cheap travel insurance for expats living in spain

IbericaInsurance

Travel Insurance for expats in Spain

Best Travel insurance in Spain, for expats and english speaking people.

Personal Liability

Medical Expenses

Emergency Assistance

The Best Travel Insurance for Expat in Spain

If you are an expatriate residing in Spain or considering relocating there, it is imperative that you possess an all-encompassing travel insurance policy to shield yourself from unforeseen events during your visit.

At Iberica Insurance, we comprehend the distinct necessities of expats and present custom travel insurance schemes tailored to meet your specific prerequisites.

Overview of the importance of travel insurance for expats

Our travel insurance policies cover an extensive range of advantages, comprising medical expenditures, trip cancellation or disruption, vanished or confiscated baggage, and individual liability. Furthermore, our policies are constructed to abide by Spanish regulations and meet the necessities to procure a visa.

Risks and potential expenses that travel insurance can cover

We cooperate with eminent insurance providers to ensure that our policies offer comprehensive coverage at a reasonable price. Our team of proficient insurance experts is committed to delivering personalized service and aiding you with any inquiries or reservations you might have.

Do not leave your well-being to chance during your visit to Spain. Contact Iberica Insurance immediately to learn more about our travel insurance plans for expats and attain peace of mind while discovering all that Spain has to present.

Types of travel insurance for expats in Spain

If you are a foreign national residing in Spain, it is crucial to possess appropriate travel insurance to safeguard yourself throughout your journeys. At Iberica Insurance, we provide a multitude of travel insurance policies customized to cater to the requirements of expats in Spain.

Medical travel insurance

Our medical travel insurance policy encompasses emergency medical expenses while on the move, which includes hospitalization, surgery, and medication. This policy is imperative for any individual who may necessitate medical attention while away from their abode.

Trip cancellation and interruption insurance

Moreover, our trip cancellation and interruption insurance policy furnishes coverage for unforeseeable events that might prompt you to cancel or halt your trip, such as a family emergency or unexpected ailment.

If you are carrying pricey possessions, our baggage and personal belongings insurance policy is capable of providing coverage for lost, filched, or damaged items.

Baggage and personal belongings insurance

Lastly, our emergency evacuation insurance policy encompasses the expenses related to emergency medical evacuation, should you require transportation to a nearby medical facility.

Emergency evacuation insurance

At Iberica Insurance, we comprehend that each traveler’s needs are exceptional. That’s why we present an assortment of travel insurance policies to aid you in safeguarding yourself and your beloveds during your voyages. Get in touch with us today to learn more about our policies and discover the coverage that’s appropriate for you.

Considerations for choosing travel insurance for expats in Spain

Selecting appropriate travel insurance for expats in Spain requires several key considerations.

Length of stay in Spain

The length of your stay in Spain is a critical factor to consider. If you are planning an extensive stay, you may require different coverage than a short vacation. You should select a policy that covers the entire duration of your stay in the country.

Age and health status

Another vital consideration is your age and health status. Elderly travelers or those with pre-existing medical conditions may require more comprehensive coverage. They could be at a higher risk of encountering medical emergencies while traveling. It is necessary to carefully review the coverage limits and exclusions of any policies you are contemplating to ensure adequate protection.

Type of activities planned during the trip

Finally, you must deliberate on the activities you plan to participate in while in Spain. Suppose you are planning to engage in adventure sports or other high-risk activities. In that case, you must obtain coverage that explicitly includes those activities. Conversely, suppose you are arranging a more laid-back trip. In that case, you may be able to choose a more fundamental policy.

By contemplating these essential factors, you can select travel insurance that provides the appropriate level of protection for your needs as an expat in Spain. At Iberica Insurance, we offer a range of travel insurance options tailored explicitly for expats in Spain. So, you can confidently travel, knowing you are appropriately covered.

Coverage desired

Are you searching for insurance provisions in Spain? At Iberica Insurance, we acknowledge the fact that the insurance demands of each person are distinctive. This is why we provide personalized coverage alternatives that are based on your specific prerequisites. Whether you are seeking rudimentary coverage or something more comprehensive, we possess the suitable policy that meets your requisites.

Pre-existing medical conditions

At Iberica Insurance, we recognize that everyone has unique insurance needs. That’s why we offer coverage for a wide range of scenarios that other insurance providers may not cover. If you have a pre-existing medical condition, we can work with you to find a policy that meets your specific requirements. 

Extreme sports or adventure activities

Additionally, we understand that some of our clients enjoy extreme sports or adventure activities, and we can provide coverage to ensure that you’re protected while pursuing your passions.

High-value items that may need coverage

Finally, if you have high-value items that need to be insured, we can help you get the coverage you need to protect your investment. Our friendly and experienced team is here to help you find the right policy for your needs, so you can have peace of mind knowing that you’re protected no matter what life throws your way.

How to purchase travel insurance for expats in Spain

To purchase travel insurance for your trips outside of the country, you have a few options. You can either purchase travel insurance online from a reputable provider or through a local insurance broker in the country you will be traveling to.

It’s important to do your research and compare policies to ensure you’re getting the coverage you need. Factors to consider when selecting a policy include the length of your trip, the activities you plan on doing, and any pre-existing medical conditions you may have.

If you’re an expat living in Spain, you can consider purchasing travel insurance from Iberica Insurance, which specializes in providing insurance solutions for expats in Spain. Their team of experts can guide you through the process and answer any questions you may have.

Remember, having travel insurance can provide peace of mind and financial protection during unexpected situations while traveling. So, make sure you have the proper travel insurance in place for your next trip.

Comparison shopping and getting quotes from multiple providers

If you’re looking for travel insurance that fits your needs and budget, it’s always a good idea to compare prices and policies from multiple providers. At Iberica Insurance, we specialize in providing travel insurance options for expats, and our team is here to help guide you through the process.

We know that unexpected events can put a damper on your travels, which is why we offer a range of travel insurance options to help give you peace of mind. So why not get in touch with us today and start exploring your options? Our friendly and knowledgeable team is standing by to answer any questions you may have and help you find the right travel insurance policy for your needs.

Understanding the terms and conditions of the policy

At Iberica Insurance, we believe that it’s important for our clients to fully understand the terms and conditions of their policy. Our team of experts is always available to provide clear and concise explanations of your coverage, so you can make informed decisions about your insurance needs. We know that insurance can be overwhelming and confusing, but we’re committed to making the process as transparent and easy to understand as possible. We believe that building trust with our clients starts with being open and upfront about all aspects of their policy. If you have any questions or concerns, please don’t hesitate to reach out to us. We’re here to help!

Tips for using travel insurance as an expat in Spain

Travel insurance is an important aspect of trip planning, and we have some tips to help you make the most of it. The first and most important step is to familiarize yourself with the terms and conditions of your policy. This will ensure that you understand what is covered and what is not, so you can avoid any unexpected surprises.

Familiarizing oneself with the terms and conditions of the policy

Another useful tip is to keep all your documentation and receipts for any expenses that may be covered by your insurance policy. This documentation will be helpful in case you need to make a claim. It’s also important to understand the claims process and know how to report a claim. By doing so, you can make the process smoother and reduce the stress and hassle of making a claim.

Keeping documentation and receipts for any expenses that may be covered by the policy

At Iberica Insurance, we understand that expats have unique needs when it comes to insurance coverage, and we are committed to providing you with the support and protection you need.

Our team of friendly and knowledgeable professionals is always available to answer your questions and help you find the right insurance policy to meet your needs. Whether you are looking for comprehensive coverage for your entire family or a simple policy to protect yourself while traveling, we have the expertise and experience to guide you through the process.

So if you have any questions or would like more information about our insurance policies, please do not hesitate to contact us. We are always happy to help, and we look forward to assisting you with all your insurance needs during your time in Spain.

Understanding the claims process and how to report a claim

Our goal is to process your claim quickly and efficiently, so you can get back to your normal routine as soon as possible.

We believe in transparency and clear communication with our clients. That’s why we’ll keep you informed throughout the entire claims process and provide regular updates on the status of your claim. You can trust that we have your best interests in mind.

If you have any questions about the claims process or need to report a claim, please don’t hesitate to reach out to us. We’re here to help and provide you with the peace of mind you deserve.

Travel insurance is an essential necessity for expats living in Spain. At Iberica Insurance, we provide comprehensive and tailored coverage for medical expenses, trip cancellation or interruption, lost or stolen baggage, and personal liability. We work with leading insurance providers and offer personalized service to ensure that our clients find the policy that is right for them. Consider factors such as the length of stay in Spain, age and health status, and type of activities planned during the trip when selecting a policy. Get in touch with us today to learn more about our travel insurance plans for expats in Spain.

Travel Insurance

Travel insurance with Insurance Cover Spain

Holidays and travel are usually the highlight of everyone’s year. It is estimated that an average of €1000 per family per year on holidays and travel. This number can be significantly higher if these trips are longer or further away from home.

The money we spend on travel is not insignificant and many households work hard all year savings up for that week or two at their favorite holiday destinations. This is why travel insurance is so important, because, as much as we wish it didn’t, incidents and unexpected problems can arise on your way to, during or on your way home from your trip.

For this reason, we offer very competitive travel insurance policies, tailored to almost any kind of trip you can book, with an array of extra coverages you won’t find anywhere else at rates that are fair, without losing out on the special extras.

Our policies don’t just come with all the bells and whistles, our provider, Caser Seguros, also has their own in-house 24/7 contact centre for you to be able to get the assistance you need, fast. The team at the emergency contact centre specialise in emergencies while abroad and are able to offer you support, and personalized solutions based on the situation you may find yourself in.

