Travel insurance for Spain from USA

Travel Insurance from USA to Spain

Why Do I Need Travel Insurance for Spain?

Traveling to Spain is exciting, but unexpected events can happen anytime — from sudden illness to accidents or trip disruptions. Medical costs in Spain can be very expensive, visitors to Spain may also be required to pay for their medical services upfront.

• Meet Schengen visa insurance requirements if needed.
• Cover any emergency or urgent medical expenses, hospital stays, or evacuation costs.
• Protect your trip investment from cancellations or delays.
• Get support 24/7 for medical or travel emergencies.

Even if you are only travelling for a short period of time or are a citizen of a visa exempt country, travel insurance provides you with peace of mind while travelling.

What Are The Types of Travel Insurance Plans for Spain?

Choosing the right travel insurance depends on your trip type, medical needs, and travel style. Below is a breakdown of common plan types you may consider when traveling from the USA to Spain:

👉 Tip : Choose coverage based on your age, health, trip duration, activities and visa needs.

What U.S. Travelers Should Check Before Buying Spain Travel Insurance?

When choosing travel medical insurance for Spain, U.S. travelers often overlook important coverage details. The most essential factors you should consider when purchasing travel medical insurance for Spain are:

Although the minimum Schengen requirement is €30,000, most U.S. travelers would like to have additional security by purchasing plans with increased coverage limits. Selecting a plan with sufficient coverage can protect against unexpected medical expenses.

Many travelers underestimate the importance of personal property coverage. A travel insurance policy usually has maximum payouts for laptops, cameras, sports equipment, and other valuables. It is important to understand how much coverage you are purchasing for your items when selecting a travel insurance policy.

Travel insurance must be active during your entire travel period in Spain. Any gaps in coverage could result in denied claims, so ensure your policy covers your full travel period.

Who Needs To Apply For Spain Schengen Visa?

Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Spain for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for Spain Schengen Visa. This visa allows travel to Spain and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

How To Apply For A Spain Schengen Visa?

To apply for a Schengen Visa to Spain, follow these steps:

• Choose the correct visa based on your travel purpose (tourism, business, etc.)
• Fill out the Schengen visa application form.
• Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
• Book an appointment with the Spain consulate or visa center.
• Submit your application, biometric data, and documents at the consulate.
• Pay the visa application fee.
• Processing usually takes around 15 days.
• Pick up your approved visa from the consulate.

What Are the Spain Entry Requirements for U.S. Citizens?

U.S. citizens with valid passports can enter Spain visa-free for short stays of up to 90 days within any 180-day period for tourism, business, or family visits under the Schengen Agreement. Your passport must be:

• Valid for at least three months beyond your intended departure date from the Schengen Area.
• Issued within the last 10 years.

⚠️ Note : If your passport does not meet these requirements, airlines may refuse boarding at your departure airport or during a transfer.

• Starting in 2026, U.S. citizens traveling to Spain or any Schengen country will need to obtain ETIAS (European Travel Information and Authorization System) before boarding their flight.
• ETIAS is not a visa, but an electronic travel authorization similar to the U.S. ESTA, required for short stays of up to 90 days. Applications are completed online and are valid for multiple entries over three years or until the passport expires.
• Along with ETIAS, it is important for U.S. travelers to have travel insurance for Spain, as Medicare and most U.S. health insurance plans do not provide coverage abroad.

What Are The Spain Travel Insurance Requirements?

If you need a Spain visa, you must have travel insurance that complies with Spain Visa Travel Insurance Requirements.

• Minimum coverage of at least €30,000 in medical expenses (around US $30,950 as of December 2025).
• Validity across all Schengen Area member states.
• Coverage for medical repatriation and emergency medical care.
• The policy must be valid for the entire duration of your stay.
• Policy must have a $0 deductible with 100% coverage.

Tip : Ensure your policy certificate clearly states Schengen compliance. Spanish consulates may reject generic or incomplete insurance documents.

Even if US citizens do not require a visa for short stays, Spain travel health insurance is strongly recommended. Unexpected medical costs in Spain can easily exceed $10,000 for emergency room visits or hospitalization.

• Americans planning to stay in Spain for more than 90 days within a 180-day period are required to apply for a long-stay (Type D) visa.
• Those who are applying for student, work, retirement, or digital nomad visas often face specific insurance requirements. In such cases, long-term or expat health insurance is recommended to ensure visa compliance and continuous medical coverage.
• Learn more about Europe long-stay visa insurance requirements for US citizens.
• American Visitor Insurance offers the best Europe long stay visa insurance for Americans, allowing travelers to compare benefits and coverage options from top-rated US insurance providers.

Which Is the Cheapest Travel Insurance With Trip Cancellation Coverage for Spain?

Which Is the Best Travel Insurance With Trip Cancellation Coverage for Spain?

Which Is Cheapest Travel Health Insurance for Spain from USA?

* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.

Which Is Best Travel Medical Insurance for Spain from USA?

* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.

Healthcare and Medical Costs in Spain

Do I Need American Traveler Insurance With Trip Cancellation Coverage?

US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs.

Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

1. Non refundable cost of the trip.
2. Unexpected medical expenses of the traveler.
3. Loss or damage to the insured’s possessions.

International Travel Health Insurance From USA

American Travel Insurance Plans and Coverage Options

What Does Trip Cancellation Insurance Cover?

At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to consider purchasing an insurance plan to cover trip cancellation.

• Provides a refund for non-reimbursable deposits and trip costs if something prevents taking the trip between payment and departure.
• Cost of such insurance depends more on the trip cost than the length of the trip (most have maximum day limits).
• Plans available for high-cost trips (exceeding $10,000 per person, e.g., safaris, long cruises) and modestly priced trips.
• Benefits usually cover 100% of non-refundable trip costs.
  • Often reduced to 75% for the ‘Cancel for Any Reason’ benefit.
• Coverage during the trip includes:
  • Unexpected medical expenses
  • Trip interruption (if unable to complete trip due to illness, weather, etc.)
  • Trip delay (missed flights or connections, help to catch cruise if necessary)
  • Baggage loss
• Assistance for pets or children traveling with you.

When Can I Buy the Trip Cancellation Plan?

• You can buy the trip cancellation plan at any time before your travel dates.
• Since you are insuring the value of your trip, it is better to purchase as soon as possible in case something happens that interferes with your travel.
• Example: If you’ve planned a trip for next October and later find out you must be in court at that time — if you haven’t already purchased your trip cancellation plan, you will not be able to get a refund because you already know about the conflict.
• You always get a 10-day ‘free look’ period after purchasing your plan, when you buy through American Visitor Insurance.
• This allows you to review the policy and make sure it’s the product you really want, and American Visitor Insurance provides support during this period to help you understand your benefits and make any changes if needed.

Does Trip Insurance Cover Pre-Existing Conditions?

Many travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit.

However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment.

This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment.This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.

While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise — from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.

Which is the Best Trip Cancellation Insurance for U.S. Seniors?

For senior travelers, iTravelInsured Choice Insurance from IMG is a top option. Designed for trips under $10,000 per person, it offers:

• Trip cancellation & interruption for pre-paid, non-refundable expenses
• Medical coverage up to $100,000 and emergency medical evacuation up to $500,000
• Add-ons: Cancel for Any Reason (CFAR), enhanced medical coverage, cruise protection, and sports coverage
• Pre-existing condition waiver if purchased within 21 days of the initial trip deposit

For trips over $10,000 or those seeking higher limits, iTravelInsured Travel SE and LX plans are recommended:

• iTravelInsured Travel SE: Trip costs up to $150,000, medical coverage up to $250,000
• iTravelInsured Travel LX: Trip costs up to $150,000, medical coverage up to $500,000

Both include trip cancellation, interruption, evacuation, and optional add-ons similar to Choice

For detailed guidance on choosing the right plan, check out our page on best trip cancellation insurance for seniors.

How Much Does Spain Travel Insurance from USA Cost?

Trip Cancellation Insurance

This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.

Travel Medical Insurance for US Citizens Traveling Outside USA

Average one-month travel health insurance costs by age are shown in the table below.

How Much Does Travel Insurance Cost for a Week? How Much Does Travel Insurance Cost for 2 Weeks?

Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks.

You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.

How Much Does Travel Insurance Cost for 6 Months?

For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.

How to Estimate Trip Cost for Travel Insurance?

Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss.

How to Reduce the Trip Cancellation Insurance Cost?

• Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers.
• Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars.
• It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss.
• Some Cancel for Any Reason (CFAR) travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs.
• The more expensive your trip, the higher the insurance cost.
• Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.

What Factors Affect the Travel Insurance Cost from the US to Spain?

There are several key factors that determine the cost of Spain travel medical insurance from the USA:

Do Green Card Holders Need Travel Insurance For Spain Visa?

• If you are a non-U.S. citizen or a U.S. Green card holder traveling to Spain, you may need an Greek visa that satisfies Spain travel insurance requirements which are the Schengen visa requirements, depending on your nationality. Do check the specific requirements based on your citizenship.
• Travelers from the USA visiting Spain will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days.
• When applying for a visa to Spain (or any other Schengen Area country), travel insurance is a mandatory requirement. The purpose of this travel insurance for the Spain visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Spain.
• The policy must cover emergency medical expenses of at least €30,000 (around US $ 50,000). It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed.
• The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Spain until you leave. American Visitor Insurance offers international travel insurance that meets the Spain travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an Greek visa.
• You can call us at (877)-340-7910 if you need any help to buy travel insurance for Spain which satisfies visa requirements.

Is A Spain Visa Needed For US Green Card Holders?

