Best Travel Insurance for Spain (2025)

Why Travel Insurance for Spain Matters in 2025

Spain is one of the world’s most popular destinations, attracting millions of visitors each year. While the beaches, cities, and culture are unforgettable, unexpected events can quickly ruin a trip. Travel insurance ensures you are protected against medical emergencies, trip cancellations, lost baggage, or even the need for emergency repatriation.

Even EU travellers with EHIC/GHIC cards should know these do not cover private healthcare, repatriation, or non-medical losses. That’s why dedicated travel insurance remains essential.

Do You Need Travel Insurance to Enter Spain?

• Visa-exempt travellers (UK, US, Canada, Australia, etc.): Travel insurance is not legally required, but strongly recommended.
• Travellers needing a Schengen visa: Insurance is mandatory. Policies must include at least €30,000 emergency medical coverage and repatriation, valid across the entire Schengen Area, and cover the full duration of the stay.

What Coverage to Look For

1. Emergency medical & repatriation – choose at least €30,000, preferably €100k–€1M for full peace of mind.
2. Trip cancellation & interruption – protects non-refundable bookings if you must cancel for a covered reason.
3. Baggage & personal effects – cover loss, theft, or delay.
4. 24/7 assistance – vital when abroad.
5. Adventure activities – if you plan hiking, diving, sailing or skiing, check that your policy covers them.
6. COVID-19 coverage – most 2025 policies treat COVID like any other illness, but confirm before purchase.

💡 Pro tip: Buy your insurance when booking flights to activate cancellation cover immediately.

Top Travel Insurance Providers for Spain in 2025

Allianz Assistance

• Single-trip & annual plans.
• Coverage: medical, cancellation, baggage, emergency repatriation.
• Reliable global network and fast claims process.

AXA Schengen

• Visa-compliant policies from short stays to annual plans.
• Coverage: medical (€30,000+), repatriation, Schengen-wide validity.
• Offers certificates accepted for visa applications.

World Nomads

• Designed for active travellers and digital nomads.
• Coverage includes many adventure sports.
• Flexible policy lengths (1 week to 12 months).

MAPFRE Spain

• Leading Spanish insurer.
• Coverage: assistance, repatriation, medical care up to €500,000 on some plans.
• Affordable pricing from just a few euros per day.

Typical Costs of Travel Insurance for Spain

• Short trip (7 days): from €20–40 per person.
• Family plan (2 adults + 2 kids, 10 days): from €120–150.
• Annual multi-trip cover: €200–500 depending on limits.

Considering the potential cost of hospital care, cancellations or evacuations, this is a small investment for peace of mind.

FAQs

Is travel insurance mandatory for Spain?
Only if you require a Schengen visa. Visa-exempt travellers don’t need it by law, but it is strongly recommended.

How much coverage should I buy?
At least €30,000 for visa purposes. Many travellers prefer €100k–€1M for extra security.

Does insurance cover COVID-19 in 2025?
Most insurers treat COVID-19 like any other illness. Always check policy wording.

Can I buy insurance after booking flights?
Yes, but buying early activates cancellation coverage right away.

Which providers are best for Spain?
Allianz and AXA for families, World Nomads for adventurers, MAPFRE for expats and long-term stays.



Spain is a dream destination, but accidents, cancellations and emergencies can happen anywhere. Travel insurance gives you financial protection and peace of mind. Whether you’re a tourist, a family on holiday, or an expat, the right policy will ensure your trip is covered from start to finish.

👉 Compare travel insurance quotes today and travel with confidence.