We also have special protocols for people with reduced mobility, to ensure that their trip is, fully accessible, hinderance free and has a carefully planned out plans of action based on the special assistance they may need.

Our coverages start form as little as 9€ depending on the duration and destination of your journey.

Why would I need to have travel insurance?  

While there is indeed no obligation to have travel insurance and it’s possible that on previous trips you didn’t opt for any, it’s always a good idea to spend a little extra on your holiday overall and include cover to ensure that in the event of a problem, you aren’t stranded having to use your own devices and funding to ensure you get the help you need.

Of course, we don’t wish to gaslight you and your travel plans, but several things can occur while on holiday abroad. Things like a medical emergency, a dental emergency, early return due to illness, language barriers, or the loss or theft of luggage can creep up on your when you least expect it and these issues can be costly, difficult to maneuver in a foreign country and sometimes there are just no resources where you are to address this issues.

As rare and as unlikely as these occurrences are, they do happen to thousands of travelers each year. While that is a small percentage, it’s not to be ignored.

Another lesser discussed aspect of travel is your own civil liability, in the event that you cause damage or harm to someone or their property due to negligence. In these instances, you are liable for the cost of these damages, unless otherwise insured by the affected in question. This is why we include civil liability in our claims, so that even if you do make a mistake, you won’t be out of pocket, ruining an otherwise fantastic holiday.

It’s extremely important to know that, while here at home, you know that in the event of an accident that isn’t your fault, you are entitled to certain compensations and you have certain rights to ensure you are treated fairly, not every country in the world has these same laws and policies, it can vary significantly, especially if you travel outside of Europe.

For all these reasons, taking the initiative to protect yourself and your friends or family before your trip is crucial, allowing you to then simply enjoy the time away and get some well-deserved downtime, however you decide to spend it.

Different options suited to your trip

Our covers vary widely in order to encumber any kind of trip you may have planned. We have covers that are specific to your needs based on the trip you are planning:

Standard Travel Insurance

Our straightforward travel insurance will apply to most trips that you are planning. These policies give you cover in Spain, Europe or worldwide depending on your needs and include all the necessities to make sure you are safe while aboard, including health cover, repatriation, extensions due to illness, accommodation transfers for relatives, interpreting services in the event of an emergency, early return, baggage handling, cover on public transport and much more.

This kind of cover is designed for one-off trips up to 90 days consecutively, and can be taken out anytime form the date of booking right up to the day before you travel, so don’t worry if you have already booked, we can still provide you with cover.

Cancelation Insurance

This is a very specific cover relating solely to the event of cancelation of your journey. While this is partially covered in our standard travel insurance, we also offer this specific cover that entitles you, the traveller, to refunds or reimbursements in the event that you are unable to attend to your travel obligations.

As we all know, certain bookings are non-refundable and regardless of how you try, you will either need to pay up for a certain aspect of your journey, such as hotel bookings, flights or experience days, regardless of whether you ultimately attend or not.

Not only that but in the event of you having to return home early due to illness or an accident, we can offer you reimbursement for unused travel time.  

Annual Multi-Journey Insurance

Some people travel a lot more than once a year. For those who are lucky enough to have these opportunities, we offer annual and 6 monthly policies that will cover various journeys or longer consecutive journeys if required, with all the bells and whistles that our other travel policies offer.

Cruise Insurance

We have specific policies tailor made for people who enjoy a cruise. Our general policies do not usually cover travel on a cruise ship, so if that’s the plan for your holidays this season, then we’ve got the cover for you!

We have fixed rates for our cruising customers, with cover that includes all of our usual travel policies’ aspects but with a more precise look at possible problems that can occur on board, thus giving you many extras such as special medical cover for both on board and on land as well as cancelations for 26 of the most common and less likely reasons included.

When should I request my travel insurance to be issued?

There is no deadline for applying for the insurance as such, but it cannot be taken out before booking the trip, nor after you have started your journey. In short that means that you can take out one of our policies between the date of booking and the day before your scheduled to travel.

One thing that does have a time limitation is the cancelation component of all the policies. In order to be able to take advantage of the reimbursement for cancelations, you must take out the policy with us no later than 48 hours after purchasing your travel tickets.

If you decide to take the policy out after the 48h have passed, we cannot guarantee that a claim in the event of a cancelation can be honoured. That being said, this is the only aspect of our policies with limitation revolving around timing. All other policies and characteristics of their covers are not limited or conditional to when you decide to take the policy out.

So why not get in touch?

Both our sales and customer service team are here to help you find the policy that works for you. We will always ensure that we have asked enough questions about the nature of the cover you need before making recommendations. Our claims department and 24/7 emergency contact centre are also available at any time, should the need for assistance arise.

We want you to enjoy your holidays, without having to worry about eventualities or indeed deal with a difficult situation alone, while abroad. So we’re here to make sure you come home as relaxed as can be, with plenty stories, pictures and memories that will stay with you forever.

Sebastian Dombrowicz (Insurance Cover Spain) Calle Canónigo Torres 8, 2c 03181 Torrevieja (Alicante) España

DGSFP Registration: C0031X09920818K. Registered agent for Caser Seguros.

Insurance Cover Spain © 2022-24 Sebastian Dombrowicz. All Rights Reserved. Service Provided by Sebastian Dombrowicz.

Sebastian Dombrowicz - NIF Number: X9920818K

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Affordable Travel Insurance for Expats in Spain

• por Elisabeth Gonzalez Smith
• agosto 29, 2024

Are you an expat living in Spain looking for affordable travel insurance? Look no further! We have compiled a list of the best cheap travel insurance options tailored specifically for expats in Spain. Say goodbye to expensive premiums and hello to peace of mind on your next adventure. Read on to find the perfect policy for your needs.

How much does health insurance cost for expats in Spain?

Health insurance for expats in Spain typically costs between €100 to €200 per month. For those insured with the SNS, the premiums are covered by social security contributions based on income. This ensures access to quality healthcare without the financial burden often associated with private insurance plans.

How much is travel insurance for a week in Spain?

A Europe travel insurance policy for Spain could cost as little as £6.84 for a week’s stay. However, the cost of your travel insurance will also depend on the activities you plan to do – you may need to pay more to cover certain sports and activities.

What insurance do you need to travel to Spain?

When traveling to Spain, it is essential to have the proper insurance coverage for any medical emergencies that may arise. To ensure you receive medically necessary state healthcare in Spain, it is recommended to obtain a Global Health Insurance Card (GHIC) or a European Health Insurance Card (EHIC). These cards provide access to healthcare services while abroad and can be easily obtained through the NHS’s website with information on how to apply for a GHIC and how to get temporary cover if needed.

Having the right insurance coverage for your trip to Spain can give you peace of mind and ensure you are prepared for any unexpected medical expenses. By obtaining a GHIC or EHIC, you can access medically necessary state healthcare in Spain without incurring high costs. It is important to plan ahead and secure the necessary insurance to protect yourself in case of any emergencies while traveling.

Protect Your Adventure: Affordable Travel Insurance for Expats in Spain

Planning to embark on an exciting adventure in Spain? Make sure to protect your journey with affordable travel insurance designed for expats. Our comprehensive coverage includes medical expenses, trip cancellation, and lost baggage, ensuring peace of mind throughout your stay in this vibrant country. Don’t let unexpected circumstances derail your plans – safeguard your adventure with the best insurance plan tailored for expats in Spain.

With our affordable travel insurance options, you can explore Spain with confidence, knowing that you are covered in case of emergencies. Whether you’re hiking in the Pyrenees, sampling tapas in Barcelona, or sunbathing on the beaches of Costa del Sol, our policies provide the protection you need to fully enjoy your time abroad. Don’t let worries about unforeseen events hold you back – invest in travel insurance and focus on creating unforgettable memories in Spain.

Peace of Mind Abroad: Budget-Friendly Travel Insurance for Expats in Spain

Are you an expat in Spain looking for budget-friendly travel insurance that gives you peace of mind? Look no further! Our comprehensive insurance plans are designed specifically for expats living in Spain, providing coverage for medical emergencies, trip cancellations, and more. With affordable premiums and a range of customizable options, you can travel with confidence knowing you’re protected wherever you go.

Say goodbye to the stress of unexpected expenses while living abroad and say hello to worry-free travel with our budget-friendly insurance plans. Whether you’re exploring the vibrant streets of Barcelona or relaxing on the beaches of the Costa del Sol, our coverage will ensure you have the peace of mind you need to fully enjoy your time in Spain. Don’t let the fear of the unknown hold you back – invest in your safety and security with our reliable and affordable travel insurance today.

Safe Travels, Smart Choices: Affordable Insurance Options for Expats in Spain

Are you an expat living in Spain? Protect yourself and your loved ones with affordable insurance options that provide peace of mind while you explore your new home. From comprehensive health coverage to reliable car insurance, there are a variety of plans available to suit your needs and budget. Don’t let unexpected accidents or illnesses derail your adventure – make smart choices and ensure safe travels with the right insurance coverage.

In conclusion, finding affordable and comprehensive travel insurance as an expat in Spain is crucial for peace of mind and financial security. By comparing different options and considering factors such as coverage, cost, and customer reviews, expats can find the right policy to suit their needs. With the right cheap travel insurance, expats can explore their new home and travel with confidence, knowing that they are protected in case of any unexpected events. Don’t let the cost of travel insurance deter you from exploring Spain – with the right research and planning, you can find a policy that fits your budget and provides the coverage you need.

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Travel Insurance for Spanish Residents

Spanish residents Travel Insurance. No hidden extra's. Cruise cover and Covid protection included. 

