Travel Insurance for Spain

If you are interested in how to obtain travel insurance for travelers, tourists, students, etc. in Spain, you will find detailed information on our website. Here you can get insured online for travel to Schengen countries.

Main risks. What should be insured

What should you take care of first? Spain is a southern country, and it is very hot here in the summer. So much so that locals take a siesta during the hottest hours of the day. In some regions, the heat can be unbearable. So, sunstroke, heatstroke, and burns are commonplace.

At seaside resorts, there are additional risks. Therefore, the basic travel insurance for Spain is unlikely to cover them. Additional items need to be added. For example, if underwater swimming or any other extreme activity is planned during the trip, a policy with additional coverage for “sports/extreme” should be obtained.

A photo of a beautiful view of Pensicola in Valencia, Spain. Beautiful view of the sea on a sunny day

Separate medical insurance for a trip to Spain should take into account predictable risks. These include chronic diseases, allergies, problems that are likely to arise while traveling. Diabetes, asthma, hypertension, heart disease, epilepsy, weak and fragile bones are all risks that can lead to real difficulties and expenses.

Therefore, when obtaining medical insurance in Spain, the cost should include comprehensive medical assistance, taking into account the need for transportation to the nearest clinic and subsequent care.

If elderly people or young children are traveling, travel insurance to Spain takes into account the risks associated with their health, such as injuries or other health issues.

After reading reviews of Spanish clinics, you will find that the prices there are quite high.

ServicePrice (average), EUR
Visit to a private doctorUp to 200
Urgent consultation with a therapist250
General clinical blood test40-50
You cannot purchase insurance in Spain upon arrival. Therefore, you need to buy a policy before traveling abroad, as your documents will be checked when crossing the checkpoint.

Luggage insurance

When preparing to purchase insurance for your trip to Spain, consider how likely it is that you might lose something important at the airport. Items can get lost, bags can get damaged, or even stolen. Therefore, it’s best not to wait for trouble and instead obtain a policy that covers lost luggage. If it’s not found, you will receive full reimbursement according to the terms of the policy.

How to insure against flight cancellation

One of the important aspects of insurance when traveling to Spain is flight cancellation. Reasons for cancellation can be various, including:

  • An emergency situation at the airport;
  • Bad weather that impedes flight;
  • Border closures or other issues.

The cost of insurance in Spain can also include ticket refunds or cases when you’re detained for quarantine or other purposes, which causes your plans to be disrupted. This way, you won’t lose money on rental accommodations, other payments that can’t be refunded or rescheduled.

Gorgeous view of the village on the cliff and the serpentine road along the Mediterranean Sea in Tenerife, Canary Islands, Spain

Unexpected situations often happen to passengers at a country of permanent residence, and instead of flying to Madrid, a person may have to stay home. This could be due to a relative’s illness, work problems, a summons, and so on. We can even insure ticket refunds for such circumstances.

When obtaining insurance for a visa to Spain, additional coverage options are added to the cost. However, the final price remains advantageous.

Insure your liability

For instance, if you rent a car in Spain to travel around the country and accidentally damage it or break a jet ski, you don’t have to pay for the repairs out of your own pocket. There is a special insurance policy in Spain that includes liability for damage to rented property and third-party belongings.

Sports and Extreme Activities

Note that insuring athletes as well as enthusiasts of diving, yachting, and other extreme active recreation is a separate service. It is included in the policy as an additional coverage item.


How much does insurance cost in Spain?

The exact cost depends on the duration. For example, when taking out a policy for a year, you can receive a discount.

Is insurance required for a visa to Spain?

Medical insurance for a visa to Spain is a mandatory requirement. Schengen insurance is also suitable for entry into Spain.

Is insurance required for travel to Spain?

Yes, medical insurance with COVID coverage is required for travel to Spain.

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