Yes, Travel insurance for Spain is mandatory if you are applying for a Spanish visa and the policy must meet the Spain visa travel insurance requirements, including a minimum of €30,000 in medical coverage (approx. $50,000) for emergency medical expenses, hospitalization, and medical evacuation. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
Who Needs to Apply for Spain Schengen Visa?
Before traveling to Spain, it is necessary to buy Schengen visa travel insurance to meet the Spanish visa requirements. You need to apply for a Spain Schengen visa:
If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland
If you plan to stay in Spain for up to 90 days within a 180-day period for tourism, business, or visiting family.
⚠️ Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Spain without a visa for short stays (usually up to 90 days).
On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Spanish consulate for your visa application. Once your Spain travel insurance is purchased, you will receive the insurance details with the toll-free number, a virtual ID card, and the Spanish visa insurance letter for your visa application, which serves as proof of coverage.
How Do I Apply for a Spanish Schengen Visa?
To apply for a Schengen Visa to Spain, follow these steps:
Choose the correct visa based on your travel purpose (tourism, business, etc.)
Fill out the Schengen visa application form.
Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
Book an appointment with the Spanish consulate or visa center.
Submit your application, biometric data, and documents at the consulate.
Pay the visa application fee.
Processing usually takes around 15 days.
Pick up your approved visa from the consulate.
What Are the Spain Travel Insurance Requirements?
Travelers who need a Spanish visa should buy travel insurance satisfying Spanish visa requirements:
💡 Tip: Always carry a digital and printed copy of your policy, as you may be asked for proof at border checks or during visa processing.
Which Is the Cheapest Spain Schengen Visa Travel Insurance?
The cheapest travel insurance for Spain is Atlas International Insurance plan, starting at just $1 for a day. Spanish visa travel insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required. It is advisable to compare the benefits of cheapest Schengen travel insurance before buying a plan that meets Schengen consulate requirements.
Which Are the Best Travel Insurance Plans for Spain Visa?
* The price shown is for a 7-day trip with a $50,000 maximum coverage and a $0 deductible for a 30-year-old traveler.
How Much Does Spain Schengen Travel Insurance Cost?
Europe Schengen travel insurance Cost in 2025
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible. All the insurance plans listed below
Meet Schengen visa requirements
Are accepted by Schengen embassies/consulates worldwide
Include a downloadable visa letter immediately after purchase
The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
Plan pays Coinsurance 100% after the deductible up to the overall limit.
Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
The length of coverage is 5 days to 364 days.
Travel Medical Global Choice satisfies Schengen visa insurance requirements.
For the acute onset of pre-existing condition coverage for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
How Do I Get a Certificate Showing I Have Travel Insurance When Applying for a Schengen Visa?
To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:
Choose a Travel Insurance Provider: Select a travel insurance policy on American Visitor Insurance that meets the Schengen visa requirements (coverage of at least €30,000 for medical emergencies, including repatriation).
Buy the Insurance: Buy the policy on American Visitors Insurance online which provides Schengen-compliant travel insurance.
Receive the Certificate: After purchasing, you will receive a travel insurance certificate, which includes details like the policy number, coverage dates, and coverage amounts.
Download or Request the Certificate: You can download the certificate from the insurance provider. Ensure the certificate is issued in English or the official language of the country you’re applying to, and that it clearly meets the Spain visa travel insurance requirements.
What Does Schengen Visa Travel Insurance for Spain Cover?
Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
Medical evacuation: Emergency medical evacuation expenses to nearest available facility if needed.
Health care expenses: Covers emergency medical expenses for accidental injury or illness.
Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
Pre-existing conditions: Travel insurance offers coverage for acute onset of pre-existing conditions.
What Is the Best Travel Insurance for Seniors Vacationing in Spain?
The best travel insurance for seniors vacationing in Spain depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.
Best choice for US seniors if you need at least $50,000 coverage (required for a Long-Term Europe visa).
All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.
💡 Tip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements. If you don’t need to meet those requirements, you can lower the cost by choosing a higher deductible.
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
Expert Support & Assistance: Our licensed customer support team is available 24/7 to
Guide you through plan selection and online applications
Help with policy renewals or extensions
Assist with cancellations if travel plans change
Support filing insurance claims
Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Factors Influence the Cost of Best Travel Insurance to Spain?
The cost of Spanish health insurance for travelers depends on the following:
Age of the traveler: The older the traveler, the more expensive the cost of travel health insurance to Spain.
The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
The selected deductible: A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Spain visa will have the highest co-insurance.
