Travel Insurance for Spain - International Trip Coverage in Spain (2024)

Doesn’t it feel good to be headed to Spain? With incredible tapas, warm sunshine, and breathtaking architecture on the horizon, it's time to start thinking about what you need to do ahead of time to make sure your trip is stress-free. And the secret to a smooth and seamless vacation abroad is preparation.

What Do You Need When Traveling to Spain?

While some people like to go with the flow when vacationing in Spain, it's always best to have a general idea of the vacation you'd like to have. Are you planning on spending long and lazy days at the beach, indulging in some of the world's best food? Or maybe you've planned a city break and can't wait to fill your days with exciting tours discovering the history of this beautiful country.

But aside from an itinerary and a positive mindset for your exciting trip ahead, what else is needed when travelling to Spain?

Passport

Spain requires all visitors to have the required travel documents valid until 3 months after their planned departure date. This is non-negotiable. Double-check that your travel document is valid for your vacation time frame to ensure you have a smooth experience at immigration control. It's also important to note that Spain requires all travel documents to be issued no more than 10 years before your date of departure.

Visa

If you're a US citizen you're welcome to stay in Spain for up to 90 days without a visa, since the country is a part of the Schengen Agreement. If you'd like to stay in Spain beyond 90 days, you'll need to seek out the appropriate Schengen Visa for your travels. If you stay in Spain longer than the time permitted, you may be hit with an entry ban or worse.

Travel Insurance

While travel insurance isn't a mandatory requirement to enter Spain, it's highly recommended to be covered for your trip. The great thing about travel insurance is that, depending on the plan, it may cover a variety of issues that can happen to you, your baggage, or even your sporting equipment while you're away.

Travel insurance can cover things such as medical emergencies, injury, death, delayed departures and missed transport due to reasons beyond your control, lost luggage and more. And while it's not nice to think about dealing with these types of issues on your dream holiday, it's always best to be prepared.

There are countless travel nightmare stories where people end up with large hospital bills or pay a lot to change flights due to sickness. By purchasing travel protection ahead of your trip, you'll have greater peace of mind for these kinds of issues.

What Travel Insurance Do You Need for Spain?

It's important to determine what coverage you need ahead of your trip. You should ask yourself questions such as:

Are You Making a Lot of Non-Refundable Plans?

One of the most exciting elements about planning a trip to Spain is signing up for lots of exciting activities and experiences. And while we recommend seeing this country in all its glory, it's important to be mindful of the type of activities you're arranging.

If you're making costly plans that can't be refunded, you may end up losing a significant amount of money. It's always best to check the terms and conditions of all your activities ahead of time or ensure you have the appropriate travel insurance to compensate you should disaster strike.

Do You Have Any Pre-Existing Medical Conditions?

Travelers with pre-existing medical conditions should also be able to enjoy exciting trips away. But if you're visiting a European country far from home, it's important to ensure your travel insurance caters to your pre-existing medical condition. Not all travel insurance covers pre-existing medical conditions, but our Premium Plan can. Find out more about ourPremium Plan.

Will You Be Renting a Car?

Driving in Spain can be overwhelming. It's important that your travel insurance provides coverage in the event of a rental car accident. Remember — accidents can happen to anyone.

While some travel insurance policies provide coverage for rental car damage, others give you the opportunity to add it on as an extra. For instance, rental car damage is included with the Premium Plan, but needs to be added to the other plans available here.

If you're renting a car for your Spanish holiday, make sure your insurance has you covered.

Note: Rental Car Damage coverage is not available to residents of Texas.

Do You Anticipate Any Trip Interruptions?

While some trip interruptions can't be anticipated ahead of time, it can be helpful to ask yourself if certain things could come up that would interrupt your travels. Not sure what's considered acovered reason for trip interruption? Check out our examples below:

  • Sickness, injury or death

  • Common carrier cancellations and delays

  • Labor strike

  • Car accident

  • Uninhabitable home

  • Uninhabitable destination

  • Mandatory evacuation

  • Military duty

  • Terrorist act

  • Host's life-threatening sickness or injury

  • Extension of school year

  • Academic exams

  • New vaccination requirements

  • Organ match

  • Adoption

How Do You Get Travel Insurance for Spain?

