Travel Insurance for Residents in Spain

If you are a Spanish resident planning your next trip, you can get travel insurance from:

• A local Spanish insurance provider.
• A worldwide insurance provider.

Make sure to compare your options here and choose the policy that would be best suited to your needs.

Please remember that travel insurance is reliable for short trips for purposes such as tourism; for more extended stays, you need valid health insurance for expats in Spain.

The Best Travel Insurance Providers for Spanish Residents

You can purchase an insurance policy from international travel insurance or local travel insurance providers in Spain:

International Travel Insurance Providers

• AXA
• Seven Corners
• IMG
• GeoBlue
• Globelink

Spanish Travel Insurance Providers

• Adeslas
• Asisa
• Sanitas

Cost of Travel Insurance for Spanish Residents

A basic insurance plan costs about €18 to €37 for a trip lasting one week. The fees depend on factors such as:

• The coverage limit. If you have a higher coverage limit, the price of the insurance policy is also higher.
• The length of your trip. The longer the trip, the more expensive the insurance policy will be.
• The country you are traveling to. For certain destinations, the insurance costs are very high because they are considered high-risk because of the crime rate, political issues, and expensive private healthcare.
• Your age. People older than 50-70 (depending on the insurance company) usually have to pay more for an insurance plan due to the high probability of having pre-existing conditions and having to claim expensive medical treatment.
• Add-ons. The cost will increase for any extra coverage you require. If you purchase an add-on for risky activities, rental car insurance, or cancel for any reason coverage, the price will increase.

Can Spanish Residents Use EHIC for Travel Purposes?

If you are enrolled in a statutory health insurance scheme in Spain, you can obtain an EHIC (Tarjeta Sanitaria Europea) and use it during your trips to other EU countries. However, as a non-EU national, you cannot use the EHIC in Denmark, Iceland, Liechtenstein, Norway and Switzerland.

Keep in mind that you cannot use the EHIC/TSE for repatriation, trip cancellations, lost belongings, etc. That’s why it is always recommended to obtain a travel insurance policy that covers your stay abroad.

What Does Travel Insurance Cover for Your Trip Outside Spain?

The most basic travel insurance plan will cover you for:

• Medical emergencies. For any medical emergency you may experience during your trip your insurance policy will cover you.
• Medical evacuation and repatriation. If you need to leave for immediate medical treatment or in case of death, travel insurance will cover everything.
• Travel cancellation/interruption/delay. If your trip gets canceled for a covered reason listed as a covered reason in their travel insurance policy, you will be refunded for your expenses.
• Lost/damaged/stolen belongings. If your possessions get lost, damaged, or stolen in transit, you will be compensated.

What Does Travel Insurance Not Cover for Your Trip Outside Spain?

You won’t be covered during your trip for:

• Canceled trip because of invalid reasons. If you provide reasons that the insurance plan lists as invalid, you won’t be covered.
• Pre-existing conditions. The insurance will not cover medical conditions for which you need treatment during a specified period before purchasing the plan.
• Dangerous activities. Standard travel insurance policies don’t provide coverage for extreme activities that involve a high level of risk.
• Unattended belongings. Your insurance provider may reject claims for belongings that were lost because you left them unattended.
• Normal pregnancy. Policies will not normally cover costs for normal pregnancy, and only some cover complications that arise because of pregnancy. You need to consult with different companies before you make a decision.

How to Choose the Best Travel Insurance Plan?

Bear in mind the following tips when choosing an insurance plan:

• Reasonable price. Make sure you purchase an insurance plan that covers all your needs abroad and has a fair price. However, if the plan is too cheap, see if it offers proper coverage.
• Medical evacuation and repatriation. A travel insurance plan is useless if it doesn’t offer you coverage for medical evacuation and repatriation in case you need to leave the country for a medical emergency.
• Evaluate exclusions. Check if an insurance plan doesn’t cover aspects for which you need coverage.
• Available customer service. A travel insurance plan that offers customer service is perfect if you need help during your time abroad. They can provide assistance in multiple languages, whether you need to find doctors in the country you are in, relay messages between you and your family, or arrange the process of medical evacuation or repatriation in case of a medical emergency.

For How Long Is Travel Insurance Valid?

The length of your travel insurance plan depends on the type of plan you purchase:

• Single-trip insurance – coverage for your whole trip until you return.
• Multi-trip insurance – coverage for multiple trips within one year.
• Long-stay insurance – coverage for one trip lasting more than one year.

Frequently Asked Questions