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• Travel insurance for Spain

Every year, millions of holidaymakers from the UK head to Spain for its combination of glistening beaches, unique culture and Mediterranean cuisine.

If you’re planning a trip, get up to speed on what you should consider when buying travel insurance for Spain. Understand what your policy covers. Don't forget you Ghic or valid Ehic. And enjoy a safe holiday.

Healthcare for Brits in Spain

Healthcare arrangements for UK travellers visiting EU countries like Spain have changed as of 1 January 2021.

If you're a UK citizen travelling in an EU country, you can apply for a UK Global Health Insurance Card (Ghic) that will provide access to emergency and necessary state healthcare while you're there for free or at a reduced cost. If you have an existing Ehic, its predecessor, that is still in date, you can use that for the same.  Read more about Ghic and Ehic .

Remember, Ehic and Ghic don't cover everything. For instance, repatriation and airlift rescues aren't included. So you should buy travel insurance with medical cover to ensure comprehensive protection too.

Like the UK, Spain has both public and private healthcare systems, sometimes operating out of the same clinics or hospitals.

If you need to access healthcare, it may be worth insisting you are treated at a public health centre or hospital. Travel insurance may cover you for private healthcare, but it’s worth checking your policy before you depart to be aware of your options in case something goes wrong.

The Spanish word for the accident and emergency department is “urgencias”. The emergency phone number is 112 or 061 for an ambulance.

Some regions of Spain are remote and ambulances might take some time to get you to the nearest public hospital. If you are staying somewhere remote, it’s a good idea to check where the nearest health centres are and whether they are private or public before you leave. This is particularly important if you have pre-existing medical conditions.

Protect what matters when you go with good travel insurance

Travel risks in spain.

The most common travel risk faced by holidaymakers in Spain is theft. This can come in many forms, such as pickpocketing or things going missing from hotel rooms. The Foreign and Commonwealth and Development Office (FCDO) travel advice for Spain  warns that thieves are likely to go for money and passports, so ensure that these are well protected.

That doesn’t mean to say that the rest of your belongings are safe. It's important to insure your gadgets , especially smartphones, which are always targets for thieves. Stay alert and don’t advertise your belongings.

Thieves may work in gangs and use distraction techniques to rob you, such as asking for directions with a map. While no one wants to be antisocial on holiday, always be on your guard against people who appear suddenly and are over-familiar.

There are instances of thieves playing a longer game in order to scam or rob people, perhaps even offering to take you out for drinks. Again, always be mindful of a person’s motivations and keep your belongings on you at all times.

Dangers of drinking excessively in Spain

Lots of us enjoy a tipple whilst on holiday, but there are dangers of taking it to excess aside from obvious health concerns.

Having an accident while intoxicated or requiring medical care as a result of drinking alcohol may impact your travel insurance cover. Read your policy documents carefully to understand the risks.

There are risks that don’t mix with alcohol regardless of how much you’ve had. Clearly, driving a car or riding a moped should be avoided. Spain’s drink driving limit is much lower than the UK’s – 0.5 milligrams of alcohol per litre of blood versus our 0.8 – so it may be safer not to drink and drive at all. This is even stricter for new drivers, where the limit is 0.1.

The FCDO have a safety and security section on their Spain travel advice page which includes the risk of balcony falls which are often alcohol-related.

Drinking alcohol during the day in the heat of Spain can dramatically increase the risk of dehydration. Try to stay shaded and, even if you don’t feel like it, drink a lot of water.

Regional considerations

Follow the advice above and always be aware of people approaching you suddenly or touching you, even if it is lightly.

There are areas particularly notorious for pickpocketing, like La Rambla and Sagrada Familia, however it’s important to be on your guard everywhere.

You should exercise the same caution in all major cities, including Madrid, Seville, Bilbao, Granada and Alicante.

Popular activities in Spain – are they covered?

