SPAIN TRAVEL INSURANCE
Travel insurance for holidays in Spain
From beach holidays on the Costa del Sol to city breaks in Barcelona, island escapes in Mallorca and winter sun in the Canary Islands, Spain offers something for almost every type of traveller.
Travel insurance for Spain can provide financial protection if an insured event affects your trip before you leave or while you are away. Depending on your chosen cover level and the circumstances of a claim, this may include cancellation, emergency medical treatment, repatriation, baggage, travel delay and personal liability.
Covered2Go offers Single Trip, Annual Multi-Trip and eligible Longstay Travel Insurance for trips to Spain, subject to eligibility and policy terms.
| Up to £10 million Emergency medical expenses on Gold and Platinum cover. |
Up to £10,000 Cancellation cover per insured person on Platinum. |
24-hour assistance Emergency medical assistance while you are abroad. |
ON THIS PAGE
Spain travel insurance guide
Jump to the information most relevant to your trip:
› Do I need travel insurance for Spain?
› GHIC, EHIC and healthcare
› Popular Spanish destinations
› Types of Spain holiday
› Pre-existing medical conditions
› What can be covered?
› Compare cover levels
› Important things to check
› Spain travel information
BEFORE YOU TRAVEL
Do I need travel insurance for Spain?
Travel insurance is recommended for trips to Spain because unexpected medical treatment, cancellation or disruption can result in significant costs.
Depending on the policy and circumstances, travel insurance may help if you need emergency medical treatment, have to cancel or cut short your holiday for an insured reason, experience certain travel delays or have insured belongings lost, stolen or damaged.
A valid UK GHIC or eligible UK EHIC can also be useful when visiting Spain, but it does not replace travel insurance.
One holiday to Spain?If Spain is your only planned trip, Single Trip Travel Insurance may be suitable. |
Travelling more than once?If you expect to take several holidays during the year, consider Annual Multi-Trip Travel Insurance. |
HEALTHCARE IN SPAIN
GHIC, EHIC and travel insurance for Spain
A valid UK Global Health Insurance Card (GHIC), or a valid UK European Health Insurance Card (EHIC) for those eligible to use one, can provide access to medically necessary state-provided healthcare in Spain on the same basis as a Spanish resident.
This does not necessarily mean treatment will be free, and a GHIC or EHIC does not provide the same protection as travel insurance.
In some Spanish tourist areas, private healthcare providers may be more readily available than state facilities. If you need treatment, contact your travel insurer or emergency medical assistance provider as soon as reasonably possible.
Before travelling, check the latest GOV.UK health advice for Spain and official NHS GHIC and EHIC guidance.
WHERE ARE YOU GOING?
Travel insurance for popular destinations in Spain
From mainland cities and coastal resorts to the Balearic and Canary Islands, Spain offers a wide variety of holidays. Your insurance should be appropriate for your destination and planned activities.
Mallorca travel insuranceMallorca is popular for family holidays, couples’ breaks, beach escapes and active trips. |
Tenerife travel insuranceTenerife’s coastal resorts and year-round climate make it popular for summer holidays and winter sun. |
Costa del Sol travel insuranceMalaga, Marbella, Fuengirola and Benalmádena are popular for beach holidays, short breaks and golf trips. |
Costa Blanca travel insuranceAlicante, Benidorm and surrounding resorts remain popular for beach holidays and winter sunshine. |
Barcelona travel insuranceBarcelona combines sightseeing, culture, food and the coast, making it a popular European city-break destination. |
Ibiza travel insuranceWhether you’re travelling for beaches, nightlife or a family holiday, check your cover against your planned activities. |
Canary Islands travel insuranceTenerife, Lanzarote, Gran Canaria and Fuerteventura are popular year-round. Eligible trips fall within Covered2Go’s European travel area, subject to the applicable policy definition. |
Madrid travel insuranceSpain’s capital is a popular choice for short city breaks, cultural holidays and multi-city itineraries. |
Other Spanish destinationsCover may also be suitable for eligible trips to Valencia, Seville, Murcia, Menorca and other Spanish destinations. |
HOW ARE YOU TRAVELLING?
Travel insurance for different types of Spain holiday
The cover you need can depend on more than your destination. Consider what you plan to do while away and whether additional cover is required.
