Best Travel Insurance for Spain (5 Sites to Search in 2024)

a man standing in front of a large clock tower

πŸ‘‰ Jump to:Best Spain Travel Insurance Providers | Requirements | Why Get Insurance | Safety | Tips | Methodology | FAQ

If you’re traveling to Spain and looking into where to purchase and compare travel insurance for Spain, this guide is for you. I’ll cover all the things you need to know about Spain travel insurance.

I am a former legal professional turned explorer and full time digital nomad. I’ve been on the road for over half a decade, including several stints in Spain.

Limited Flexibility: Cruise itineraries are predetermined, meaning visitors will have constrained time on each island and may not have the chance to explore destinations away from the beaten path.

Declarations: We do not offer insurance . This post is only for information. It is not insurance recommendations. Connections are associate connections. Using them assists this freelance blog. See our Advertising Policy.

Best Travel Insurance for Spain

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TravelInsurance.com (#1 Overall)

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Pros:

  • This insurance comparison site allows users to compare hundreds of options with just one click.
  • Reviews from customers are easy to find
  • Filters to search for CFAR & Covid-19

TravelInsurance.com is the website to consult when seeking to compare the policies of many different providers covering hundreds of insurance plans.

It isn’t exactly an insurance provider, but rather a search engine that aggregates quotes from numerous different insurers. It displays not only policies but also reviews from travelers who used their services.

Using the site`s handy filters, you can eliminate the plans that don`t suit your travel plans. For example, they have filters for things like COVID-19 coverages or CFAR (“cancel for any reason”) coverages:

a collage of photos showing different types of electronic devices

I think TravelInsurance.com is a solid site that allows searching for reasonably priced travel insurance to Spain with ease.

VisitorsCoverage (Comparison Site)

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Pros:

  • Very simple to customize your insurance coverage
  • Quotes tend to be more affordable

Cons:

  • Having an abundance of possibilities may feel overwhelming

I recently used travel insurance site to find a policy for my mom, and I really enjoyed the experience on the site.

VisitorsCoverage is an additional travel insurance comparison site, allowing input of dates and trip details to quickly uncover policy quotes from many providers for a Spain voyage.

Where VisitorsCoverage truly stands out is in its adaptability. They allow you to search for either trip insurance or just travel medical insurance. So, if you don”t care about trip delay or trip cancellation insurance for Spain, you may find cheaper quotes here solely for medical coverage for Spain.

Genki (Digital Nomad Health Insurance)

a sign with a picture of a cat on it function reportWindowSize() { let barContainer = document.querySelector(“#kb-progress-bar21888_ee5631-cf”); let type = “line”; let barSvg = barContainer.querySelector(“svg”); if ( ! barSvg ) { return; } let barPaths = barSvg.querySelectorAll(“path”); let path1 = barPaths[0]; let path2 = barPaths[1]; let stokeWidths = [1.75,1.75,2]; if( window.innerWidth < 768 ) { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[2]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[2] / 2) + ” L 100,” + ( stokeWidths[2] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[2] / 2) + ” L 100,” + ( stokeWidths[2] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[2]); path2.setAttribute( “stroke-width”, stokeWidths[2]); } else if( window.innerWidth < 1025 ) { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[1]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[1] / 2) + ” L 100,” + ( stokeWidths[1] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[1] / 2) + ” L 100,” + ( stokeWidths[1] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[1]); path2.setAttribute( “stroke-width”, stokeWidths[1]); } else { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[0]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[0] / 2) + ” L 100,” + ( stokeWidths[0] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[0] / 2) + ” L 100,” + ( stokeWidths[0] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[0]); path2.setAttribute( “stroke-width”, stokeWidths[0]); } } window.onresize = reportWindowSize; var waitForProgressBar21888_ee5631cf = setInterval(function () { if (typeof ProgressBar !== “undefined” ) { clearInterval(waitForProgressBar21888_ee5631cf); let responsiveStrokeSizes = [1.75,1.75,2]; let initialStroke; if( window.innerWidth < 768 ) { initialStroke = responsiveStrokeSizes[2]; } else if( window.innerWidth < 1025 ) { initialStroke = responsiveStrokeSizes[1]; } else { initialStroke = responsiveStrokeSizes[0]; } let progressBar21888_ee5631cf = new ProgressBar.Line(“#kb-progress-bar21888_ee5631-cf”, { color: “#ffcc00”, trailColor: “var(–global-palette7, #EDF2F7)”, duration: “2000”, easing: “easeInOut”, strokeWidth: initialStroke, }); let progressBarController21888_ee5631cf = new ScrollMagic.Controller(); let desiredAnimation = new ScrollMagic.Scene({triggerElement: “#kb-progress-bar21888_ee5631-cf”}); desiredAnimation.triggerHook(0.88); desiredAnimation.addTo( progressBarController21888_ee5631cf ); desiredAnimation.on(“start”, function (e) {progressBar21888_ee5631cf.animate( 0.9 , { duration: 2000, step: function(state, bar) { let value = 0; let elementContainer = document.getElementById(“kb-progress-bar21888_ee5631-cf”); let elementAbove = document.getElementById(“current-progress-above21888_ee5631-cf”); let elementInside = document.getElementById(“current-progress-inside21888_ee5631-cf”); let elementBelow = document.getElementById(“current-progress-below21888_ee5631-cf”); if( false ) { value = Math.round(bar.value() * 100 ); } else { value = Math.round(bar.value() * 5); } value = bar.value() * 5; value = Math.round( value * 10) / 10;value = value.toFixed(1); if( elementAbove ){ elementAbove.innerHTML = “” + value + “%”; } else if ( elementInside ){ elementInside.innerHTML = “” + value + “%”; } else if ( elementBelow ){ elementBelow.innerHTML = “” + value + “%”; } elementContainer.setAttribute(“aria-valuenow”, value); } } , function(){} );});} }, 125);