Medical Emergency Assistance service

Pre-existing medical conditions are covered as standard

Cover for trekking to altitudes of up to 3500 meters as standard

Travel insurance is available for people aged up to 89

Wide range of travel insurance policy extras

Travel Insurance for People Living in Spain

Globelink specializes in providing travel insurance for Spanish residents. We have been providing quality travel insurance for Spain for 25 years.

Spain remains one of the unrivalled top holiday destinations and with a population of over 46 million, Spanish residents and the Expat community in Spain are also avid travellers - for both business or leisure purposes and more of you are choosing Globelink travel insurance to protect trips abroad and at home. Spain residents, whether visting family abroad, or taking a holiday, can protect themselves against risks like cancellation, medical emergencies, loss or theft of luggage and much more. Get a quote if you you need travel insurance for Spanish residents. It includes Cruise cover and Covid protection for free.

Already Travelling? No worries!

Whether you have already travelled and forgotten to purchase Travel Insurance before leaving, or if your policy has expired, you can still get cover with a Globelink Already Travelling Policy. So you relax in the knowledge that you can buy travel insurance even if you are already overseas. LEARN MORE

Spain's capital is Madrid and other major locations include Alicante, Barcelona, Bilbao, Malaga, Seville and Valencia - all amazing locations to visit.

Globelink offers cheap travel insurance for Spanish residents. As well as budget options, we offer full protection with our Annual Multi Trip and Comprehensive options which cover you for up to 10 Million in Medical and Repatriation expenses. If you are planning a trip abroad, remember your travel insurance which you can buy on line in minutes and you'll get your documents emailed to you immediately.

What's included with Comprehensive Single Trip or Annual Multi-Trip Travel Insurance?

Our Comprehensive and Annual Multi-trip policies provide great cover - and we don't expect you to pay extra for Cruise Cover and Covid Protection. You can buy up to one year in advance with Single Trip options, or up to 4 months in advance if buying Annual Cover. Annual Travel insurance allows you to travel as many times as you like, with no maximum 'days abroad' restrictions - as long as your trip stays within your selected trip duration.

Cover Includes:

• 10 Million Medical and Repatriation Expenses
• Free Cruise Cover
• Cancellation and Curtailment
• Personal Liability cover up to 2 Million
• End Supplier Failure Cover if your supplier goes bust
• Personal Accident Cover up to £25,000 (conditions apply)
• over 50 Pre-existing medical conditions
• over 100 Adventure activities

Authorised and Regulated by the Financial Conduct Authority and the ICCS in Europe, Globelink are the leading provider of annual multi trip policies and single trip cover for people living in Spain, Europe and EEA countries.

Globelink Annual Multi Trip policies give cover for an unlimited number of trips with a choice of cover for Worldwide or Europe only. You can select from policies giving a maximum individual trip duration of 17, 31, 45, 60, 90 or 120 days. This is reduced to a maximum of 60 days for people aged 66 to 70 and 31 days for people aged 71 to 74.

Policies for annual multi trips are available for people aged up to 79. Children aged 17 years or under are covered for free.

Travel Cover for over 50 pre-existing medical conditions are included.

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

Already Travelling Policy

Forgotten to take cover? Travel insurance has run out? No worries! Globelink will still get you covered!

Get cover online immediately with Globelink. You don\'t need to be in your home country, you can buy a policy from anywhere in the world even after you?ve started your trip. As long as your usual place of residence is in the UK or EU.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total

Seniors Travel Insurance

Travel the world regardless of your age. It is safe and easy with Globelink Travel Insurance.

Single Trip Travel Insurance for people aged up to 89 years and Annual Multi Trip Travel Insurance for people aged up to 79.

Why Choose Globelink

Available for eu and uk residents.

You can buy a Globelink Travel Insurance policy wherever you live within the UK/EU or EEA

Pre-existing medical conditions

Wide range of pre-existing medical conditions covered as standard for free.

Kids travel for free with family

Annual policies cover your children under 18 years to travel with you at no extra cost.

Available for age groups up to 89

Single trip policies are designed for up to 89 years old travellers. Annual policies are available for people aged up to 79.

Cruise Cover included as standard

We know you love cruising, so it is covered as standard on all policies.

100+ Sports & Activities covered

Globelink now covers more adventure activities than ever before.

Why Our Customers Love Us?

Average rating 4.5 / 5, from over 2323 reviews, 93% of our Customers rate their customer experience as Excellent or Great!

I been using Globelink for years for my travel insurance needed, recently they were able to proved me cover for a trip to Antarctica

Website easy to navigate. Good cover, including many pre existing conditions for senior UK ex pats living permanently in Spain and at a competitive price

We have used Globelink for our travel insurance for many years. Always on hand to answer any queries and nothing is ever too much trouble. Many thanks we can book any holiday knowing that we are in safe hands.

Easy to understand website. Clear explanation of what you get. Even better when it comes to claim handling. Had to claim last year, simple and efficient.

I talked with one of your female employees. She was very helpful explaining the changes to my individual claim and gave me a very good offer. She was also very pleasant throughout our conversation. Thank you.

It’s very user friendly to renew yearly and I am happy to know that I will be entirely covered during my travels

Great company So easy to purchase. The lady I dealt with was so good and efficient.

Very easy to navigate website. Extreamly good cover as we are in our 60's and the premium was very good.

Really simple application process, with excellent prices given that we fall into the 71+ category. On telephoning to adjust the policy the staff could not have been more efficient or helpful. Would highly recommend

I was very impressed with the Globelink representative. Very helpful, nothing was to much trouble for him. A friend made a call for me, then I met him the following day, all done, After I had been searching the internet for quotes for over three weeks, which was very stressful as my vacation was getting very close Thank you

We have taken out Globelink International Travel Insurance (as expats living in Germany) for several years now. Easy online process. As yet we\'ve never had to make a claim but it gives us piece of mind when we are travelling that we have travel insurance covering us regardless of where we travel.

Globelink International Travel Insurance are the most competitive and safe travel insurance company to deal with. Their web site is easy to navigate and is supported by a helpful on line system. We have used them for travel in the USA, Caribbean, Greek Islands and the Mediterranean and every time their cost is better than other companies. My wife and I are Senior's so naturally we look to cover us both 100% and can always rely on Globelink to provide us with adequate travel insurance cover. Bill - Gloucestershire

Frequently Asked Questions

Why is travel insurance to spain more expensive.

Globelink offer the same price for travel insurance cover to any European country. The cheapest policy is £ (based on 1 adult aged up to 50 travelling to any European country for up to 5 days). Unlike some other providers, we don’t charge more for Spain.

What travel insurance do i need for Spain?

It depends on your needs and trip duration. As a minimum you should ensure you have emergency medical cover and cover against cancellation and curtailment of your trip. Globelink offer a range of travel insurance policies with different cover options available, from budget Economy to Comprehensive cover.

How much does travel insurance for Spain cost?

It depends on the type of policy you choose, trip duration and number of travellers. The cheapest policy is £ (based on 1 adult aged up to 50 travelling to Spain for up to 5 days).

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

Get 20% OFF Covid Testing with any Travel insurance purchase

Best Expat Insurance in Spain | Tailored Coverage & Rates

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Safeguard your company with extensive business insurance coverage. Explore our small business policies to find the ideal protection for your enterprise and secure the best coverage from top insurance brokers. Compare insurance quotes with us to access the most competitive rates.

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Affordable Expat Insurance Quotes in Spain

Explore affordable insurance options for expats in Spain with our free insurance quotes. Whether you need the best health insurance , car insurance , travel insurance , or home insurance , our platform makes it easy to find cheap insurance quotes tailored to your needs. Contact us today for expat insurance quotes from top insurance companies and discover cost-effective insurance solutions that won’t break the bank.

Top Insurance Companies in Spain

At UEI, we specialize in offering comprehensive expat insurance solutions in Spain by comparing the best national insurance companies, both Spanish and international . We recommend policies only from top-rated insurers to ensure you receive the most reliable and customized insurance coverage available. Our focus is on providing expats with trusted, personalized, and comprehensive insurance plans.

High-Quality Insurance Services

Your peace of mind is our top priority at UEI. We’re here to provide the knowledge and confidence you need to make informed decisions about your expat insurance in Spain. With professional support in Spanish and English, and guided by our deep understanding of the local market, we ensure that you find the right insurance policy and the protection you deserve.

Buy the Best and Most Affordable Expat Insurance Policy in Spain

Electronic devices insurance.

Electronic and digital device insurance is coverage for your mobile phone, tablet, laptop, smartwatch, cameras, headphones, video game console, and much more. It allows you to decide whether you want full 24/7 coverage or to protect your items only when you need it most by turning the coverage ‘ON’ or ‘OFF’ according to your needs. Super easy! And pay only for what you use.

+ Simple. You can turn your coverage 'ON' or 'OFF' with just one click.

+ Transparent. You have control over your insurance. No fine print!

+ Customized. You have all the protection you need, whenever you want it.

• In case of theft (robbery with force or intimidation).
• Accidental damage. Unexpected damages that occur unintentionally... those that haven't been done on purpose.
• Electrical damage. Damages that cause the malfunction of the device, for instance, in the event of a short circuit.
• Liquid damage. Damage caused by accidental exposure to liquids, resulting in the device ceasing to function.

Annual.   You’ll have protection 24/7 for the entire 12-month duration of the contract.

On-Demand.  You decide when you want to be protected. In ‘ON’ mode, your insurance coverage will be active, and in ‘OFF’ mode, you won’t be covered.

