Best Travel Insurance for Visiting Spain: Top Plans & Cost (2024)

Do I 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.

Reasons why you may need travel insurance for Spain:

Our top picks for the best Spain travel insurance

Advertiser Disclosure

[{"label":"Medical Emergencies","icon":"lat-icon-injury","slug":"medical-emergencies","properties":[{"label":"Type of medical coverage","key":"type-of-medical-coverage","order":"1"},{"label":"Emergency Medical","key":"emergency-medical","order":"2"},{"label":"Medical Evacuation & Repatriation","key":"medical-evacuation-repatriation","order":"3"},{"label":"Covers COVID","key":"covers-covid","order":"4"},{"label":"Pre-Existing Conditions","key":"pre-existing-conditions","order":"5"},{"label":"Extension Of Coverage","key":"extension-of-coverage","order":"6"},{"label":"Non-Medical Evacuation","key":"non-medical-evacuation","order":"7"}]},{"label":"Cancellation, Interruptions & Delays","icon":"lat-icon-time","slug":"cancellation-interruptions-delays","properties":[{"label":"Trip Cancellation","key":"trip-cancellation","order":"1"},{"label":"Trip Interruption","key":"trip-interruption","order":"2"},{"label":"Travel Delays","key":"travel-delays","order":"3"},{"label":"Missed Connection","key":"missed-connection","order":"4"},{"label":"Baggage Loss","key":"baggage-loss","order":"5"},{"label":"Baggage Delay","key":"baggage-delay","order":"6"}]},{"label":"Accidental Death","icon":"lat-icon-coffin","slug":"accidental-death","properties":[{"label":"24 Hour AD&D","key":"24-hour-ad","order":"1"},{"label":"Flight Only AD&D","key":"flight-only-ad","order":"2"},{"label":"Common Carrier AD&D","key":"common-carrier-ad","order":"3"}]},{"label":"Sports & Adventure","icon":"lat-icon-mountain","slug":"sports-adventure","properties":[{"label":"Sports & Activities","key":"sports-activities","order":"4"},{"label":"Sports Equipment Loss","key":"sports-equipment-loss","order":"5"},{"label":"Sports Equipment Delay","key":"sports-equipment-delay","order":"6"},{"label":"Sports Fees","key":"sports-fees","order":"7"}]},{"label":"Other Benefits","icon":"lat-icon-protection-hands","slug":"other-benefits","properties":[{"label":"Rental Car Damage","key":"rental-car-damage","order":"1"},{"label":"Money Back Guarantee","key":"money-back-guarantee","order":"2"},{"label":"24 Hour Assistance Service","key":"24-hour-assistance-service","order":"3"},{"label":"Cancel For Any Reason","key":"cancel-for-any-reason","order":"4"},{"label":"AMBest Rating","key":"bbb-rating","order":"5"},{"label":"Better Business Bureau Rating","key":"am-best-rating","order":"6"}]}]

