Single-trip insurance
Best for a one-off holiday of less than 30 days. You can visit more than one country, as long as you don't return home in-between.
Do I need travel insurance for Spain?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to Spain is unexpectedly cancelled, you need medical treatment, or your valuables are lost or stolen.
Can I get last minute holiday insurance for Spain?
Yes, it is possible to get last minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
The average price of last minute cover on MoneySuperMarket is £35.19.
Spain travel advice
Still current at: 14 Apr 2026
Please be aware of ongoing disruptions to high-speed rail services between Madrid and Andalusia, particularly to Malaga and Algeciras; check with your train operator for the latest information and allow extra time for your journey. Your passport must be valid for at least 3 months after your departure date and have been issued less than 10 years ago to enter the Schengen area, which includes Spain, and you can travel visa-free for up to 90 days in any 180-day period for tourism or short visits. The FCDO advises that there is a high threat of terrorism in Spain, and while most demonstrations are peaceful, it's important to stay aware of your surroundings and follow local authority advice.
Please be aware of ongoing disruptions to high-speed rail services between Madrid and Andalusia, particularly to Malaga and Algeciras; check with your train operator for the latest information and allow extra time for your journey. Your passport must be valid for at least 3 months after your departure date and have been issued less than 10 years ago to enter the Schengen area, which includes Spain, and you can travel visa-free for up to 90 days in any 180-day period for tourism or short visits. The FCDO advises that there is a high threat of terrorism in Spain, and while most demonstrations are peaceful, it's important to stay aware of your surroundings and follow local authority advice.
This is an AI-generated summary of UK government travel advice. Check the FCDO website for complete information.
What type of travel insurance do I need for Spain?
What travel insurance do I need for Spain?
Spain is typically covered under European travel insurance policies.
The specific type of policy you need depends on your travel plans.
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Annual multi-trip insurance
If you go away often then this type policy could be better value. It covers multiple trips for one year.
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Backpackers insurance
If your Spanish adventure is just one part of a larger journey, this offers extended cover for longer trips through multiple countries.
How much is travel insurance for Spain?
The table shows the prices paid by our customers for holidays to Spain this year.
Cheapest Price | Average Price |
|---|---|
£1.40^ | £17.24^ |
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your holiday.
What should my travel insurance policy for Spain cover?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check the policy wording.
Basic travel insurance |
|---|
✔ Illness and accidents |
✔ Trip and activity cancellations |
✔ Lost luggage (including your passport) |
✔ Theft |
✔ Repatriation (bringing you home in an emergency) |
✔ Personal liability (you harm someone or their property) |
Extras, add-ons and upgrades |
|---|
✔ Declared pre-existing medical conditions |
✔ High-risk activities including skiing |
✔ Gadget cover (for high-value items) |
✔ Cruises |
Not covered |
|---|
✖ Undeclared pre-existing medical conditions |
✖ Alcohol and drug-related incidents |
✖ Travel against government advice (see FCDO website) |
✖ Deliberately causing harm |
What happens if I get ill in Spain?
British citizens can get some necessary state healthcare in Spain for free with a Global Health Insurance Card (GHIC). GHICs are replacing European Health Insurance Cards (EHICs), but you can still use existing EHICs until they expire.
Will my EHIC/GHIC cover me in Spain?
Yes, Global Health Insurance Cards (GHIC) or unexpired European Health Insurance Cards (EHIC) can be used in Spain.
However, the UK government and the NHS advise that Britons with GHICs still take out comprehensive travel insurance when they visit Spain, as the health insurance cards do not cover all medical situations and costs.
💡 Top tip: UK residents can get a GHIC for free from the NHS website
Can I get Spain travel insurance with a medical condition?
Yes, you can get holiday insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. This includes mental health conditions and disabilities. But pregnancy is not usually considered a pre-existing condition unless you've had complications.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
How much does it cost?
£33
.35^
This is the average amount paid by MoneySuperMarket customers for travel insurance with medical cover across all destinations.
Will all medical conditions make travel insurance more expensive?
No. If you have been recovered for a long time or your symptoms aren't very severe insurers may cover your condition for free.
Do I need a visa to visit Spain?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
No, if you are a UK passport holder you do not need a visa to enter Spain as long as:
Your visit will not mean you have spent more than 90 days in the Schengen area within a 180-day period
the purpose of your visit is a holiday or visiting friends and family
💡 Top tip: Rules for visiting Europe have changed post-Brexit. If you overstay your 90-day limit you can be banned from entering any Schengen country for three years.
Do I need vaccinations for Spain?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
No special vaccinations are needed for travel to Spain. However, ensuring your routine vaccinations are up to date is always a good practice.
When traveling with prescription medicines, verify their legal status in Spain and carry a copy of your prescription with you to avoid any issues at the border.
Frequently Asked Questions
What travel insurance do I need for hiking in Spain?
You may need to have adventure sports cover. Standard travel insurance policies often will not cover hiking above a certain height or in riskier locations. If your hiking trip involves mountaineering or using climbing equipment you'll almost certainty need extra cover.
You may be able to add adventure sports cover to your existing travel insurance for a fee.
Will travel insurance cover me for watersports?
Yes it can, but you may need to take out adventure sports cover. Standard travel insurance policies don't always cover watersports like snorkelling, jet-skiing, scuba diving or surfing.
You may be able to add adventure sports cover to your existing travel insurance for a fee.
Do British tourists get free healthcare in Spain?
British residents can get some treatment at public medical facilities in Spain for free with a Global Health Insurance Card (GHIC) or in-date European Health Insurance Certificate (EHIC). GHICs are free and can be obtained from the NHS' website.
However, these health cards do not cover private treatment, elective procedures or some medical costs such as repatriation.
How much should my travel insurance excess be?
Where you set your excess - the amount you pay towards a claim - depends on your personal preferences and finances.
A higher excess can lower your premium. Raising it is one way to find cheaper travel insurance, but you should always choose an excess that is affordable. You can also choose no-excess travel insurance.
Our expert says…
While rumours about fines for travelling to Spain without insurance were later shown to be false and might give travellers a sigh of relief, the right policy can help you face unexpected costs if something goes wrong on holiday and give you ultimate peace of mind.
It’s easy to assume there are few risks when travelling to a nearby country like Spain, but illness, injury or disruption can still result in significant costs.
The UK Foreign Office advises travellers to have appropriate travel insurance in place, as GHIC or EHIC cards don’t cover all healthcare costs or expenses such as repatriation, cancellations or lost belongings.
Kara Gammell Personal Finance & Insurance Expert
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Reviewed on 15 Apr 2026 by
The number of providers for travel insurance in April 2026
Using the 10th percentile of premiums, based on a daily rate for an individual aged 30 with no pre-existing medical conditions, taking single trip cover for 3 days to France. Using Moneysupermarket policies sold between January 2026 and March 2026. Moneysupermarket data correct as of 2026-04-14.
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YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
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Data based on the average price of travel insurance sold through MoneySuperMarket with medical cover in 2026.
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