Travel insurance for Spain

Spain’s a country that captures the heart of anyone who visits. Madrid and Barcelona are energetic cities that are packed with plenty to do; the Costa del Sol is renowned for its beautiful Mediterranean beaches, while the Pyrenees and the Picos de Europa are among the best mountain ranges on the continent. Alternatively, you can explore the Moorish towns of the south, or go on a cultural pilgrimage to Bilbao.

Food and wine are national obsessions in Spain and many of the country’s best recipes have been handed down through the generations. Side streets in the cities are often packed with ornate tapas bars and Michelin-starred restaurants, where you can try the freshest fish and latest Mediterranean dishes. Don’t worry about being too full after lunch, either; you can treat yourself to a siesta like a local.

Spanish is the country’s national language, but many people in Spain also speak variants of Catalan, Galician and Basque. Like many other countries on the continent, Spain’s currency is the euro. It’s easily accessible and tradable, so you can exchange your money before you travel or when you arrive.

No matter where you’re heading in Spain, it's important that you get travel insurance to help protect you against risks you may encounter. We offer different levels of cover, so you can choose an insurance type to suit your needs. If you’re taking a family holiday to Majorca, for example, then you may find that our Family travel insurance is best suited to your needs. But if you’re planning to visit Ibiza with friends, then our Group policy may be better.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.                         

Even though Spain is close by and a safe place to visit, you should still take out travel insurance before you travel, because accidents can still happen. For example, your flight may be delayed or cancelled, you may injure yourself walking along the beach or you may have your personal possessions stolen by an opportunistic pickpocket. Thankfully, our travel insurance for Spain helps cover you for these eventualities and more.

Although the EHIC card is an important document, it doesn’t replace travel insurance for Spain. Like the UK, Spain has both public and private healthcare, so some treatment might be free if you travel with an EHIC card. But your EHIC card will not cover you for everything; if you need medical repatriation or mountain rescue, for example, you’ll need to pay for it. And if you fall ill or get injured in Spain and require healthcare that isn’t covered by an EHIC card, you’ll have to pay for the treatment yourself – unless you travel with insurance.

Please note that, if the UK leaves the European Union with a ‘no-deal Brexit,’ your EHIC card may be invalid. The government has stated that they’d like the scheme to continue after Brexit, but it’s not yet clear how UK cardholders will be affected.

Our Single Trip, Annual and Backpacker policies can help keep you protected during your holiday to Spain. Across our Single Trip and Annual policies, you can choose from our Bronze, Silver or Gold levels of cover. Depending on the policy you choose, you’ll be covered for: 

  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
  • *Not available with Bronze cover
  • **Only available with Gold cover
  • Terms and Conditions apply.
If you want to take part in any activities while you’re in Spain, you can also purchase add-ons to ensure that you’re properly covered. For example, if you’re taking a cruise around the Mediterranean, the Balearics or the Canary Islands, then our Cruise cover can protect you against cruise-specific risks, including cabin confinement and itinerary changes. Or, if you’re heading to one of Spain’s world-famous golf courses like the Real Club Valderrama (which hosted one of the greatest Ryder Cups of all time), our Golf add-on can provide you with the cover you need.

If you’re planning to visit Spain on a holiday, then you can stay for up to three months without a visa.

Please note that, if the UK leaves the EU with a ‘no-deal Brexit,’ rules for living and working in the EU will change. However, you still shouldn’t need a visa for short trips. The European Commission has proposed that British Citizens would be able to visit countries in the Schengen area, or elsewhere in the EU, for up to 90 days in any 180-day period without a visa.

Spain is generally considered to be a safe place to visit, and most holiday-makers enjoy problem-free trips. But there are still some things you should be aware of when you visit Spain.

Firstly, like many countries, Spain’s busy tourist areas attract opportunistic criminals. If you’re heading to popular spots like La Sagrada Familia in Barcelona or the Santiago Bernabéu Stadium in Madrid, then you should be wary of pickpockets. Try to keep valuables hidden away in a zipped pocket or bag, and always make sure they’re out of sight when not in use. Thankfully, if the worst does happen and you’ve taken out our Silver or Gold travel insurance for Spain, then your personal possessions, including your cash and your passport, are covered.

You must also be careful when consuming alcohol. Recently, there have been a number of serious incidents (some fatal) where people have fallen from balconies while under the influence of alcohol or drugs. As well as having a devastating impact on your family and friends, if you injure yourself (or worse) whilst under the influence of alcohol or drugs, your insurance will be invalid. For full information, please see the General Exclusions information in your policy documents. 

Whether you want to try your hand at surfing in Santander, fancy trekking in the Picos de Europa National Park or want to cycle around the plains, hills and mountains of Majorca, our travel insurance for Spain covers a number of sports and leisure activities as standard.

But if you want to try something a little bit riskier, you may need additional cover; our Sports and Leisure Activities insurance is appropriate for most travellers who are looking to get the adrenaline pumping.  

To understand exactly what you’re covered for, and to see what terms, conditions and exclusions apply, please check your policy documents

The cost of your travel insurance for Spain will depend on a number of factors, including:

  • The age and number of people travelling
  • The length of the trip
  • Whether anyone has a pre-existing medical condition they need to declare
  • Whether they need additional cover, such as our Cruise insurance or Golf cover

To understand exactly how much your travel insurance for Spain will cost you, visit our Get a Quote page. 

Before you travel to Spain, there are a number of things you should know. Firstly, smaller villages and towns are likely to honour siesta, which means that shops, bars and restaurants will close for a period of time in the afternoon.

In Spain, mealtimes tend to differ to the UK. This is most evident in the evenings, when restaurants will open later. Many Spanish people eat their evening meal after 9pm, so if you’re travelling with children and need to eat earlier, then you may have to do some research on restaurant opening times before you set off.

In the summer months, the weather can be extremely hot and sunny. Even if the forecast isn’t great, you should still pack plenty of sun cream, in case the weather improves whilst you’re away. And if it is sunny during your visit, you should avoid being out in the direct sunlight for long periods.

Finally, languages and cultures vary across the country. For example, if you visit the north-eastern area of the country around Barcelona and Costa Brava, you’re likely to be surrounded by a Catalan culture and language. But, if you visit the region that straddles the border between France and Spain, then you’ll see the Basque culture and language. As a result, you should research the area you’re visiting before you travel, to see whether there’s anything you need to know about the local culture before you arrive. 

If you fancy taking your whole family to the beaches of Spain this summer, then you may find that our Family travel insurance is best suited to your needs. 

With our Group travel insurance, you can place up to 12 adults on the same trip, so you can enjoy a Spanish getaway together. 

Planning on taking more than one trip to Spain this year? Our Annual travel insurance can provide you with the cover you need for multiple visits.
Whether you plan to go kayaking in San Sebastián or trekking in Camino de Santiago, get active on holiday with our Sports and Leisure insurance. And if you fancy doing something a little more extreme, we can help cover you for that too. 

Whether you’re planning to take a city break to Barcelona or want to lounge on the beaches of Alicante, our Single Trip travel insurance can help cover you for trips lasting up to 180 days. 
If you want to visit Spain but have a pre-existing medical condition you need to declare, then our travel insurance with medical conditions may be able to cover you. Get a quote today to see. 

Spain’s a great location for a cruise holiday. Our Cruise insurance can help protect you from cruise-specific risks like cabin confinement and itinerary changes.