Don’t let unexpected medical costs be a worry when you are away. Travel insurance for Spain protects you when you’re travelling.
What is Spain travel insurance and do you need it?
Travel insurance for Spain means you’re covered against unexpected medical costs, lost luggage, or cancelling your trip.
Spain is one of our favourite holiday destinations. In fact, more than 17m Brits headed to Spain in 2023. However, there’s no telling what surprises could arise, from petty thefts to lost luggage or unexpected health emergencies. That’s why our travel insurance for Spain covers a range of events, so you can focus on enjoying your trip.
- Emergency medical costs: You never know what health issues could occur on your holiday. Or how much they could cost you. For example, emergency medical treatment for a kidney infection in Spain cost one holidaymaker £15,000. Plus, temperatures and heatwaves are increasing in Spain, which can lead to heat exhaustion, heat stroke and worse. Temperatures are only expected to increase in Spain, so it pays to be protected. But rest assured, we’ll cover the costs of unexpected medical treatment.
- Don’t let pre-existing medical conditions stop you travelling: We’ll consider all pre-existing medical conditions. Just declare your condition, give us some details and we’ll send you a quote. Find out more about medical travel insurance or contact our helpful team.
- Stay covered for any holiday style: We’ll keep you protected whether you’re heading for a sun lounger or planning something more adventurous. We cover over 100 popular activities, including hiking, surfing, cycling, sailing, and golfing.
- Protect against delays: If flight delays affect your trip, we’ll help cover the cost of missed tours and accommodation.
- Keep your belongings protected: Don’t let a lost or stolen bag ruin your getaway. Our insurance for travel to Spain includes cover for your personal belongings, baggage and passport. Plus, we offer optional valuables cover if you’re taking expensive gadgets like your tablet or laptop.
Getting the right travel insurance can be the difference between a blissful, stress-free trip and a holiday from hell.
That’s why we’re here to support you with the best travel insurance policy for your trip to Spain. We’ve helped over 27 million travellers get cover, and 99.7% would consider buying from InsureandGo again3.
What does InsureandGo’s Spain travel insurance cover?
What’s covered?
Our travel insurance for Spain includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf. Please note: Our winter sports add on cover is only available to those under 65.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for Spain
All holidays are different, just like all people are different. This is why we tailor each travel insurance policy to your trip. Can’t work out what you need? Here’s what we’d suggest.
- Setting sail on a cruise? You’ll need cruise holiday insurance to protect you against cruise-specific mishaps, like cabin confinement, cruise interruption, and itinerary changes.
- Big family holiday? Cover everyone in one go with a family travel insurance plan. Less paperwork, more fun.
- Golfing in the Spanish sun? Sounds ideal. We’ll cover both you and your clubs with our golf insurance.
- Taking multiple trips abroad this year? Our annual multi-trip travel insurance covers for between 45-55 days of each trip.
- Want to live like a local? Our single trip travel insurance lets you travel abroad for up to 365 days.
- Not just visiting Spain? Depending on how far you’re going, you might need Europe travel insurance or worldwide travel insurance.
Spain travel insurance with pre-existing medical condition cover
At InsureandGo, we’re proud to offer travel insurance for medical conditions. If you have a pre-existing medical condition that you think might prevent you from travelling, give us a call.
Examples of the types of health conditions travel insurance can cover include:
Before you get your travel insurance policy quote, we may need to ask you a few questions about your condition/s. Things we may ask include:
- When were you first diagnosed?
- Are you currently taking medication for your condition?
- When were you last admitted to hospital for this condition?
Remember that you must disclose any and all medical conditions before you set up your travel insurance, otherwise, your policy may become invalid. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents.
If you’d rather talk to someone instead, please get in touch with us.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Which destinations are covered by our Spain travel insurance?
We’ll cover Spanish travel with our single-trip policies or through European travel insurance on annual multi-trip policies.
When choosing travel insurance for Spain, consider the cost of your holiday and the belongings you’ll be taking. It’s important to make sure you’re fully covered if anything happens.
We cover all of the major locations in Spain under our Spain travel insurance, such as:
How to book travel insurance for Spain
There’s so much to think about when planning a holiday. Luckily, you can get your travel insurance for Spain sorted in just two steps.
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so we can provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
After you’ve given us all the necessary details, we’ll send you a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.
Lydia Crispin – Travel insurance expert
“Spain routinely tops the polls when it comes to Brits’ favourite holiday destination, and it’s easy to see why. The culture, weather, beaches and cuisine make for an exceptional trip. However, accidents can be common, and the heat can cause unexpected health concerns. That’s why it’s important to make sure you’re covered for any emergency medical costs.“
From our customers
They did the job
“18 months ago, my wife was hospitalised in Spain. I contacted InsureandGo, and they took care of all the administrative side of things, and paid the resultant bill. I have been with them for probably 8 years, and still am.”
– Alan
– Date of experience: 07 February 2024
Our reviews speak for themselves
There’s a reason 99% of our customers would recommend us to family and friends3. Here’s what they had to say about us.
Frequently asked questions on Spain travel insurance
Do you need travel insurance for Spain?
Yes, you need travel insurance for Spain. The UK Government recommends that all British nationals who leave the country take out the proper insurance for their destination. Remember that if you’re doing something outside of the ordinary, such as hiking or jet skiing, you’ll need to get the appropriate cover – such as activity travel insurance.
Does the GHIC/EHIC card cover travel to Spain?
The GHIC (or Global Health Insurance Card, previously the EHIC) helps you to get free basic healthcare whilst in Spain. It is a good idea to apply for a GHIC before you travel to Spain. It’s free and lasts for up to 5 years.
However, it only covers state healthcare, not private treatment. Remember that the GHIC is not a replacement for travel insurance. If you have any other problems on holiday, such as lost luggage or cancelled flights, the GHIC will not cover you. It also does not cover any transport to or from hospital, and does not cover the cost if you need to be flown back to the UK for treatment.
Plus, while the GHIC will reduce the cost of any prescription medicines that you might need, you will still have to pay for them. The cost can be anything from 10% to 60% of the prescription price.
How much is travel insurance for Spain?
The cost of any travel insurance policy is based on a few different factors, such as:
- Your age
- Your medical history
- Your destination
- How long you’re going for
These factors can vary, which means that the cost of travel insurance to Spain can also vary. If you’re worried about the cost of your travel insurance for Spain, you could shorten your trip to make it less expensive. Remember that you must always disclose your full medical history whilst getting your travel insurance quote, or you may find your policy becomes invalid.
Does Lanzarote come under Spain for travel insurance?
Lanzarote, along with the rest of the Canary Islands (such as Gran Canaria, Tenerife, Fuerteventura and La Palma), is covered by a Spain travel insurance policy. Always check the exact wording on your policy to be sure. See our Canary Islands travel insurance page for more.
Does Majorca come under Spain for travel insurance?
We cover Majorca, along with the other Balearic Islands (such as Menorca and Ibiza) with our Spain travel insurance policies. Always check the exact wording on your policy to be sure or learn more on our Majorca travel insurance page.
Who can buy an InsureandGo Spain travel insurance policy?
All our travel insurance for Spain policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our Spain travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.