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Up to £15,000 cancellation cover per person on Signature policies
Cover for pre-existing medical conditions and all ages
The UK’s favourite travel insurancebased on more 5-star Trustpilot reviews than any other provider
Excellent 4.7 | 534,203 reviews
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2024
Travel insurance for Spain at a glance
With Staysure’s travel insurance for Spain, you can protect both your travel plans and your wallet from unexpected situations that could derail your holiday. Our flexible policy options cover cancellations up to £15,000 per person, most pre-existing conditions, and all ages. Getting a quote is easy online or over the phone.
We’ve specialised in travel insurance for pre-existing medical conditions since 2004. 97% of customers are able to get medical cover with us. We hold a Defaqto 5-star rating for our Signature policy, and have more 5-star Trustpilot reviews than any other UK travel insurance provider.
Like many EU countries, Spain doesn't require travel insurance by law, but most experts strongly recommend buying a policy to make sure you're protected from the unexpected.
Staysure travel insurance for Spain can help if you need emergency medical treatment, have to cancel before you go, or need to cut your trip short and come home early. It can also help with repatriation, plus everyday travel headaches like baggage loss.
Does my EHIC or GHIC cover me for travel to Spain?
Your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) will foot the bill for state-funded healthcare in Spain, but it doesn’t replace travel insurance.
If you’re travelling with only a EHIC or GHIC, you’ll be covered for the following state-funded medical care the same as any Spanish resident, meaning you’ll receive care at either a lower cost or for free.
When combined, travel insurance and either EHIC or GHIC cards are a dream team, each filling the gaps to guarantee complete cover. With Staysure, you have access to ambulance callouts, medical evacuation, and other essential non-medical benefits like trip cancellation cover.
Beth Craig
Travel insurance expert
Together, GHIC and travel insurance provide complete cover
What our expert says…
“A EHIC or GHIC card is your ticket to emergency and medically necessary healthcare at public clinics and hospitals in Spain. However, it doesn’t cover things like flying you home because of an illness, cancelling or shortening your trip, or helping replace essential medication. Travel insurance steps in to cover what GHIC doesn’t, giving you extra protection when you need it most.
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Why choose Staysure?
Up to unlimited medical emergency expenses
Generous cancellation cover up to £15,000
We’ve given over 12m people peace of mind
Most pre-existing medical conditions covered
Easy to access and amend your policy online
What does Spain travel insurance cover?
With our award-winning Spain travel insurance, the only thing you have to stress about is whether you can fit one more churro. Our cover includes everything you expect and more. From medical emergencies (said churro was one too many), lost luggage, last-minute emergency cancellations, travel delays, and more.
What’s covered?
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You’re lazing on the coastline of Spain when a seagull steals your Chorizo slices right out of your hand. In an attempt to get back what is rightfully yours, you trip over your own sun lounger and break your arm. We cover the ambulance that takes you to a clinic. We also take care of your medical bill and arrange for safe repatriation to the UK after you’re all set.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike* severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme or cruises, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
trips taken for business or work – your policy is for leisure trips only.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You’re typing a quick email on your laptop at a beautiful restaurant in Mallorca. The sunset beckons, and without thinking it through, you leave your laptop unattended to go take a selfie on the veranda. If your laptop were to get stolen, we won’t cover your claim.
Spain travel insurance for medical conditions
Having a pre-existing medical condition shouldn’t stop you from travelling to your favourite Spanish destinations. As a medical travel insurance specialist, we cover over 1,300 medical conditions**, and all ages.
Our simple medical screening process takes just minutes and provides a tailored quote that takes your unique health needs into account. By being honest about your health, we can make sure your policy gives you all the support you need while travelling.
Medical conditions we regularly cover
We cover a vast number of medical conditions, including:
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Feeling unwell can take the fun out of any trip – especially if you’re trying to explain your symptoms in Spanish.
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.*** It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
Whether you prefer completing a quick online quote or speaking to someone over the phone, we make buying travel insurance seamless.
1. Run us through your travel plans
To get started on your quote, we’ll go over your travel plans. We need to know who’s coming along, where you’re heading, how long your trip will be, and whether you need insurance for a single trip or annual multi-trip cover.
Top tip: for cruises, it’s important to include every destination on your itinerary, as well as any flights to and from your port.