Most of what you will want to do in Spain won’t be considered an ‘activity’ from an insurer’s perspective – such as walking around, eating out, seeing the culture and sunbathing.

But remember that your insurance might not cover you for a range of beach, water and adventure activities, so check your policy before you leave and take a copy of your policy documents with you in case you want to check if you can do something on a whim.

Things that you might not be covered for include pony-trekking, surfing, banana boating, quad biking, renting scooters or mopeds (unless certain safety precautions are observed), scuba diving while not part of an organised group and more.

Taking part in organised activities with licensed groups will be safer and more likely to be covered, but always make sure you’ve checked your policy beforehand.

Always have travel insurance

Being safe and aware of danger isn’t always enough to prevent something undesirable happening to you while you’re away. There are many ways you could simply be unlucky while away.

While you can’t completely guard against all eventualities, you can make sure that you’ve got adequate travel insurance .

Does Lanzarote come under Spain for travel insurance?

The Canary Islands are part of Spain, which in turn is part of Europe, so you’ll usually find travel insurers class islands like Lanzarote as part of Europe in their policies. That’s certainly how we do it with Post Office Travel Insurance – but you should always check the policy to be sure, whoever the provider. Read more about travel insurance for the Canary Islands .

Does Majorca come under Spain for travel insurance?

Majorca (or Mallorca) as well as Menorca, Ibiza and the other Balearic Islands, are part of Spain and so insurers treat them that way when offering their policies and providing a quote for cover. Usually, that means including Spain as part of cover for Europe as a whole. For example  Post Office Travel Insurance counts the Balearics, Canaries and other Spanish islands as part of Spain. It’s important to always check the policy wording to be sure the destination you’re travelling to will be covered, though.

The currency for Spain is the euro , which is one of many currencies you can load onto prepaid travel money cards .

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Travel Insurance for Spain

• Up to £10m emergency medical expenses cover including repatriation.
• Personal liability cover up to £2m on Gold cover with up to £1m on Bronze cover.
• Up to £2,000 personal possessions cover to help in cases of lost, stolen, damaged or destroyed luggage.
• Unlimited access to HealthHero - our 24/7 video or telephone GP helpline based in the UK.

Spain's a country that captures the heart of anyone who visits. Madrid and Barcelona are energetic cities that are packed with plenty to do; the Costa del Sol is renowned for its beautiful Mediterranean beaches, while the Pyrenees and the Picos de Europa are among the best mountain ranges on the continent. Alternatively, you can explore the Moorish towns of the south, go on a cultural pilgrimage to Bilbao, or head off to the Canary Islands.

Food and wine are national obsessions in Spain and many of the country's best recipes have been handed down through the generations. Side streets in the cities are often packed with ornate tapas bars and Michelin-starred restaurants, where you can try the freshest fish and latest Mediterranean dishes. Don't worry about being too full after lunch, either; you can treat yourself to a siesta like a local.

Spanish is the country's national language, but many people in Spain also speak variants of Catalan, Galician and Basque. Like many other countries on the continent, Spain's currency is the euro. It's easily accessible and tradable, so you can exchange your money before you travel or when you arrive.

No matter where you're heading in Spain, it's important that you get travel insurance to help protect you against risks you may encounter. We offer different levels of cover, so you can choose an insurance type to suit your needs. If you're taking a family holiday to Mallorca, for example, then you may find that our Family travel insurance is best suited to your needs. But if you're planning to visit to one of the Balearic Islands like Ibiza with friends, then our Group policy may be better.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Do I need to travel insurance for Spain?

Yes, we'd recommend that you get travel insurance if you're travelling to Spain from the UK.

Even though Spain is close by and a safe place to visit, we recommend you still take out travel insurance before you travel abroad, because accidents can still happen. For example, your flight may be delayed or cancelled, you may injure yourself walking along the beach or you may have your personal items stolen by an opportunistic pickpocket. Thankfully, our travel insurance for Spain helps cover you for these eventualities, including medical expenses, cancellation cover, and more.