All devices you insure will be protected for 12 months. If you have the On-Demand option, you should have your coverages set to ‘ON’ for a minimum of 90 days.

To calculate your insurance premiums, we consider the device’s market value, your date of birth, location, and the option you select — either Annual or On-Demand.

Who Needs Expat Insurance?

As individuals and families embark on their journey to make Spain their home, whether for a temporary or permanent stay , our commitment is to provide the precise and comprehensive protection they need. Our goal is to ensure that you can fully enjoy the unique lifestyle that this wonderful country offers, with the confidence that comes from knowing you have the right expat insurance coverage.

• Digital nomads & freelancers
• Job seekers & new arrivals
• Retired or not working
• International students

What our client's says

Wonderful company! I definitely recommend United expat insurance They have been awesome at finding the best coverage for me! they helped to find me coverage that is affordable! was happy to listen to the recommendation that was given to me!.                                                                                  

We have been with United expat insurance for a long time. Great customer service. we love that we can pick up a phone & call our broker, an immediate and helpful answer, We have had to make insurance claims over the years and it was easy and hassle-free. Highly recommend it for all your insurance needs.                            

Get up to 20% off when bundling home insurance with other policies

Frequently asked questions

Expat insurance in Spain is a specialized form of insurance designed to meet the unique needs of expatriates living in Spain. It typically covers essential services such as health services, emergency care, medical repatriation, and more. This insurance policy esnures comprehensive coverage that addresses the specific needs of expats. For expert advice on finding the best expat insurance quotes or comparing different expat insurance groups, consult with an expat insurance broker like United Expat Insurance .

While Spain offers quality healthcare, expat insurance is crucial for accessing English-speaking medical professionals and covering services not included in the public system. It helps manage healthcare costs and ensures you receive tailored care as an expatriate. Whether you're looking for term insurance, temporary insurance cover, or affordable insurance solutions, United Expat Insurance can provide personalized guidance.

Expat insurance in Spain generally covers health services, emergency medical care, and medical repatriation. Additional benefits like dental, vision care, and coverage for pre-existing conditions are often available. The coverage varies by insurance policy, so it’s important to compare insurance quotes online and explore the best insurance policy options available. United Expat Insurance can help you navigate these choices and compare insurance quotes from top providers.

Some international insurance plans may offer limited coverage in Spain, but having dedicated expat insurance is highly recommended for complete protection. This avoids gaps in coverage and ensures you are fully insured. For the best term insurance plan or temporary insurance options, work with an experienced expat insurance broker like United Expat Insurance .

Coverage for pre-existing conditions depends on the insurance provider and specific policy. Some plans may include this coverage with conditions or exclusions. It’s advisable to discuss your needs with an insurance adjuster or broker to find the best insurance policy suited to your situation. United Expat Insurance can assist you in selecting the right expat insurance coverage.

Yes, many expat insurance plans include repatriation in cases of serious illness, injury, or death. Ensuring this coverage is part of your insurance policy is important. For complete solutions and competitive insurance rates, United Expat Insurance offers comprehensive coverage options.

Selecting the best expat insurance plan requires considering coverage needs, budget, and the level of service you require. Comparing insurance quotes online and consulting with brokers like United Expat Insurance can help you identify the best insurance plan. Whether you’re seeking a cheap insurance quote, a short-term insurance solution, or a reliable long-term policy, expert guidance is key.

Age limits for expat insurance policies can vary. While some policies impose restrictions, others provide coverage regardless of age. It’s crucial to review policy details and work with an expat insurance broker to ensure your needs are met. United Expat Insurance offers personalized advice on the best term insurance plan for expatriates of all ages.

Yes, many expat insurance plans offer comprehensive family coverage, including health services, emergency care, and repatriation. Family-focused insurance policies ensure that your loved ones are protected. Explore flexible insurance plans and compare insurance quotes online with United Expat Insurance to find the most suitable family coverage.

Expat insurance provides peace of mind, access to high-quality healthcare, and support in emergencies. It’s an essential part of ensuring you and your family receive appropriate care. Additionally, having a trusted insurance broker like United Expat Insurance helps you secure the best insurance policy, whether it’s a term insurance plan, temp cover insurance, or full insurance coverage.

To find affordable expat insurance in Spain, start by comparing insurance quotes online. Utilize tools to explore cheap insurance quotes and consult with brokers like United Expat Insurance for tailored options. Whether you need temporary insurance, supplemental insurance, or more than insurance coverage, we can help you find the right plan at the best price.

The top insurance companies for expats in Spain are those offering customizable and comprehensive expat insurance plans. United Expat Insurance compares insurance companies near you and recommends the best insurance options that fit your needs, including those offering provisional insurance and specialized international insurance coverage.

The cheapest expat insurance price can be found by comparing quotes from various insurance companies and utilizing online tools to find the best deals. Consult with insurance brokers or insurance agents like United Expat Insurance to help you identify affordable options that meet your requirements.

Finding cheap expat insurance in Spain is easier when you compare insurance quotes from multiple providers. United Expat Insurance helps you find the best deals on insurance coverage, including short-term and online insurance options. We focus on finding you cheap insurance quotes that don’t compromise on essential coverage.

The best expat insurance plans for families in Spain include comprehensive health services, emergency care, and repatriation coverage. United Expat Insurance helps you explore insurance plans that offer flexible and extensive options tailored to your family’s needs. For a free insurance quote or help selecting the right insurance policy, consult with us today.

Expat insurance generally includes coverage for healthcare services, emergency medical care, medical repatriation, and sometimes additional benefits such as dental and vision care. Review the policy details to understand what each plan offers and select one that suits your needs. For expert advice, consult United Expat Insurance .

Yes, most expat insurance policies cover emergency medical services in Spain. This coverage ensures prompt access to care in emergencies. For details on coverage levels and to find the best annual or term insurance plan, consult United Expat Insurance .

Yes, you can easily buy expat insurance online through various platforms and insurance services. Use online tools to compare insurance quotes, including temporary insurance cover and supplemental insurance options. For a trusted insurance provider, work with United Expat Insurance .

Choosing the best term insurance plan involves comparing quotes, considering coverage options, and consulting with experts. United Expat Insurance specializes in helping expats find the best term insurance policy, with the right balance of affordability and protection.

The cost of expat insurance in Spain varies based on the coverage level, policy details, and provider. To get accurate insurance rates, compare insurance quotes online and consult with brokers at United Expat Insurance . We help you find affordable insurance that meets your needs.

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Travel Insurance for Spain

Whether you're dancing to the rhythm of castanets in Seville, savoring the world's finest paella, or trying to keep up with speedy siestas, Spain promises unforgettable experiences for all travelers. However, before you shout "Olé!" and begin your tapas-filled journey to this European gem, let's talk about your crucial companion: travel insurance . In this guide, we'll tell you everything you need to know about travel insurance for Spain, ensuring you can dive into the world of fiestas without breaking a sweat over the bumps in the road!

• What should your Travel insurance cover for a trip to Spain? 

How does Travel Insurance for Spain work?

• Do I need Travel Insurance for Spain? 
• How much does Travel Insurance cost for Spain? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Spain?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to spain.

At a minimum, your travel insurance to Spain should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Spain.

Let's imagine you're in the heart of Valencia, indulging in paella and exploring the lively Mercado Central. What started as a gastronomic adventure takes an unexpected turn when you fall victim to food poisoning. In this unfortunate scenario, the "Emergency Medical" benefit of AXA Travel Protection becomes your lifeline. A travel protection plan steps in to assist and support you, ensuring you receive the necessary medical care. From hospital stays to prescribed medications, travel insurance support allows you to focus on recovering rather than worrying about the mounting bills. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Spain?

If you're applying for a Schengen Visa to visit Spain, having travel insurance is mandatory. However, we still recommend that travelers who are not required to secure a Schengen visa consider travel insurance. Medical expenses can be quite high for international visitors, and having insurance becomes even more crucial as you'll be responsible for covering prescription costs. Why? There are several reasons:

Medical Emergencies: A visit to Spain may pose unexpected health challenges. Access to quality medical care is essential in case of illnesses or accidents. Travel insurance ensures that you can receive necessary medical attention without worrying about the financial burden.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Missed Connections: Spain's busy airports and transit hubs may lead to missed connections, especially if there are delays or cancellations. Travel insurance may cover expenses like rebooking fees and accommodations if you miss a connecting flight.

How much does Travel Insurance cost for Spain?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Spain will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Spain hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Spain’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Spain's stunning landscapes in a rental car. Additionally, the "Loss Golf Days" benefit could be particularly beneficial for travelers heading to Spain, especially if they plan to indulge in golfing activities during their trip. This optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you are unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

Are there any COVID-19 estrictions for Travelers to Spain?

While it's advisable for international travelers to be fully vaccinated, there is no requirement to provide proof of vaccination. Currently, travel regulations have returned to standard protocols for most visitors.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Spain?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Spain?

Travel insurance is not mandatory for U.S. citizens visiting Spain, but it is strongly recommended.

4. What is needed to visit Spain from the USA?

U.S. citizens can visit Spain for tourism or business for a maximum of 90 days without needing a visa. Just make sure your passport remains valid for at least three months beyond your intended stay. Additionally, you will need proof of funds and a return airline ticket.

5. What happens if a tourist gets sick in Spain?

If you become sick in Spain, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

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Travel Insurance

At Fit 2 Trip, we want to offer the best value travel insurance to customers regardless of their pre-existing medical circumstances, which is why we offer travel insurance for families, couples, individual travelers and people with pre-existing medical conditions.

