We evaluated 13 providers on Spain trip costs, coverage quality, claims handling and financial stability. Spain travelers have unique needs including EU healthcare navigation, potential language barriers in medical situations and coverage for popular Spanish activities from Camino de Santiago hiking to Mediterranean water sports, considerations similar to those for travelers visiting Italy.
Best Travel Insurance for Spain
Top providers offer medical coverage, emergency evacuation, and trip protection tailored for Spain's unique travel risks.
Find the best Spain travel insurance for your trip below.
Updated: December 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
Generali leads Spain rankings with competitive pricing ($73 for week-long trips) and strong European travel expertise including 24-hour multilingual assistance for Spanish healthcare coordination.
Spain insurance costs $43 to $291 for week-long trips with $2,500 in prepaid costs, representing 4% to 10% of total trip expenses depending on coverage level and traveler age.
Coverage protects trip investments and provides medical care coordination for Spain-specific risks like pickpocketing, transport strikes and island weather disruptions.
Best Travel Insurance Companies for Spain
1 | World Nomads | 93 | Adventure travelers | 98 | 86 | 89 | 95 |
2 | Generali | 92 | Comprehensive coverage | 94 | 88 | 89 | 100 |
3 | Allianz | 91 | Excellent service | 86 | 89 | 100 | 100 |
4 | IMG | 91 | High coverage limits | 83 | 95 | 95 | 100 |
Best Overall for Spain
Generali Global Assistance
Generali earns the top Spain ranking with a MoneyGeek score of 92, combining competitive pricing with European travel expertise. A 30-year-old pays $73 for a week-long Spain trip ($2,500 costs). The company's strong affordability score (94) and perfect stability rating (100) make it ideal for Spain travelers prioritizing value.
Spain strengths:
- 24-hour multilingual assistance coordinates care through Spain's public and private healthcare systems
- Coordinates care across Spain's autonomous regions including Canary and Balearic Islands
- Covers Spain-specific disruptions: transport strikes, island weather delays
- Medical: $25,000-$50,000 | Evacuation: $250,000 | Trip delay: $1,000 max
Best for Budget-Conscious Travelers
Tin Leg
Tin Leg offers Spain's most affordable coverage at $43 for week-long trips ($2,500 costs). The company earned an 89 MoneyGeek score with a 94 coverage rating, proving low cost doesn't sacrifice protection. Seven plan tiers let travelers match coverage precisely to Spain activities, from Barcelona city tours to Pyrenees hiking.
Budget value:
- Basic plan: $25,000 medical, $100,000 evacuation, 100% trip cancellation
- Platinum plan: $61 with $50,000 medical, $250,000 evacuation
- Sufficient coverage for Spain's moderate healthcare costs
- Efficient operations keep prices low without cutting essential protection
Best for Spain Service Excellence
Allianz
Allianz achieved the highest service and claims score (100) among top Spain providers, important for travelers dealing with language barriers and medical coordination. The company also maintains a perfect stability rating (100), providing confidence for significant Spain trip investments. Allianz received a 91 overall MoneyGeek score.
Service advantages for Spain:
- Perfect service score (100) resolves Spain travel complications quickly
- 24-hour multilingual support assists with Spanish authorities and healthcare providers
- Efficient claims processing manages Spain-specific issues: theft, medical events, trip disruptions
- Strong baggage protection addresses Barcelona and Madrid pickpocketing risks
- Multiple coverage tiers: Basic, Prime and Premier plans adapt to different Spain travel needs
Best for Comprehensive Spain Coverage
IMG
IMG's 95 coverage score ranks highest among all providers evaluated, offering maximum protection for Spain travelers. With a 91 MoneyGeek score, perfect stability (100) and strong service (95), IMG plans include medical coverage up to $100,000 and evacuation reaching $1 million, far exceeding Spain's healthcare costs.
Maximum coverage:
- Lite: $76, $25,000 medical, $150,000 evacuation
- Choice: $78, $50,000 medical, $500,000 evacuation
- SE: $91, $75,000 medical, $500,000 evacuation
- LX: $100,000 medical, $1 million evacuation for complex Spain scenarios
- Ideal for Canary Islands evacuations or extended Spanish hospital stays
How Much Does Travel Insurance for Spain Cost?
Spain pricing falls in the mid-range for European destinations, lower than Scandinavia but comparable to other Southern European countries like Greece.