Why may I need travel insurance for Spain? 

Although the European Health Insurance Card (EHIC) or the Global Health Insurance Card (GHIC) is an important document, it doesn't replace travel insurance for Spain. Like the UK, Spain has both public and private healthcare, so some treatment might be free if you travel with a valid EHIC or GHIC. But your EHIC or GHIC will not cover you for everything; if you experience a medical emergency and need medical repatriation or mountain rescue, for example, you'll need to pay for it. And if you fall ill or get injured in Spain and require healthcare that isn't covered by an EHIC or GHIC, you'll have to pay for the medical expenses yourself which may include private treatment – unless you travel with insurance.

Despite the UK leaving the EU in January 2021, the EHIC remains valid for UK holders until the expiry date of their card. However, once your EHIC has expired you will have to apply for a Global Health Insurance (GHIC). The GHIC will take the place of the EHIC and can be applied for and ordered now if you don't already own an EHIC.

Our Single Trip , Annual and Backpacker  policies can help keep you protected during your holiday to Spain, with policies that include medical cover and cancellation cover. Across our Single Trip and Annual policies, you can choose from our Bronze, Silver or Gold levels of cover. Depending on the level of cover you choose, you'll be protected for:

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Frequently Asked Questions

If you’re planning to visit Spain on a holiday, then you can stay for up to three months without a visa.

Please note that, despite the UK leaving the EU, you still won't require a visa to travel to Spain on holiday unless you are staying in the Schengen area, or elsewhere in the EU, for up to 90 days in any 180-day period.

Spain is generally considered to be a safe place to visit, and most holiday-makers enjoy problem-free trips. But there are still some things you should be aware of when you visit Spain.

Firstly, like many countries, Spain’s busy tourist areas attract opportunistic criminals. If you’re heading to popular spots like La Sagrada Familia in Barcelona or the Santiago Bernabéu Stadium in Madrid, then you should be wary of pickpockets. Try to keep valuables hidden away in a zipped pocket or bag, and always make sure they’re out of sight when not in use. Thankfully, if the worst does happen and you’ve taken out our Silver or Gold travel insurance for Spain, then your belongings, including your cash and your passport, are covered.

You must also be careful when consuming alcohol. Recently, there have been a number of serious incidents  (some fatal) where people have fallen from balconies while under the influence of alcohol or drugs. As well as having a devastating impact on your family and friends, if you injure yourself (or worse) whilst under the influence of alcohol or drugs, your insurance will be invalid. For full information, please see the General Exclusions information in your policy documents.

Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021 we will temporarily be unable to offer cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby. This is only for the short term, while we make improvements to our online booking process. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased before 5th May 2021 aren’t affected and your cover won’t change.

Whether you want to try your hand at surfing in Santander, fancy trekking in the Picos de Europa National Park or want to cycle around the plains, hills and mountains of Majorca, our Spain travel insurance policies cover a number of sports, leisure and adventure activities as standard.

But if you want to try something a little bit riskier, you may need to add cover to your travel insurance policy. We are currently unable to offer our  Sports and Leisure Activities insurance for higher risk Category 1 and Category 2 activities like kite surfing and rugby, but we are hoping to be able to provide this option again in the near future. 

To understand exactly what you’re covered for, and to see what terms, conditions and exclusions apply, please check your policy documents .

The cost of your travel insurance for Spain will depend on a number of factors, including:

• The age and number of people travelling
• The length of the trip
• Whether anyone has a pre-existing medical condition they need to declare, since this may affect your eligibility
• Whether they need additional cover

To understand exactly how much your travel insurance for Spain will cost you, visit our Get a Quote page. 

Before you travel to Spain, there are a number of things you should know. Firstly, smaller villages and towns are likely to honour siesta, which means that shops, bars and restaurants will close for a period of time in the afternoon.