[{"id":"65cddb7468d2f886028c35bf","active":true,"company_slug":"seven-corners-inc","product_slug":"seven-corners-inc-trip-protection-choice","name":"Trip Protection Choice","image":"","cta":{"phone":{"text":"","number":""},"text":"","url":"","comment":"","disclaimer":"via Squaremouth’s secure website"},"rating":{"title":"","disclaimer":null,"score":"","stars":"","url":""},"properties":[{"id":"65cde988c028e3d8a28addf8","active":true,"property_slug":"type-of-medical-coverage","key":"Type of medical coverage","value":"Primary","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adeb8","active":true,"property_slug":"emergency-medical","key":"Emergency Medical","value":"$500,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28aded0","active":true,"property_slug":"medical-evacuation-repatriation","key":"Medical Evacuation & Repatriation","value":"$1,000,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf00","active":true,"property_slug":"pre-existing-conditions","key":"Pre-Existing Conditions","value":"Waiver Available","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf18","active":true,"property_slug":"extension-of-coverage","key":"Extension Of Coverage","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf30","active":true,"property_slug":"non-medical-evacuation","key":"Non-Medical Evacuation","value":"$20,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":7,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"100% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"150% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf78","active":true,"property_slug":"travel-delays","key":"Travel Delays","value":"6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf90","active":true,"property_slug":"missed-connection","key":"Missed Connection","value":"3+ hours \nCruise & tour only","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adfa8","active":true,"property_slug":"baggage-loss","key":"Baggage Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfc0","active":true,"property_slug":"baggage-delay","key":"Baggage Delay","value":"6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfd8","active":true,"property_slug":"24-hour-ad","key":"24 Hour AD&D","value":"$20,000","property_group_slug":"65cddd5468d2f886028c3d49","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28adff0","active":true,"property_slug":"flight-only-ad","key":"Flight Only AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28ae008","active":true,"property_slug":"common-carrier-ad","key":"Common Carrier AD&D","value":"$40,000","property_group_slug":"65cddd5468d2f886028c3d49","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae020","active":true,"property_slug":"sports-activities","key":"Sports & Activities","value":"Some Sports","property_group_slug":"65cddd5468d2f886028c3d58","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae038","active":true,"property_slug":"sports-equipment-loss","key":"Sports Equipment Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae050","active":true,"property_slug":"sports-equipment-delay","key":"Sports Equipment Delay","value":"Optional Add-on","property_group_slug":"65cddd5468d2f886028c3d58","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae068","active":true,"property_slug":"sports-fees","key":"Sports Fees","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":7,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae080","active":true,"property_slug":"rental-car-damage","key":"Rental Car Damage","value":"Optional Add-on","property_group_slug":"65cddd5568d2f886028c3d67","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae098","active":true,"property_slug":"money-back-guarantee","key":"Money Back Guarantee","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0b0","active":true,"property_slug":"24-hour-assistance-service","key":"24 Hour Assistance Service","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0c8","active":true,"property_slug":"cancel-for-any-reason","key":"Cancel For Any Reason","value":"Optional Add-on","property_group_slug":"65cddd5568d2f886028c3d67","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","key":"Covers COVID","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":2}],"infos":[{"label":"Maximum annual coverage","text":""},{"label":"Reimbursem*nt choices","text":""},{"label":"Deductible choices","text":""}],"pros":[{"text":"Offers coverage for pre-existing conditions"},{"text":"Money-back guarantee"},{"text":"Cancellation & Interruption coverage standard"},{"text":"Covers action sports & equipment"}],"cons":[{"text":"Cancel for any reason not included standard"},{"text":"Must meet waiver for pre-existing conditions to be covered"}],"page_slug":"/insurance/guides/travel-insurance-spain","page_id":"65ce0138538ff2e9b0b4f05b","page_title":"Best Spain Travel Insurance: Top Plans & Cost","rates_and_fees_url":"","key_takeaway":"","why_we_like_it":"This Trip Protection Choice plan from Seven Corners offers great all-around coverage at a competitive price. Although at the lower end of the price spectrum, Trip Protection Choice provides travelers to Canada with a reassuring $500,000 in primary medical coverage. To match this high level of coverage, this plan from Seven Corners also offers $1 million in medevac and repatriation coverage, which is some of the highest around.\n\nFurther popular additions include trip cancellation, interruption, and delay coverage, accidental death & dismemberment coverage, baggage damage and loss coverage, and a 14-day money-back guarantee.\n\nTrip Protection Choice is a great choice for those with pre-existing conditions. The pre-existing conditions waiver stipulates you can be covered if:\n\n- The policy payment & enrollment form is received within 20 days of the initial trip payments/deposits and within 15 days of payment for any subsequent travel arrangements added to your trip\n\n- You or your traveling companion are medically able to travel and at the time your premium is paid based on the assessment of a physician.","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Best for Pre-Existing Conditions","featuredDeal":"","coverage_text":"","order":1,"additional_info":"","product_description":"","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""},{"id":"65cddb8168d2f886028c38ef","active":true,"company_slug":"faye-travel-insurance","product_slug":"faye-travel-insurance","name":"Faye Travel Protection Plan","image":"","cta":{"phone":{"text":"","number":""},"text":"","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":"via the Faye website"},"rating":{"title":"","disclaimer":null,"score":"","stars":"","url":""},"properties":[{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"150% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"100% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde988c028e3d8a28addf8","active":true,"property_slug":"type-of-medical-coverage","key":"Type of medical coverage","value":"Primary for International trips","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf00","active":true,"property_slug":"pre-existing-conditions","key":"Pre-Existing Conditions","value":"Waiver Available","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf18","active":true,"property_slug":"extension-of-coverage","key":"Extension Of Coverage","value":"In certain circ*mstances","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf30","active":true,"property_slug":"non-medical-evacuation","key":"Non-Medical Evacuation","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":7,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf78","active":true,"property_slug":"travel-delays","key":"Travel Delays","value":"$4500 limit, 6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf90","active":true,"property_slug":"missed-connection","key":"Missed Connection","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adfa8","active":true,"property_slug":"baggage-loss","key":"Baggage Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfc0","active":true,"property_slug":"baggage-delay","key":"Baggage Delay","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfd8","active":true,"property_slug":"24-hour-ad","key":"24 Hour AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28adff0","active":true,"property_slug":"flight-only-ad","key":"Flight Only AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28ae008","active":true,"property_slug":"common-carrier-ad","key":"Common Carrier AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae020","active":true,"property_slug":"sports-activities","key":"Sports & Activities","value":"Extreme Sports optional","property_group_slug":"65cddd5468d2f886028c3d58","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae038","active":true,"property_slug":"sports-equipment-loss","key":"Sports Equipment Loss","value":"YES, as baggage","property_group_slug":"65cddd5468d2f886028c3d58","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae050","active":true,"property_slug":"sports-equipment-delay","key":"Sports Equipment Delay","value":"YES, as baggage","property_group_slug":"65cddd5468d2f886028c3d58","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae068","active":true,"property_slug":"sports-fees","key":"Sports Fees","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":7,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae080","active":true,"property_slug":"rental-car-damage","key":"Rental Car Damage","value":"Optional","property_group_slug":"65cddd5568d2f886028c3d67","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae098","active":true,"property_slug":"money-back-guarantee","key":"Money Back Guarantee","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0b0","active":true,"property_slug":"24-hour-assistance-service","key":"24 Hour Assistance Service","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0c8","active":true,"property_slug":"cancel-for-any-reason","key":"Cancel For Any Reason","value":"Optional","property_group_slug":"65cddd5568d2f886028c3d67","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","key":"Covers COVID","value":"Yes","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":2},{"id":"65cde9cac028e3d8a28adeb8","active":true,"property_slug":"emergency-medical","key":"Emergency Medical","value":"$100,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":3},{"id":"65cde9cac028e3d8a28aded0","active":true,"property_slug":"medical-evacuation-repatriation","key":"Medical Evacuation & Repatriation","value":"$500,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":3}],"infos":[{"label":"Maximum annual coverage","text":""},{"label":"Reimbursem*nt choices","text":""},{"label":"Deductible choices","text":""}],"pros":[{"text":"Friendly agents"},{"text":"Easy-to-use mobile app"},{"text":"Fast reimbursem*nts for eligible claims"},{"text":"Prompt replies to questions"}],"cons":[{"text":"Long wait times for reimbursem*nt"},{"text":"Difficulty reaching Faye outside of email & virtual chat"}],"page_slug":"/insurance/guides/travel-insurance-spain","page_id":"65ce0138538ff2e9b0b4f05b","page_title":"Best Spain Travel Insurance: Top Plans & Cost","rates_and_fees_url":"","key_takeaway":"","why_we_like_it":"Faye is a newer provider that offers great travel coverage that is completely customizable. The coverage limits are high, and it's well-known for how easy it is to buy and manage your plan through Faye. \n\nThey are an app-based service providing a streamlined user experience. The claims process is known for being one of the fastest around, and Faye is quickly growing to be a major contender and disruptor in the travel insurance game. \n\n{: .arrow-link}\n\n[Read our full Faye Travel Insurance review](https://www.latimes.com/compare-deals/insurance/travel/faye-travel-insurance-review)\n\n","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Quick Claims & Easy to Use","featuredDeal":"","coverage_text":"","order":3,"additional_info":"","product_description":"","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""}]

