The Best Travel Insurance Plans for Spain in 2025
- The best travel insurance plans for Spain
- Is it currently safe to travel to Spain?
- Is travel insurance required by law to enter Spain?
- Why take out travel insurance for Spain?
- What Travel Insurance for Spain Should Cover
- The cost of travel insurance for Spain
- How to pay less for your travel insurance to Spain
- Can I rely on my current insurance to cover me in Spain?
- FAQ
Travel insurance for Spain: key takeaways
1. Definition: Travel insurance for Spain covers medical emergencies, trip cancellation, and personal liability.
2. Key protection: Insurance is not mandatory, but vital as Australia has no reciprocal healthcare agreement with Spain.
3. Healthcare cost: Private hospital care in Spain is excellent but can cost over AUD $800 per night.
4. Price: A one-week travel insurance policy for Spain typically costs between AUD $40 and $80.
5. Good to know: Ensure your policy covers theft, as petty crime is common in major Spanish tourist areas.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Spain.
The best travel insurance plans for Spain
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | A flexible solution well-suited for Spain, with extensive medical and practical guarantees. - high ceiling - repatriation - baggage cover |
| Cap Assistance 24/24 | AUD 1.6M | A strong choice for secure travel in Spain, combining high limits and responsive service. - 24/7 support - no deductible - trip cancellation cover |
| Tourist Card | AUD 0.8M | A streamlined contract for leisure trips to Spain, ensuring core protection. - sound base cover - immediate assistance - simple terms |
| Travel Pass Monde | AUD 1.1M | Solid for family or extended stays in Spain thanks to well-balanced medical and practical benefits. - hospitalisation - dental emergencies - civil liability |
| Globe Partner | AUD 0.5M | Reliable for short or budget trips to Spain, covering most common risks. - outpatient care - fast claims - repatriation |
| Globe Traveller | AUD 0.8M | The essential guarantee for Spain with prompt refunds and clear policy options. - essential medical cover - assistance - affordable ceiling |
- high ceiling
- repatriation
- baggage cover
- 24/7 support
- no deductible
- trip cancellation cover
- sound base cover
- immediate assistance
- simple terms
- hospitalisation
- dental emergencies
- civil liability
- outpatient care
- fast claims
- repatriation
- essential medical cover
- assistance
- affordable ceiling
Is it currently safe to travel to Spain?
As of June 2025, the Department of Foreign Affairs and Trade (DFAT) in AU advises travellers to exercise normal safety precautions when visiting Spain, according to the latest official guidance.
Here are their four main recommendations.
- Security risks: Spain maintains a high terrorism alert following incidents in public spaces, like transport hubs and busy city centres. Petty crime, especially pickpocketing, is frequent in tourist areas such as Barcelona and Madrid.
- Health risks: Medical standards are high and risks similar to Australia, but public hospitals may require upfront payment. Emergency care is accessible by dialling 112, with no vaccination requirements, but you must pay all costs if uninsured.
- Transport and strikes: Demonstrations and industrial actions often impact airports, rail, and inner-city transit. In April 2025, strikes resulted in delayed flights and cancelled trains between Madrid and Seville.
- Legal and urban risks: Official ID is mandatory and you can be fined for not producing it. Drug possession, even in small quantities, leads to strict penalties and administrative detention is possible.
Although not required, travel insurance is strongly recommended by the Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Spain.
Is travel insurance required by law to enter Spain?
No, travel insurance is not mandatory for Australian citizens travelling to Spain for stays up to 90 days.
Travel insurance is highly recommended due to the potential for expensive medical treatment, emergency repatriation, or personal liability costs in Spain. A comprehensive policy can provide financial protection and assistance in case of accident, illness, theft, or travel disruption.
According to our data, 50% of travellers purchase travel insurance before going to Spain. This reflects both the high healthcare costs in Spain if you are uninsured and a responsible risk approach among Australian travellers.
Why take out travel insurance for Spain?
It is an essential financial and medical protection for anyone going to Spain.
In Spain, foreigners do not have access to the national health system for free, and public hospitals like Hospital Universitario La Paz in Madrid often require upfront payment for non-residents. Private clinics like Clínica CEM Barcelona offer high-quality care but can charge high rates for even minor procedures.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to AU in the event of a serious incident.
