Digital Nomad Health Insurance for Spain
🌍 Why Is Spain a Popular Destination for Digital Nomads?
Spain is one of the most attractive destinations for digital nomads, thanks to its Mediterranean lifestyle, sunny climate, affordable cost of living, and strong digital infrastructure. With high-speed internet, modern coworking spaces, and vibrant cities like Barcelona, Madrid, and Valencia, Spain offers the perfect environment for remote workers to live, work, and explore.
The recent introduction of the Spain Digital Nomad Visa has further boosted its popularity, making it easier for remote professionals to live legally in Spain while working for overseas employers or clients. Whether you're drawn to its cultural richness, coastal charm, or urban energy, Spain offers the ideal blend of productivity and relaxation.
If you're planning to move to Spain as a digital nomad, having the right digital nomad health insurance in Spain is essential. Travel medical insurance for Spain ensures you're covered for medical emergencies, routine care, trip disruptions, and more. Compare top-rated Spain travel insurance plans for digital nomads to find the best coverage tailored to your lifestyle abroad.
🏥 Why Do Digital Nomads Need Health Insurance in Spain?
Health insurance is a crucial requirement for digital nomads living and working in Spain. Whether you're applying for the Spain Digital Nomad Visa or already living there, having valid private health insurance ensures you are covered for medical care during your stay.
Key reasons why Digital Nomads need health insurance in Spain:
- Visa requirement: To qualify for the Spain Digital Nomad Visa, you must show proof of private health insurance that offers full coverage in Spain and no co-payments.
- Access to quality medical care: While Spain has a top-rated healthcare system, non-residents aren’t eligible for free public care unless they contribute to social security. Health insurance lets you access private hospitals and English-speaking doctors.
- Avoid expensive medical bills: Without coverage, you may face high out-of-pocket costs for emergency care, hospitalization, or surgeries.
- International protection: Many digital nomad insurance plans also cover travel disruptions, medical evacuation, routine checkups, and coverage outside Spain for short trips within the EU or globally.
- Coverage for dependents: If you're moving with your family, insurance helps cover spouses and children for both emergencies and routine health needs.
⭐ What Is the Best Digital Nomad Insurance for Spain?
travel_luggage_and_bags Best travel medical insurance plans for Digital Nomads for Spain
Atlas Nomads Insurance
For the modern digital nomad who defines their own workspace, Atlas Nomads Insurance is the ultimate health coverage solution. It offers exceptional global medical coverage, giving you the freedom to explore and work from anywhere, with the crucial flexibility to include or exclude the United States based on your travel needs. Experience unparalleled convenience with monthly or annual payment options, perfectly aligning with your long-term, location-independent lifestyle. This plan provides comprehensive protection and peace of mind, ensuring your health is covered wherever your adventures take you.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International Insurance
Designed for the dynamic life of remote workers, Atlas International Insurance offers highly flexible and reliable health coverage as you live and work across the globe. Whether you're moving between continents or spending extended periods in one location, Atlas provides essential medical protection. Available for both U.S. and non-U.S. citizens traveling outside their home country, it lets you choose your coverage duration from 5 days up to 364 days, and customize benefits to perfectly suit your nomadic journey. Stay covered, stay free, and focus on what truly matters – your work and your adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite Insurance
Embrace the freedom of remote work abroad with Patriot International Lite, the ideal travel medical insurance solution for Digital Nomads. This plan provides crucial international medical coverage, allowing you to focus on your work and explorations without worrying about unexpected healthcare costs. With highly flexible policy durations from just 5 days up to 364 days initially, renewable for a total of 24 months it adapts to your ever-changing itinerary. Available to U.S. and non-U.S. citizens, Patriot International Lite offers customizable benefits to align with your unique travel and health needs, giving you a reliable safety net no matter where your digital nomadic journey leads.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum Insurance
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Spain
IMG Global Medical Insurance
For the truly global professional, IMG Global Medical Insurance is the gold standard in long-term international health coverage. Designed for Digital Nomads, it provides robust, comprehensive worldwide protection, offering the ultimate flexibility to live, work, or travel across borders, with the crucial option to include or exclude coverage in the U.S. based on your evolving needs. Beyond emergency care, you can enhance your plan with vital benefits like preventive care and maternity coverage, ensuring a holistic approach to your health no matter where your journey takes you. Embrace boundless opportunities with the confidence of superior medical support.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Geoblue Xplorer Insurance
For U.S. citizens and permanent residents embracing the digital nomad lifestyle, GeoBlue Xplorer stands as a superior long-term global health insurance solution. It delivers comprehensive worldwide coverage that empowers you to live, work, and travel across diverse countries with absolute confidence. GeoBlue Xplorer is ideal for planning to live or travel outside the United States for at least 3 months per year.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Urgent Care facility: Included.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Telemedicine: Unlimited telemedicine services.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💰 What Is The Cheapest Digital Nomad Insurance For Spain?