Pros:

  • Cost-effective monthly medical insurance
  • Simple claims process

Cons:

  • Only medical – not full travel coverage (no gear, theft, or trip delay provisions)

I recently started utilizing Genki for my own virtual nomad medical care insurance, and I truly enjoy it so far.

To be clear, Genki isn`t quite “full” travel insurance for Spain. Instead, it is more similar to medical health insurance for travel. It`s geared toward remote employees and digital nomads who are looking for a monthly subscription service that operates more similarly to a standard medical care plan.

If you necessitate a travel delay, cancellation, or other insurance, you`ll need to combine it with a more traditional Spain travel policy. Also note Genki has an age restriction, so isn`t an option for everyone.

Insure My Trip (Best for Seniors)

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Pros:

  • Generally locates quotes for seniors even when other sites won”t offer anything past a certain age
  • Also finds quotes for existing medical conditions

Cons:

  • The accommodation does not clearly state what kinds of coverage would be provided for issues related to COVID-19.
  • Clunky user experience

Insure My Trip is another handy search aggregator site, specifically useful for finding plans providing coverage for seniors or those with pre-existing conditions.

Insure My Trip works by aggregating hundreds of different policies so you can search for one suitable for you.

Insure My Trip also has a special feature called the β€œAnytime Advocates” service. Anytime Advocates is a personal representative that works in your favor to get your claims done faster.

Aardy (Travel Insurance Comparison Site)

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Pros:

  • Their “Best Price Guarantee” promises you won”t discover a lower cost
  • Insurers providing coverage for Covid-19 are clearly identifiable on this site.

Cons:

  • You have to give them your email simply to obtain a quote (quite bothersome!)
  • Less user friendly

Another online resource where you can find travel insurance for Spain is Aardy, an additional price comparison service that lets you examine estimates from several insurance providers.

I like how Aardy clearly highlights the COVID-19 coverages included in each plan, though I am not a fan of the way they require your email address just to get a quote.

Spain Travel Insurance Requirements

Is travel insurance compulsory for Spain?

Most visitors do not need travel insurance to enter Spain. It is not mandatory to purchase travel insurance for your trip to Spain, but the US Embassy in Spain still advises obtaining medical coverage covering your journey. According to their website, β€œIf you plan to spend any time in Spain, you should consider obtaining a policy that specifically covers expenses incurred overseas.”

While international travel insurance is not completely necessary for trips to Spain, there are meaningful benefits to securing such coverage. Personally, before departing on any global excursion, I make it a priority to obtain international medical insurance. Let me explain some reasons for this precaution:

Why I Get Spain Travel Insurance

a painting of a city with a statue of a giraffe

Choosing whether to purchase travel insurance for Spain is ultimately a personal decision since it is not a requirement for entry. I always choose to buy a policy no matter which country I’m traveling to.

As someone who travels full time to compose this blog, I”ve spent thousands of dollars on travel protection over the years. But I truly think it”s well worth the investment.