Here are some examples of healthcare costs in Spain.
| Example of medical treatment | Cost at Clínica CEM Barcelona | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,000 € (about AUD 3,200) | Up to 100% depending on policy |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,800 € (about AUD 2,900) | Up to 100% depending on policy |
| I need to be repatriated | 20,000 € (about AUD 32,000) | Up to 100% depending on policy |
| I have appendicitis (consultation and surgery) | 6,000 € (about AUD 9,700) | Up to 100% depending on policy |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Travel Insurance for Spain Should Cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Spain.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency care, consultations, medications and hospital stays if you fall ill or have an accident. We recommend a limit of at least AUD 250,000 for Spain. |
| 🚑 Medical evacuation and repatriation | Covers transport to Australia or the nearest suitable clinic if you are seriously ill or injured. Recommended: limit of at least AUD 500,000. |
| 💼 Baggage and personal effects | Loss, theft or damage to luggage and valuables during your trip. Recommended: limit of at least AUD 5,000. |
| ⏳ Trip cancellation and curtailment | Refund if you need to cancel or interrupt your trip due to a serious event. Recommended: limit of at least AUD 10,000. |
| 🚗 Personal liability | Protects you if you cause damage or injury to a third party. Recommended: limit of at least AUD 1,000,000. |
| 💉 Emergency dental | Covers urgent dental treatment for pain relief abroad. Recommended: limit of at least AUD 1,000. |
| 🎿 Sports and activities | Covers accidents linked to common sports and excursions, not all policies include risky activities. Check if coverage applies and increases limits accordingly. |
We recommend a limit of at least AUD 250,000 for Spain.
Recommended: limit of at least AUD 500,000.
Recommended: limit of at least AUD 5,000.
Recommended: limit of at least AUD 10,000.
Recommended: limit of at least AUD 1,000,000.
Recommended: limit of at least AUD 1,000.
Check if coverage applies and increases limits accordingly.
Travel insurance from local providers or bank cards often includes low limits, medical ceiling caps and many exclusions. It is safer to select a well-known insurer offering strong protection. Compare the best options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Spain
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 45 |
| 2 weeks | 45 years old | AUD 78 |
| 1 month | 35 years old | AUD 120 |
| 1 month | 70 years old | AUD 210 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
When sorting your travel insurance for Spain, remember the price varies. Key factors include your age, the length of your stay, the level of cover you choose, and optional extras like cancellation cover. Keeping these in mind helps you snag the right policy for your trip without any nasty surprises.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Spain
Here are some suggestions to optimize the cost of your travel insurance to Spain while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Policies are priced based on how long you stay abroad. For Spain, shorter stays require lower premiums. | Choose a policy matching your actual travel dates instead of an annual plan if you travel rarely. |
| 🧑 Traveller’s age | Older travellers usually pay higher premiums, especially over 65, as risk increases for insurers. | Compare insurers for seniors, as some like Heymondo do not increase prices for people over 62. |
| 🧳 Level of coverage | Higher benefit limits raise prices, but excess coverage may not be useful for average trips in Spain. | Select the right coverage limit by estimating real risks, not the highest available amount. |
| 👫 Number of travellers | Group or family policies can give savings compared to individual insurance for each person. | Opt for family or group plans if you travel with others, as these are often more economical. |
| 🌍 Geographic area | Worldwide coverage costs more than regional policies. Spain is within Europe, so opt for proper scope. | Choose European cover instead of global if you only travel to Spain or nearby countries. |
| 🏥 Deductible amount | Choosing a policy with a higher deductible (excess) usually lowers the premium cost. | Increase your deductible if you are comfortable with paying a small amount in case of a claim. |
| 🛒 Policy purchase timing | Booking insurance early secures lower prices and covers early-booking cancellation risks. | Buy as soon as your trip is confirmed to lock in protection and possibly get a better rate. |
Can I rely on my current insurance to cover me in Spain?
