Insurance for those Traveling to Spain

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Spain is one of the largest countries in the European Union. It borders France, Portugal, Andorra, Morocco, the Mediterranean Sea, and the Atlantic Ocean. Spain is famous for its beaches, nightlife, special cuisine, and friendly attitude of locals. The country’s great cultural and geographical diversity allows everyone to find activities to their liking: from a quiet beach holiday to extreme hikes in the mountains.

For fans of art and history, Spain offers a huge number of interesting excursions. Spain is second only to China and Italy in terms of the number of UNESCO World Heritage Sites. Travel to Catalonia, Mallorca, Barcelona, and other cities is very popular with tourists from all over the world. When planning a trip, don’t forget to buy insurance in Spain. It will protect you from unplanned medical expenses in a foreign country.

Do you need insurance in Spain?

Health insurance is needed by the tourist not only to comply with formalities. The policy is your guarantee of receiving urgent medical care abroad. In an extreme situation, you will not be left alone with the problem. You will be given full counseling support to the assisting company, and the costs incurred will be compensated under the insurance contract. Considering the European prices for medical services for foreign nationals, the cost of insurance for a Spanish visa is repeatedly paid off even in a single insurance case.

Policy requirements

Insurance for a Schengen visa must be valid in all countries participating in the agreement and cover the trip’s entire period. The minimum amount of insurance coverage is 30,000 euros. The policy must cover emergency medical and transport costs.

What risks will the insurance cover?

By international requirements, the standard filling of health insurance for travel to Spain covers the following risks:

  • Outpatient and inpatient treatment in case of a threat to life;
  • Transportation to the clinic for emergency indications;
  • Emergency dentistry;
  • Early return of the tourist to the place of permanent residence for health reasons;
  • Repatriation of the remains in tragic circumstances.

The full list of standard risks is listed in the contract and the VDW Insurance Regulations.

Additional options

Basic insurance for a visa to Spain can be extended to additional risks by the trip’s terms and purposes.

Sports and outdoor activities. The option entitles you to compensation for medical expenses associated with the treatment of sports injuries. If you plan to engage in cycling, rent a yacht, dive, and other extreme recreational types, be sure to include this risk in the insurance contract. Please note that you can add specific sports to your policy in Spain.

Cancellation of the trip. The option would compensate for the cost of non-refundable tickets and vouchers if the holiday had to be canceled or postponed for reasons beyond the tourist’s control.

Loss of luggage. The option allows you to expect to receive a payment if things are delayed or lost on the way due to the fault of the carrier. Extended insurance will help to compensate for the losses incurred.

Civil liability. The option ensures the financial responsibility of the tourist to third parties. During the holiday, the traveler is in an unusual environment, so there is always a risk of inadvertently harming strangers’ health or property. Insurance with the option “Civil Responsibility” provides compensation to the victims by court order at the insurance company’s expense.

Those who go abroad can also take out accident insurance, take advantage of our offer to protect property (apartments) and other profitable programs. A detailed description of each risk on the list of insurance cases is read in the Insurance Regulations, and the contract.

What are the dangers for tourists in Spain?

The country is considered one of the safest for tourists in Europe. Spain’s climate is close to the southern regions of the US, so problems with acclimatization are rare. The main complaints addressed to doctors are acute bronchitis, sinusitis caused by severe hypothermia, sunburn, and heat strokes. During your holiday, follow the rules of safe behavior on the beach:

  • Don’t stay in the open sun for long.
  • Try to relax in the shade during the hottest hours;
  • Drink more clean water.

It is also worth remembering the dangers of food poisoning. Mediterranean cuisine is simple and easy for the stomach but contains seafood that is not always well digested. What native Spaniards love is not always good for a resident of the United States. Try not to overeat and dine only in cafes and restaurants that are trustworthy.

One of the main dangers for tourists in Spain is the so-called Portuguese man-o’-war. It is a marine animal of the class of invertebrates, in appearance similar to a jellyfish. Its touch causes pain, like from a bee sting. If you accidentally touch the tentacles of a Portuguese man-o’-war, do not try to wash off the poison or treat the burn by improvised means. In severe pain, you need the help of a doctor.

How much insurance costs in Spain?

The cost of the policy is calculated individually. It depends on the following factors.

  • Type of insurance. You can apply for a one-time or multiple policies.
  • The age of the tourist. The price of the policy per child, adult, and older adult will be different.
  • Risky filing. Additional options increase the cost of insurance. But co-payments are insignificant compared to possible insurance costs.
  • The amount of coverage. The minimum value of 30,000 euros is the limit within which payments under the contract are made. The tourist pays the bills on top of the set amount on his own. A limit of 30,000 U.S. can be enough for a short rest. If you are traveling with children, going abroad on a long-term trip, or planning to spend time in Spanish resorts, it is recommended that you increase your coverage to 50,000 or 100,000 U.S.

What to do when an insurance case occurs?

When an insurance case occurs, you must follow an algorithm of actions:

  • Contact the service center by phone.
  • Give the operator the contract number, your name, as well as explain the essence of the incident as accurately and succinctly as possible;
  • Strictly act on the instructions of the specialist. If the case is insurance, the service center operator will send you to the nearest medical institution, where the terms of the contract will assist you.

If due to circumstances, you are unable to contact a specialist and have to pay for the services of doctors yourself, it is necessary within 30 days to provide the office of the insurance company with supporting documents and a written application. Losses will be compensated under the contract.

How to buy insurance in Spain?

You can apply for insurance to travel to Spain online on the Religance Central website. Take a few simple steps:

  • Choose the type of policy and specify the dates of the trip, including the day of entry and exit from the country;
  • Enter the dates of birth of all the tourists you will insure. Up to 4 people can be included in one contract. If the group is larger, draw up a second policy;
  • Include sports and outdoor activities;
  • Click “Calculate the cost,” and the calculator will automatically determine the amount of basic insurance;
  • Choose additional options or one of the insurance programs you’re offered.
  • Please include contact details.
  • Pay for the policy in one of the proposed ways.
  • Get the document in an email.

The insurance can be printed on a printer and attached to the visa application. We also recommend keeping insurance electronically on your computer or phone so that if you do not have access to the “Personal Office” on the site, always have a duplicate at hand.

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