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The top travel insurance providers for Spain include Allianz, April International, AXA, Geoblue, and MSH International. Travel insurance is mandatory for those entering Spain with a Schengen visa. For those who can enter without a Schengen visa, travel insurance is not required but is recommended.
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If you’re wondering what coverage you need for your trip to Spain, this article should answer your questions. Finding the right coverage for your needs and budget gives you the financial and medical security to spend your time in La Roja worry free, whether it’s a short getaway or an extended stay.
We will outline everything you need to know about travel insurance for your time in Spain in this comprehensive Pacific Prime guide. We’ll also compare top-rated providers, explain travel requirements to Spain, give safety and travel advice, and more.
If you’re looking for more information on Spain’s healthcare system, consider browsing our articles on how the healthcare system in Spain works and health insurance options in the country. For those who are prepared to pick a plan, we have you covered with free, no-obligation quotes.
The Best Travel Insurance Providers in Spain
Pacific Prime’s top five picks for the best travel insurance providers for travelers in Spain include Allianz, April International, AXA, Geoblue, and MSH International. Here is a brief overview of each provider:
Allianz
Allianz Travel offers Schengen-compliant insurance as well as other top-rated international travel insurance plans for a stress-free Spain vacation. Their single-trip travel insurance options include the following plans:
- OneTrip Prime: trip cancellation up to USD $100,000; trip interruption up to USD $150,000; emergency medical up to USD $50,000; baggage loss or damage up to $1,000; and much more.
- OneTrip Basic: trip cancellation up to USD $10,000; trip interruption up to USD $10,000; emergency medical up to USD $10,000; baggage loss or damage up to USD $500; and much more.
- OneTrip Premier: trip cancellation up to USD $200,000; trip interruption up to USD $300,000; emergency medical up to USD $75,000; baggage loss or damage up to USD $2,000; and much more.
- OneTrip Emergency Medical: emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; travel accident coverage up to USD $10,000; and much more.
- OneTrip Cancellation Plus: trip cancellation up to USD $5,000; trip interruption up to USD $5,000; travel delay up to USD $150, plus 24-hour hotline assistance.
Their multi-trip plans include:
- AllTrips Basic: emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.
- AllTrips Premier: trip cancellation and trip interruption with options from USD $2,000–$15,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $500,000; baggage loss or damage up to USD $2,000; travel delay up to USD $1,500; and much more.
- AllTrips Executive: trip cancellation and trip interruption with options from USD $5,000–$10,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; baggage loss or damage up to USD $1,000; travel delay up to USD $1,600; cover for business equipment; and more.
- AllTrips Prime: trip cancellation up to USD $3,000; trip interruption up to USD $3,000; emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.
Their Schengen-compliant plans offer benefits for:
- Up to USD $50,000 in emergency medical expenses in case of accident, sickness, illness or injury
- Up to USD $200 if your baggage is delayed
- Up to USD $2,000 in case of trip cancellation
April International Travel Insurance
April International has provided professional, simple coverage for over 30 years, making them an excellent choice for your time in Spain. They offer travel insurance with unique benefits, such as coverage for pre-existing conditions, and even a Schengen visa insurance plan.
April International’s Schengen-compliant plan comes with an insurance certificate right away when applying online, which is required for your Schengen visa application.
Additional benefits of choosing April International include:
- Coverage for as little as one month and up to one year
- Access to private medical facilities of your choice across 2 million providers
- Local teams and experts offering assistance in multiple languages
- Coverage in over 180 countries
AXA
AXA, a European-based provider, offers top-of-the-line cruise, Schengen, domestic, and international insurance plans for all types of travelers. Their international travel insurance plans come in three tiers: Silver, Gold, and Platinum, with their Gold and Platinum plans being Schengen eligible.
Some benefits across all international plans include:
- Trip cancellation
- Trip interruption
- Trip delay
- Missed connection
- Emergency accident and sickness medical expenses
- Emergency evacuation
- Accidental death and dismemberment
- Baggage delay
- Baggage and personal effects
Travelers who choose the Gold plan can expect coverage for:
- Trip cancellation coverage up to 100% of the trip cost
- Trip interruption coverage up to 150% of trip cost
- Trip delay coverage up to $200 per day with a $1,000 maximum
- Missed connection coverage up to $1,000
- Emergency accident and sickness medical expenses up to $100,000
- Emergency medical evacuation up to $500,000
- Non-medical emergency evacuation up to $50,000
- Accidental death and dismemberment up to $25,000
- Common carrier accidental death and dismemberment up to $50,000
- Baggage delay up to $300
- Baggage and personal effects up to $1,500
Travelers who choose the Platinum plan can expect coverage for:
- Trip cancellation coverage up to 100% of trip cost
- Trip interruption coverage up to 150% of trip cost
- Trip delay coverage up to $300/day for a $1,250 maximum
- Missed connection coverage up to $1,500
- Emergency accident and sickness medical expenses up to $250,000
- Emergency medical evacuation up to $1,000,000
- Non-medical emergency evacuation up to $100,000
- Accidental death and dismemberment up to $50,000
- Common carrier accidental death and dismemberment up to $100,000
- Baggage delay up to $600
- Baggage and personal effects up to $3,000
- Lost skier days up to $25 per day
- Lost golf rounds up to $500
- Sports equipment rental up to $1,000
Optional benefits include rental car coverage, cancel for any reason coverage, and more.
