Spain Insurance
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Travel insurance for Spain

Schengen-compliant coverage, 24/7 support, and peace of mind for your trip. Get a quote in minutes.

We also offer travel insurance for France, Italy, Germany, and other European destinations.

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Why choose travel insurance for Spain

From medical emergencies to lost luggage—we've got you covered so you can focus on your trip.

Emergency medical care

Hospital stays, surgery, and emergency treatment across Spain, with coverage that meets Schengen visa requirements.

Trip cancellation & interruption

Reimbursement when your trip is cancelled or cut short for covered reasons—illness, severe weather, or family emergencies.

Lost, delayed & stolen baggage

Compensation for lost, stolen, or delayed luggage so you can replace essentials and continue your journey.

24/7 multilingual assistance

Round-the-clock support in multiple languages for emergencies, claims, and travel advice.

How it works

1

Choose your plan

Pick coverage that matches your trip length and needs—Schengen-compliant options included.

2

Get covered in minutes

Receive your digital insurance certificate by email—no paperwork, no hassle.

3

Travel with confidence

Explore Spain knowing you're protected for medical emergencies, delays, and more.

Coverage at a glance

Category Included
Emergency medical Emergency medical treatment
Hospitalization
Medical repatriation
Emergency dental
Trip protection Trip cancellation
Trip interruption
Travel delay
Baggage Lost baggage
Delayed baggage
Stolen items
Assistance 24/7 assistance
Multilingual support
Emergency hotline

Who needs travel insurance for Spain?

Schengen visa applicants

If you need a Schengen visa to enter Spain, you must have travel insurance with at least €30,000 medical coverage. Our plans are designed to meet this requirement.

EU/EEA travelers

EU citizens can use the European Health Insurance Card (EHIC) for basic public healthcare in Spain, but it doesn't cover private care, repatriation, or trip cancellation. We still recommend travel insurance for full protection.

Everyone else

Whether you're from the US, UK, Australia, or elsewhere, comprehensive travel insurance helps with medical emergencies, lost baggage, and trip disruptions—so you can focus on enjoying Spain.

Where are you traveling from?

Select your country to see visa requirements, coverage details, and tailored information.

View all countries

Latest articles

Spain Entry Requirements & Visa Guide 2026

Entry requirements and visa information for visiting Spain in 2026.

Read more →

Complete Guide to Travel Insurance for Spain (2026-2027)

Everything you need to know about travel insurance for Spain.

Read more →

Schengen Visa Insurance Requirements Explained

Schengen visa insurance requirements for Spain and the Schengen area.

Read more →

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Frequently asked questions

Do I need travel insurance to visit Spain?

EU/EEA citizens can use the European Health Insurance Card (EHIC) for basic public healthcare in Spain, but travel insurance is still recommended for private care, repatriation, and trip cancellation. Non-EU visitors, especially those requiring a Schengen visa, must have travel insurance with at least €30,000 medical coverage.

What does Schengen visa insurance need to cover?

Schengen visa insurance must cover emergency medical expenses and repatriation with a minimum of €30,000, be valid for the entire stay and all Schengen countries, and be accepted by Spanish consulates. Our upcoming plans will meet these requirements.

When will spain-insurance.com plans be available?

We are preparing comprehensive travel insurance plans for Spain and will launch soon. Sign up with your email to be the first to know when our plans become available. We will only contact you about the launch—no spam.

How much does travel insurance for Spain cost?

Costs depend on your age, trip duration, and level of coverage. Schengen-compliant policies typically start from a few euros per day. When we launch, we will offer transparent pricing and instant quotes online.

Does travel insurance cover COVID-19?

Many modern travel insurance policies include coverage for COVID-19-related medical expenses and trip disruption. When we launch, our policy terms will clearly state what is covered. Check the product details at that time.

Can I buy insurance if I'm already in Spain?

Travel insurance is usually purchased before departure. Some providers offer policies that can be bought after arrival, but coverage may be limited. We recommend arranging insurance before you travel.

What if I need medical help in Spain?

Spain has excellent healthcare. For emergencies, call 112 (general emergency) or 061 (medical). EU citizens can use the EHIC at public facilities. Private care and repatriation are typically covered by travel insurance. Keep your policy number and assistance hotline handy.

Which countries do you cover for travel to Spain?

Our plans will be available to residents of many countries traveling to Spain. We provide country-specific information on this site for over 40 countries. Select your country from the Destinations section to see requirements and relevant details.

Coming soon

We're launching soon

Be the first to get our travel insurance for Spain and other European destinations. Simple pricing, Schengen-compliant, and built for travelers.

