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Already living in Spain?For Residents (2026)

Travel Insurance for Spain (2026)

Jules

Editor

Updated: July 2026 | Found helpful by 3 others

Updated July 2026. Travel insurance for Spain splits into two clear needs: a Schengen-compliant policy for the visa application, which must show EUR 30,000 in medical coverage, and ongoing cover for trips once you already live in Spain. Mapfre, Allianz Espana, AXA and Generali are the major providers selling travel policies in the Spanish market. Spain is a Schengen state, so the same minimum coverage rule applies at every Spanish consulate.

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What Are the Best Travel Insurance Providers for Spain?

Mapfre, Allianz Espana, AXA and Generali are the four insurers most commonly used for travel cover in Spain, all selling both single-trip and Schengen visa-compliant policies. Each is authorized to operate under DGSFP supervision and is a real, established brand active in the Spanish market.

Largest Spanish Insurer

Mapfre

4.3

Mapfre is Spain's largest domestic insurer, offering travel policies that include Schengen-compliant medical coverage suitable for visa applications alongside standard trip protection.

Best for: Travelers who want a Spain-headquartered insurer with wide claims support

  • Spain-headquartered, DGSFP-supervised insurer
  • Travel policies meeting the Schengen EUR 30,000 medical minimum
  • Wide claims network across Spain and abroad
  • Single-trip policies from EUR 3.66 per person per day, with medical assistance cover up to EUR 500,000 (Mapfre, July 2026)
Explore Mapfre Travel Insurance
Global Brand, Local Presence

Allianz Espana

4.2

Allianz Espana is the Spanish arm of the global Allianz group, offering travel insurance products that include Schengen visa-compliant medical coverage options.

Best for: Travelers who want an internationally recognized insurer with a Spanish branch

  • International brand with a licensed Spanish entity
  • Schengen-compliant medical coverage available
  • English-language support commonly available
  • Single-trip vacation cover from EUR 1.50 per day, medical expenses abroad up to EUR 500,000 on the Gold tier (Allianz Assistance Spain, July 2026)
Explore Allianz Espana

AXA

4.1

AXA operates in Spain as part of its global network, with travel insurance products covering medical emergencies, repatriation, and trip disruption.

Best for: Travelers who want a large international insurer active in the Spanish market

  • Large international insurer with a Spanish presence
  • Medical and repatriation coverage included on standard plans
  • Digital claims tools commonly available
  • Three-tier Mini, Total, and Total Plus plans with medical cover from EUR 25,000 up to EUR 1,000,000, from EUR 1.48 per day (AXA Partners Spain, July 2026)
Explore AXA Spain

Generali

4.0

Generali sells travel insurance in Spain including policies designed specifically to meet Schengen visa medical-coverage requirements.

Best for: Travelers who want an established European insurer with Schengen-focused products

  • Established European insurer active in Spain
  • Schengen visa-application travel policies available
  • Trip cancellation and luggage add-ons commonly offered
  • Five policy tiers including Viajero, Viajes Multiviajes, and Viajes Anual Premium (Generali Spain, July 2026); Generali does not display travel-insurance prices online
Explore Generali Spain

What Travel Insurance Do You Need for a Spanish Visa Application?

A Spanish visa application requires travel medical insurance covering at least EUR 30,000, the standard Schengen minimum that applies across every Schengen member state, not a Spain-specific figure. Spain is a Schengen country, so the relevant Spanish consulate accepts any policy that meets this Schengen-wide medical-coverage minimum, regardless of which insurer issued it. The policy must cover medical emergencies and, in most cases, repatriation, and must remain valid for the full duration of the intended stay in the Schengen area (Regulation (EC) No 810/2009, Article 15 and Annex; Ministerio de Asuntos Exteriores, July 2026).

Illustration of a shield, an umbrella, and a health cross, for health, home, and liability insurance cover in Spain.
Health, home, and liability: Spanish cover at a glance.

Do Residence Permit Holders in Spain Need Travel Insurance?

Once you hold a residence permit linked to your NIE and have access to the Sistema Nacional de Salud (SNS) or a private health policy, standalone travel insurance is not a legal requirement to keep living in Spain. This is different from the pre-arrival visa-application stage, where the Schengen EUR 30,000 minimum applies before you receive your permit. Once settled, travel insurance becomes useful again specifically for trips outside Spain, since the SNS and most private Spanish health plans do not cover you abroad.

What Should You Look For in Travel Insurance for Spain?

Beyond meeting the Schengen EUR 30,000 minimum for a visa application, a good travel policy for Spain should cover four areas: medical emergencies, repatriation, trip disruption, and belongings. Compare these across Mapfre, Allianz Espana, AXA and Generali before choosing.

Medical Emergency Coverage

Confirm the policy covers hospital treatment, emergency doctor visits, and prescribed medication at a level at or above the EUR 30,000 Schengen minimum, since this figure is a floor for visa acceptance, not a recommended ceiling for actual medical costs.

Repatriation and Evacuation

Repatriation cover pays for transport back to your home country, or to Spain, after a serious illness or injury. Most Schengen-compliant policies from Mapfre, Allianz Espana, AXA and Generali include this, but coverage limits vary by tier: AXA's Mini, Total, and Total Plus plans set combined medical and repatriation cover at EUR 25,000, EUR 150,000, and EUR 1,000,000 (AXA Partners Spain, July 2026), Allianz Assistance's Bronze, Silver, and Gold tiers set medical cover abroad at EUR 20,000, EUR 100,000, and EUR 500,000 (Allianz Assistance Spain, July 2026), and Mapfre's single-trip policy sets medical assistance cover, which includes repatriation, at EUR 500,000 (Mapfre, July 2026). Generali does not display travel-insurance prices online; you request a quote by form, phone, or office.

Trip Cancellation and Interruption

This covers non-refundable costs if a trip to or from Spain is cancelled or cut short due to illness, a family emergency, or another covered reason. It is usually an add-on rather than a built-in feature of the base Schengen policy.

Luggage and Personal Belongings

Cover for lost, delayed, or stolen luggage is common but capped at modest amounts on entry-level plans: EUR 500 on AXA's Mini tier and EUR 1,500 on Allianz Assistance's entry-level Bronze tier (AXA Partners Spain and Allianz Assistance Spain, July 2026), so check the policy wording if you are traveling with valuable items.

Sources: Mapfre, AXA Partners Spain, Allianz Assistance Spain, Ministerio de Asuntos Exteriores, DGSFP. Updated: July 2026. Generali's tier-specific policy prices and coverage limits are not published online and remain unverified; contact Generali directly for exact figures.

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