Finding travel insurance for your trip to Spain doesn't have to be stressful. With Generali Global Assistance, we make the process straightforward, so you can focus on your exciting trip ahead with added peace of mind. To find out which travel insurance is right for you, explore ourcurrent plans.

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Travel Insurance for Spain - International Trip Coverage in Spain (2024)

FAQs

What is the best international travel insurance for Spain? ›

Compare Spain Travel Insurance Companies
CompanyBBB RatingCFAR Coverage
Travelex GET QUOTEA+Yes, up to 75%
Nationwide Travel Insurance GTE QUOTEA+Yes, up to 75%
Seven Corners Travel Insurance GET QUOTEA+Yes, up to 75%
Trawick International GET QUOTEBYes, up to 75%
4 more rows
4 days ago

What travel insurance do I need for Spain? ›

To be covered in Spain, the Canary Islands or the Balearic Islands you only need European travel insurance, not worldwide cover.

Do US citizens need travel insurance for Spain? ›

American citizens are not legally required to have travel insurance for Spain as long as the trip is under 90 days. However, The US Embassy in Madrid highly recommends buying travel insurance when visiting Spain as most traditional US health insurance isn't accepted at Spanish hospitals.

Does my health insurance cover me in Spain? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

How much does travel insurance cost to Spain? ›

On average, travel insurance for a US citizen visiting Spain can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

How much does international travelers insurance cost? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

Why is travel insurance to Spain more expensive? ›

Why is travel insurance to Spain more expensive? The price of Spain travel insurance is based on claims costs. When something happens in Spain, the cost can be higher than elsewhere in Europe. Usually because medical treatments are more expensive, particularly in private hospitals.

How much does it cost to see a doctor in Spain? ›

Quick facts on the healthcare system in Spain

Type of healthcare system: Public, with the option for additional private coverage. Average cost of an emergency room visit: €200 (£184, US$240, AU$160) Average cost of a doctor's visit: Free with European Health Insurance Card, otherwise €100 (£92, US$120, AU$80)

Is emergency care free in Spain? ›

All EU and European Economic Area (EEA) nationals below retirement age who visit Spain for a short holiday are entitled to free or reduced-cost emergency medical healthcare and treatments at all Spanish public medical centres and hospitals on production of a valid European Health Insurance Card (EHIC).

What documents do I need to travel to Spain from the USA? ›

Spain is a party to the Schengen Agreement. This means that U.S. citizens may enter Spain for up to 90 days for tourism or business without a visa. Your passport should be valid for at least three months beyond the period of stay. You must have sufficient funds and a return airline ticket.

What documents do I need to enter Spain? ›

Entry requirements​​

Present proof of identity and a valid travel document. Present the corresponding visa if required, according to nationality. Provide evidence of meeting the conditions for the proposed stay and of possessing sufficient financial resources. Not be subject to a ban on entering Spain.

Do I need to carry my passport in Spain? ›

Per Spanish laws, everyone (citizen or foreigner) in Spain must have identification documents when moving around the region. Thus, you should have your passport when leaving the hotel or rental to prove your identity.

Do Americans get free healthcare in Spain? ›

Costs of the Spanish Health Services for Expats

There are no co-pays for any doctor visit in Spain. Most tests, services, and procedures are also included in the public system. However, there are modest fees associated with ambulance usage should the service be deemed non-life-threatening.

What happens if I get sick in Spain? ›

If you need hospital treatment in Spain you're more likely to receive appropriate care in a public healthcare facility. However, in some tourist areas there may not be any public healthcare facilities nearby. Your insurance or medical assistance company will be able to provide further details.

Does my US health insurance cover me in Europe? ›

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas. More information is also available on the CDC insurance page.

What health insurance card do I need for Spain? ›

Health insurance cards

The GHIC or EHIC entitles you to state-provided medical treatment necessary during your trip. Any treatment provided is on the same terms as Spanish nationals.

Who has the best travel health insurance? ›

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.

Is travel insurance the same as international insurance? ›

International health insurance is designed to provide a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance provides cover for emergency treatment while you are in another country for a shorter space of time.

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