Spain-specific cost factors:
- Trip cost and duration (peak summer season commands higher hotel rates)
- Traveler age (older travelers pay more due to increased medical risk)
- Group size (multiple travelers increase total premiums)
- Spain destinations (island trips to Canary or Balearic Islands may cost slightly more)
- Activities (Camino de Santiago hiking, Sierra Nevada skiing, Costa Brava diving affect coverage needs)
- Travel season (summer peak season increases trip costs and insurance premiums)
Based on 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:
- Budget ($43-$68): $25,000 medical, $100,000-$150,000 evacuation, suitable for Spain's cities
- Mid-range ($73-$86): $25,000-$50,000 medical, $150,000-$250,000 evacuation for remote regions
- Comprehensive ($91-$98): $50,000-$125,000 medical, $250,000-$500,000 evacuation for maximum protection
Travelers with specific needs can explore family travel insurance for multi-traveler policies or senior travel insurance for age-specific considerations.
What Spain Travel Insurance Covers
Spain travel insurance protects against medical emergencies, trip disruptions and financial losses specific to 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 manages Spain healthcare 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 appropriate facilities or back to the United States.
Trip cancellation reimburses Spain trip costs for covered reasons: illness, injury, death of 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 experiences transport strikes, weather affecting island destinations and flight delays.
Do You Need Travel Insurance for Spain?
Spain doesn't require travel insurance for U.S. tourists, but coverage protects trip investments and addresses Spain-specific travel risks.
- You've prepaid non-refundable expenses:
Peak summer hotels, AVE train tickets, and tour deposits lock in payments months before departure - You're visiting remote regions or islands:
Medical evacuation from Canary Islands, Balearic Islands, or rural Andalusia costs thousands - You have pre-existing medical conditions:
Spain's private healthcare charges hundreds for ER visits, thousands for hospital stays - You're traveling during peak season:
Summer weather affects island flights, transportation strikes disrupt rail and air travel - You're planning adventure activities:
Camino de Santiago hiking, Pyrenees trekking, Sierra Nevada skiing, or Costa Brava diving increase risk - You're visiting high-theft areas:
Barcelona's Gothic Quarter, Madrid's metro, and Seville's tourist districts see frequent pickpocketing
- Your trip costs are fully refundable:
No financial loss if you cancel, though medical coverage still valuable - You're staying in major cities only:
Madrid and Barcelona have accessible healthcare, though you'll still pay out-of-pocket - You have comprehensive credit card benefits:
Some premium cards offer trip protection, but verify coverage limits and exclusions - Your domestic health insurance covers international travel:
Rare, but check your policy for Spain coverage before relying on it - You're taking a short weekend trip:
Lower financial exposure, though medical emergencies remain a risk
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 4% to 10% of trip expenses protects against unexpected costs, a consideration also relevant for travelers visiting France and other Schengen countries.
How to Choose the Best Travel Insurance for Spain
- 1Calculate Your Total Spain Trip Cost
Add all non-refundable expenses: flights, AVE trains, hotels, prepaid tours and activities. This amount determines your insurance premium and maximum trip cancellation coverage.
- 2Match Medical Coverage to Your Spain Travel Plans
Basic plans ($25,000-$50,000 medical) suit healthy travelers visiting cities. Comprehensive options ($75,000-$125,000 medical) protect adventure travelers and those visiting remote regions. Travelers with pre-existing conditions need plans with condition waivers, so buy within 14-21 days of your first trip deposit.
- 3Buy Early for Maximum Spain Trip Protection
Purchase within 14-21 days of your first Spain payment to access cancel for any reason coverage and pre-existing condition waivers. Early purchase also protects against illness, family emergencies, or travel advisories before departure.
- 4Verify Coverage for Your Planned Spain Activities
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.
Best Travel Insurance for Spain: FAQ
Does Spain require travel insurance for U.S. travelers?
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.
How much does travel insurance for Spain cost?
Spain travel insurance costs $43 to $291 for week-long trips with $2,500 in prepaid costs. Costs represent 2% to 10% of total Spain trip expenses depending on coverage level, trip duration and traveler age.
What's the minimum recommended coverage for Spain?
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 non-refundable Spain bookings including hotels, flights, and tours.
When should I buy travel insurance for Spain?
Purchase 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 also protects against unforeseen events between booking and departure.
How We Chose the Best Travel Insurance for Spain
We analyzed 13 travel insurance providers using Spain-specific pricing scenarios for California residents. Our evaluation focused on real travel costs and coverage needs for Spain travelers.
Scoring weights:
- Cost (40%): Spain-specific premiums across different scenarios
- Coverage (30%): Medical limits, evacuation amounts, trip protection, and benefit variety
- Claims and Service (25%): 24-hour support, multilingual assistance, and digital tools
- Stability (5%): AM Best financial strength ratings
Data collection: We gathered actual quotes rather than estimates 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 4 providers demonstrated the strongest combination of affordability, coverage quality, and Spain-specific 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.