Spain travel insurance costs as low as $43 for week-long trips. Top providers offer medical coverage, emergency evacuation and trip protection for Spain's travel risks.
Find the best Spain travel insurance for your trip below.
Updated: January 19, 2026
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World Nomads leads Spain rankings with a MoneyGeek score of 93 out of 100, while Generali ranks second at $73 for week-long trips, offering European travel experience and 24-hour multilingual assistance for Spanish health care.
Spain insurance costs $43 to $98 for week-long trips with $2,500 in prepaid costs, or 2% to 4% of total trip expenses, depending on coverage level and traveler age.
Coverage protects trip investments and covers medical expenses for Spain risks like pickpocketing, transport strikes and island weather disruptions.
We evaluated 13 providers on Spain trip costs, coverage quality, claims handling and financial stability. Spain travelers need help with EU health care, language support in medical situations and coverage for Spanish activities from Camino de Santiago hiking to Mediterranean water sports.
See also: Best Travel Insurance for Italy
1 | World Nomads | 93 | Best overall | 98 | 86 | 89 | 95 |
2 | Generali | 92 | Best value | 94 | 88 | 89 | 100 |
3 | Allianz | 91 | Service excellence | 86 | 89 | 100 | 100 |
4 | IMG | 91 | High coverage limits | 83 | 95 | 95 | 100 |
World Nomads ranks first for Spain with a MoneyGeek score of 93, the highest among all providers evaluated. The insurer earned a perfect 98 for cost and 95 for stability, working well for Spain travelers seeking comprehensive protection. A 30-year-old pays $95 for a week-long Spain trip ($2,500 costs).
Spain strengths:
Coverage:
Generali ranks second for Spain with a MoneyGeek score of 92. A 30-year-old pays $73 for a week-long Spain trip ($2,500 costs). The insurer's affordability score (94) and perfect stability rating (100) work well for Spain travelers prioritizing value.
Spain strengths:
Allianz scored 100 for service and claims among top Spain providers. The insurer maintains a perfect stability rating (100). Allianz received a 91 overall MoneyGeek score.
Service advantages for Spain:
IMG scored 95 for coverage, highest among all providers evaluated. IMG earned a 91 MoneyGeek score with perfect stability (100) and service score (95). Plans include medical coverage up to $100,000 and evacuation up to $1 million.
Maximum coverage:
Spain insurance costs less than Scandinavia but matches other Southern European countries like Greece.
Spain cost factors:
Based on a 30-year-old California resident traveling to Spain in October with $2,500 in prepaid costs for a week-long trip:
Tin Leg Basic: $43 | Generali Standard: $73 | IMG SE: $91 |
Tin Leg Platinum: $61 | AXA Silver: $74 | World Nomads Standard: $95 |
Travelex Essential: $62 | IMG Lite: $76 | AXA Gold: $96 |
World Trips Escape: $66 | IMG Choice: $78 | Allianz Basic: $98 |
Tin Leg Standard: $68 | Travelex Advantage: $80 | -- |
BHTP ExactCare: $69 | Generali Preferred: $86 | -- |
Coverage by price tier:
Travelers with specific needs can explore family travel insurance for multi-traveler policies or senior travel insurance for age-specific considerations.
Spain travel insurance covers medical emergencies, trip disruptions and financial losses from Spanish travel.
World Nomads | Standard | 100% | $125,000 | $400,000 | $1,000 | $1,000 |
Generali | Preferred | 100% | $50,000 | $250,000 | $1,000 | $1,000 |
Allianz | Prime | 100% | $75,000 | $250,000 | $1,000 | $2,000 |
IMG | Choice | 100% | $50,000 | $500,000 | $1,000 | $200 |
Medical coverage pays Spain health care costs, with basic plans offering $25,000 to $50,000 and comprehensive options providing $75,000 to $125,000.
Emergency evacuation transports travelers from remote Spanish regions like rural Andalusia, mountain areas or island locations to medical facilities or back to the United States.
Trip cancellation reimburses Spain trip costs for covered reasons: illness, injury, death of a family member, natural disasters or terrorism. Cancel for any reason upgrades offer 50% to 75% reimbursement but require purchase within 14 to 21 days of initial trip deposit.
Baggage protection covers lost or stolen belongings with plans providing $500 to $2,500 total coverage.
Trip delay benefits reimburse expenses when Spain has transport strikes, weather affecting island destinations and flight delays.
Spain doesn't require travel insurance for U.S. tourists, but coverage protects trip investments from Spain travel risks.
Spain belongs to the Schengen Area, allowing U.S. citizens visa-free entry for up to 90 days. Spain doesn't require proof of travel insurance, but coverage costing 2% to 4% of trip expenses protects against unexpected costs.
See also: Best Travel Insurance for France
Add all nonrefundable expenses: flights, AVE trains, hotels, prepaid tours and activities. This amount determines your insurance premium and maximum trip cancellation coverage.
Basic plans ($25,000 to $50,000 medical) work for healthy travelers visiting cities. Comprehensive options ($75,000 to $125,000 medical) cover adventure travelers and those visiting remote regions. Travelers with pre-existing conditions need plans with condition waivers, so buy within 14 to 21 days of your first trip deposit.
Buy within 14 to 21 days of your first Spain payment to access cancel for any reason coverage and pre-existing condition waivers. Early purchase covers illness, family emergencies or travel advisories before departure.
Most plans cover walking tours, Camino de Santiago hiking, beach swimming and cycling. Plans exclude professional sports and high-risk activities like extreme skiing or running with bulls. Contact providers directly about Pyrenees mountaineering or Costa Brava cave diving.
No. Spain doesn't require travel insurance for U.S. tourists visiting up to 90 days under the Schengen Agreement. U.S. passport holders enter Spain visa-free.
Spain travel insurance costs $43 to $98 for week-long trips with $2,500 in prepaid costs, or 2% to 4% of total Spain trip expenses, depending on coverage level, trip duration and traveler age.
Spain travelers should carry at least $25,000 in emergency medical coverage and $100,000 in evacuation coverage. Trip cancellation covering 100% of prepaid costs protects nonrefundable Spain bookings, including hotels, flights and tours.
Buy Spain travel insurance within 14 to 21 days of your first trip payment to access cancel for any reason coverage and pre-existing condition waivers. Early purchase covers events between booking and departure.
We analyzed 13 travel insurance providers using Spain pricing scenarios for California residents and real travel costs.
Scoring weights:
We gathered actual quotes for multiple scenarios, including different trip costs, durations and traveler ages. Coverage evaluation examined seven metrics: trip cancellation percentages, trip interruption limits, emergency medical amounts, evacuation limits, baggage protection, trip delay benefits and baggage delay reimbursement. The top four providers had the best affordability, coverage quality and Spain capabilities.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