In Spain, mealtimes tend to differ to the UK. This is most evident in the evenings, when restaurants will open later. Many Spanish people eat their evening meal after 9pm, so if you’re travelling with children and need to eat earlier, then you may have to do some research on restaurant opening times before you set off.

In the summer months, the weather can be extremely hot and sunny. Even if the forecast isn’t great, you should still pack plenty of sun cream, in case the weather improves whilst you’re away. And if it is sunny during your visit, you should avoid being out in the direct sunlight for long periods.

Finally, languages and cultures vary across the country. For example, if you visit the north-eastern area of the country around Barcelona and Costa Brava, you’re likely to be surrounded by a Catalan culture and language. But, if you visit the region that straddles the border between France and Spain, then you’ll see the Basque culture and language. As a result, you should research the area you’re visiting before you travel, to see whether there’s anything you need to know about the local culture before you arrive.

Popular products from Allianz Assistance

Family Travel Insurance

Single Trip Travel Insurance

Annual Multi-Trip Travel Insurance

Sports & Leisure Insurance

Travel Insurance for Medical Conditions

Cruise Travel Insurance

Policy documents

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.

Claims assessment

Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

Your claims outcome

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.

Travel guides and advice

The GHIC card explained

Travelling whilst pregnant

Essential advice for mums-to-be on how to keep yourself and baby safe whilst travelling. 

Driving in Europe: Tips

Best alternative city breaks

Need help? Call us on: 0371 200 0428

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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

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See our recommendations for travel insurance to other countries worldwide:

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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.

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.

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.

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Schengen travel insurance for U.K nationals traveling to Spain

Do i need travel and medical insurance to visit spain from the u.k..

If you are a U.K. citizen wishing to travel to Spain, you do not currently need a visa to travel to the Schengen Area if you plan on staying for fewer than 90 days, as the country currently has visa-free travel arrangements with the Schengen Zone of countries, despite Britain’s departure from the European Union (EU) and the end of its transition period at the end of 2020.

This means that travel and medical insurance are not a necessity for British citizens visiting Spain for a trip lasting up to 90 days, but it is recommended as you may not be covered for all treatment and mishaps. From 2023, you will need to apply for ETIAS visa authorization to visit Spain and other EU states. which will allow you to visit the Schengen Area without the need for a visa, even though the U.K. has left the EU. It has not been announced when the ETIAS will be mandatory, but EU officials have said it will be in place in 2023.

There are, however, some changes to Britain’s arrangements with the EU that affect travel to Spain. For example, most U.K. residents can no longer apply for the European Health Insurance Card (EHIC) and must apply for the U.K.’s Global Health Insurance Card (GHIC) to ensure they are covered for necessary medical treatment in Schengen states. As the GHIC will not cover all treatment or mishaps, it is a good idea to get travel and medical insurance that covers you for more extensive medical costs and lost luggage.

Non-U.K. nationals living in Britain who wish to travel to Spain

If you are living in the U.K. and are a citizen of a country without a visa-free travel arrangement with the European Union and Schengen Zone, you will need to apply for a Schengen Visa, even for a visit lasting fewer than 90 days, meaning you will need travel insurance covering you for medical and repatriation costs up to €30,000 that is valid in all 27 Schengen states, including Spain, as this is a condition of obtaining a short-stay Schengen Visa.

Registering for healthcare

Those wishing to become a resident in Spain for a longer period will need to register to access healthcare at your local health center with your social security number, which you can find via your local National Social Security Institute (TGSS) office in Spain. Dependents will need to register separately. You may also be entitled to a Spanish European Health Insurance Card (EHIC) entitling you to free or discounted treatment when traveling in the EU and the U.K. As this does not cover all medical treatments you may wish to take out additional insurance.

What are my options when buying Schengen travel insurance from AXA?