The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
Tip: While the cheapest plan may save money upfront, it’s important to balance affordability with adequate protection—especially for medical emergencies abroad.
How Can I Buy the Best Travel Insurance for Spain?
search Find the Best Plans
Complete the Spain Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
balance Compare Options
Compare the price and the benefits of the different Spanish visa insurance options to identify what fits your needs best.
shopping_cart Buy Your Plan
Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
assignment Review Your Policy
Review the insurance documents & download visa letter is required.
Compare Schengen Visa Travel Insurance
EMAIL RESULTS
refresh
SUBMIT
Please contact our licensed agents at +1 (877) 340 7910 or email, we will provide possible plan options.
This is the most common visa type for short-term stays in Spain. It allows the holder to travel and stay in the Schengen area, including Spain, for up to 90 days within a 180-day period.
There are three subtypes of Schengen visas:
Single-entry
Double-entry
Multiple-entry
2. National Visa (Type D):
This is a long-stay visa for stays in Spain exceeding 90 days. It is issued by the Spain consular authorities based on national legislation. Examples include student visas, work visas, and residence permits.
3. Airport Transit Visa (Type A):
This visa allows the holder to transit through the international transit area of Spain airport without entering the country. It is required for citizens of certain countries when connecting through the Spain airport to a non-Schengen destination.
4. Transit Visa (Type B):
This visa allows the holder to transit through Spain to reach a final destination outside the Schengen area. It is valid for a maximum of 5 days.
What Are the Documents Required for Spain Visa?
Completed and signed application form
Valid Passport
Photographs that are taken recently
Documents of travel itinerary
Confirmation of health insurance coverage for Spain
Closed round trip ticket
Current bank statement
Spain visa insurance letter
Para clientes hispanohablantes: Seguro de viaje para viajeros españoles
Si viajas a España y buscas el mejor seguro médico de viaje, te ofrecemos información detallada en español. Visita nuestra página de seguros de viaje en español para explorar opciones de planes, comparar beneficios y encontrar la cobertura que mejor se adapte a tus necesidades de viaje y visado. Scopri di più »
Spain visa travel insurance is a mandatory insurance for individuals applying for a Schengen visa to visit Spain. As Spain is part of the Schengen Area, travelers need to show proof of this insurance to meet visa requirements. This Spain travel insurance must cover a minimum amount for medical expenses, repatriation, and emergency medical care during the stay in Spain. It's essential that the coverage matches the visa regulations and provides necessary financial protection in case of unexpected events.
2. What is Schengen eligible travel insurance to Spain?
Schengen eligible travel insurance for Spain meets the specific requirements of the Schengen Agreement for travelers visiting Schengen Area countries in Europe. It must provide sufficient coverage for medical expenses, repatriation, and emergency medical evacuation during the entire stay in the Schengen Area. This insurance is a prerequisite for getting the Schengen visa and should be valid for all countries within the area. It's important to ensure that the coverage amounts and terms align with the visa requirements of the specific Schengen country you plan to visit.
3. How do I cancel my Spain visa travel medical insurance?
If you want to cancel your Spain health insurance, the procedure varies depending on the your insurance plan. However, travel insurance can be easily cancelled before the start of the insurance policy. The refund for cancelling the insurance after the start of the policy will be usually on a pro-rate basis. However it is important to follow these steps:
Review the terms and conditions of the insurance contract to see if there are any cancellation fees, notice periods, or other requirements.
Contact your insurance provider and inform them of your intention to cancel your insurance. You will need to provide some documents, such as your insurance number, account number, passport, or proof of departure.
Confirm that your cancellation request has been processed and that you have received a confirmation letter or email from your insurance provider.
4. How can I get travel medical insurance for Spain?
Travelers to Spain who need the Schengen visa can buy Spain visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Spain visa consulate requirements. Once you complete buying the Spain visa travel insurance online, you can download the required Spain visa letter which you can submit while applying for the Schengen visa.
5. Who must buy travel medical insurance for Spain visa?
A traveler from any of the Schengen visa required countries visiting Spain for less than 90 days is required to buy short term travel medical insurance to apply for Spain visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Spain for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.
6. Who offers Schengen visa Insurance for Spain?
We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Spain are International Medical Group, Seven Corners, WorldTrips and Trawick International.
7. What is covered under Spain visa travel insurance?
Best travel medical insurance for Spain visa covers the cost incurred from
Hospitalization expenses dues of sickness of injuries
Emergency medical evacuation
Repatriation of remains
Trip cancellation or interruption
Flight delay
Baggage delay or loss
Acute onset of pre-existing conditions
Maternity in first 26 weeks
8. Which are the EU countries that are not part of the Schengen region?
The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.
