bills. Our policies have no upper age limits and can be tailored to suit you.

Page contents

Why do you need travel insurance for spain.

Travel Insurance will provide you with the confidence you need to travel safely. To avoid unexpected medical bills or cancellation costs when travelling to Spain, you’ll need comprehensive cover.

It’s time that you travelled to Spain with the UK’s most trusted Travel Insurance provider 1 .

Comprehensive cover when travelling to Spain

Spain has always been a favourite holiday destination for us Brits.

From vibrant cities such as Barcelona and Madrid to the rural south-western wine regions of Andalusia, Spain offers endless new experiences.

Whatever your trip to Spain may involve, it’s essential that you have comprehensive cover. Choose an AllClear Travel Insurance policy and we will:

• Help you travel safely
• Help you understand what policy you need and what cover benefits it includes
• Answer your frequently asked questions before you travel

As the UK’s No.1 for travel insurance 2 , we’ve covered over 3 million people. When you join us, you too you can benefit from:

• Coronavirus cover  that has been rated ‘Superior’ by a leading independent UK consumer champion
• Travel Insurance with pre existing conditions
• Flexible cancellation cover available with no upper age limit

What should a Travel Insurance policy for Spain cover?

When making your choice, look for high-quality cover that includes the following:

Emergency medical expenses – considers all pre-existing medical conditions and any unforeseen medical treatment that might be needed while you’re away.

Repatriation to the UK – offering you medical transport back to the UK; this is not covered under any other scheme like GHIC.

Cancellation and Curtailment – a good policy will also include cancellation cover should you need to cancel or cut short your trip, including circumstances where you’re required to self-isolate.

Baggage and personal propert y – if your personal property, including your passport, is lost, damaged or even stolen, a good policy will cover you for losses and offer emergency help when needed.

Discover our full list of benefits that we can offer you below:

Benefits of AllClear Cover

Travel insurance for the spanish islands.

Many Brits love to visit Spain year after year, whether it’s your first time or thousandth it’s always a fantastic experience. If you enjoy the Spanish culture and want to explore it further, we also offer comprehensive cover for:

Majorca Lanzarote Tenerife La Gomera Fuerteventura

Are you visiting your own property in Spain?

If you’re visiting your own property and are unsure about needing cover, then let AllClear help.

We offer Long-stay Travel Insurance, so you can make the most of your time in Spain from the comfort of your holiday home while having the protection of comprehensive cover.

We also offer Annual Multi-trip Travel Insurance , which would enable you to travel to your own property in Spain as well as to other destinations throughout the year. However, this type of policy limits the number of days you can travel on one trip to 45 days.

To find out more, get a quote or speak to one of our specialists today.

Join the UK’s most trusted Travel Insurance provider 1

Did you know that 97% 4 of our customers rate us as ‘Excellent’ or ‘Great?’ Here’s what they have to say about us:

“When I travel abroad to see my son and daughter-in-law in Spain, I always use AllClear Travel. I have many medical issues, and their staff are very helpful and friendly when I need help to complete the medical section of their form. I find their prices on par with their competitors. AllClear Travel has never let me down. Have recommended them to my friends.” – Rosemary

Read AllClear Trustpilot Reviews

Simple 3 step quote process, 1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes, european heatwave faqs.

Can I get a refund if I cancel due to a heatwave?

This will depend on your holiday provider’s refund policy. You should contact them directly. You may only get a refund if there is official advice not to travel.

Is it safe to travel to Europe during a heatwave?

The FCDO has not warned against travelling to Europe, but you should check their latest advice before you go. You should also take precautions and drink plenty of water to stay safe.

Does travel insurance cover heatwaves?

You cannot claim under your Travel Insurance if you decide not to travel because of the heat, unless the FCDO advises against travel to your destination. Claims for cancellation will only be considered if your doctor declares you unfit to travel due to the risks associated with travelling to a destination experiencing a heatwave. Each claim will be individually assessed on a case-by-case basis.

Frequently asked questions

What does the ghic cover in spain.

The Global Health Insurance Card (GHIC) entitles you to the same quality of healthcare that a Spanish resident has. However, there may be medical costs that GHIC cannot cover, such as repatriation costs. While the GHIC card is not a substitute for comprehensive Travel Insurance, it is useful. You can apply for a GHIC here .

