Your trip to Spain doesn’t require travel insurance, but it’ll give you peace of mind that you’re covered whatever activities are on your agenda.
Your policy should cover travel to Europe, your planned activities, plus unexpected or expensive situations, for example:
To be covered in Spain, the Canary Islands or the Balearic Islands you only need European travel insurance, not worldwide cover.
If you buy an annual European policy, you’re covered for visits inside the EU, including the UK, for 12 months after you buy the policy.
If you’ve planned more trips this year outside of Europe, a worldwide annual policy covers every trip.
Unless you’re travelling solo, you may be able to get cheaper cover with couples’ travel insurance or a family policy.
If you’re bringing smartphones, cameras, tablets and laptops, check your travel insurance covers them. If not, consider separate gadget insurance with European cover.
Despite sitting just off the coast of Morocco, Lanzarote and the Canary Islands are part of Spain. If you buy a European travel insurance policy, you’re still fully covered.
Ibiza and the Balearic Islands are also included under European travel insurance.
Spain has both public and private healthcare systems.
British citizens holding a valid European Health Insurance Card (EHIC) can access state-subsidised healthcare at Spain’s hospitals. You can apply for an EHIC using the NHS website.
You may still need travel insurance to help cover healthcare costs. There are private doctors and hospitals also providing care for a fee - you may be taken to a private facility by ambulance in an emergency, where your EHIC won't cover you.
Medical repatriation to the UK also isn’t covered by an EHIC but it’s covered by your travel insurance under medical expenses.
If your flight is delayed you may be entitled to compensation from your travel provider under EU rules, but you must have evidence of loss.
If you arrive at your destination later than planned because public transport is delayed, you can usually claim on your travel insurance for a predetermined amount listed in your policy. It's there to help you pay for food and phone calls while you wait for another connection. If there’s a long delay, at least 12 hours, you may also claim for a proportion of accommodation costs and additional travel expenses.
If travel disruption cover is included in your policy, the costs related to delays and cancellation are more likely to be covered but it’s not a standard feature of every policy. If you want that cover, check policy docs when you're comparing to make sure it's a feature.
Holiday curtailment cover reimburses the cost of unused accommodation and flights if you fall ill while abroad, a family member falls ill in the UK or there’s an emergency that means you have to return home early. It’s not standard in every policy.
Whether you’re taking your own car or hiring one, you must be insured to drive in Spain. Your UK car insurance should cover you, but it'll usually only be third party cover. Find out more about car insurance for driving in Europe.
Some activities are covered by a standard insurance policy, but there are often exclusions for more hairy activities. You'll need to upgrade your cover for things like surfing, scuba diving, jet skiing, white water rafting, banana boating, quad biking, horse-riding or even renting scooters or mopeds.
Check your policy to make sure you’re covered.