Geoblue
United States citizens visiting Spain (or anywhere else!) often choose Geoblue’s Voyager and Trekker plans. GeoBlue’s Voyager plan covers single trips up to 182 days while the Trekker plan offers coverage for an unlimited number of trips within a one-year policy.
Geoblue offers Schengen-compliant plans. Compare nonmedical benefits across the Voyager and Trekker plans below:
| GeoBlue Plans Non-medical Benefits Comparison (USD) |
| Voyager (Single Trip) | Trekker (Multiple Trips) | |
| Accidental Death & Dismemberment Maximum Benefit | $50,000 | $25,000 |
| Emergency Family Travel Arrangements | $2,500 for one economy round-trip plane ticket | $2,500 for one economy round-trip plane ticket |
| Hazardous Activities (downhill skiing or scuba diving within certain parameters) | $25,000 maximum claim amount | $25,000 maximum claim amount |
| Post-Departure Trip Interruption Transportation | $1,000 maximum benefit amount | Not covered |
| Post-Departure Trip Interruption Quarantine Coverage | Lodging & incidentals of $50 per day, 10 days maximum | Not covered |
| Lost Baggage & Personal Effects Coverage | Maximum benefit of $500 per trip, $100 per bag/item | Maximum benefit of $500 per trip, $100 per bag/item |
| Repatriation of Remains | $25,000 maximum benefit | $25,000 maximum benefit |
MSH International
MSH International, which is also based out of Europe, offers exceptional insurance for visitors to Spain, with both long-term and short-term medical plans.
Their short-term international travel insurance covers basic medical emergencies, whereas their international health insurance policy can be customized to provide high levels of medical coverage, including maternity or dental care.
Their Start’Expat plan is their basic short-term plan, and you can compare benefits within that plan below.
| Start’Expat Healthcare Benefits | |
| Non-medical Travel Benefit | Coverage Limit |
| Flight Delay Leading to a Missed Connection | Payment of a fixed amount of USD $320 |
| (only for technical reasons or due to weather conditions) | |
| Theft, Total or Partial Destruction, or Loss of Luggage During Transportation by a Carrier | USD $2,160 ($27 deductible/suitcase) limited to 50% for valuables |
| Medical or Surgical Hospitalization | 100% of costs |
| Consultations with General Practitioners and Specialists | 100% of costs (up to USD $86 per procedure beyond 2 consultations) |
| Pharmaceutical Costs | USD $3,200 |
Travel Insurance Requirements for Spain
Visitors from 103 different countries are required to have a Schengen visa to enter Spain or any other country within the Schengen region. Those who are required to have a Schengen visa are also required to purchase travel insurance that meets requirements before they can enter the country.
All other short-term visitors to Spain are not mandated to purchase travel insurance, though they are highly encouraged to purchase it.
Long-Term Visa Insurance Requirements for Spain
Those who plan to stay in Spain for longer than 90 days must apply for a long-term (D) visa, regardless of their country’s Schengen visa agreements. All those who will utilize a long-term (D) visa must have medical insurance that meets the following criteria:
- Coverage for at least €30,000 (USD $30,938.04) per year per person
- Coverage for medical repatriation
- Coverage for all death expenses, including repatriation of remains
- No gaps in coverage
- No excess (deductible)
Those planning a visit to Spain should also note that passports must be valid for at least three months beyond the intended departure date.
Let’s explain the Schengen visa a bit more and outline its insurance requirements.
The Schengen Visa Explained for Visitors to Spain
The Schengen area incorporates 29 European countries that allow travelers free movement across their borders. A Schengen visa is a short-term visa authorized by these countries that permits visitors to travel in this zone for 90 days, whether during one trip or several, within a 180-day span.
Not all travelers who plan to stay in Spain for 90 days or less are required to purchase a Schengen visa. Those who need a Schengen visa are:
- Those whose country has not reached a visa liberalisation agreement with the EU.
- Non-EU-country citizens that have reached a visa liberalisation agreement with the EU but who were rejected from entering the Schengen area visa-free.
If you’re in doubt whether or not you need a Schengen visa, use the official Schengen wizard tool here. Those who do not require the visa must have a passport to Spain (or any other Schengen country).
