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Compare travel insurance for Spain

Compare travel insurance for Spain

Spain attracted over 80 million overseas visitors in 2018 – a new record. Here’s what you need to know about getting travel insurance for this sun-soaked holiday destination.

Patrick Ikhena
From the Travel team
minute read
posted 21 JANUARY 2020

Why do I need travel insurance for Spain?

Spain is a hugely popular holiday choice for Brits, and if you’re heading to the Costas or visiting one of the historic cities, make sure you’ve got the right travel insurance before you set off.

A standard policy should include cancellation cover that’s high enough to meet the full value of your break. You’ll be able to claim back costs if you have a valid reason, listed in your policy, for why you can’t go on your trip – such as illness or bereavement. It can be worth taking out insurance as soon as you book your holiday so you’ve got this cover in place straight away.

As with many tourist spots, Spain can be a target for thieves so you’ll want travel cover that protects you if your wallet or purse is stolen. When comparing policies, check that your single article limit meets the cost of replacing your most expensive personal belonging in case it gets damaged, lost or stolen. The single item limit is the most you could claim for any one item that would need to be replaced.

A valid European Health Insurance Card** (EHIC) may give you access to medical care on the same terms as a local. In other words, you only need to pay for treatment if they need to pay. However, the EHIC won’t cover you for treatment at a private hospital. If you do fall ill or are injured, seek help from a state medical facility first and tell your insurance provider what’s happened. They will give you advice on what additional private treatment might be covered by your policy.

If your plans change while you’re away and it looks like you’ll need extra cover – for example, if you decide to stay away for longer – get in touch with your insurance provider and ask to amend your policy. If they won’t, then shop around for a specialist policy that meets your needs.

**UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.

How much is travel insurance in Spain?

If you’re travelling to Spain, European travel insurance could cost from £5*** for a week or £9**** for annual multi trip cover, based on Compare the Market data in December 2019. The cost of travel insurance will vary, depending on the level of cover you need and the activities you’ve got planned while you’re away.

***50% of people could achieve a quote of £4.49 for single trip travel insurance for 1 week in Europe based on Compare the Market data in December 2019
****50% of people could achieve a quote of £8.35 for for Europe multi travel insurance based on Compare the Market data in December 2019

Do I need a visa to go to Spain?

Brits can stay in Spain without a visa for up to three months. Make sure your passport is valid for the full length of your trip. 

Any other tips for travelling in Spain?

Climate: There are different climate zones in Spain, but visitors can generally expect hot dry summers and mild winters.

Time differences: Spain has two time zones – most of the country is one hour ahead of Greenwich Mean Time (GMT), the exception being the Canary Islands, which keeps to GMT.

Tipping: It isn’t a core part of Spanish culture to tip. However, a gratuity of 5-10% will be appreciated.

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