- Beach holidays: Spain’s mainland coasts, Balearic Islands and Canary Islands offer a wide range of coastal holidays.
- Family holidays: Explore our Family Travel Insurance options.
- City breaks: Barcelona, Madrid, Seville and Valencia are popular for shorter European trips.
- Golf holidays: Optional protection may be available for eligible trips. See Golf Cover.
- Cruise holidays: Cruise-specific protection is available as an optional extension where eligible. See Cruise Travel Insurance.
- Sports and activities: Check whether planned activities are covered. See Sports and Activities Cover.
MEDICAL CONDITIONS
Spain travel insurance with pre-existing medical conditions
Having a pre-existing medical condition does not necessarily mean travel insurance for Spain is unavailable. The important point is to follow the medical declaration and screening requirements that apply to your circumstances.
Under the current Covered2Go Policy Wording, certain specified conditions may be covered without additional medical screening. Other relevant pre-existing medical conditions need to be declared and may require separate medical screening.
For a screened medical condition to be covered, both the Covered2Go base travel insurance policy and accepted medical screening cover must be in place before travel.
Read our full guide to Travel Insurance for Pre-Existing Medical Conditions.
WHAT CAN BE COVERED?
What can Spain travel insurance include?
Depending on your selected cover level and the circumstances of a claim, benefits may include:
- Emergency medical expenses — up to £5 million on Silver and £10 million on Gold and Platinum.
- Cancellation — up to £2,000 on Silver, £5,500 on Gold and £10,000 on Platinum per insured person.
- Baggage and personal belongings — headline limits from £1,500 to £5,000 depending on cover level.
- Missed departure — up to £600 on Silver, £1,000 on Gold and £2,000 on Platinum.
- Travel delay — benefits may apply where an insured delay meets the policy requirements.
- Personal liability — up to £2 million across Silver, Gold and Platinum.
SILVER, GOLD & PLATINUM
Compare our Spain travel insurance cover levels
Compare selected headline benefits across Covered2Go Silver, Gold and Platinum:
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £2,000 | £5,500 | £10,000 |
| Emergency medical | £5m | £10m | £10m |
| Baggage | £1,500 | £3,000 | £5,000 |
| Missed departure | £600 | £1,000 | £2,000 |
| Travel delay | £25 / 12 hrs £150 max |
£35 / 12 hrs £210 max |
£60 / 12 hrs £600 max |
| Personal liability | £2m | £2m | £2m |
| Legal expenses | £15,000 | £25,000 | £25,000 |
| Policy excess | £75 | £50 | Nil |
Headline limits only. Terms, conditions, exclusions, sub-limits and eligibility requirements apply.
Compare our cover levels in more detail.
CHECK BEFORE YOU BUY
Important things to check before travelling to Spain
- Medical declarations: follow the medical declaration and screening requirements applicable to you.
- Sports and activities: make sure your planned activities are included or appropriately extended.
- Policy exclusions: understand the circumstances in which your policy will not provide cover.
- Official travel advice: check current FCDO advice and entry requirements before departure.
Full details are available in the Policy Wording and Insurance Product Information Documents (IPIDs).
USEFUL INFORMATION
Spain travel and health information
Entry requirements, travel advice, healthcare guidance and local conditions can change. Check authoritative sources shortly before travelling.
WHY COVERED2GO?
Travel insurance for Spain from Covered2Go
Covered2Go is a family-run travel insurance business offering a choice of cover levels for eligible trips to Spain and other destinations.
- Which? Best Buy 2026 — Silver, Gold and Platinum all achieved recognition.
- Three cover levels — Silver, Gold and Platinum.
- 24-hour emergency medical assistance.
- Medical screening available where required.
- UK-based customer support.
- FCA regulated through Rush Insurance Services Limited.
See Covered2Go awards and recognition.
PLANNING A TRIP TO SPAIN?
Get a Spain travel insurance quote
Compare Covered2Go Silver, Gold and Platinum cover for your trip to Spain. Your quote will depend on your destination, trip duration, travellers, medical circumstances and any optional cover selected.
Travel insurance is subject to eligibility, policy terms, conditions, exclusions and benefit limits. Please read the applicable Policy Wording and Insurance Product Information Document before purchasing to make sure the cover is suitable for your needs.
Covered2Go is a trading name of Rush Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 714385).