[{"id":"65cddaf368d2f886028c3083","active":true,"company_slug":"seven-corners-inc","name":"Seven Corners","image":"../assets/img/providers/seven-corners-inc.svg","provider_quote_form":"https://www.squaremouth.com/23096/seven-corners-inc?tag=latimes","button_text":"GET A QUOTE","cta_url":"https://www.squaremouth.com/travel-insurance-providers/seven-corners-inc/?aid=23096&tag=latimes","star_rating":"","rating":{"title":"","disclaimer":"","score":"","stars":"","url":""},"cta":{"phone":{"text":"","number":""},"text":"GET A QUOTE","url":"https://www.squaremouth.com/travel-insurance-providers/seven-corners-inc/?aid=23096&tag=latimes","comment":"","disclaimer":""},"form":{"text":"","url":"https://www.squaremouth.com/23096/seven-corners-inc?tag=latimes","comment":"","disclaimer":""},"markdown_block_1_open":false,"markdown_block_2_open":false,"markdown_block_1_pulldown":false,"markdown_block_2_pulldown":false,"product_description_open":false,"product_description_pulldown":false},{"id":"65cddaf768d2f886028c3183","active":true,"company_slug":"faye-travel-insurance","name":"Faye Travel Insurance","image":"../assets/img/providers/faye_travel_insurance_logo.jpeg","provider_quote_form":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","button_text":"Check Pricing","cta_url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","star_rating":"4.5","rating":{"title":"","disclaimer":"","score":"","stars":"4.5","url":""},"cta":{"phone":{"text":"","number":""},"text":"Check Pricing","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":""},"form":{"text":"","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":""},"markdown_block_1_open":false,"markdown_block_2_open":false,"markdown_block_1_pulldown":false,"markdown_block_2_pulldown":false,"product_description_open":false,"product_description_pulldown":false}]