The travel insurance we offer are:

• Medical expenses only travel insurance : includes trip interruption and protects customers against emergency medical expenses that may arise during their trip. These include surgery, hospitalisation, transportation by ambulance, nursing, emergency dental treatment, expert care in arranging medical care or transportation home, and funeral and repatriation expenses, among others.
• Multi-risk travel insurance : provides comprehensive travel assistance that includes emergency medical expenses, as well as personal accident, repatriation, cancellation or interruption of the trip. It also includes loss of transportation, accidental loss, theft or damage of luggage or own money, or delay of your trip or your luggage. The costs of civil liability, legal expenses abroad, kidnapping and robbery, attention to pets and expenses in case of catastrophe are also covered under this policy.

Both travel insurances are available for single trips, multiple trips and annual trips through an annual multi-trip policy *. Policies are available in three coverage levels: Basic, Standard or Premium, depending on your needs, so finding cheap travel insurance is possible. The maximum coverages for each level are shown in the table below. For example, the cancellation coverage in a basic policy is up to 1,000 euros, while for a standard policy it is 3,000 euros and for a premium policy it is up to 7,500 euros.

To purchase your travel insurance at Fit 2 Trip you must be a resident of Spain or an expatriate living in Spain. You can take out travel insurance online or by phone.

In addition, when taking out your travel insurance online or by phone, there is the possibility of adding coverage for adventure activities and winter sports to the main policy. Winter sports coverages cover the additional benefits of accidental theft or damage to your own ski equipment or rental ski equipment, slope closure, avalanche, and slide closure, among others.

When buying travel insurance online, Fit 2 Trip uses a rigorous medical analysis process to evaluate its clients individually and adapt travel insurance to the individual needs of each person. Some of the pre-existing conditions that may be covered when hiring online travel insurance with Fit 2 Trip are: cardiovascular diseases, cancer, diabetes, asthma, ophthalmological diseases, immunodeficiencies, neurological, psychological, digestive, urinary, endocrine, chromosomal or genetics, among others.

* For annual multi-trip policies, no trip must exceed 31 days.

Read the General Conditions

Cancellation Cover

Medical Expenses Only

Multi-Risk Policy

Pre-existing Medical Conditions

Annual Coverage

Europe Travel Insurance

Worldwide with Exclusions

Worldwide Travel Insurance with and without exclusions

Travel Insurance for Expats

Travel Insurance for Golf

Winter Sports Travel Insurances

Travel Insurance for Couples

Business Trip Travel Insurance

Sports and Activities

Insurance for Solo Travellers

Travel Insurance for Groups

COVID-19 Cover

Living In Spain: Comprehensive Expat Guide 2024

• Last Updated: April 5, 2024

Moving to Spain can be complex, filled with legalities, cultural differences, and other challenges.  This guide will walk you through everything you need to know about setting up a life as an expat in Spain, ensuring your transition is as smooth as possible. 

In this guide:  

• The legalities of moving to Spain: Visas and residency options, registration on a Pardon, NIE, opening a bank account, and other paperwork.
• Costs and expenses associated with moving to and living in Spain.
• Healthcare and health insurance: Your options and costs.
• Travel, public transport, infrastructure .
• Housing and accommodation: Available real estate, renting, and buying.
• Education and schools .
• Where to live in Spain: Overview of the most popular expat destination.

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Spain highlights

High quality of life:  Spain consistently ranks high in the quality of life index, boasting a pleasant climate, rich culture, and world-class healthcare system. It ranks 14th globally in the 2021 Human Development Index.

Affordable cost of living: The cost of living in Spain is relatively inexpensive compared to many Western European and North American countries.

Quality healthcare: Spain has a highly regarded healthcare system offering universal healthcare to all its legal residents.

Cultural richness: Spain is renowned for its rich history, diverse culture, vibrant festivals, and world-class cuisine. It has 49 UNESCO World Heritage Sites, showcasing its cultural and historical importance.

Great for retirement: Spain is a popular retirement destination ranking high among the best countries for retirement, especially for European expats. Its sunny climate, affordable healthcare, and relaxed lifestyle are attractive factors. 

Ease of residency: There are various residency options for non-EU citizens, including retirees, investors, and digital nomads.

Well-developed infrastructure: Reliable internet connectivity, extensive road networks, and efficient train system. 

Things to keep in mind

Bureaucracy: Red tape can be extensive when dealing with administrative tasks.

Language barrier: If you don’t speak Spanish, you may struggle to integrate or deal with official matters.

Stagnant job market: Unemployment rates can be high in Spain, particularly for young people.

Relatively high taxes: Generally, there is no special tax regime for expats in Spain, except in some cases falling under Beckham Law (details in the Taxes section). Spain’s taxation system might appear quite heavy depending on where you’re moving from.

Spain as a retirement destination

According to the  Expatra Global Retirement Survey , Spain consistently appears in the top ten best countries to retire worldwide .

The survey asks international retirees to rate their retirement destination’s infrastructure, climate, ease of settling down, value for money, friendliness, and other aspects of life in Spain. Here’s how Spain scores:

Visas and residency options for non-EU citizens

If you are non-EU national planning to move to Spain independently (not being relocated by your employer), you have several options when it comes to visas and residency:

Non-Lucrative Visa – for retirees and people with passive incomes:

• Ideal for individuals who wish to reside in Spain without engaging in any work or professional activities.
• Requires proof of sufficient financial means to support oneself and any dependents.

Golden Visa – for investors:

• Designed for investors and entrepreneurs willing to make a significant investment in Spain.
• Requires a minimum investment in real estate, business projects, public debt, or bank deposits.
• Grants residency and, eventually, the opportunity to apply for permanent residency or citizenship.

Digital Nomad Visa – for remote workers and digital nomads:

• Specifically for remote workers or freelancers who can work online and are not tied to a physical location.
• Allows individuals to live and work in Spain while employed by a foreign company or self-employed.

Entrepreneur Visa  – for people wanting to start a business in Spain:

• Targets entrepreneurs intending to start a business in Spain or undertake a self-employed activity.
• Requires a viable business plan, sufficient financial resources, and the creation of jobs or economic impact in Spain.

The most popular options for expats are the non-lucrative visa (NLV), Golden Visa (GV), and digital nomad visa (DNV). 

Here’s how they compare:

• *IPREM sets the minimum amount of an individual’s earnings. The IPREM for 2023 is €600 per month. You must show €2,400 as a regular guaranteed monthly income or a yearly income of €28,800.
• ** Spanish minimum wage is currently set at €1,050 a month.

EU Blue Card – for highly skilled professionals

• EU Blue Cards allow Spanish companies to hire highly qualified individuals from non-EU countries.
• Requires proof of a higher professional qualification or possessing at least five years of professional experience at a similar level.
• Requires a job offer from a Spanish employer for a paid position (self-employed individuals are ineligible).
• Applications for the EU Blue Card are submitted by the Spanish employer.

You can find the details and requirements for every visa type in our guide to Spain Visas And Residency Options. 

The cost of living and moving expenses

When comparing the cost of living in Spain to Northern Europe and Northern America, on average:

• Housing: Approximately 30-40% lower in Spain.
• Groceries: About 7-25% lower in Spain.
• Dining Out: Roughly 10-20% cheaper in Spain.
• Transportation: Generally 25-40% less expensive in Spain.

These numbers may vary based on the specific region within Spain. However, they provide a good indication of the cost differences in these essential living expenses.

Let’s look at various costs more closely.

Legal costs

Legal help to sort out your visas and residency, including putting the right documents together plus necessary translations and legalization services (apostilles) and filling out the forms, can add up to the costs of your move.

It can cost between $2500 and $3500 for two people for Non-Lucrative Visa, for example. 

Typical legal fees for Golden Visa applications are around $9,000 for an individual applicant, $11,500 for a family of four during the initial application and $3,000 for each subsequent renewal.

Moving household goods to Spain

Shipping household belongings is always a big bill. Here are a few examples of the shipping costs to Spain:

• From the USA: on average, from $2,500 to $10,500. 
• From Canada: a  20-foot container – from $1,500,  a 40-foot container – from £1,800.
• From the UK: a 20-foot container- from £800, a 40-foot container- average £1,500, 
• From Sweden : a 20-foot container- from $2,400, a 40-foot container- from $2,600.

For more information, visit our guide, Planning And Organizing Removals To Spain .

Monthly expenses

Here’s a breakdown of some of the most common expenses you can expect:

Housing expenses

Rental prices vary significantly depending on where you want to live. Below is the average rent costs for a 1-bedroom apartment in a good area in the 10 most popular Spanish cities for expats. 

To learn more about the Spanish rental process and how to protect yourself as a tenant, read our Renting In Spain guide.

Spain offers a sound healthcare system that ranks among the best in the world. There are good hospitals and clinics all over the country. All major expat destinations have both private and public health facilities.

If you are a non-EU national, before you become a resident (for example, while you are applying for residency), private health insurance is required by law. 

When your residency is granted, you have several options to consider for your healthcare needs: 

Public healthcare

Spain’s National Health System, Sistema Nacional de Salud, provides free basic healthcare services to all residents, including expats. This system is funded by social security contributions, meaning employed or self-employed individuals in Spain are eligible.

Eligibility: If you are a legal resident in Spain and make social security contributions, you are eligible for state-run healthcare. This also applies to retirees from EU/EEA countries and Switzerland.

 Non-contributors who have lived in Spain for over 12 months can also opt-in by paying a monthly fee (Convenio Especial) which is generally lower than private insurance fees.

Please find more details in our guide, Health Insurance And Healthcare For Expats In Spain .