Beginning midway through 2025, Schengen-visa-exempt travelers to the Schengen area will also need ETIAS authorization.
Those who are exempted from visa requirements include:
- Those who hold diplomatic passports
- Those who hold local border traffic permits from civilian air and sea crews from member states
- Crew members on emergency and rescue missions
- School pupils
- Intergovernmental travel document holders
- Refugees
- Those in the armed forces
- NATO members
Knowing whether you require a Schengen visa is not only important for entering the country but for several areas of preparation, as all those who do require a Schengen visa are required to provide proof of travel insurance that meets certain standards. These requirements include:
- Coverage for at least €30,000 (USD $30,938.04) in medical costs
- Coverage in all Schengen area countries
- Coverage for the entire duration of your stay
- Coverage for medical repatriation (transportation back home for medical treatment)
- Coverage for emergency medical care and hospitalization
- Coverage for repatriation of remains (transportation for your body in the event of death)
Travel Insurance Options for Spain
Travelers to Spain should consider traditional travel insurance, travel medical insurance, or a bundle of the two. Traditional travel insurance provides coverage for travel-related mishaps like lost luggage. Medical coverage helps cover the cost if you get sick or injured in Spain.
Traditional Travel Insurance in Spain
Accidents are part of life, even for experienced, careful travelers. Purchasing travel insurance eliminates the stress over missing a flight, losing your investments if a family emergency delays your trip, or losing luggage by providing financial backing for just these sort of missteps.
Common travel insurance coverage includes:
- Lost luggage and personal belongings
- Cancellation (cancel for any reason or general cancellation)
- Trip interruption
- Travel delay
- 24/7 customer service
Travel Medical Insurance in Spain
Travel medical insurance provides basic coverage in case of a medical emergency in Spain. Spain does not offer free healthcare to travelers, so those without insurance coverage would have to pay for all medical treatment costs out of pocket.
Common benefits under travel medical insurance plans include:
- Hospitalization
- Outpatient treatment
- Medical evacuation
- Repatriation of remains
Single-Trip and Multi-Trip Coverage for Spain
Single-trip travel insurance is likely sufficient if you plan to briefly visit Spain once. If you plan to travel to Spain multiple times or want to visit additional destinations, consider multi-trip coverage.
Multi-trip coverage extends the benefits of your travel insurance plan across multiple trips within a designated amount of time, often up to one year. Not all providers offer multi-trip coverage, so discuss your options with a broker or provider before booking multiple trips.
What Travel Insurance Doesn’t Cover
Some common exclusions for travel insurance plans include foreseen events, civil unrest, pre-existing conditions, dental work, storms, fear of travel, and dangerous activities. Always read plan details before signing to verify what providers do and do not cover.
Let’s address these common exclusions in a bit more detail:
- Foreseen events include events you could reasonably know before booking. For example, if the area you’re traveling to is experiencing an epidemic when you book your trip but you decide to cancel later, you will not receive reimbursement (unless you purchased cancel for any reason coverage).
- Civil unrest includes war, terrorism, and other unrest. These are considered “known perils,” and you will likely not be reimbursed, especially if there is a government advisory against travel to the location. If unrest breaks out while you’re on vacation, you may be entitled to emergency evacuation.
- Pre-existing conditions include mental health conditions, pregnancy, and alcohol- or drug-related conditions. Some travel insurance providers offer separate maternity package riders for those seeking pregnancy coverage benefits while abroad.
- Dental work is often considered nonessential work and so is often excluded from the basic medical coverage in travel insurance plans. Some providers do offer dental coverage packages as an extra rider.
- Medical treatment within travel insurance plans is generally not comprehensive, as it is only meant for emergencies. For travelers seeking comprehensive medical insurance while abroad, they may want to consider international health insurance or short-term insurance.
- Storms may or may not be covered under a plan, depending on the provider and the circumstance. If you book a trip when a known storm is approaching your location, it falls under the umbrella of a foreseeable event, so cancellation will not be covered.
- Fear of travel is a common clause under travel insurance exclusions. This means if you book a trip but then want to cancel it out of fear for any reason (e.g. fear of getting sick, fear of flying), you will not be reimbursed.
- Dangerous activities are generally not covered under travel insurance, though some providers do offer a separate rider for adventurous travelers. Dangerous activities include activities like mountain climbing, skydiving, hang gliding, or caving.
The Cost of Travel Insurance for Spain
The length of your trip, your age, and the cost of your trip all contribute to the cost of your travel insurance, with most plans to Spain costing around 5%–7% of your total trip cost.
Why Travel Insurance is Worth the Money
Those without travel insurance requirements for visa mandates may wonder if travel insurance is worth it. Travel insurance is always recommended since the cost of unexpected accidents can far exceed the cost of travel insurance.