How much is travel insurance for Spain?

According to sales data from Squaremouth, Spain travel insurance policies cost between $200 and $250 per week on average.

Based on our official sales figures over the past year, our customers’ average travel insurance cost is £217.17.

That said, the cost of travel insurance can vary widely based on factors like the age of travelers, the size of the traveling group, and the total trip cost.

By identifying what coverage you actually need you can find avoid expensive travel insurance. The length of the trip can also play a role in the cost of travel insurance.

Here are some example quotes from six different providers covering a seven-night trip to Spain for two 40-year-olds in September of 2024 that cost them $5,000.

While this example can give you a ballpark idea of how much comprehensive travel insurance for Spain could cost, it’s important to note that the actual cost you will pay will depend heavily on your individual trip details.

You can use our comparison tool below to see exact prices tailored for your trip details.

What does Spain travel insurance cover?

When you begin shopping for travel insurance for trips to Spain, you’ll quickly discover that insurance plans vary widely, as do their costs.

You’ll also notice you can purchase single-trip, multi-trip or annual travel insurance to protect your trips to Spain and other countries you plan to visit while overseas.

To protect yourself as much as possible, you should strive to buy a travel insurance policy that is as inclusive as possible with ample policy limits.

Make sure to look for the following types of coverage as you compare travel insurance plans.

• Travel medical insurance
• Medical evacuation insurance
• Trip cancellation insurance
• Trip interruption insurance
• Trip delay insurance
• Baggage insurance

We’ll break down these types of insurance and what they are below.

Travel medical insurance

While Spanish residents with citizenship enjoy universal public healthcare, tourists visiting from the United States and elsewhere do not qualify for the same benefits. You’ll get treatment if you become sick or injured during your trip, but you’ll be on the hook for the bills that result. With that in mind, travel health insurance is easily the most important type of coverage you’ll want to have for travel to Spain.

Ideally, you’ll purchase a policy that has at least $50,000 in coverage for emergency medical expenses per traveler. This type of protection can pay for medical bills that arise if you come down with COVID-19 during your trip, you break an ankle while walking on cobblestone streets or you experience a cardiac event. In that case, you may also consider a COVID-19 travel insurance.

Medical evacuation insurance

Medical evacuation insurance, or medevac, can help pay for emergency evacuation and transportation when you become sick or injured while traveling.

If you’re on the side of a mountain in a remote area of Spain and you break a limb, for example, medevac coverage could pay for an ambulance or helicopter ride to the local hospital.

The American Embassy of Madrid’s website mentions the the following about emergency medical evacuations from Spain:

“There are no U.S. government funds available to pay for medical treatment or medical evacuations, and U.S. nationality does not entitle a person to a military medical evacuation free of charge. Medical evacuations can in fact cost up to $100,000 and the cost is born by the ill or injured person, the family and or the medical insurance company.”

Emergency evacuation and transportation coverage can also pay for a medically supervised flight back to your home country if a supervising physician recommends it.

Trip cancellation insurance

Trip cancellation insurance can reimburse you for non-refundable, pre-paid travel expenses when your trip must be canceled for a covered reason beyond your control. This type of coverage can come into play if you’re called to jury duty over your travel dates, or if one of your travel companions becomes gravely ill or passes away before you leave for Spain.

Some policies also offer cancel for any reason (CFAR) travel insurance as an optional add-on. This type of insurance lets you cancel your trip for any reason at all, at which point you’ll get 50% to 75% of prepaid travel expenses back depending on the plan.

Trip interruption insurance

Trip interruption insurance can reimburse you for prepaid travel expenses when your trip must be interrupted after it has already started. Examples of when this coverage kicks in include instances where a travel companion gets sick after a trip is underway or a natural disaster makes a stop on your itinerary uninhabitable.

When trip interruption coverage applies, it can reimburse for nonrefundable travel expenses you didn’t get to use as well as transportation costs to get home.