It is completely legitimate to wonder whether your current coverage, such as public or private health insurance, or even credit card insurance, will protect you during a trip to Spain. Unfortunately, this coverage is often limited or insufficient, especially for medical emergencies or travel issues. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Spain? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No overseas emergency cover, no hospital expenses, no repatriation | Travel insurance covers up to AUD 1,000,000+ for medical care, hospital, evacuation and 24/7 assistance. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | Sometimes partial overseas emergency care, no repatriation, claim-based, very low annual limits | Travel insurance pays up to AUD 1,000,000+, repatriation, lost luggage and cancellations, all before departure. |
| Classic credit card (Commonwealth Bank Low Rate, ANZ First, Westpac Handycard) | Limited coverage | Medical emergencies under AUD 20,000, usually excludes baggage loss or trip cancellation | Travel insurance covers AUD 1,000,000+ medical, plus lost bags, cancellation, personal liability, and more. |
| Premium credit card (ANZ Platinum, Westpac Altitude Black, NAB Signature) | Limited coverage | Medical up to AUD 200,000, limited delays, loss, and theft, some exclusions | Travel insurance provides AUD 1,000,000+ medical, higher limits across baggage, more cancellation options, emergency evacuation, and broad support. |
Example
After a moped accident in Ibiza, Liam's broken leg required surgery costing AU$35,000. His CommBank travel insurance had an exclusion for mopeds, and his Australian health fund didn't cover overseas costs. Without specific travel insurance, he was left with the entire bill, a massive debt from a simple holiday ride.
Expert advice
Many bank card and health insurance policies exclude key situations, like trip interruption for a relative's illness. Always check the fine print to avoid costly surprises overseas. In any case, it's safer and more reassuring to take out dedicated travel insurance tailored to your specific trip.
FAQ
Do I need a visa to travel to Spain?
Australian citizens do not need a visa to visit Spain for tourism or business for up to 90 days within any 180-day period. Your passport must be valid for at least three months after you leave the Schengen area, and you may be asked to show proof of onward travel and accommodation.
How do I purchase travel insurance for Spain?
First, compare policies using a tool such as HelloSafe’s travel insurance comparison service, which allows you to review options for Spain. Second, check the details of the cover, exclusions, and special conditions relevant to Spain. Then, proceed to purchase your chosen policy online. Finally, you will receive your insurance certificate via email.
Can I buy travel insurance after booking my trip to Spain?
Yes, you can buy travel insurance at any time, even after booking your flights and accommodation. However, it is usually best to buy insurance as soon as your trip is confirmed. This maximises your coverage for trip cancellation or interruptions that could occur before you depart.
What should I check in a travel insurance policy for Spain?
Check the level of medical cover, emergency evacuation, liability cover, and personal belongings protection. Ensure the policy suits your planned activities and length of stay. Exclusions and your insurer’s claim process are also important to examine before making a decision.
How do I make a claim on my travel insurance in Spain?
If you experience a problem during your trip, contact your insurer as soon as possible. Keep all supporting documents such as medical reports, police statements, or purchase receipts. Complete the insurer’s online claim form and submit the required paperwork to speed up the assessment process.
Does travel insurance for Spain cover strikes or civil unrest?
Many travel insurance policies include cancellation or delay cover if your transport is disrupted by strikes or civil unrest. Read your policy wording closely, as cover may have some conditions and exclusions, particularly regarding pre-existing events or official warnings at the time of booking.
Do I need a visa to travel to Spain?
Australian citizens do not need a visa to visit Spain for tourism or business for up to 90 days within any 180-day period. Your passport must be valid for at least three months after you leave the Schengen area, and you may be asked to show proof of onward travel and accommodation.
How do I purchase travel insurance for Spain?
First, compare policies using a tool such as HelloSafe’s travel insurance comparison service, which allows you to review options for Spain. Second, check the details of the cover, exclusions, and special conditions relevant to Spain. Then, proceed to purchase your chosen policy online. Finally, you will receive your insurance certificate via email.
Can I buy travel insurance after booking my trip to Spain?
Yes, you can buy travel insurance at any time, even after booking your flights and accommodation. However, it is usually best to buy insurance as soon as your trip is confirmed. This maximises your coverage for trip cancellation or interruptions that could occur before you depart.
What should I check in a travel insurance policy for Spain?
Check the level of medical cover, emergency evacuation, liability cover, and personal belongings protection. Ensure the policy suits your planned activities and length of stay. Exclusions and your insurer’s claim process are also important to examine before making a decision.
How do I make a claim on my travel insurance in Spain?
If you experience a problem during your trip, contact your insurer as soon as possible. Keep all supporting documents such as medical reports, police statements, or purchase receipts. Complete the insurer’s online claim form and submit the required paperwork to speed up the assessment process.
Does travel insurance for Spain cover strikes or civil unrest?
Many travel insurance policies include cancellation or delay cover if your transport is disrupted by strikes or civil unrest. Read your policy wording closely, as cover may have some conditions and exclusions, particularly regarding pre-existing events or official warnings at the time of booking.