Without proper insurance coverage, vacationers in Spain must pay out of pocket for any doctor’s visits, prescriptions, hospitalizations, or treatment they receive. Healthcare in Spain is expensive, so payment without insurance assistance can be financially overwhelming.
Traditional travel insurance helps you vacation abroad without worry because you know that you have the financial backing for your trip needs—allowing you to enjoy your trip even more.
How to Get Travel Insurance for Spain
To purchase a comprehensive travel insurance plan, follow each of the steps below:
- Consider your needs: Do you need to meet certain visa requirements? Do you plan to travel for more or less than 90 days? What does your budget look like? Do you want traditional travel insurance as well? How extensive does your medical coverage need to be?
- Research plans: Browse top insurance providers or enlist the help of an insurance broker to find the best plan for your needs.
- Compare quotes: Whether you research on your own or seek out professional help, compare quotes from each provider. For a simple solution, check out our free quote tool.
- Apply for coverage: Applying for coverage quickly ensures better eligibility for extra benefits. Be prepared to offer the destination and length of your trip, health information like age or pre-existing conditions, and planned trip activities.
Alternative Types of Insurance for Spain
Consider purchasing international health insurance or short-term insurance if you plan to travel extensively or need extra medical coverage beyond what is commonly available in travel medical insurance plans.
If you have a European Health Insurance card (or Global Health Insurance card, for UK citizens), you may also be eligible for medical care in Spain.
European Health Insurance Card
A European Health Insurance Card guarantees that those with this coverage can receive medical treatment in any EU member states, Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom as though they were citizens.
That means that travelers in Spain who have an EHIC card can receive care at public (or state) medical facilities and only make the same contributions as Spanish citizens. This can significantly decrease the cost of medical care.
International Health Insurance
International health insurance provides comprehensive coverage for individuals living away from their home country or for those traveling widely. These plans offer expats a wide selection of customizable, globally portable benefits that can be tailored to their lifestyle.
Short-Term Health Insurance
Most short-term insurance covers preventative care, emergency care, urgent care, and medical tests, and some plans offer discounts on medications. Short-term plans are not comprehensive, so they don’t cover pre-existing conditions, mental health services, maternity care, or substance abuse.
Travel Tips for Travel to Spain
Individuals visiting Spain are recommended to increase their caution during travel due to terrorism and civil unrest. With the proper preparation, you can have a safe, enjoyable trip. Follow the guidance below for a memorable, safe trip:
- Carry your passport at all times: Remember that it’s illegal to be without identification in Spain, so always carry your passport.
- Purchase a universal power adapter: Spain uses two plug types—C and F—and operates on a 230V supply voltage and 50Hz.
- Know Spanish emergency numbers: Call 112 for ambulance and medical emergency services.
- Maintain up-to-date vaccines: The CDC suggests that all travelers be up to date on routine vaccines such as chicken pox, flu, measles, polio, and shingles as well as other vaccines like COVID-19, hepatitis A and B, and rabies.
Why to Use a Broker to Get Travel Insurance to Spain
Use a broker to secure customized, reliable travel insurance for Spain. Brokers can save you time by compiling plans that fit your needs and by helping you compare benefits, and they can save you money by using their unbiased expertise to find the best deals.
Brokers act as the intermediary between you and insurance providers, so they use their professional knowledge to scout out the best plans for your needs and to help you submit claims. Let Pacific Prime help you find the right Spain insurance plan for your budget and needs. Contact us to learn more.
Frequently Asked Questions
Is travel insurance required for Spain?
Travel insurance is only required in Spain if you also require a Schengen visa to enter the country. If you are traveling to Spain for more than 90 days, you must also have sufficient medical coverage, which you may purchase through travel medical insurance or international health insurance.
When is the best time to buy travel insurance?
The best time to purchase travel insurance is as soon as you know your trip itinerary. The sooner you purchase your coverage, the more likely you are to qualify for top benefits, like cancel for any reason coverage.
What is a Schegen visa?
A Schengen visa is a short-term permit that allows travelers to visit any country within the Schengen area (mostly EU countries) for a maximum total of 90 days within a 180-day period. This visa is required for citizens of some countries.
Conclusion: Getting the Coverage You Need
Purchase comprehensive travel insurance or international health insurance if you plan to stay long term to ensure that your trip to Spain is uneventful and stress-free. Those who are required to use a Schengen visa must purchase travel insurance to enter Spain.
Pacific Prime has over two decades of experience, and we are committed to finding the perfect travel insurance plan to suit your budget and needs as an expat or visitor to Spain.
Our experts are ready to provide free quotations, leverage our partnerships with all major insurers, and scour our extensive portfolio to offer you the best plans. Try our free quote tool or contact us today so we can help you prepare for a memorable vacation!
If you’re considering visiting other destinations in Europe, check out our articles on the best travel insurance plans for a trip to Greece and our complete guide to travel insurance in Germany.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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