Here are the primary reasons why I individually acquired Spain travel insurance for my last visit:

COVID-19

While many Americans currently have the vaccine, that does not mean your travel plans won`t be impacted by Covid-19. An article from The Washington Post outlines some of the effects of traveling during Covid-19, and all the various ways the ongoing pandemic can interfere with a trip.

One thing that may help offer peace of mind concerning travel amidst Covid-19 is protection from Spain travel insurance. Be sure to carefully examine the clauses and conditions to see what losses are and are not covered.

There are various ways the COVID-19 pandemic may impact your trip, and no travel insurance provider known to me provides coverage for each potential impact. Therefore, it is best to consider which coverages are most crucial when comparing policies.

Travel Insurance and Accidents, Illness, and Crime

Though you should always carefully read the terms and conditions, Spanish travel insurance plans often offer the subsequent types of benefits:

😷 Emergency Medical Coverage

  • What Emergency Medical CoverageIs: If you get hurt or feel unwell during your trip, emergency medical coverage may cover medical costs provided you bought a plan that covers the activities you were participating in. Travel medical insurance often includes protection for things like urgent hospital visits for accidents and sicknesses.
  • Importance: Unforeseen health issues or accidents could arise anytime while abroad. A major medical bill paid out of pocket could become very expensive, but emergency health insurance provides peace of mind against costs from covered scenarios.

✈️ Trip Cancellation Protection

  • What Trip Cancellation Protection Means: Trip cancellation protection is a benefit that repays you for part of your non-refundable deposits if your trip is called off for a covered reason.
  • Why It Matters: Non-clinical crises can occur too, so I always found it wise to acquire a program with more than just wellness insurance. Whether it’s a natural disaster or a familial emergency, having the option to get a refund is constantly a prudent choice.

πŸš‘ Emergency Medical Evacuation

  • What Covering Emergency Medical Transport Refers To: Emergency medical transportation alludes to the expenses of moving you on the off chance that you`re unable to travel independently. On the off chance that you`re doing any experience exercises, similar to strolling in Spain, you may pay additional unique mind to the conditions and limitations encompassing this advantage.
  • Why It Matters: Having to be evacuated is among the scariest situations for travelers. Without health insurance coverage including evacuation, medical costs to fly you home can easily skyrocket into the hundreds of thousands of dollars.

πŸš™ Car Rental Protection

  • What Car Rental Protection Is: As with any developed nation, Spain necessitates insurance while operating a rented car. Home policies may not apply abroad, so this helps when road tripping through Spain.
  • Significance: Self-driving around Spain can greatly enhance your trip experience. Why risk driving without required Spanish car insurance and break the law?

πŸ’» Lost or Stolen Luggage Protection

    My sole issue with this star tracker involves the EQ wedge; the quality does not match the rest of the SkyGuider Pro and I advise obtaining an alternative such as the William Optics model.

  • Importance: By having lost baggage protection, you’ll be able to pay for new items if your airline loses your checked bags (pro tip: keep your valuables in your carry on bag regardless). Spain, like nearly all European countries, is extremely safe, although petty crime and pickpocketing exist in cities.

Other Spain travel insurance plans offer varying services. Some cover emergency assistance while others protect against stolen identification.

Some are just for medical insurance. When searching for travel insurance, always pick the coverage best suited for your specific travel needs, and be sure to read the terms and conditions carefully.

Spain Travel Safety

a woman sitting on a bench in front of a fountain

Before any travelers grow concerned about possible dangers of travel to Spain, let me make one thing clearβ€”taking a trip to any of the Schengen area nations is exceptionally safe.

The crime rate, for both minor and violent crime, is lower in Spain than in any major U.S. city. Still, traveling anywhere unfamiliar always involves risks. Let’s breakdown some of the travel safety tips for Spain:

Crime in Spain

Overall, criminal activity is much lower in Spain than in countries such as the USA or numerous others. Violent crimes are nearly non-existent for tourists and generally, Spanish citizens treat visitors with respect.

If an undesirable event were to occur, it would likely involve petty theft or pickpocketing. These problems are especially notable in popular Spanish destinations such as Madrid, Barcelona, and Santiago de Compostela. When touring Spain, I always remember to:

  • πŸ‘€ Keep a watchful eye on your possessions. Petty theft is more prevalent in Barcelona and the capital Madrid than other major Spanish cities. Ensure careful observation of your items.
  • πŸ’Ό Only keep a few key items on you at a time, like your phone and wallet. Don’t bring all of your money and cards with you because if they do get stolen, you’ll be left with nothing in a foreign country.
  • πŸ™ As a visitor, always keep your medical documents on hand at all times. If you need to use your travel health insurance, you`ll want easy access to avoid expenses.