The cheapest digital nomad insurance plans for Spain include Atlas International from WorldTrips, Patriot International Lite from IMG, and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
💶 How Much Does Digital Nomad Health Insurance Cost in Spain?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
| GeoBlue Xplorer Premier | $10,000,000 | $0 | $5,004 | $6,828 | $10,788 |
| GeoBlue Xplorer Essential | $10,000,000 | $0 | $6,156 | $3,096 | $5,016 |
#Based on ages of digital nomads.
📑 What Are the Requirements for the Spain Digital Nomad Visa?
To qualify for the Spain Digital Nomad Visa, remote workers and freelancers must meet specific criteria. Here are the general requirements:
- Proof of remote work: You must work for a company outside of Spain or have international clients if you’re self-employed.
- Minimum income: Show proof of sufficient income (typically around €2,300/month or more). This amount may vary if family members are joining you.
- Valid passport: A passport with at least one year of validity.
- Clean criminal record: Provide a criminal background check from your country of residence, issued within the last 90 days.
- Private health insurance: You must have comprehensive international or Spanish health insurance that covers you fully throughout your stay.
- Educational or work credentials: A university degree or a minimum of 3 years of professional experience in your field.
- Proof of employment or contract: If employed, submit a contract with your remote employer. Freelancers must show active contracts with foreign clients.
- No prior illegal residency in Spain: You must not have resided illegally in Spain before applying.
📦 What Does Digital Nomad Insurance Cover?
Digital nomad insurance offers essential protection while living and working abroad. These plans are designed to cover a wide range of travel and health-related risks across multiple countries
⏳ Long-Term Health Insurance for Digital Nomads Living in Spain
If you’re relocating to Spain for remote work or extended travel, having comprehensive international health insurance is essential. A reliable long-term global health insurance plan provides coverage for medical emergencies, routine doctor visits, hospitalization, travel-related disruptions, preventive care, maternity and much more. These long term Spain digital nomads insurance are perfect for digital nomads, freelancers, and remote workers who need flexible, worldwide medical coverage including protection while living and working in Spain. Whether you're based in Madrid, Barcelona, Valencia, or exploring the coasts, having the right digital nomad health insurance ensures peace of mind and access to quality care.
Get Quote line_end_arrow_notch❓ Travel Medical Insurance Spain Remote Work FAQ’s
1. Do you need health insurance for the Spain Digital Nomad visa?
Yes, you must have health insurance to apply for Spain’s digital nomad visa. The health insurance for digital nomads requirements must:
- Cover your full stay in Spain
- Work in all Schengen countries
- Include emergency medical care and hospitalization
- Cover at least €30,000
- Have no long waiting periods
This is required to make sure you’re protected and not using Spain’s public healthcare system.
2. Can I buy insurance after arriving in Spain?
No, you must buy health insurance before arriving in Spain if you're applying for a Digital Nomad Visa. Spanish visa authorities require proof of valid health insurance coverage when you submit your visa application — so it must be purchased in advance. However, if you're already in Spain on a different visa or staying temporarily, you can buy international health insurance to cover your stay moving forward.
3. Can I use travel insurance for a digital nomad visa in Spain?
Yes. To apply for Spain’s digital nomad visa, you must provide proof of private health insurance with coverage in Spain. Many international travel medical insurance plans meet this requirement, especially those with comprehensive benefits and no waiting period.
4. How long should my insurance coverage last?
It depends on your visa duration. Most digital nomad visas in Spain require insurance coverage for the entire duration of your stay, typically at least one year. You can choose renewable or annual plans that suit long-term stays.
5. Is digital nomad insurance expensive?
Not necessarily. The cost of digital nomad insurance varies depending on several factors, such as your age, the duration of your coverage, and whether your plan includes coverage in the U.S. or not. It also depends on the coverage limits you choose and the deductible amount.