Get in touch Email us directly

We're finalizing our plans and will launch soon. Contact us to be the first to know.

Travel Insurance for Spain Trips in 2026: Medical, Schengen, Delays, More

Spain remains one of Europe’s busiest destinations in 2026, and the mix of city breaks, beach holidays, festivals, cruises, and road trips makes travel insurance a practical part of planning. A single trip can involve non-refundable flights, short-notice schedule changes, and activities that carry real injury risk, from hiking around Granada and the Sierra Nevada to water sports in Ibiza or the Canary Islands. Insurance matters because it converts unpredictable travel costs into defined, manageable limits. Many travelers only discover the gap after a problem occurs: a hospital bill, a missed connection, a stolen phone, or a last-minute cancellation that airline or accommodation providers won’t refund. Spain-insurance.com focuses on travel insurance for visitors to Spain, and in 2026 is also expanding options for other European and worldwide destinations, so frequent travelers can compare cover for multi-country itineraries.

Medical coverage is the core of most Spain travel insurance policies because healthcare costs can escalate quickly for non-residents paying privately. Spain’s public system is excellent, but access and pricing depend on residency status and agreements. Visitors without valid entitlement may be treated as private patients, and private clinic and hospital charges can rise fast, particularly in major hubs like Madrid and Barcelona or in resort areas during high season. Typical expenses that travelers underestimate include emergency consultations, imaging, and short inpatient stays; even when the clinical problem is minor, the billing can include physician fees, diagnostics, and facility charges. Insurance that covers emergency medical treatment and hospitalization helps protect against large, unexpected costs, and it can also include emergency dental relief, prescriptions, and follow-up care within policy limits. For travelers doing more than sightseeing, it’s also sensible to check if the policy covers specific activities such as scooter rental, cycling, hiking, or water sports common around Malaga, Mallorca, and the Costa Brava.

Schengen visa insurance requirements are a frequent reason travelers purchase cover for Spain. If you need a Schengen visa, the minimum requirement is medical insurance with at least €30,000 coverage for emergency medical expenses and repatriation, valid across all Schengen countries for the entire intended stay. Consulates may request policy certificates showing the coverage amount, dates, and geographical validity, and travelers should confirm the document is issued in a format accepted for visa applications. Even travelers who don’t need a visa often choose similar limits because medical evacuation or repatriation can be expensive. Repatriation coverage can apply after serious illness or injury, and may include medically necessary transport home; without insurance, arranging specialized transport can be financially overwhelming.

EU citizens sometimes assume the European Health Insurance Card (EHIC) replaces travel insurance, but its limitations are significant. EHIC generally covers medically necessary state-provided healthcare during a temporary stay, under the same conditions and costs as residents, but it does not cover private healthcare, mountain rescue, non-urgent repatriation, or most trip-related financial losses. In Spain, that can matter because tourists often end up at private clinics in resort areas or prefer private facilities for speed and language support. EHIC also won’t refund prepaid hotels if you have to cancel, won’t pay for replacement luggage, and won’t compensate you for a missed flight connection. Travel insurance complements EHIC by adding broader medical options and the non-medical protections that make a difference during disruptions.

Beyond medical care, cancellation and curtailment coverage can protect prepaid costs if you need to cancel before departure or cut a trip short for covered reasons such as serious illness, injury, or certain emergencies at home. This is particularly relevant for peak-season bookings in Valencia, Seville, or Barcelona, where accommodation often has strict refund terms. Baggage and personal belongings coverage addresses theft, loss, or damage, a realistic concern in crowded tourist areas and public transport. Liability coverage can help if you accidentally injure someone or damage property, which can happen in holiday rentals or during sports and activities. Flight delay and travel disruption benefits can reimburse essential expenses such as meals and accommodation when delays or missed connections strand you, which is valuable for island trips to Ibiza, Mallorca, or the Canary Islands that rely on tight flight schedules and ferry connections.

A practical approach for 2026 is to match coverage to your itinerary and spending. City breaks in Madrid and Barcelona often benefit from strong medical cover and theft protection; coastal holidays on the Costa del Sol and Costa Brava may call for activity-related coverage; and multi-stop routes that include Granada, Malaga, and Valencia can justify higher disruption and cancellation limits because more segments mean more points of failure. Travelers should also check excess amounts, how pre-existing medical conditions are handled, and whether claims require police reports for theft or written confirmation for delays. Spain-insurance.com is designed to help visitors choose travel insurance aligned with Spain-specific realities while also supporting broader travel plans as it expands coverage for other European and worldwide destinations, useful for travelers combining Spain with France, Italy, Portugal, or long-haul onward trips in 2026.