Healthcare in Spain

a toy fire hydrant sitting on top of a table

Healthcare in Spain involves a dual public and private system. The government backs a state-run healthcare option, but there is also a parallel private sector. Approximately 90% of residents use the public alternative.

Visitors from Europe may be eligible for free or reduced care in Spain`s public healthcare system by presenting a European Health Insurance Card (EHIC). However, tourists to Spain from the United States or other non-European nations will need to pay – so bringing travel insurance is wise.

Overall, healthcare standards in Spain are quite high, with the Spanish healthcare system consistently rated among the best globally according to several third-party evaluators.

Spain Travel Tips

a park filled with lots of green plants and trees

  • πŸ—ΊοΈ Top Destinations in Spain: The capital city of the semi-autonomous Catalan region, Barcelona, is typically the most visited spot for travelers exploring Spain, though I tend to prefer the vitality of Madrid. If witnessing amazing cathedrals not commonly found in the USA interests you, stopping in Seville or Santiago de Compostela could be worthwhile. For an underrated coastal metropolis, check out Mojacar.
  • πŸ“† Preferred Time to Explore Spain: Many visitors and non-residents flood Spain in the summer months. Since it becomes quite packed in the summer, plus the heat, I tend to visit Spain in the transitional seasons of spring and autumn. The crowds are lighter, mostly just Spanish citizens, and the temperatures aren’t as intense.
  • 🏝️ Begin Planning: With our guide to the prime beaches on St. Croix!

  • πŸ’Ά Currency: Spain`s currency is the Euro. Before adopting the Euro in 2002, the peseta was utilized.
  • πŸ—¨οΈ Language: Spanish is the official language, although minority languages exist in the regions of Catalan, Galicia, and the Basque Country for their residents. Around a fifth of all Spanish residents speak English, so getting around with English while on my visit to Spain was effortless.
  • πŸ›‚ Schengen Visa: Spain is part of the Schengen region, so if you are traveling outside of Spain before or after your trip, be cognizant that your days in other nations in the Schengen region may count against the time you are permitted for visiting Spain.
  • πŸ›‚ US Embassy: The US Embassy & Consulate in Spain & Andorra is situated at Calle de Serrano, 75 28006 Madrid, Spain ( Google Map). The telephone number for the US Embassy in Spain is +34 91-587-2200. There is also a US Consulate Office located in Barcelona at Paseo Reina Elisenda de Montcada, 23, 08034 Barcelona, EspaΓ±a ( Google Map).

Methodology

I have personally utilized and tested the mentioned sites. I have purchased policies both for myself and for family associates traveling to meet me.

In evaluating travel insurance options for Spain, I considered transparency, overall user-friendliness, and customer reviews from policyholders who`ve submitted claims.

These are some factors I considered when ranking the Spain travel insurance sites in this guide. Of course, rankings are subjective, so be sure to review the sites yourself and make your own judgement.

FAQs About Travel to Spain & Insurance

Does Spain have free healthcare for tourists?

Folks visiting Spain from abroad typically need medical insurance since Spain does not universally provide free healthcare. While Europeans can access reduced cost care using their European Health Insurance Card (EHIC), those from outside Europe like America must pay out of pocket or carry travel insurance to cover any costs.

Can you still get travel insurance for Spain?

Many insurers will provide Spain travel protection selections to customers searching for it. At one point earlier in the pandemic, some underwriters stopped issuing travel insurance entirely, but now most have started releasing policies again. Travelers are encouraged to carefully read the terms and conditions of any policy before purchase.

Why is Spain excluded from travel insurance?

Some insurance providers in Europe have excluded coverage for destinations such as Spain, Malta, and Cyprus in light of concerns over healthcare costs. However, many other companies will cover travel to Spain so individuals are advised to verify with their insurer or survey comparative quotes through travel insurance comparison sites focused on Spain.

***

That concludes this guide to the best travel insurance for Spain. Be sure to check out all our Europe and Spain travel guides, as well as our other guides to choosing the best travel insurance.

I hope I assisted in finding the information needed to discover the best Spain travel insurance for the trip. Enjoy visiting Spain!

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Welcome to my travel website! I’m Mary Howard, an American who has been exploring the world full-time for 8 years.

Together with my husband, Intan, we often find ourselves in our second home, Bali, but our adventures take us to exciting destinations all over the globe.

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