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.
Protect yourself from medical emergencies, cancellations and lost luggage
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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.
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 £29.68[3]
Spain is typically covered under European travel insurance policies.
The specific type of policy you need depends on your travel plans.
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.
If you go away often then this type policy could be better value. It covers multiple trips for one year.
If your Spanish adventure is just one part of a larger journey, this offers extended cover for longer trips through multiple countries.
Cheapest Price | Average Price |
|---|---|
£4.38[6] | £16.18[4] |
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.
🚩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 |
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.
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
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.
This is the average amount paid by MoneySuperMarket customers for travel insurance with medical cover across all destinations. Medical cover for Canada specifically is likely to be 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.
🚩 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.
🚩 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.
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.
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.
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.
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.
It can be easy to assume there are few risks when travelling, particularly when travelling in the UK or to a nearby country. However, there is always the possibility of something out of your control happening and when it comes to healthcare costs abroad this can end up costing thousands. With the right policy, one travel insurance payment can help alleviate any worries knowing if anything does go wrong, you’re covered.
Kara Gammell Personal Finance Expert
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At MoneySuperMarket, our mission is to help you Super Save on travel insurance. We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs.
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Ready to compare quotes? Here's what to do next:
Give a few details about you, your travel dates and destination, and whether you have any medical conditions to declare.
We’ll put together a list of travel insurance quotes, so you can pick one that works for you at the best price.
Once you’ve chosen the right quote for you, you can purchase your policy and you’ll be covered for your trip.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Spain in 2025. Prices vary based on your personal details & circumstances.
Up to £130 if every qualifying product purchased once. T&Cs apply. Click here for details.
Data based on the average price of travel insurance sold through MoneySuperMarket with last minute cover in 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket to Spain in 2025.
Association of British insurers data, 2022
Data based on the 10th percentile price of travel insurance sold through MoneySuperMarket to Spain in 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket with medical cover in 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
The number of providers for travel insurance in April 2025