Do I need a visa to go to Spain?

If you’re planning a trip to Spain or other destinations in the Schengen area , you’ll be delighted to know that you can visit visa-free for up to 90 days.

How do I get a visa for Spain?

If you wish to stay in Spain longer than 90 days you’ll need to meet the entry requirements set out by the Spanish Government. To get a visa you should visit the Spanish consulate in the UK to find out what type of visa you require.

How much is Travel Insurance for Spain?

A Travel Insurance premium will be based on several factors. These will include your age and any pre-existing medical conditions you may have. The duration of your trip and the local medical costs of your destination will also contribute to the final price. Any optional extras or the removal of excess will also have a contributing factor to your final premium.

What areas are covered by Spain Travel Insurance?

The following areas are covered by Single Trip Travel Insurance for Spain and Annual multi-trip Travel Insurance for Europe:

• Spain (the mainland)
• Balearic Islands – including Majorca (Mallorca), Menorca (Minorca), Ibiza (Eivissa), and Formentera
• Canary Islands – including Tenerife , Fuerteventura , Gran Canaria, Lanzarote , La Palma, La Gomera , El Hierro and La Graciosa

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2  Ranked first Overall for Travel Insurance on SmartMoneyPeople.com from over 14,300 independent customer reviews on 27/01/2021.

3 Research-based those aged 61-65 that took part in AllClear’s Summer Survey, July 2021. 1440 respondents.

4 Based on Trustpilot reviews received during April 2021.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 11 March 2024

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Travel Insurance for Spanish Residents

Spanish residents Travel Insurance. No hidden extra's. Cruise cover and Covid protection included. 

Medical Emergency Assistance service

Pre-existing medical conditions are covered as standard

Cover for trekking to altitudes of up to 3500 meters as standard

Travel insurance is available for people aged up to 89

Wide range of travel insurance policy extras

Travel Insurance for People Living in Spain

Globelink specializes in providing travel insurance for Spanish residents. We have been providing quality travel insurance for Spain for 25 years.

Spain remains one of the unrivalled top holiday destinations and with a population of over 46 million, Spanish residents and the Expat community in Spain are also avid travellers - for both business or leisure purposes and more of you are choosing Globelink travel insurance to protect trips abroad and at home. Spain residents, whether visting family abroad, or taking a holiday, can protect themselves against risks like cancellation, medical emergencies, loss or theft of luggage and much more. Get a quote if you you need travel insurance for Spanish residents. It includes Cruise cover and Covid protection for free.

Already Travelling? No worries!

Whether you have already travelled and forgotten to purchase Travel Insurance before leaving, or if your policy has expired, you can still get cover with a Globelink Already Travelling Policy. So you relax in the knowledge that you can buy travel insurance even if you are already overseas. LEARN MORE

Spain's capital is Madrid and other major locations include Alicante, Barcelona, Bilbao, Malaga, Seville and Valencia - all amazing locations to visit.

Globelink offers cheap travel insurance for Spanish residents. As well as budget options, we offer full protection with our Annual Multi Trip and Comprehensive options which cover you for up to 10 Million in Medical and Repatriation expenses. If you are planning a trip abroad, remember your travel insurance which you can buy on line in minutes and you'll get your documents emailed to you immediately.

What's included with Comprehensive Single Trip or Annual Multi-Trip Travel Insurance?

Our Comprehensive and Annual Multi-trip policies provide great cover - and we don't expect you to pay extra for Cruise Cover and Covid Protection. You can buy up to one year in advance with Single Trip options, or up to 4 months in advance if buying Annual Cover. Annual Travel insurance allows you to travel as many times as you like, with no maximum 'days abroad' restrictions - as long as your trip stays within your selected trip duration.

Cover Includes:

• 10 Million Medical and Repatriation Expenses
• Free Cruise Cover
• Cancellation and Curtailment
• Personal Liability cover up to 2 Million
• End Supplier Failure Cover if your supplier goes bust
• Personal Accident Cover up to £25,000 (conditions apply)
• over 50 Pre-existing medical conditions
• over 100 Adventure activities

Authorised and Regulated by the Financial Conduct Authority and the ICCS in Europe, Globelink are the leading provider of annual multi trip policies and single trip cover for people living in Spain, Europe and EEA countries.

