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Travel Insurance for Ibiza

Compare travel insurance for Ibiza

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Written by  Saarrah Mussa
5 min read
Updated: 11 Oct 2022

If you’re travelling to Ibiza, make sure you’ve got travel insurance so you can really relax and enjoy your break.

Why do I need travel insurance to Ibiza?

Don’t head on your holiday to Ibiza without travel insurance.

Your travel insurance will provide protection for you and your family if someone becomes ill or has an accident while you’re on holiday and in case your possessions are lost or stolen during your trip.

Travel insurance will also cover you in the event that your holiday has to be cut short or cancelled unexpectedly, which could otherwise see you left out of pocket.

Azure bay in the Balearics

What should my travel insurance policy for Ibiza include?

A good travel insurance policy for Ibiza should include the following:

  • Cover for overseas emergency medical expenses.

  • Cover for your repatriation to the UK, in case you have to be brought back (for example, in an air ambulance).

  • Cancellation and curtailment cover.

  • Cover for delay and missed departures; in the event that circumstances beyond your control, such as extreme weather, mean you miss your flight.

  • Cover for travel abandonment, in the unlikely event that problems arise on your journey and you have to give up trying to get to your destination.

  • Cover for lost and stolen baggage.

  • Cover for the loss or theft of your passport. This isn’t always included as standard, but it’s worth adding because obtaining a replacement passport while you’re away can be an arduous process.

  • Cover for personal liability – in case something you do causes injury to someone else, or results in loss or damage to their belongings.

Travel insurance to Ibiza: exclusions and things to watch out for

All insurance policies come with exclusions, and travel insurance is no exception.

Here are some of the things that you’ll probably be unable to claim for under your travel insurance policy: 

  • Pre-existing medical conditions. This means any illness that was diagnosed, or whose symptoms you disclosed to your doctor, before travelling.

  • Unexpected incidents such as war, terrorism, civil unrest, and the effects of

    natural disasters that affect your holiday. The amount of cover will vary from policy to policy.

  • Alcohol-related accidents, injuries, and illness.

  • Travel to places that the Foreign, Commonwealth & Development Office (FCDO) has advised British tourists to avoid.

  • Accidents or injuries that occur during extreme or adventure sports such as diving or surfing. If you’re planning on taking part in such activities while on holiday in the Balearic Islands, make sure you are covered.

Don’t forget to check the excess on your travel insurance policy, too. This is the amount you would need to stump up in the event you had to make an insurance claim.

Finally, while you might think it’s sensible to start your travel insurance policy from the date on which you’re due to travel, this could be an expensive mistake. Always start your policy from the date you book your trip. Otherwise, should you need to cancel your holiday due to unforeseen circumstances, you will not be covered.

Will an EHIC/GHIC cover me in Ibiza?

Even though Britain isn’t part of the European Union, you can still use your European Health Insurance Card (EHIC) until it expires. The new Global Health Insurance Card (GHIC), which is only valid for use in the EU, is replacing the EHIC. This can be used by UK residents when they are on holiday in the EU for State-provided emergency healthcare.

The GHIC works under exactly the same terms and conditions as the EHIC. The GHIC is free and you can apply for your GHIC through the NHS.

Crucially, though, this doesn’t mean that all medical treatment received in hospitals and clinics under the EHIC/GHIC scheme in Ibiza would be free.

It is therefore quite normal for holidaymakers who get medical treatment under the EHIC/GHIC scheme to have to make financial contributions to the cost of their care.

The EHIC/GHIC is a useful safety net, but it is not a substitute for good quality travel insurance.

Top travel tips for Ibiza

Protect yourself from the sun

Ibiza is well known for its sunny weather, but if you’re soaking up some rays, it’s important to be aware that a pleasant coastal breeze could mask the intensity of the heat.

Always apply high-factor sun cream, wear a hat and sunglasses, and regularly seek out shade.

Drink plenty of water

Water in Ibiza is safe to drink, so make sure you have some handy while you’re in the heat.

Keep cash handy

While you should be able to pay with your card inside your resort, if you travel further afield, you will probably find you’ll need to pay for goods and services in cash.

Wherever you are, it’s a good idea to have some euros on you at all times in case you find yourself in a shop, restaurant, or attraction where cards are not accepted.

Speak the language when you can

In Ibiza, the two official languages spoken are Castilian Spanish and Catalán. If you learn some key words and phrases in either one of them, or perhaps both, you’re certainly being polite and are likely to impress the locals.

Beware of clothing-optional beaches

Some beaches in Ibiza are popular with nudists. If going bikini-free (or sunbathing alongside those who are) isn’t your thing, research your chosen beach before heading off for a day by the sea. 

Compare travel insurance policies before you buy

While travel insurance to Ibiza is a necessity, the price of policies can vary. Different companies will sell the same level of cover at completely different prices, so it’s important to compare before you buy.

MoneySuperMarket’s comparison tool asks you a few simple questions about you and your holiday: where you are going, how long for, and what you want your policy to cover, and you can compare prices from a range of leading travel insurers in moments.

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