Trip delay insurance

Trip delay insurance can help pay for unplanned expenses that occur when your trip is delayed, including meals you have to pay for or overnight hotel stays. Most trip delay coverage won’t apply until your trip has been delayed for at least six or 12 hours, and daily and maximum limits typically apply.

Baggage insurance

If your bags are delayed at your destination and you wind up having to pay for toiletries, clothing, electronics chargers or other required items, baggage delay coverage can reimburse you for these out-of-pocket expenses. That said, baggage delay coverage typically only applies after bags are delayed for at least six or 12 hours, and daily and maximum limits apply.

If your bags are lost or stolen while on their way to Spain, or even after you get there, you may be entitled to compensation from your travel insurance provider. Coverage for lost luggage typically comes with a maximum limit per traveler and trip, and separate limits for high-value items like electronics and jewelry can apply.

What is not covered?

Most travel insurance policies come with a standard list of exclusions, although these can vary widely among travel insurance companies.

Here’s a rundown of what may not be covered by Spain travel insurance:

• Participation in extreme sports:
  If you plan to take part in extreme sports like base jumping or rock climbing during your Spanish vacation, you’ll want to make sure your travel insurance plan doesn’t explicitly prohibit these activities. Also consider buying a policy from insurance companies that cover adventure sports, such as World Nomads.
• Pre-existing medical conditions:
  Most pre-existing conditions are not covered by travel insurance unless a policy comes with a pre-existing conditions waiver. Note that qualifying for a pre-existing conditions waiver typically requires you to purchase travel insurance within 14 or 15 days of making an initial trip deposit.
• Pregnancy-related care, including normal delivery:
  Emergency care for traveling while pregnant can be covered by a travel insurance policy overseas, but regular wellness care and normal delivery will not be.
• Non-emergency treatment that can wait until you return home:
  Only emergency medical care is covered by travel insurance, and all other procedures will have to wait until you get home.
• Travel restrictions imposed by government authorities:
  If a government authority says a specific destination should not be visited, it’s unlikely travel insurance provides coverage in that area.

It’s also worth noting that some travel insurance companies exclude Spain and some other countries in Europe due to the increased risk of injury among past travelers. This means you can buy travel insurance for trips to Spain, but you may have fewer companies to choose from.

Tips for choosing the best Spain travel insurance

Whether you’re planning your trip far ahead or you’re hoping to book a last-minute trip to Spain, several moves can help you secure the best travel insurance coverage for your needs.

We recommend you consider the following tips as you browse and compare plans.

Spain travel information & requirements

Tips for traveling to Spain from the US

Spanish restaurants:
Meal times in Spain have a unique rhythm that can often catch unaware travelers off guard. A first breakfast, known locally as ‘desayuno’, usually takes place before 9 am and is regularly eaten at home. A second breakfast, ‘almuerzo’, is eaten around mid-morning and when local cafes are open. Lunchtime, ‘comida’, is taken around 2 to 4 pm, after which many restaurants and cafes may close. An early evening meal, known as ‘merienda’ is often eaten from 5 to 7 pm and a late dinner, ‘cena’, is eaten between 8.30 and 10.30 pm.

Opening hours:
Along with the unusual Spanish meal times, general opening hours may differ from what you are used to back home during the summer months. Stores and restaurants are usually continually open from 10 am to 9 pm but during the summer, they may close between 2 and 5 pm.

Transportation:
Spain has a strongly integrated transportation system consisting of major airports, bus charters, and one of the largest and most modern railway networks in Europe. Major cities such as Madrid, Barcelona, and Bilbao also have their own integrated metro systems. All of this enables you to travel quickly and efficiently across Spain and the Iberian peninsula as a whole.

FAQs - Travel Insurance Spain

Explore related articles by topic

• Travel Insurance
• Travel Insurance for Seniors
• Medical Evacuation Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Annual Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Travel Insurance Worth It?
• Is Flight Insurance Worth It?
• Pregnancy Travel Insurance
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Costa Rica Travel Insurance
• Spain Travel Insurance
• Italy Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Mexico Travel Insurance
• Christmas In Mexico
• Canada Travel Insurance
• France Travel Insurance
• Germany Travel Insurance
• UK Travel Insurance
• Bahamas Travel Insurance
• Europe Travel Insurance
• Trip Cancellation Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance
• Safari Travel Insurance
• Nationwide Cruise Insurance Review
• Hurricane Travel Insurance
• Travel Insurance
• Does AARP Offer Travel Insurance?