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Travel insurance for Spain

Compare the best Spain travel insurance in 2021.

From the cultural attractions of Barcelona to the historic sites of Madrid, the beaches of Ibiza and the stunning natural beauty of the Canary Islands, Spain is filled with destinations to drop into the bucket list of any international traveler. The right travel insurance policy can keep the adventures running smoothly — and keep you out of debt if they don’t.

What's changed in 2021?

The US government has issued a Level 3 travel advisory for Spain as of February 2021. Read the fine print of your travel insurance policy to learn whether it covers emergencies, evacuations, interruptions or cancellations for your Spain trip during the pandemic. Learn more about restrictions and requirements for US travelers by country.

*Be aware that most travel insurance policies don’t offer COVID-19 coverage. To find one that does, have a look at travel insurance policies that cover the coronavirus.*

Compare travel insurance for Spain

Sort through travel insurance plans for Spain by trip cancellation, emergency medical expenses, baggage coverage and trip delay. Or choose the Go to site button for more information about each policy.

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Atlas Travel by Tokio Marine
0%
$2,000,000
$1,000
$100
Customizable policy that balances basic essentials with premium coverage.
Atlas Group Insurance by Tokio Marine
0%
$2,000,000
$1,000
$100
Customizable policy designed for families, student organizations and groups of five or more people.
RoamRight Essential Travel Insurance Plan
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
RoamRight Multi-Trip Annual Insurance for Trip Cancellation
100%
$25,000
$1,000
$1,000
Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.
AXA Assistance Silver Plan
100%
$25,000
$750
$500
Basic travel protection with lower amounts of coverage. No option to cancel for any reason.
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5 travel concerns that make insurance essential

Travel insurance can reimburse you for canceled or delayed trips and it can help cover the cost of any money or electronics that don’t make it home.

  1. Crime. Spain is known for some of the lowest crime rates in Europe, but street crime is still a problem, particularly petty theft and burglary.
  2. Terrorism. Since 2015, the Spanish government has assessed the terrorism threat level as a 4 out of 5. While it is generally safe for travelers, an increased threat level or any new specific threat can lead to a delayed or canceled trip.
  3. Demonstrations and strikes. Throughout 2018, Spanish citizens have participated in a numerous protests and strikes, including taxi, bus, and airport control strikes over the last several years.
  4. Disruptions for asylum seekers. In 2018, Spain agreed to take in an increased number of refugees. The large number of new asylum seekers has resulted in delays for cross-border road and train transport, which affect the travel plans of tourists.
  5. Credit card and ATM fraud. Fraud is on the rise in Spain, often involving sophisticated electronic equipment. As a result, travelers are advised to use ATMs within bank lobbies for extra security.

Extreme activities to add on to your policy for Spain

Many travelers are happy to while away a Spanish vacation relaxing on the beach, while others prefer a much faster pace. Popular adrenaline-inducing activities that you might want to consider adding to your coverage include:

  • Mountain biking. Spain offers stunning trails that range from peaceful to heart-pounding.
  • Canyoning. Andalusia is home to some of Europe’s best canyons and rivers. Some companies offer exploration packages through the canyons featuring rappelling, climbing and swimming.
  • Hiking. Spain is home to stunning hikes, particularly in territories like the Costa del Sol’s mountain ranges.
  • Sailing. There’s no better way to enjoy the majestic Mediterranean Sea than by sailboat, departing from the Port of Marbella.
  • Quad biking. The El Chorro region of Spain is home to rugged countryside terrain and offers a quad biking challenge for all levels of experience.

Does travel insurance cover the Running of the Bulls?

Likely not. The iconic running of the bulls at Pamplona attracts thousands of adventurers to Spain each year. It’s also a recipe for disaster, regularly leaving tourists severely injured in the annual event.

Because the event is so dangerous, it’s highly unlikely that you’ll find an insurer willing to cover you for participation. Many companies specifically exclude it from policies, so expect to cover your own medical expenses if you’re injured.

Always check with your policy

Depending on the activities you’re participating in, you may need to purchase an additional sports package for your policy.

What happens if I have a medical emergency?

If you require medical care while in Spain, your travel insurer may be able to provide a list of recommended doctors in your area.

Or find an English-speaking doctor by asking for help at your hotel or calling your insurance companies 24/7 hotline. In an emergency situation, they can often assist you directing you to the closest hospital and handling the payments.

Hold on to all documents

With luck, your vacation is perfect and nothing goes wrong. But if you need to make a claim, notify your insurer as soon as possible. You’ll complete a claim form and provide full details of the incident.

You may also be asked to supply evidence or documentation to support your claim — including police reports, receipts and doctor evaluations. If your claim relates to an incident of theft, make sure you report that theft to the local authorities as soon as possible.

  • Travel Accident Coverage : up to $50,000
  • Pre-Existing Medical Condition : Available
  • Concierge : Included

Our top pick: Allianz International Travel Insurance

Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.

    Promoted

    Travel money guide: Spain

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    Who do I contact in an emergency?

    Most insurers offer 24-hour emergency numbers that can be helpful when you need help finding accommodation, a doctor or a way home. In a critical emergency in Spain, call 112.

    Other specific numbers supported by the country include:

    • 062. The civil guard — a military force that operates much like police in rural areas.
    • 091. National police.
    • 061. Health emergencies.
    • 080. Fire department.
    • 092. Local police.

    Here’s a map of the US embassies and consulates in Spain:

    Travel insurance traps to avoid

    You’re expected to act responsibly while traveling, even if you’re insured. Activities that can void your travel insurance include:

    • Leaving belongings and valuable items unattended
    • Taking drugs that aren’t prescribed by a doctor
    • Taking part in adventure activities not covered by your travel insurance policy
    • Ignoring travel warnings from the US Department of State
    • Intentionally breaking the law

    Bottom line

    From biking through the mountains to wine tasting at stunning vineyards, Spain offers breathtaking sights and adrenaline-inducing adventures. Before you set off on your journey to Spain, pick up a travel insurance policy to protect you from flight cancellations, accidents and anything else that could hurt your vacation — and your bank account.

    Frequently asked questions

    What are the specific entry requirements for Spain?

    Spain is a party to the Schengen Agreement, which requires travelers who wish to stay for more than 90 days to obtain a visa. To get a visa, you must have travel insurance in place. You’ll also need a passport that’s valid for at least six months after your expected return flight home.

    If you plan to travel during the COVID-19 pandemic, review the latest restrictions and requirements for US travelers entering Spain.

    When is the best time to travel to Spain?

    It depends on your plans. While the weather is warmest in summer, it can be unbearably hot, and you’ll have to share the beaches with lots of other tourists. Winter is quieter and features more cultural festivals and events, but the weather is less predictable.

    To help plan your trip to Spain, check out average temperatures and weather conditions throughout the year and examine an annual events calendar to pick the ideal time to visit. Examining flight and accommodation prices is also a good idea if you’re on a budget.

    What should I know about spending money in Spain?

    Spain uses the euro, one of the most popularly traded global currencies. To avoid any problems

    • Don’t exchange currency at airport booths. You’ll find much stronger exchange rates elsewhere.
    • Don’t expect banks to be open all weekend. Banks and exchange bureaus are often closed on Sundays.
    • Be aware of travel money fees. If you’ll be using a prepaid travel money card for spending, carefully read the terms and conditions to avoid any surprises about fees that apply to your transactions.
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