Local private health insurance

You may prefer to use private health insurance, which often provides quicker access to specialists and elective procedures and often includes coverage for dental care.

Numerous private insurance companies are available in Spain, so you should compare packages to find the one that best fits your needs.

International health insurance

International health insurance can provide coverage both in Spain, in your home country, and in other countries included in the policy.

This can be particularly useful if you often travel back and forth between Spain and your country of origin or want to ensure you can receive treatment in your home country if you need it.

International health insurance can be quite expensive. To make sure you get the best value for money, compare international health insurance options from various providers to find the best deal.

Internet and mobile connection

Mobile and internet services in Spain offer a competitive range of options with widespread coverage. Major telecommunication companies:

For example, a basic mobile plan with around 5GB of data and unlimited calls and texts can cost approximately €30-€40 per month.

High-speed fiber-optic internet is prevalent in urban areas, with speeds ranging from 100 Mbps to 1 Gbps. For instance, Movistar offers a 600 Mbps fiber plan at around €70 per month.

Overall, Spain has good internet coverage, especially in cities and urban areas, with average internet speeds around 76 Mbps, ranking above the global average. Mobile coverage is generally excellent, extending to even remote regions.

Bank accounts in Spain

Opening a bank account in Spain as a resident is pretty straightforward. Below is a list of required documents: 

• Passport or National Identity Card: Verify your identity with a valid and government-issued identification.
• Proof of employment, retirement, or student status: Expat residents will need to provide proof of employment or, for students, proof of enrollment at a Spanish institution to avoid financial stability inquiries.
• Spanish address proof: Your current Spanish address can be validated with a lease agreement or a utility bill.
• NIE Number: Número de Identificación de Extranjero, or Foreigner Identification Number, is a tax identification number in Spain.
• Financial statement: An up-to-date statement from your current bank may be required.

Non-resident bank accounts

There are cases when you need to open a bank account before you become a resident in Spain. Some high street banks, like Santander, offer non-resident bank accounts. 

Just remember that non-resident accounts with a Spanish bank are mostly fee-paying. 

Digital-only banks’ multicurrency accounts 

Here are some digital-only banks that provide the convenience of international banking that you can use in Spain: 

• Wise Borderless account: Acts like a bank account in multiple countries. It is favored by expats for its low-cost international money transfers.
• Revolut: Offers a variety of services, including a multi-currency account that can be beneficial for expats managing finances across different currencies.

To learn more, visit our Banking In Spain For Expats guide. 

Taxes in Spain

When you become a tax resident in Spain, you must pay all the taxes applicable to residents. Spain is not a low-tax country, so the tax burden can seem significant.

Residents living in Spain are subject to the following taxes: 

• Income Tax: Known as Impuesto Sobre la Renta de las Personas Físicas (IRPF), this tax is levied on individuals’ worldwide income, not just the income within Spain. The tax rates range from 19% to 47%.
• Wealth Tax: This is also known as Impuesto Sobre el Patrimonio . The tax applies to those whose worldwide assets are valued at more than €700,000. The rates range from 0.2% to 2.5%.
• VAT: Value Added Tax, or Impuesto Sobre el Valor Añadido (IVA), is levied on most goods and services in Spain. The standard VAT rate is 21%.
• Property Tax: Known as Impuesto sobre Bienes Inmuebles (IBI), this is a municipal tax imposed on the owner of the property. The annual tax rate ranges from is 0.4% to 1.1% of the property’s cadastral valuation.
• Capital Gains Tax: It applies to the profit from the sale of property or investments and ranges from 19% to 26%.
• Inheritance and Gift Tax: Formally known as Impuesto sobre Sucesiones y Donaciones (ISD), this is levied on inheritance received or gifts given; rates range from 7.65% to 34%.

Remember that tax rates and allowances can change annually and may be influenced by your personal circumstances. It is important to seek advice from tax professionals to better understand the local tax system and your obligations.

Non-resident taxpayer regime in Spain

If you are an employee assigned to Spain by your company or employed by a Spanish company, or moving to Spain with a Digital Nomad Visa and meet all the criteria to become tax-resident in Spain, in certain cases, you can have the option to choose the non-resident taxpayer rules for taxation.

Under this tax regime, employment income up to €600,000 is taxed at a rate of 24%, while income exceeding this amount is taxed at 45%.

For more information, visit our guide to Taxes In Spain For Residents And Non-Residents.  

Real estate in Spain: options and costs

Whether you prefer an apartment situated in a lively city center, a beautiful beachside villa, or a traditional Spanish house away from the city’s hustle and bustle, Spain has it all.

The average property price in Spain is around €2,000 per square meter.

Apartments in Madrid or Barcelona (the country’s most expensive areas) cost around €5,000 per square meter. While in Lugo and Murcia (the cheapest areas), the price per square meter is just above €1,100.

Here’s a breakdown of the popular real estate options for expats, along with the average price per square meter:

Please note that these are estimates, and the actual price can vary considerably based on location, property condition, proximity to amenities, and other factors.

When buying property in Spain , it’s recommended to enlist the services of a reputable real estate agent and a lawyer to navigate the process smoothly.

Below is a list of required documents you will need:

• Passport: the original and a copy.
• NIE Number (Número de Identificación de Extranjero):  a Spanish tax identification number for foreigners. 
• Bank account: you’ll need a Spanish bank account to pay for the property and associated expenses.
• Proof of funds: you need to provide proof of the source of your funds. This could be a bank statement or a pay slip.
• Private Purchase Contract (Contrato de Arras): This is a contract signed by you and the seller detailing the terms and conditions of the sale.

Buying real estate to qualify for the Spanish Golden Visa

Buying a property valued over €500,000 can qualify you for Spanish residency under the residency by investment program. 

Here are the key requirements: 

• Investment in real estate: A minimum investment of €500,000 in Spanish real estate is required. Your investment can be spread over several properties, and the total value should sum up to the required amount.
• Clean criminal record: You should possess a clean criminal record, not just in Spain but also in the countries where you’ve lived during the past five years.
• Health insurance: A private health insurance policy from a Spanish insurance company is obligatory.

Find more details in our guide to Spain Visas And Residency. To learn how the Spanish Golden Visa compares to other EU programs, visit our guide to European Golden Visa Programs .

Help with paperwork

Moving abroad can come with a daunting amount of paperwork, but fortunately for expats in Spain, there’s assistance available: gestors, or administrative professionals. 

Gestors are experts in Spanish bureaucracy and can help with everything from applying for residence permits to opening a bank account. Here’s what they can help you with: 

Gestors are not lawyers or accountants and cannot give you [professional advice. What they can do is manage the whole process for you, making sure the paperwork is done correctly, all the stamps are collected in the right order, all the necessary appointments are booked, and the language barrier is dealt with. 

Seeking the assistance of a Gestor can ultimately save expats time, stress, and confusion when navigating the quite often complex Spanish administrative landscape.

You can find out more about how gestors can help you in our guide to Gestorias In Spain . 

Spain public transport

Spain has an extensive public transport network, spanning from urban metros to cross-country trains. Here are the best forms of transportation available in Spain: 

1. Trains 

Spain’s national rail service, RENFE, operates high-speed AVE trains that link Madrid to all major cities in Spain and also travel to Lyon and Marseille.

2. Buses 

Buses are the cheapest way to travel in Sain. 

Local bus services are also available in most cities and towns. In major cities, buses typically complement the Metro or Tram services. In smaller cities, buses are the only form of public transportation.

There are several thousand domestic intercity bus routes . All airports have low-cost buses linking to the nearest large city. All major cities have bus connections between each other and the capital. 

Spain offers international bus routes connecting to various countries such as Portugal, France, Andorra, Italy, Germany, Switzerland, Belgium, and the Netherlands. 

3. Metros 

In larger cities such as Madrid and Barcelona, the metro systems are an efficient way to navigate through the city. They run regularly and offer reasonable prices. A single trip typically costs less than €2, with various types of tickets and plans available. 

4. Taxis 

Taxis in Spain are easily accessible, especially in urban areas. There’s a minimum charge, and the final cost depends on the distance traveled and the time of day. Services like Uber and Cabify operate in some Spanish cities. 

5. Bicycle-sharing schemes 

Several cities in Spain have bicycle-sharing schemes, which are an ecologically-friendly choice of transport. Madrid’s bike-sharing program, BiciMAD , is especially well-renowned. 

Tip: Public transport systems in Spain often offer travel cards or passes that can significantly reduce your travel costs. Consider purchasing a travel card if you plan on using public transport frequently.

Driving in Spain

If you’re a non-EU national planning to drive in Spain, here’s what you need to know: 

• 6-month window: you are allowed to drive in Spain using your existing foreign driver’s license for up to six months after you have registered for residency in Spain if your foreign driver’s license is in Spanish.
• International Driving Permit: If your driver’s license is not in Spanish, you’re required to obtain an International Driving Permit (IDP) in your home country before you leave. This document validates your driving license internationally.
• Spanish Translation: It is recommended to have a Spanish translation of your driving license. Some officials might ask for it during a road check.
• Getting a Spanish driver’s license: If you’re staying in Spain for more than six months, you must register with the local traffic authorities and may need to obtain a Spanish driving license.

Note: While driving, always carry your IDP, passport, and Spanish translation of your driving license. Not having these documents in your possession while driving can result in fines.

You can find more information in our guide to Buying A Car And Driving In Spain .

Schools and education

In Spain, education is compulsory from the ages of 6 to 16.

State-funded schools provide education free of charge, and all legal residents can send their children to s state-funded schools. The curriculum is taught in Spanish, and parents must pay for books and materials.

