Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Travel insurance for Spain

Access a wide range of quotes for different insurance covering the UK’s favourite European holiday destination.

With Medical Travel Compared you can compare quotes in a matter of minutes. We work with over 30 insurance providers specialising in cover for pre-existing medical conditions – so you’re guaranteed to find suitable cover ahead of your trip.

COVID-19 Medical Cover

We’ll only show you quotes from providers who cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Enhanced COVID Cover

Extra cover that'll give you & your holiday even more protection against COVID-19. Compare quotes from leading providers with this additional cover today.

Do I need travel insurance for Spain?

While Spain travel insurance isn’t compulsory – it’s a very necessary commodity that you should always make sure is in place ahead of your trip.

A travel insurance policy acquired on the basis that you’re travelling to Spain will cover you for a variety of different potential eventualities – big and small.

Even though Spain is only usually a maximum of 2 hours away via plane, the cost of transporting you or a member of your party back to the UK in the event of a medical emergency is very high.

It’s not the sort of cost you want landing on your doorstep. So, it’s important to make sure that you have the right travel insurance to cover you before you embark. Even if you never claim – it’s worthwhile just for peace of mind.

What does Spain travel insurance cover?

Besides the cost of repatriation back to the UK, a solid Spain travel insurance policy will normally cover any medical expenses that arise, last-minute cancellations, travel delays, and lost or stolen baggage.

However, there are a few things that your insurance provider isn’t likely to pay out for if you’ve only purchased a standard policy.

For example, if you’ve booked any additional activities that may be deemed high-risk (i.e. adventure sports like scuba diving or jet skiing) – you should always refer back to your policy to see what activities are and aren’t covered, or you could always speak directly to your insurer.   

Also, if you have any pre-existing medical conditions (even if you consider them to be minor) – we’d always recommend that you declare them when searching for insurance. You want to make sure that you’re as protected as you can possibly be so that you can enjoy your holiday the way you should.

Spain travel advice

You may think you know as much as there is to know about Spain – but if you are travelling with a medical condition there are a few things that you’ll need to be especially aware of.

What does EHIC cover in Spain?

Your European Health Insurance Card (EHIC) is valid across the majority of European destinations.

In Spain, it will enable you to gain the same level of access to healthcare as a Spanish national should anything happen to you during your trip

However, your EHIC has its own limitations. For example, it will only cover you for healthcare expenses – it won’t cover you for general travel issues, like loss of luggage, cancellation or curtailment.

Therefore, it’s always best advised to make sure you’ve taken out a separate travel insurance policy ahead of your trip to Spain.

Alongside your EHIC, this will keep you well covered for the duration of your holiday.

Taking medication into Spain

If you’re bringing medication into Spain, then it’s highly recommended to keep it all in the prescription containers which were supplied to you by your doctor or pharmacist.

Always ensure you take a large enough supply with you – but it’s wise to double-check with your airline to find out the exact limitations on travelling with prescription drugs.

The last thing you want is to end up dumping a large amount of important medication before you board the plane.

When you arrive in Spain, you’ll find that it’s straightforward to find pharmacy’s where you can purchase basic medication if you need it. However, it might be difficult to access any specialist medication you require over the counter so, again – it’s important to have enough supply with you.

Don’t forget – your insurance provider will have a limit on how much they can pay out in the event of lost or stolen medication. So, be sure to bear that in mind at all times.

Finding the best travel insurance for Spain holidays

Finding comprehensive travel insurance cover ahead of your trip to Spain is simple, and with Medical Travel Compared you’ll be able to compare quotes from a variety of insurance providers in no time.

Let us know what type of policy you need, what dates you intend to travel on and what dates you intend to travel back.

We’ll then ask you a few simple questions to help determine your medical history. This enables us to generate a list of quotes that are most relevant to your personal circumstances.

So, what are you waiting for? Get fully prepared for your holidays and buy a Spain travel insurance policy today.

Frequently Asked Questions

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCDO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

You must have a permanent UK address, have lived in the UK for the last 6 months and be registered with a medical practitioner in the UK. All trips must start and end in the UK and you must purchase the insurance before you depart for your first trip.

It's easy! Enter your details just once and you'll be able to compare quotes from over 30 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.

Single trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days, however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover.
If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

* Price is based on 1 traveller aged 61, who has no medical conditions and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.

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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information on their website.