For those on a strict budget or who want basic coverage, AXA provides Low Cost Schengen Area travel insurance that meets your visa requirements from as little as 22€ per week. This will cover you for medical expenses up to €30,000 in all Schengen countries and offer you coverage in case of repatriation. A certificate proving you are insured will be available immediately.

Europe Travel

AXA also offers other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing 33€ per week - this is perfect for those traveling with family as it covers children under 18, or for those planning more adventurous activities during their trip as it covers expenses up to €100,000. With this type of insurance, you are also covered for loss of documents or other important items, as well as other problems you might encounter during your trip.

Schengen Multi Trip insurance, perfect for business travelers making regular visits, can be bought for €328 for a year’s coverage and has the same benefits as Europe Travel but can be used throughout a year on multiple trips.

AXA also has other insurance products tailored to meet the needs of those planning to move to Spain to study, work or live, such as international insurance or plans tailored to students completing their education abroad.

Registering your pre-existing conditions to take out insurance

You will need to declare any pre-existing conditions. AXA has made it easy for you to do so by answering a few quick and confidential questions during the quote process. We should be able to offer insurance that covers the conditions you have declared. Claims relating to any conditions not declared to us will not be covered.

Related article :  Schengen travel insurance for U.K nationals traveling to France

Frequently asked questions about obtaining travel insurance for a visit to Spain

How do i contact axa to make a claim during my trip.

If you need to contact us while requiring assistance during your trip to Spain - you can email the AXA Help Team on [email protected] or log in to your online account and follow the simple steps on the claims page. For support in a medical emergency: call our 24-hour helpline on +44 (0)1737 815626. Call charges may vary.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused - AXA will refund your insurance fees - but you will need documentation from officials.

Do AXA’s policies provide cover if I contract Covid-19 in Spain?

All AXA policies include cover for emergency medical expenses due to coronavirus or for cancellation caused by you becoming ill with coronavirus. However -several policies no longer cover the cancellation of holidays if regulatory bodies advise against travel due to the pandemic.

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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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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!

Globelink Internatiobal Travel Insurance are the most competitive and safe travel insurance Company to deal with. Their web site is easy to navigate and is supported by a helpful on line system. We have used them for travel in the USA, Caribbean, Greek Islands and the Mediterranean and every time their cost is better than other companies. My wife and I are Senior\'s, so naturally we look to cover us both 100% and can always rely on Globelink to provide us with adequate travel insurance cover. William Cox

Very easy website to use and always helpful if you phone.

I have used them twice before and found them very easy to deal with They also have insurance for the over 80s

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.

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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.

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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

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Foreign Office issues warning to Brits if you're going to Spain on holiday

One that will matter to a big chunk of people travelling from the uk to spain.

Tom Earnshaw

The UK government has issued a warning when it comes to Brits heading overseas to Spain. And it's one that could cost you dearly if you don't pay attention.

Changes in official government advice if you're heading to Spain were published today (29 May) by the Foreign, Commonwealth and Development Office.

The Foreign Office regularly reviews official government advice when it comes to Brits heading to every corner of the globe. This includes the likes of Australia .

And it is not the first piece of updated advice the Foreign Office has put out there this year about Spain , with a fresh passport warning issued just weeks ago .

Official guidance is updated often and can be relatively minor. But it also includes significant updates regarding warnings and insurance problems.

Entry requirements are also kept up to date, so it's pretty important to check if you're not sure.

Updated travel advice for Spain

Today, the Foreign Office updated its safety and security information when it comes to Brits heading to Spain .

It's not the first warning issued for Spanish travel in recent weeks, with massive rule changes also brought in that massively alters why some people head abroad in the first place.

The new update concerns car safety requirements that if not obeyed, can get you in trouble with the law.

In particular, it concerns car child safety requirements.

What does it say?

"Seatbelts are compulsory for all passengers in the front and back seats," the Foreign Office writes.

"Children under 1.35m in height must use an approved child safety seat secured on the back seat.