2. Tell us about your medical history
Next on the list, we’ll go over some health questions with you so we can make sure you get the best medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
We also ask about any past heart or circulation conditions – even if they weren’t recent.
3. Get your personalised quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your level of cover and add any optional extras that suit your trip, such as cruise travel insurance or winter sports cover. If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Travel insurance costs for Spain vary depending on the details of your trip. In many cases, it’s less about the country you’re visiting and more about the type of holiday you are planning. Things like when you’re travelling, your trip length, the places you’ll visit, and the activities you want to do all factor in when determining the price of your policy.
For example, a week in Barcelona often costs less than covering a ski holiday in harder-to-reach locations, like Val d’Aran. This is because you’ll need specialised medical support if something goes wrong.
How to get cheaper travel insurance for Spain
Want to shrink the costs of your travel insurance while still getting the most out of your policy?
Keep these tips and tricks in mind before you buy:
buy your policy early – taking out travel insurance soon after booking your trip can keep you covered if you need to cancel before you travel.
choose a higher excess – a higher excess will help to lower your premium, but be sure to choose an amount you’re comfortable paying if needed.
skip the add-ons – by not adding things like cruise or gadget cover if you don’t need them, you can lower your overall cover cost.
declare your medical conditions – being open about your health history helps to ensure the right cover is in place and makes sure all your claims sail through.
combine travellers on one policy – make sure all your travel companions are on the same policy, such as our family travel insurance, to save on cover costs.
keep your baggage light – by taking only what you need, you can lower the baggage limit on your policy and bring your premium down.
find a discount – make sure you swing by our discounts page before you buy so you can save on your policy.
Beth Craig
Travel insurance expert
Want to lower your premium even further? Here’s how
What our expert says…
“If you are planning on travelling to Spain multiple times a year, it could be best to buy multi-trip travel cover at the start of each year. This will make sure each trip is covered way ahead of your travel date and will save costs by covering all trips under one policy.
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Voted Best Travel Insurance 9 years running
The British Travel Awards have recognised us as the Best Company for Travel Insurance nine years in a row (2016-2025). This achievement is based on the votes of real customers, showing the trust travellers place in us.
This award is only given to travel companies that provide stellar service to their customers. It shows that we prioritise customer service, round-the-clock support when you need it most, and a reliable and speedy claims process.
Excellent 4.7 | 534,203 reviews
The UK’s favourite travel insurance provider
with more 5-star reviews than any other provider.‡
Easy and straightforward
Easy and straightforward
Margaret Paginton ,
A new policy without any problem!
A new policy without any problem!
Dr Christopher A Birt,
Professional Company. Happy customer
The lady I spoke to was very helpful and knowledgeable. I even got my renewal policy reduced. Very happy. 3 levels of cover can be chosen. I chose the middle level.
Jill Stenton,
Spain travel insurance FAQs
No, the EU’s Entry/Exit System (EES) doesn’t make travel insurance a requirement to enter Spain or the Schengen area.
Essentially, the ESS tracks when non-EU citizens, like people from the UK, enter and leave the Schengen area. This is a new system which will eventually replace the need for having your passport stamped and instead lets you in and out of the country with biometric registration.
You might still be asked a few questions at the border about your trip, and occasionally, things like travel insurance may come up, but as far as we know, this isn't usually a barrier to entry. However, it’s still a good idea to protect your trip as soon as you book.
Yes, we can often cover GP visits and prescriptions, but only for the necessary treatment of an unexpected medical emergency. For example, if you are bitten by a poisonous insect, we would cover the reasonable medical costs, which would include a doctor’s visit and medicine.
We also provide medical support and prescriptions via video call through Travel Doctor.*** Any medication that the GP prescribes during your consultation will be covered.
However, for us to cover you, you should be honest about any medical conditions you have when buying your cover. Your illness must also be unexpected and medically necessary. This means our policies don’t cover planned medical treatments, such as travelling to Spain specifically to see a doctor or get a check-up
es, Spain is considered a safe holiday destination, but it’s always a good idea to take a look at the FCDO's travel advice. They ask travellers to stay aware of common risks when visiting the country.
One of these risks is vehicle-related scammers, who are also known as “highway pirates”. These criminals try to flag you down, claiming that there’s something wrong with your car, so they can rob you.