9. What is the difference between European Union (EU) and the Schengen states?
The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.
10. If my Spain visa is denied, can I cancel my travel insurance plan?
Yes, you can cancel your travel insurance plan if your Spain visa is denied. There should be full reimbursement if you cancel before the travel dates.
However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted.
It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.
11. How to compare & buy cheapest travel insurance for Spain Schengen visa?
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
Spain Visitor Insurance Reviews
Reviews, Ratings and Experiences from our customers
Karen
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Margaret
"Thank you for your prompt response. Your prompt response will be highly appreciated."
Connie
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
What is the new travel authorization ETIAS requirement for US citizens traveling to Spain?
US citizens traveling to Spain should apply for ETIAS (European Travel Information and Authorization System).
ETIAS is not a visa, but a pre-travel clearance, similar to the US ESTA (Electronic System for Travel Authorization).
It allows short stays of up to 90 days within a 180-day period for tourism, business, or transit.
The application is completed online and is usually approved quickly.
⚠️ Important: While ETIAS itself does not mandate travel insurance, it is strongly recommended to buy travel insurance for Spain on American Visitor Insurance, as most US health insurance plans do not provide coverage outside USA.
Do US Citizens Need a Visa for Spain?
US citizens are advised to buy travel insurance Spain visa even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Spain and need a travel visa.
Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Spain.
Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.
Do US Citizens Need a Long Term Visa to Stay in Spain?
US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (~USD $34,035 as of May 2025) which is valid during the whole stay in the Schengen countries.
The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs. Get Quote »
Do US Green Card Holders Need Spanish Visa?
Yes, US Green Card holders may need a visa to travel to Spain, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Spain is required while applying for a Spanish visa. US Green Card Holders can buy travel insurance to satisfy Spanish visa requirements for their visa application on American Visitor Insurance.
Which Is the Best Spain Travel Insurance for US Seniors With Medicare?
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.
🌏 GlobeHopper Travel Insurance for Older US Travelers Visiting Spain
US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
There is a travel health insurance plan specifically designed for older American travelers.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
Provides $1 million coverage up to the age of 79 years
Provides $100,000 coverage for travelers 80 years and older
Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
Includes $25,000 coverage for emergency medical evacuation
Are You Planning to Work as a Digital Nomad in Spain?
Living and working in Spain, far away from the familiar surroundings of home is both exciting and challenging! It is however very important that you have proper Digital Nomad health insurance to secure you in the event of any adverse medical condition. Compare and buy the best Digital Nomad Insurance for Spain on American Visitor Insurance that meets visa requirements and keeps you safe while working away from home.
Travel Health Insurance for Spain Visa
Spain, officially known as the Kingdom of Spain, is a diverse and vibrant country located in southwestern Europe on the Iberian Peninsula. It is renowned for its rich history, cultural heritage, stunning landscapes, and lively traditions. With a population of around 48 million people, Spain is one of the most visited countries in the world, offering a mix of modern cities, historical sites, and beautiful natural environments.
Travelers can savor delectable Spanish cuisine, explore ancient landmarks like the Alhambra in Granada, and relax on picturesque Mediterranean beaches. English is commonly spoken in tourist areas, making communication easy for American visitors. With its warm hospitality, fiestas, and flamenco music, Spain promises an enticing and culturally enriching journey for USA travelers.
Travel insurance is highly recommended for US citizens traveling to Spain. Finding the best Spain travel insurance from USA on American Visitor Insurance is very easy. Travel insurance Spain typically includes medical coverage for illnesses or injuries, trip cancellation or interruption coverage, baggage loss or delay coverage, and emergency assistance services. Compare different international travel insurance for Spain plans on American Visitor Insurance and choose one that best suits your needs. Having travel insurance for Spain from USA ensures that you can enjoy their vacation with peace of mind, knowing they are financially protected and have access to support services if needed.
What Does Travel Insurance for Spain Visa Usually Not Cover?
Travel health insurance for Spain visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Spanish Schengen Visa insurance. These include:
1Pre-existing medical conditions Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.
2Treatment for chronic illnesses Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.
3Non-emergency medical treatment Schengen travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.
4Extreme sports and adventure activities Many Schengen Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.
5Mental health conditions Schengen visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.
Schengen Travel Insurance With 30,000 Euro Coverage
Best US Travel Insurance companies for Schengen Visa insurance
You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.