"Children are only permitted to travel in the front seat of the car if the rear seats are already occupied by other children or if the vehicle does not have rear seats."

There's also advice on what you have to do if you're hiring a motor .

It says: "Car hire agencies can provide child seats, so let them know you need one when you reserve the car.

"Incorrect installation of a child seat or not wearing a seatbelt can be considered a serious offence and met with fines.

"It is illegal to use a mobile phone when driving, even if you have pulled over to the side of the road. You must be completely away from the road.

"Using an earpiece is also illegal. Only completely hands-free units are allowed."

In Spain, the police can give you on-the-spot fines for a variety of driving offences including speeding. If you accept the fine and pay within 20 days, it will be reduced by 50%.

Topics:  Travel , UK News , World News , Europe , Holiday , Driving , Cars

Tom joined LADbible in 2024, specialising in SEO and trending content. He moved to the company from Reach plc where he enjoyed spells as a content editor and senior reporter for one of the country's most-read local news brands, LancsLive. When he's not in work, Tom spends his adult life as a suffering Manchester United supporter after a childhood filled with trebles and Premier League titles. You can't have it all forever, I suppose.

@ TREarnshaw

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NSM Insurance Group to Acquire U.K. Travel Insurance Leader InsurEVO

CONSHOHOCKEN, PA — NSM Insurance Group recently signed a definitive agreement to acquire InsurEVO, a prominent personal lines travel MGA based in the U.K. InsurEVO operates two leading travel insurance brands, AllClear Travel and InsureandGo, which collectively serve over three million customers.

The deal, subject to regulatory approvals and customary closing conditions, marks a significant expansion for NSM Insurance Group. “Today marks an exciting new chapter for AllClear and InsureandGo. We are delighted to welcome these renowned brands to the NSM family,” said Geof McKernan, CEO and Founder of NSM Insurance Group. McKernan praised Chris Rolland, Group CEO of AllClear and InsureandGo, for his leadership and technological advancements that have fueled growth.

Since 2000, AllClear and InsureandGo have provided travel insurance to millions. Both brands focus on delivering seamless and efficient customer experiences. Their success is driven by advanced digital platforms and award-winning customer service.

Chris Rolland expressed enthusiasm about the acquisition. “We’re absolutely thrilled to join forces with NSM to help us continue to grow and scale the business,” said Rolland. He highlighted the dedication of his team over the past two decades and looked forward to further growth under NSM’s guidance. “NSM has the prowess and proven track record to help our business grow by expanding our distribution channels, enhancing our technology platforms, and increasing our global reach.”

This acquisition will likely bolster NSM’s presence in the travel insurance market, leveraging InsurEVO’s established reputation and customer base. The collaboration aims to drive innovation and deliver superior value to clients worldwide.

In summary, NSM Insurance Group’s acquisition of InsurEVO positions both companies for enhanced growth and expanded market presence. As they integrate their capabilities, they aim to set new standards in travel insurance and customer satisfaction.

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• Passports, travel and living abroad
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Warnings and insurance

The Foreign, Commonwealth & Development Office ( FCDO ) provides advice about risks of travel to help British nationals make informed decisions. Find out more about FCDO travel advice .

Areas where FCDO advises against all but essential travel

Your travel insurance could be invalidated if you travel against FCDO advice. Consular support is also severely limited where FCDO advises against travel.

Termez region

FCDO advises against all but essential travel to within 5km of the Uzbekistan-Afghanistan border, except for the city of Termez and connecting roads from the North.

Find out more about why FCDO advises against travel

Before you travel

No travel can be guaranteed safe. Read all the advice in this guide as well as support for British nationals abroad which includes:

• advice on preparing for travel abroad and reducing risks
• information for women, LGBT+ and disabled travellers

Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also sign up to get email notifications when this advice is updated.

Travel insurance

If you choose to travel, research your destinations and get appropriate travel insurance . Insurance should cover your itinerary, planned activities and expenses in an emergency.

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

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