Planning a trip to Spain? Having the best travel insurance for Spain is essential whether you plan to hike in the Pyrenees, relax on the beaches of Barcelona, or explore the historic streets of Madrid. It ensures you’re covered for medical emergencies, trip cancellations, lost luggage, and other unexpected incidents.
In this guide, we’ll explore what to look for in travel insurance for Spain, key coverage options, and some of the best travel insurance providers to consider.
While Spain has excellent healthcare, non-residents are not covered by the public health system unless they are part of a reciprocal agreement (such as European travelers with an EHIC/GHIC card). Even then, private healthcare can be expensive, and travel insurance offers extra protection for medical emergencies, flight disruptions, lost baggage, and more.
When choosing the best travel insurance for Spain, look for these key coverage options:
✅ Medical Coverage – Covers emergency medical expenses, hospital stays, and doctor visits. A minimum of €30,000 in coverage is recommended, especially for Schengen visa requirements.
✅ Trip Cancellation & Interruption – This coverage protects you from losing money if you have to cancel or cut short your trip due to illness, an emergency, or other unforeseen circumstances
✅ Lost, Stolen, or Delayed Baggage – Airlines sometimes misplace luggage. Good travel insurance will reimburse you for lost or delayed baggage.
✅ Emergency Evacuation & Repatriation – If you suffer a severe medical emergency, your insurance should cover the costs of evacuation or medical repatriation to your home country.
✅ COVID-19 Coverage – Many insurers now include coverage for COVID-19-related medical expenses, trip cancellations, or quarantine costs.
✅ Rental Car Insurance (Optional) – If you plan to rent a car in Spain, check if your insurance includes collision damage waiver (CDW) and liability coverage.
Here are some of the top-rated travel insurance companies that offer excellent coverage for Spain:
🔹 Best for adventure travelers and backpackers 🔹 Covers medical expenses, trip cancellations, and lost luggage 🔹 Includes coverage for extreme sports and outdoor activities
🔹 Great for frequent travelers with annual coverage options 🔹 Offers trip protection, emergency medical assistance, and baggage loss coverage 🔹 24/7 multilingual support
🔹 Approved for Schengen visa requirements 🔹 Comprehensive medical and trip protection coverage 🔹 Competitive pricing for short and long trips
🔹 Ideal for digital nomads and long-term travelers 🔹 Affordable medical insurance with global coverage 🔹 Covers COVID-19 medical expenses
🔹 Flexible plans with customizable coverage 🔹 Excellent for families traveling with children 🔹 High medical expense limits and trip delay benefits
When selecting the best travel insurance for Spain, consider the following:
✔️ Your Trip Length – Short-term vs. long-term coverage ✔️ Activities Planned – Check to see if your insurance covers things like skiing and scuba diving. ✔️ Pre-Existing Medical Conditions – Check if your policy covers existing health conditions ✔️ Budget & Deductibles – Before making a purchase, compare the costs of the policy and the deductible.
Travel insurance is essential for a safe and stress-free trip to Spain, regardless of how long you plan to spend there. Compare plans carefully to find the one that best meets your travel needs among the many excellent choices.
✈️ Ready to travel? Get the best travel insurance for Spain today and enjoy your trip with peace of mind!