Church-run schools ( concertadas ), semi-private schools owned and operated by the church. They receive state funding and are open to all students offering basic education services free of charge. 

Parents will still need to contribute toward costs such as books, extra-curricular activities, and, sometimes, a voluntary donation to the church.

Twenty-six percent of Spain’s schools are  concertadas , and 76 percent of those are Catholic.

Private schools are funded by tuition fees. They provide a different learning environment, and some may follow alternative education theories, such as Montessori or Waldorf, or teach curriculum in a different language. 

Costs vary, but expect to pay between 4,000€ and 8,000€ per school year.

International schools often run on a British, American, French, or German curriculum, making them an appealing option for expats looking to maintain continuity in their children’s education. Fees depend on the school’s reputation and location. Costs range from 6,000€ to 20,000€ per school year.

Here are some of the top international schools in Spain: 

• Madrid’s International College Spain: This school offers an American-based curriculum and is known for its student-centered teaching methods.
• Barcelona’s American School: With an American curriculum, this school is esteemed for its teaching staff and diverse student body.
• British Council School in Madrid: This school offers a UK-based curriculum and is known for its focus on academic achievement.
• Kings College, Madrid: Renowned for its impressive student-teacher ratio, the school offers an enriched UK-based curriculum.
• Deutsche Schule Madrid: A German international school, it is recognized for its rich academic program and cultural immersion.
• Lycée Français de Madrid: This French international school is admired for its stimulating environment and strong academic record.
• American School of Valencia: Situated in Valencia, this school offers an American curriculum and a dynamic mix of local and international students.
• The British School of Alicante: A leading British international school located in Alicante. It is lauded for its focus on bolstering intellectual and social development.
• El Limonar International School, Murcia: A British school known for a well-rounded curriculum that includes a strong arts and sports program.
• English International College, Marbella: This British school in Marbella is distinguished for its high academic standards and a wide range of extracurricular activities.
• The American School of Bilbao: Located in the vibrant city of Bilbao, this American international school promotes a balanced education to help students excel in their chosen paths.
• Sotogrande International School: This British school, located in the south of Spain near Gibraltar, is particularly sought-after due to its innovative approach, offering the International Baccalaureate (IB) to all age groups.

Homeschooling in Spain

In Spain, homeschooling isn’t officially acknowledged by law. Education for children aged six to 16, as per the law, must be obtained from registered schools. 

Not enrolling your child in a recognized school may be deemed a violation of child rights by Spanish authorities. 

Nonetheless, the situation isn’t entirely clear. Some families have successfully defended their homeschooling rights in court. Thus, the legal stance remains somewhat uncertain. 

Higher education in Spain

Spain offers excellent educational opportunities. It hosts several reputable universities; the University of Barcelona and the Autonomous University of Madrid are ranked among the top 200 universities worldwide.

The top universities in Spain: 

• University of Barcelona: Known for its research and a broad array of study programs.
• Autonomous University of Madrid: Renowned for its faculties in Law, Economics, and Psychology.
• Complutense University of Madrid: It is one of the oldest universities in the world and leads nationally in a number of academic fields.
• University of Navarra: Recognized particularly for its programs in Journalism, Business, and Medicine.
• Autonomous University of Barcelona: Renowned for its departments in Sociology, Geography, and History.
• Pompeu Fabra University: Recognized for its strong emphasis on research, particularly in the areas of Economics, Political Science, and Law.
• University of Valencia: Renowned for its Pharmacy, Medicine, and Nursing faculties.

Socializing and integrating into the community

Spain is greatly favored by expats, with areas where English is widely spoken, expat services are available, international restaurants abound, and the need to integrate into local life is minimal. 

However, this is not necessarily what everyone wants. 

You will find so much joy in understanding the real essence of Spanish culture and way of life. It’s why we move to a foreign country – to experience all the aspects of life and embrace the differences.

Cultural highlights

Life in Spain is traditionally slow-paced and laid-back, with a strong emphasis on family, food, and festivities.

Here are some traditional Spanish lifestyle quirks that might come across as different, unique, or surprising to expats: 

• Diversity : Each Spanish region has its own customs, dialects, and traditions. Despite their differences, all Spaniards share a love for life, food, and family.
• Siesta time: Between 2 pm and 5 pm, many Spanish businesses close for siesta, a custom primarily followed in the smaller towns and cities. During these hours, locals usually eat lunch and take a short nap.
• Late dining: In Spain, people typically have dinner after 9 pm, much later than what might be standard in other countries. This late dining custom is largely due to the Spanish tradition of late-night socializing.
• Paseo culture: ‘Paseo’, or taking a slow, leisurely walk in the evenings, is a deeply entrenched Spanish tradition. Families and friends can often be found walking and socializing, usually after dinner.
• Fiestas: Spain is known for its colorful and vibrant festivals. They take their fiestas very seriously and it’s a part of their cultural identity. 
• Strong family ties: Family and extended kin hold a crucial place in Spanish society. It is not uncommon to see the whole family, including grandparents, parents, and children, gather for meals and outings often.

Language barrier

Learning Spanish before moving to Spain is highly beneficial for everyday interactions and integration. While you can get by with English in major cities and tourist areas, Spanish is the primary language in most parts of the country.

It’s not a requirement, but speaking Spanish makes navigating daily life more comfortable.

In places like Madrid, Barcelona, and the Costa del Sol ( Malaga , Marbella , Estepona , etc.), English is widely spoken due to international businesses and tourism.

However, in regions such as Galicia, Murcia, or Castile, a knowledge of Spanish will significantly enhance your experience. If you’re moving to Spain’s smaller towns or rural areas, learning Spanish is a necessity to get by. 

Expat groups and meeting places

A great way to get involved in the community and meet fellow expats is through groups or clubs. Here are some of them:

• SpainExpat (Facebook): An online community for expats in Spain.
• Costa Women: A free community for women living in Spain, with events and meetings across the country.
• The Local.es: An online news portal with a dedicated section for expats in Spain.
• Meetup: An app that allows you to find and join local groups in Spain based on your interests.
• University of the Third Age groups: The U3A (University of the Third Age) organizes various activities like book clubs and art groups for English-speaking individuals over 50 all over Spain.
• Volunteering opportunities: You can volunteer to help other expats and local charities and meet like-minded people. The Spanish Red Cross,  pet rescue centers, women’s associations, British charities like Help the Aged, Caritas, and local food banks always welcome volunteers. Check out the  Support in Spain website  for more options.

These groups will provide you with the opportunity to meet people who have had similar experiences and can provide useful tips and advice. They can make your transition to life in Spain much easier and more enjoyable.

Where to live in Spain

Spain offers diverse lifestyles and climates. Whether you prefer island living, the tranquility of the inland countryside, the temperate climate of the north, or the warm and sunny south, you’ll find it in Spain!

For urban facilities and infrastructure – the cities

If you are drawn to big city lifestyle and stunning natural sceneries, here are some of the most popular urban destinations: 

• Barcelona: Known for its unique blend of Catalan culture, stunning Gaudi architecture, and beautiful beaches. Find out more in our Living In Barcelona guide.
• Madrid: The Spanish capital offers a bustling city life with its rich history, diverse cuisines, and high-quality life. More details are in our Living In Madrid guide.
• Valencia: Famous for its mix of old and new architecture, city beaches, and the birthplace of paella. Read more in our Living In Valencia guide.
• Seville: The heart of Andalusia is the home of flamenco, historical landmarks, and beautiful river views.
• Bilbao: Renowned for its modern architecture, like the Guggenheim Museum, delectable Basque cuisine, and green landscapes.

For beaches and all-year-round holiday feeling – the islands

The Balearic Islands in the Mediterranean Sea include Ibiza, Majorca , and Minorca, known for their stunning beaches, great nightlife, and relaxed way of life. 

On the other hand, living in the Canary Islands in the Atlantic Ocean provides a tropical vibe with year-round warm weather and spectacular landscapes.

For temperate climate and outdoor activities – the North of Spain

The northern region of Spain, including cities like Bilbao, San Sebastian, and Gijón, is famous for its temperate climate.

The weather is generally milder, with warm summers and cool winters, making it an ideal place for those who enjoy outdoor activities. The region is also known for its lush landscapes and outstanding cuisine.

For coastal lifestyle – Spanish Costas

The Spanish Costas are the most attractive places in Spain for expats. The best news is that you can find a Costa that suits your climate preferences, lifestyle, and budget. 

From the most expensive and glitzy Costa del Sol to a very affordable and equally stunning Murcia’s Costa Calida , you can find the coastal place to tick all your boxes. 

Here are the highlights of the most famous Spanish Costas:

For more details and information, visit our Spanish Costas guide .

To learn about the most popular expat spots in Spain, read our Best Places To Live In Spain guide. 

Popular locations in Spain to check out:

• Living In Benidorm As An Expat
• All About Living On The Costa De La Luz
• Living In Malaga As An Expat
• Living In Granada
• Living On The Costa Blanca In The Province Of Alicante

Final thoughts on living in Spain

Spain offers a rich and inviting landscape for expats, with an attractive lifestyle and climate. The main benefits are:

• The cost of living that is, on average, 15-40% lower than in many Western European countries.
• The healthcare system ranks 8th globally, promising high-quality medical services.
• Spain’s rich cultural heritage is showcased through its 49 UNESCO World Heritage Sites. The country also ranks very high as one of the best retirement destinations in the world.
• Lastly, Spain’s Mediterranean climate provides over 2,900 hours of sunshine annually. 

 All these factors combine to make Spain an attractive location for expatriates seeking a balance between cost, culture, and quality of life.

