Travel insurance Spain

There’s no Reciprocal Health Care Agreement in place between Australia and Spain, so it’s important to make sure your travel insurance covers overseas medical expenses too.

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    The right travel insurance for Spain should cover you for medical expenses overseas, trip cancellation costs, lost and stolen luggage, misplaced passports and unforeseen travel delays as well as for the specific travel concerns of Spain.

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    Five Spanish travel concerns that make travel insurance essential

    • Crime. Reports say that while Spain has one of the lowest crime rates in Europe, petty street crime is still a problem. It's important to be aware of pickpocketers and thieves in busy public spaces or popular tourist hotspots and also be on the lookout for credit card skimming and cloning devices.
    • Terrorism. According to Smartraveller the national terrorism alert for Spain is high. While this isn't unusual for a country of this size in Europe, it's important to stay aware of possible threats and take official warnings seriously. Travel insurance typically won't provide cover for claims that directly result from acts of terror, but, it will usually protect you from cancellation or amendment costs brought about by a terror threat.[/fin_must_read]
    • Demonstrations and strikes. Reports state that demonstrations and strikes take place regularly, especially in Barcelona and the Catalan region. These protests can cause disruptions to traffic and public transport, leading to delays and cancellations, and in some cases can turn violent.
    • Credit card and ATM fraud. Credit card and ATM fraud are on the rise in Spain and often involve the use of sophisticated electronic equipment. As a result, travellers are <ahref="https://www.smartraveller.gov.au/destinations/europe/spain" target="_blank" rel="nofollow noopener noreferrer">advised to use the ATMs provided in bank lobbies for extra security

    sail-spain5 extreme activities that you should consider adding as extras in Spain

    While some travellers would be happy spending their Spanish holiday relaxing on the beach, others prefer to experience things at a much faster pace.

    Here's a few activities you might need to add onto your travel insurance policy for Spain:

    • Mountain biking. The Andalucian Mediterranean mountains offers a scenic and tranquil journey through various heights and terrains
    • Canyoning. Andalucia is home to some of Europe's best canyons and rivers. Some companies offer exploration packages through the canyons which features abseiling, climbing and swimming
    • Trekking. Spain is home to some stunning trekking adventures, particularly in territories like the Costa del Sol's mountain ranges
    • Sailing. There's no better way to enjoy the majestic Mediterranean Sea than by sailboat, departing from the Port of Marbella
    • Quad biking. The El Chorro region of Spain is home to rugged countryside terrain and offers a quad biking challenge for all levels of experience

    Always check with your policy

    Depending on the activities you are participating in you may need to purchase a additional sports pack for your policy. For example, Columbus Direct Travel Insurance automatically covers no-contact boxing training, kayaking, bungee jumping and more. However, if you want to go abseiling, deep sea fishing or white water rafting, you’ll need to pay an extra premium and purchase a Sports/Leisure Activities Pack with your policy.


    Does travel insurance cover 'The Running of the Bulls'?

    The iconic running of the bulls at Pamplona attracts thousands of adventure seekers to Spain each year. It’s also a recipe for disaster, and there are regular reports of tourists being severely injured in the annual event, including an Australian man who was gored twice in 2015.

    As the event is so dangerous, it’s highly unlikely that you’ll be able to find an insurer willing to cover you for participation in this event. Some companies, such as Travel Insurance Direct, will specifically exclude it from cover, so expect to pay for cover your own medical expenses if you’re injured during the running of the bulls.


    If I'm involved in a medical emergency in Spain, how am I covered?

    Make sure you have travel insurance

    While UK and European residents with European Health Insurance Cards can access free or reduced-cost medical care, Australian travellers will need to ensure that they have travel insurance that covers overseas medical expenses (Australia has no reciprocal health care agreement with Spain). If anything goes wrong on your trip, from a visit to a GP through to emergency evacuation and repatriation, you’ll be covered with travel insurance.

    Your insurer can help you to find treatment

    If you require medical care while you're in Spain, your travel insurer may be able to provide a list of recommended doctors in your area. You may also be able to find an English-speaking doctor by asking for help at your hotel or using the Yellow Pages. In an emergency situation, you travel insurer's medical team can often assist you by guaranteeing payment to the hospital and direct you to the closest hospital.

    Hold onto all documents

    Hopefully your holiday plans run to perfection and nothing goes wrong, but if you do need to make a claim you’ll need to notify your insurer as soon as possible. You may need to fill out a claim form and provide full details of the incident that led to your claim, while you will also be asked to supply evidence or documentation to support your claim. This may include police reports, receipts and evaluations. If your claim relates to an incident of theft, make sure you report that theft to the local authorities as soon as possible and get a written copy of that report.


    Who do I contact in an emergency?

    While you can call the European emergency number of 112 if you ever need help in Spain, there are other local numbers you can call:

    Emergency services

    062 - guardia civil

    091 - police

    061 - health emergencies

    080 - fire fighters

    092 - local police

    Contact your insurer and home

    Consider whether you should contact friends, family, your credit card provider or your travel insurance company. Most travel insurers have 24-hour emergency numbers that can be helpful when you need help finding accommodation, a doctor, or in a range of other situations.

    Australian Embassies and Consulates in Spain


    Travel insurance traps you must avoid in Spain

    There are some instances where most travel insurance providers will not pay out. These include:

    • Leaving belongings and valuable items unattended. For example, tourists have been known to be victims of theft in cities like Madrid and Barcelona
    • Losses that occur from being under the influence of drugs or alcohol e.g. hurting yourself partying in Ibiza.
    • Taking part in adventure activities not covered by your travel insurance policy e.g. quad biking in El Chorro.
    • You visit a region in Spain where the Australian Government has issued a travel advisory warning.
    • Claims that arise from breaking the law e.g. driving without a license.

    5 steps to selecting travel insurance for Spain

    When it comes to choosing travel insurance for Spain, ask yourself the following five questions first:

    • Where are you going? Understand where in Spain you will be visiting e.g. there may be a higher chance of travel disruptions in Madrid and Barcelona
    • How long are you going for?This will help you decide if you need to take out extended cover.
    • What will you do there? Look for a policy with cover for adventure sports if you plan on quad biking through the Spanish countryside
    • Are you taking valuable items? Consider extra cover for expensive cameras, laptops and other electronics
    • Do you have any medical conditions? Declare your pre-existing medical conditions to your insurer; you may have to pay a little more for your premium.

    Got yourself covered? Time to have some fun.

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    Picture: Les Haines, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
    Picture: Francesco Crippa, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)

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