Insurance for travelling to Spain: who needs it, how to apply and where to find it?

Taking out travel insurance for a trip to Spain is an important step that ensures safety during your stay abroad. Whether you're going on holiday or planning to work or live in Spain for a long time, choosing the right policy will help you avoid unexpected expenses and ensure access to medical care in any situation. Find out when and who needs it

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

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Spain is one of the most popular destinations in Europe for tourists, students and those looking for work abroad. However, before travelling, it is important to understand insurance issues, which may vary depending on the purpose of the visit. We'll explain who needs what kind of insurance, how to get it, and where to find suitable offers below.

Who needs insurance for a trip to Spain?

Spain is a Schengen country, which imposes certain entry requirements, one of which is the need to have an insurance policy. Depending on whether you are travelling to Spain to have a holiday, work or live, the type and scope of coverage may differ.

Insurance for tourists

For short-term trips on a tourist visa or visa-free regime, you need health insurance. This is a mandatory requirement for obtaining a visa to Schengen countries, including Spain.

It is important that the policy should cover at least €30,000 for medical services for the entire period of stay in the country and cover all Schengen countries.

Insurance for work in Spain

If you are travelling to Spain to work, short-term work visas (e.g. seasonal work) also require health insurance. In addition, your employer may provide compulsory insurance, but it is recommended to have a policy with broader coverage, including services such as emergency medical care and repatriation to your home country.

For long-term work (more than 90 days) or when applying for a residence permit, you may be asked to provide more comprehensive health insurance. Employees in Spain have access to the public healthcare system through social security contributions, but you can also take out a private policy for extended coverage.

Insurance for expats

Retirees and people planning a long-term stay in Spain need health insurance that should cover a full range of services. Most often, these are private insurances that provide access to high-quality medical care. This is especially important for those who will not use the public healthcare system.

Do Ukrainians need insurance?

Ukrainians moving to Spain under the temporary protection programme are not required to have insurance to enter the country. However, this document is desirable.

Of course, refugees who arrive in Spain receive medical care under temporary protection, which will give you the opportunity to visit doctors for free. However, the first time you arrive, in particular when applying for documents and health insurance, it is better to be sure that in case of an emergency or illness, you will be able to receive guaranteed assistance in a language you understand.

Also, given the high cost of medical services in Spain, an insurance policy can save you a lot of money in case of illness. Therefore, we recommend that you purchase a travel insurance policy before travelling.

What types of insurance may be required in Spain?

The insurance requirements may vary for each category of traveller, but the main types of insurance cover

Health insurance. This is a mandatory type of insurance for all categories of travellers. It covers the cost of treatment in case of illness or accident, including inpatient and outpatient treatment, emergency surgery, transportation and repatriation.

Accident insurance. Accident insurance is especially relevant for those planning an active holiday or sports activities. It covers compensation in case of injury or disability.

Public liability insurance. For those who are going to work in Spain, in some cases, you may need public liability insurance, which covers damages caused to third parties through your fault.

Insurance policy for transport. If you are travelling by car, you will definitely need a Green Card. In the absence of this document, tourists may not be allowed into this country.

We talked about compulsory car insurance in Spain earlier.

Why is it profitable to take out a policy from Ukrainian insurers?

There are a number of advantages to taking out a health or travel insurance policy from Ukrainian insurers:

1. Ukrainian insurance companies offer a wide range of insurance products that can be easily arranged online.

2. Ukrainian insurers have a good understanding of the needs of Ukrainian citizens and offer policies that take into account the specifics of travel and medical risks.

3. The cost of insurance policies from Ukrainian insurers is often more affordable than that of foreign companies.

4. Taking out a policy with a Ukrainian insurance company contributes to the development of the national insurance market and supports the country's economy.

5. Ukrainian insurers have experience in settling insurance claims with Ukrainian citizens, which can simplify the process of receiving insurance payments.

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Insurance prices for Ukrainians

Medical insurance

Travel insurance

Insurance prices for Ukrainians

Visit Ukraine offers a wide range of insurance policies - choose the one that suits you!

How to buy insurance on the Visit Ukraine portal?

To apply for an insurance policy on the Visit Ukraine portal, you need a foreign passport and an identification number (TIN):

1. Prepare your passport and TIN;

2. Select an insurance package (that meets your needs).

3. Select the period of insurance validity

4. Enter your date of birth.

5. Fill in the form with the data of the insured person (full name, e-mail, contact phone number, passport details, citizenship and place of residence).

6. Sign the insurance contract (a special code will be sent to the specified e-mail).

7. Pay for the insurance policy.

The finished policy will be sent to the specified e-mail. You do not need to print it out, because the electronic version has the same legal force as the paper one.

Benefits of insurance on the Visit Ukraine portal

What are the benefits of a health insurance policy on Visit Ukraine?

A basic medical policy will cover the following risks:

- medical consultation and diagnosis

- treatment;

- emergency medical care, including hospitalisation;

- reimbursement for medicines prescribed by a doctor;

- transport costs for evacuation to the nearest medical facility;

- emergency dental care.

Get medical care in your native language - travel with confidence with Visit Ukraine!

What are the benefits of a travel insurance policy on Visit Ukraine?

A travel insurance policy provides coverage for the following risks

- medical expenses (inpatient or outpatient care);

- dental care in case of emergency;

- evacuation and transport;

- repatriation of the body or burial;

- Flight cancellation or delay;

- loss of baggage due to the fault of the carrier;

- legal advice;

- protection in case of an accident.

Protect yourself from accidents abroad - take out a travel insurance policy on the Visit Ukraine portal!