You might find useful:

• Best Places To Live In Spain
• 10 Tips To Make Retiring To Spain An Absolute Success
• UK Pensions And Tax In Spain
• Living In Spain After Brexit – The Q&A For UK Citizens

Helpful external links:

• The map of Spanish consulates where you can make visa applications
• Support in Spain – non-profit organization for expats in Spain
• Train travel – tickets and schedules on the renfe site.

Ola Degteva

Ola is a Content and Research Director at Expatra. Coming from a teaching and research background, she has been working in online publishing since 2010 when she became an expat. Having done 3 major international moves herself, Ola knows exactly what relocation and settling down in a new country involves and how important it is to plan ahead to make moving abroad less stressful.

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Expat Travel Insurance: The 5 Best Options for Globetrotters

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U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Expat Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Americans living abroad for all or even part of the year have a different set of considerations when it comes to finding a travel insurance plan. For example, expats may not need coverage for the same issues as people taking regular vacations, such as trip cancellations and interruptions, trip delays, and lost or delayed baggage. Instead, expats often primarily need health insurance or medical insurance for travel that works both at home and abroad, as well as coverage for emergency medical evacuation.

That said, not all travel insurance companies cover preexisting conditions within their trip insurance plans for expats. Further, some insurance providers limit coverage in a traveler's home country, especially for those who would normally reside in the United States. That's why, ultimately, U.S. citizens living abroad need to compare health plans that can work when they're away based on their coverage options, limitations and costs. Read on to find out which expat insurance plans U.S. News recommends and what each plan has to offer.

• Travelex Insurance Services: Best Premium Coverage for Expats
• Allianz Travel Insurance: Best for Comprehensive Coverage
• World Nomads Travel Insurance: Best for Adventure Travelers
• GeoBlue: Best for Medical-Only Coverage
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Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering personal finance, travel and insurance topics for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, which has led to her having personal experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family business.

You might also be interested in:

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Does My Health Insurance Cover International Travel?

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Discover the best coverage options for older travelers.

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Annual Multi Trip Insurance Benefits

If you take several holidays a year, an annual policy is just what you need. Annual Multi-Trip travel insurance covers you for multiple trips within a year, avoiding you the hassle of buying a new policy every time you travel. You will also save money as it works out cheaper than taking out many single trip policies throughout the year.

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What’s the worst that could happen.

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Ibex offers comprehensive travel insurance cover from as little as €119.40 for Annual Multi-Trip cover. No matter how many trips you’ve got booked we’ll cover you just as long as you’re away for no more than 31 days (for Annual Multi-Trip Standard cover) or 45 days (for Super & Super Plus cover). With Super & Super Plus you can extend up to 60 or 90 days with our optional covers – additional premium & T&C’s apply.

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Choose from 3 levels of cover to suit your needs and pockets. Standard, Super and Super Plus.

Annual multi-trip policies and single trip policies are available up to the age of 79. Premium loadings are applied to travellers aged 65 and over.

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The maximum trip duration for single trip is 180 days.

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Ibex Standard

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€/£2,000

€/£5,000

€/£10,000

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Emergency medical expenses and Repatriation (Excess: €/£70)

€/£5,000,000

€/£10,000,000

Additional Travel & Accomodation Expenses in respect of COVID-19 (Excess: €/£70)

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€/£1,000 (€/£25/24hrs)

€/£2,000 (€/£25/24hrs)

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Abandonment (Excess: €/£70)

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Accidental Death

€/£15,000

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€/£1,500

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€/£25,000

€/£35,000

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€/£7,000

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Missed Departure (Excess: €/£70)

€/£400

€/£1,000

Baggage & Personal effects

€/£750

€/£3,500

Delayed Baggage

€/£35

€/£100

One article, pair, set or collection

€/£70

€/£350

Total all Valuables

€/£250

Spetacle or Sunglasses

Personal Money (Excess: €/£70)

€/£500

Cash Limit (Excess: €/£28)

€/£150

Loss of Passport & Travel Documents (Excess: €/£70)

€/£210

Hijack & Mugging Benefit

€/£1,400 (€/£70/24 hrs)

€/£7,000 (€/£280/24 hrs)

Personal Liability (Excess: €/£140)

€/£2,000,000

Legal Expenses (Excess: €/£280)

Pet Care Expenses

Not Covered

€/£50 per day up to €/£250

Business Plus Cover (Optional) (Excess: €/£70)

Replacement Business Colleague (cancellation/curtailment)

€/£1,400

€/£2,800

Business Equipment, laptops, documents and samples

€/£700 (€/£400 single item limit)

€/£1,400 (€/£500 single item limit)

Replacement Business Documents & Sample

€/£420

€/£720

Business Money

€/£500 (Cash limit €/£250)

€/£1,000 (Cash limit €/£500)

Golf Cover (Optional) (Excess: €/£70)

Golf Equipment

€/£2,100

Green/Club Fees

€/£280

€/£560

€/£140

Hole-in-one (Nil Excess)

Winter Sports Cover (Optional) (Excess: €/£70)

Piste Closure & Avalanche Delay (Nil Excess)

up to €/£280 (€/£28/day)

up to €/£560 (€/£28/day)

Winter Sports Hire

Winter Sports Pack (inc ski school and lift pass)

up to €/£210 (€/£21/day)

up to €/£420 (€/£21/day)

Owned winter sports equipment

€/£700

Hired winter sports equipment

Cruise Plus Cover (Optional) (Excess: €/£70)

Missed Cruise Departure

€/£300

Cabin/ Stareroom Confinement (Nil Excess)

€/£300 (€/£50/ complete day)

Unused Pre Booked Excursions

Missed Port Itinerary Change Benefit

€/£300 (€/£50/ day)

Cruise Connection

Sports Equipment & Cycle Cover (Optional)(Excess: €/£70)

Owned, Hired Sports & Cycle

Single Article Limit

Hire or Replacement Equipment

€/£20 per day up to €/£400

Enhanced Missed Departure & Travel Disruption Cover (Optional)(Excess: €/£70)

Missed Connection

Substitute Accomodation

€/£3,000

Enforced Stay

Gadget Cover (Optional) (Excess: €/£70)

Number of Gadgets Insured (per person)

5 (€/£2,000 Overall Limit) (€/£750 Maximum per item)

Screen Repair Maximum Payable

€/£100 Non-iPhone €/£200 iPhone €/£400 Samsung Curved Screen

Unauthorised Usage Costs (per Incident)

€/£500 (€/£100)

Car Hire Excess Waiver Cover

Excess Reimbursement

Towing Costs (following an accident)

Key Cover and Lock Out €/£500

€/£500 (per year)

Curtailment of Rental

€/£30

Per Car Hire Agreement

Drop-off Charges

Mis-Fuelling

Trip Extension Cover (Optional) (Annual policies only)

60 days 90 days (Max Age 66)

Area Definitions: Where we cover

• Bosnia-Herzegovina
• Channel Islands
• Czech Republic
• Denmark (including Faroe Islands)
• France (including Corsica)
• Greece (including Greek Islands)
• Italy (including Aeolian Islands, Sardinia & Sicily)
• Liechtenstein
• Netherlands
• Norway (including Jan Mayen, Svalbard Islands)
• Portugal (including Azores & Madeira)
• Russia (West of the Urals)
• Serbia (including Kosovo)
• Spain (including Balearic & Canary Islands)
• Switzerland
• United Kingdom (including Great Britain, NI and the Isle of Man)
• Vatican City
• Worldwide (excluding USA, Canada & the Caribbean) and Worldwide (including USA, Canada & the Caribbean)

Exclusion: You are not covered for travel to a country or specific area if this is against advice issued by the UK Foreign & Commonwealth Office unless this has been agreed in advance by us.

Eligibility Criteria

1. This policy is only available if you are permanently resident in either Gibraltar, Portugal, or Spain.

2. By purchasing this policy, you have confirmed you understand that all claims, complaints and sales will be handled using the English Language.

3. You and your travelling companions named on this policy meet the age limits for cover: Aged 79 or under for Single & Annual Multi Trip policies (70 in respect of Winter sports).

For Annual Multi Trip policies the age limit applies at the start date of your policy. For Single Trip Policies the age limit applies on the day you first travel.

4. You may not be insured if you are going to take part in sports & activities where there is a generally recognised risk of injury. Please refer to the 'SPORTS & ACTIVITIES' Section and check that this insurance covers you, or ask us.

5. If you have any pre-existing medical conditions, you must declare these fully to us during the application process as part of the medical screening process

Party Type Definitions

Couple: 2 adults living together at the same address as spouses, civil partners or a similar long term relationship.

Family: Any person that is related to you by blood or marriage. A family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.

Single-Parent Family: a single parent family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.

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Travel Insurance Policy Summary (Policies purchased from 1 July 2023)

Travel Insurance Policy (Policies purchased from 1 July 2023)

Travel Insurance Summary of Benefits (Policies purchased from 1 July 2023)

Travel Insurance Product Information Document Spain and Portugal residents (Purchased from 1 July 2023)

Travel Insurance Policy Summary (Policies purchased from 1 July 2024)

Travel Insurance Policy (Policies purchased from 1 July 2024)

Travel Insurance Product Information Document Spain and Portugal residents (Purchased from 1 July 2024)

View all documents

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Contact ibex insurance.

If calling from outside the listed countries, international call charges will be applied.

Spain: 900 102 527

Portugal:  289 399 774 (national landline)

Gibraltar: 200 44628

UK: 0845 652 4239

Other Numbers:

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 914 142 334 (international rate)

Email: [email protected]

Portugal: 800 860 705