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Travel insurance for Spain: Compare cheap holiday insurance quotes

Around 18 million British tourists visit Spain each year, making it one of our favourite holiday destinations. But while Spain is only a short distance from the UK, there are still a host of things that could ruin your trip, from lost luggage to delayed flights to the need to curtail your holiday due illness. That’s why it might be a wise idea to sort out travel insurance for Spain before you set off.

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Do I need travel insurance for Spain?

Travel insurance isn’t something you need by law, no matter where you’re going, but it is strongly recommended.

Policies can insure you against a wide range of potential issues, from lost luggage to cancelled flights to medical emergencies.

What should travel insurance to Spain include?

Good travel insurance should cover you for a number of things, including:

• Medical treatment – this is a vital part of your policy and will pay for any care you need. Insurance is invaluable even if you have a European Health Insurance Card (EHIC). Spain has both a public and private healthcare system so while free treatment is available, if you need private care it can be costly.
• Repatriation – covers the cost of getting you back to the UK in a medical emergency.
• Cancellation or curtailment – provides you with compensation if your holiday is cut short or if you have to cancel through no fault of your own.
• Missed or delayed departure – covers any expenses you face if your flight is delayed or if you’ve missed it due to circumstances out of your control.
• Lost or damaged luggage – pays to replace any accidently lost, stolen, damaged or destroyed luggage.
• Personal liability – covers legal fees and any compensation you owe if you have an accident and someone blames you for injury or damage to their property.

What other features should I think about when I buy travel insurance for UK to Spain?

It’s important that your policy covers you for the things you take with you to Spain and the activities you plan to do while you’re there. Standard holiday insurance is unlikely to cover you for anything a travel insurance company would class as ‘risky’, so if you’re planning to climb the Spanish Pyrenees or go water-skiing in Andalucía it’s important that you add appropriate cover for these activities to your Spanish travel insurance policy.

Popular additions include:

• Extreme sports cover – insures you to take part in ‘risky’ sports such as kayaking, paragliding or jet-skiing. Policies typically cover damaged or stolen equipment as well.
• Winter sports cover – if you’re skiing in Spain this covers you for injuries as well as damage or theft of equipment.
• Gadget cover – insures pricey devices you take with you on your Spanish holiday, such as smartphones, tablets and laptops. It’s sometimes included in your home contents insurance so double check before you end up buying cover you already have.

Do I need annual or single-trip travel insurance for Spain?

Annual policies cover you for a 12-month period which begins on your policy start date. If you’re lucky enough to go away two or three times a year then annual insurance (or multi-trip cover, as it’s also known) is likely to give you better value in the long run.

If you only go on holiday once a year then a single-trip travel insurance policy will be enough to cover you for that trip.

How long can I be on holiday for?

Travel insurance companies set a limit on how long your holiday can last (or at least how much of that trip will be covered), and this limit applies to each holiday whether you choose an annual or single-trip policy.

In most cases, you can only be away for a maximum of 31 days before your coverage runs out, although this does vary slightly by insurer.

If you’re staying in Spain for more than 31 days, or are planning to travel across Europe, think about a backpacker travel insurance policy instead. These are aimed at anyone travelling non-stop for at least a year.

How much cover do I need for travel insurance to Spain?

The amount of cover you need depends on several factors, for instance:

• The cost of your holiday – your insurance should cover the full cost of your holiday at the very least. This ensures a greater chance of full compensation if your holiday is cancelled.
• The value of your belongings – don’t underestimate the cost of your luggage or gadgets. Always make sure your policy covers the cost of replacing your valuables.

There are also a few factors that are likely to increase your premium even if your level of cover remains the same:

• The activities you’ll be doing – if you’re taking part in anything that’s seen as higher risk you should expect to pay a bit more for your policy because of the increased chance of injury.
• How long you go away for – the longer your holiday, the higher your premium is likely to be.

How much is cheap travel insurance to Spain?

Travel insurance should reflect your holiday and as no two holidays are likely to be the same, gauging an average cost can be tricky.

It’s important to make sure the policy you choose is tailored to your individual needs, even if it means paying a little bit more.

For example, some standard insurance policies won’t cover anyone with a pre-existing medical condition (such as diabetes or high blood pressure). As tempting as it might be to not tell your insurer about a medical condition in this instance, you could invalidate your cover if you don’t.

How do I compare cheap holiday insurance to Spain?

If you’re on a tight budget finding the cover you need at a price you can afford can feel like a battle, but that’s where we can help.

At Quotezone.co.uk we can help you compare travel insurance quotes from dozens of different insurance providers, making it more likely you’ll find a suitable travel insurance policy for your Spanish holiday at a price that won’t break the bank.