If this happens to you, we’ll help cover the costs of replacing important items. If the car got damaged in the process and you took out our Car Hire Excess Waiver, we’ll also pay the excess of the car hire company. On top of this, we provide 24/7 emergency assistance, meaning help is always available when you need it most.
Other things to be on the lookout for include house intruders, scammers who are mostly thieves posing as police officers, and timeshare or holiday clubs offering false incentives. If you are the victim of a crime, please report it to the authorities. This will help us to cover your travel-related claims so you can get back home.
If you are planning on braving the slopes in Spain, it might be helpful to get winter sports cover. This can protect you if something goes wrong while skiing and snowboarding, glacier skiing, sledging, snowshoeing, ice skating, mono-skiing, tobogganing, guided cross-country skiing and more.
If you get injured while skiing, we cover your medical expenses or get you to a hospital if needed. Winter sports cover also protects your ski equipment if it’s stolen, lost or damaged during your trip.
When it comes to our single-trip policies, winter sports cover can be added to your basic cover. In terms of our annual multi-trip insurance, winter sports cover is already included on our Comprehensive and Signature policies†.
If you’re planning a hiking trip in the Picos de Europa National Park, it’s worth checking if your travel insurance to Spain already covers it before lacing up your boots.
With Staysure, hiking and trekking are included in many policies, as long as you’re not competing professionally and you don’t hike above 2,500 meters. Many popular routes in the Picos de Europa fall below this altitude, so if you hike within range, you’re covered for mountain rescue if you need it.
Having the right travel insurance in place also means you are covered for any emergency medical treatment should something unexpected happen while you’re exploring the trails.
While bank travel insurance does provide good holiday cover, there are some restrictions to look out for. Banks aren’t travel cover specialists, so they usually don’t cover a wide range of pre-existing medical conditions or adventurous activities. Most importantly, many banks don’t provide travel cover for those over 70.
This means adventurous escapades would be off limits. What’s more, you could end up covering the costs of large medical bills if something goes wrong.
On the flip side, our travel insurance allows you to personalise your policy. We cover all ages and most pre-existing medical conditions, allowing you to bask in bliss without having to fret about flare-ups – rather nifty for over 50.
It’s something worth considering. The chances of something unplanned happening may be slim, but with the right insurance policy, you’ll be covered either way. And by taking out your policy as soon as you book, you can rest easy knowing you are protected from day one.
When choosing between a single-trip travel insurace or annual travel insurance, it’s best to consider the duration of your visit and the number of times you’ll be travelling. Both our single-trip and annual multi-trip policies cover all ages and can be tailored with your unique needs in mind.
With so much to do and see in Spain, plenty of UK travellers visit every year simply to indulge in some of their favourite pastimes. Staysure covers over 80 fun activities as standard, including beach cricket, hiking, canoeing, cycling, swimming, jet skiing, snorkelling, volleyball, surfing, and windsurfing, with some exceptions when it comes to personal accident and liability cover.
Golf is a firm favourite for many travelling to Marbella. In fact, the region is often referred to as “Costa del Golf” because of its 70+ golf courses stretching across the coastline.
We cover golf as standard across all our policies, so you can tee off worry-free. But we also offer extra golf cover, which protects things like your own golf equipment, the golf equipment you hire, non-refundable golfing fees and includes hole-in-one-cover.
Yes, we cover UK travellers visiting their holiday homes in Spain. It’s a booming housing market for UK buyers, with more than 12,740 properties purchased in 2023. The important thing is choosing a travel insurance policy that matches your cover needs, so you don’t pay more than you need to while staying fully protected.
A few things to check before you buy are how much cancellation cover you need, so you’re covered in case you can’t travel anymore. Make sure your travel insurance has ample medical and repatriation cover. And it’s also worth considering trip disruption add-on and tailoring your baggage cover to match the value of your luggage.
If you visit your holiday home more than once a year, annual multi-trip cover may give you better value overall compared to buying multiple single-trip policies.
Yes, Staysure travel insurance covers the Canary (including Tenerife) and Balearic Islands and other Spanish territories, like Ceuta and Melilla. These areas are seen as European destinations that fall under Spain, which means they are automatically included in our polices.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
Up to £15,000 cancellation cover per person on Signature policies