Globelink Annual Multi Trip policies give cover for an unlimited number of trips with a choice of cover for Worldwide or Europe only. You can select from policies giving a maximum individual trip duration of 17, 31, 45, 60, 90 or 120 days. This is reduced to a maximum of 60 days for people aged 66 to 70 and 31 days for people aged 71 to 74.

Policies for annual multi trips are available for people aged up to 79. Children aged 17 years or under are covered for free.

Travel Cover for over 50 pre-existing medical conditions are included.

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

Already Travelling Policy

Forgotten to take cover? Travel insurance has run out? No worries! Globelink will still get you covered!

Get cover online immediately with Globelink. You don\'t need to be in your home country, you can buy a policy from anywhere in the world even after you?ve started your trip. As long as your usual place of residence is in the UK or EU.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total

Seniors Travel Insurance

Travel the world regardless of your age. It is safe and easy with Globelink Travel Insurance.

Single Trip Travel Insurance for people aged up to 89 years and Annual Multi Trip Travel Insurance for people aged up to 79.

Why Choose Globelink

Available for eu and uk residents.

You can buy a Globelink Travel Insurance policy wherever you live within the UK/EU or EEA

Pre-existing medical conditions

Wide range of pre-existing medical conditions covered as standard for free.

Kids travel for free with family

Annual policies cover your children under 18 years to travel with you at no extra cost.

Available for age groups up to 89

Single trip policies are designed for up to 89 years old travellers. Annual policies are available for people aged up to 79.

Cruise Cover included as standard

We know you love cruising, so it is covered as standard on all policies.

100+ Sports & Activities covered

Globelink now covers more adventure activities than ever before.

Why Our Customers Love Us?

Average rating 4.5 / 5, from over 2323 reviews, 93% of our Customers rate their customer experience as Excellent or Great!

We have used Globelink for a few years. Their offer is good and they makes it very easy to apply for their coverage. So far, fortunately, we have not needed to submit any claims.

All our requirements were dealt with by Josie who was very helpful indeed. Would recommend this company to all. Regards Peter Byrne and Pamela Howd

Excellent service, helpful guidance and information. Patient and understanding.

I commend Globelink as one of the few companies that realise that there are fit 82 year olds that wish to travel and visit their families. Not many companies will insure us when we pass the age of 80

We have used Globelink International Travel Insurance several times: the website is easy to use and simple to navigate; the options for \"cover\" are varied and well explained and prices are appropriate to the cover offered. The process is quick and efficient. Thank you.

Renewal service was very easy to use, with the facility to make changes if necessary.

Very clear and easy to renew. Have used them for over 15 years. A little pricey but you get what you pay for

We have used Globelink for all our travels over the last 20 years. The website is easy to use & the cover excellent. Luckily we have never had to claim so am unable to comment on this.

I would like to take this opportunity to thank you and your team for the excellent service that you\'ve provided to me in choosing a travel policy. The caring nature of the team member. Thank you.

Very impressed with the simplicity and ease of use of the website. The price was also competitive and had my policy instantly after payment. Thank you Globelink I will definitely be a returning customer.

Frequently Asked Questions

Why is travel insurance to spain more expensive.

Globelink offer the same price for travel insurance cover to any European country. The cheapest policy is £ (based on 1 adult aged up to 50 travelling to any European country for up to 5 days). Unlike some other providers, we don’t charge more for Spain.

What travel insurance do i need for Spain?

It depends on your needs and trip duration. As a minimum you should ensure you have emergency medical cover and cover against cancellation and curtailment of your trip. Globelink offer a range of travel insurance policies with different cover options available, from budget Economy to Comprehensive cover.

How much does travel insurance for Spain cost?

It depends on the type of policy you choose, trip duration and number of travellers. The cheapest policy is £ (based on 1 adult aged up to 50 travelling to Spain for up to 5 days).

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

Get 20% OFF Covid Testing with any Travel insurance purchase