• US Green Card holders will need an Spain visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Travel insurance for Spain visa for Green Card Holders is required while applying for an Spain visa.
• Green card holders travel insurance requirements for Spain include medical expenses of at least €30,000. On American Visitor Insurance, US Green Card Holders can buy international health insurance Spain to satisfy Schengen visa requirements for their visa application.

Are You Planning To Work As A Digital Nomad In Spain?

Living and working in Spain, far away from the familiar surroundings of home is both exciting and challenging! It is however very important that you have proper Digital Nomad health insurance to secure you in the event of any adverse medical condition. Compare and buy the best Digital Nomad Insurance for Spain on American Visitor Insurance that meets visa requirements and keeps you safe while working away from home.

General Information About Spain

What Are The Popular Tourist Destination Cities In Spain?

Barcelona

Bilbao

Madrid

Seville

Malaga

Valencia

What Are the Travel Tips for Spain?

Spain, a vibrant blend of history, culture, and sunshine, is known for its stunning architecture, world-famous cuisine, and lively festivals. From bustling cities like Madrid and Barcelona to charming coastal towns and scenic countryside, it offers something for every traveler:

• Get Travel Insurance : Spain has excellent healthcare, but tourists must pay full costs without insurance, so choose a policy covering medical emergencies, hospital care, cancellations, and theft.
• Check Entry Requirements : U.S., UK, Canadian, and Australian citizens can stay up to 90 days visa-free in Spain (Schengen Area), but from 2026 will need an ETIAS travel authorization; ensure your passport is valid for at least three months beyond your stay (six is recommended).
• Book Early in Peak Season : Summer (June–September) is busy, so book in advance; for fewer crowds and milder weather, visit in spring or fall.
• Use Euros (€) : Spain uses the Euro; credit and debit cards are widely accepted, but carry some cash for small shops and cafes and avoid paying in U.S. dollars when offered dynamic currency conversion.
• Health & Safety : For emergencies, call ☎️112 (all) or 061 (health); pharmacies marked with a green cross can help with minor issues. Stay hydrated and use sunscreen as summers reach 40°C (104°F), and be cautious of pickpockets in crowded tourist areas.

Best Travel Health Insurance in Spain for US Students

For U.S. students studying in Spain, some of the best international student health insurance options are:

• GeoBlue Navigator for Student, offering comprehensive coverage for Preventative Care, Outpatient Medical Care, and access to a global network of doctors and offers unlimited annual maximum.
• StudentSecure from WorldTrips providing varying levels of coverage with benefits like medical expenses, maternity, pre-existing conditions, emergency evacuation, and mental health coverage.
• IMG Patriot Exchange offers coverage for hospitalization, doctor visits, emergency medical evacuation, pre-existing conditions, prescription drugs, and more, ensuring that US students have access to necessary medical care while away from home.

The cost for the Spanish health insurance for US students varies depending on the age of the student and the duration of coverage required. The older the student the higher will be the cost. The longer the duration of Spain student health insurance required, the higher will be the cost. It's important to compare US student health insurance for Spain based on coverage needs, budget, duration of stay, and university requirements, ensuring to read the policy details carefully.

Schengen Travel Insurance vs Long-Term Visa Health Insurance for Spain

• Schengen Travel Insurance : Covers short-term trips (up to 90 days) with minimum medical coverage of €30,000, medical evacuation, and repatriation. Designed for visa-exempt travelers or those applying for short-term Schengen visas.
• Long-Term Visa Health Insurance : Required for stays exceeding 90 days. Policies must meet strict Spanish visa requirements, often including :
  • No copays for covered services.
  • No waiting periods for medical coverage.
  • Full hospital coverage for illnesses or accidents.

Many generic travel insurance pages overlook this distinction. Choosing the correct long-stay insurance ensures compliance with Spanish visa rules and provides comprehensive protection throughout your extended stay.

Annual Multi-Trip Travel Insurance for Spain from USA

• Ideal for frequent travelers such as business professionals or digital nomads making multiple international trips per year.
• The Annual multi-trip insurance for travelling to Spain provides coverage for unlimited trips within a 12-month period, with each trip usually lasting 30-90 days.
• Offers significant savings compared to purchasing separate insurance for each trip.
• Ensures continuous coverage throughout the year without needing to buy a new policy for every trip.
• Particularly useful and cost-effective for business travelers.
• Requires the traveler to have primary health insurance in their home country.

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

Travel Insurance for US Seniors With Medicare Coverage

• US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
• There is a travel health insurance plan specifically designed for older American travelers.
• Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.

The GlobeHopper Senior plan is available either as

• Provides $1 million coverage up to the age of 79 years
• Provides $100,000 coverage for travelers 80 years and older
• Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
• Includes $25,000 coverage for emergency medical evacuation

How Do I Get Travel Insurance for Spain from USA?

Getting travel insurance for Spain online is fast, easy, and secure. Follow these steps:

Travel Insurance to Spain From USA - FAQs

Group Travel Insurance for Spain

What Is The Best Medical Evacuation Travel Insurance For Spain?