I used their annual travel insurance for six trips last year. The quote was quick, documents arrived instantly and I always had someone in English to speak to.
From Spain to anywherePre-existing covered (Prestige)Pet add-ons available
Travel insurance from Spain for expats
Travel insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market. Four plans covering everything from short Iberian breaks to round-the-world trips and cruises. Trip cancellation, repatriation, pre-existing condition cover (Prestige only) and cruise-specific options. Single-trip and annual plans, English-speaking support.
From From €25 /tripTypical starting price for a short Iberian trip. Annual multi-trip from €150/year. Final price depends on destination, duration, age and tier. Same-day quote.
4.8/5
15,000+ expats insuredEN • ES • DE • FI • SVFrom
From €25/trip
Typical starting price for a short Iberian trip. Annual multi-trip from €150/year. Final price depends on destination, duration, age and tier. Same-day quote.
Licensed Agent
DGSFP #C0031B93323293
Travel insurance at a glance
Who it's for
Spanish residents — families, frequent travellers, cruise passengers, pet owners and travellers with managed pre-existing conditions.
Instant cover
Quick quote with no medical questionnaire on most tiers. Cover starts from the date you choose, often the next day.
Region-tiered medical
From €5k Spain (Vacacional) to €650k worldwide (Prestige). Pick by destination — Iberia, Europe, US/Canada/Asia or cruise.
Five languages
Advice and support in English, Spanish, German, Finnish and Swedish. Policy documents in English and Spanish.
Compare travel insurance plans
Choose between single-trip, annual multi-trip and premium options based on how often you travel and where you go.
Tier 01
Vacacional (Budget)
From €25/trip
- Medical: €5k Spain / €50k Europe / €50k worldwide
- Repatriation — unlimited
- Baggage — €1,000
- Civil liability — €30,000
- Unused vacation — €750
- Legal defence — up to €3,000
- Trip cancellation (optional add-on €1,500)
- Search and rescue
- Pre-existing condition deterioration
Best for
Short trips in Spain and Portugal · Budget-conscious European holidays · One-off short breaks
Not recommended for
Travel outside Europe · Travellers with pre-existing conditions · Trips where cancellation cover is critical
Most Popular
Tier 02
Integral (Comprehensive)
From €150/year
- Medical: €10k Spain / €75k Europe / €200k worldwide
- Repatriation — unlimited
- Search and rescue — €6,000
- Overbooking compensation — €200
- Baggage — €1,500
- Civil liability — €30,000
- Unused vacation — €2,500
- Legal defence — up to €3,000
- Trip cancellation (optional add-on €1,500)
- Pre-existing condition deterioration
Best for
European trips of weeks-long duration · Longer trips needing higher medical limits · Travellers wanting search and rescue cover
Not recommended for
US, Canada or Asia trips (consider Prestige) · Travellers with pre-existing conditions
Tier 03
Prestige (Premium worldwide)
From €300/year
- Medical: €25k Spain / €350k Europe / €650k worldwide
- Pre-existing condition deterioration — €15,000
- Trip cancellation — €6,000 (INCLUDED)
- Repatriation — unlimited (incl. chartered medical flights)
- Search and rescue — €6,000
- Baggage — €2,000
- Civil liability — €60,000
- Unused vacation — €3,500
- Legal defence — up to €3,000
Best for
Trips to US, Canada or Asia · Travellers with managed pre-existing conditions · Premium prepaid trips where cancellation matters · Frequent annual travellers
Not recommended for
Short Iberian breaks where Vacacional suffices · Cruise holidays (use Cruise instead)
Tier 04
Cruise (Cruise-specific)
From €60/trip
- Onboard medical — €10,000 separate limit
- Medical: €10k Spain / €200k Europe & worldwide
- Repatriation — unlimited (including international waters)
- Companion repatriation — unlimited (max 2)
- Trip cancellation — €3,000 (INCLUDED)
- Baggage — €1,500 + €300 essentials (cruise custody covered)
- Hotel extension — €120/day x 10 days
- Civil liability — €30,000
- Pre & post-cruise land cover
- Pre-existing condition deterioration
Best for
Any cruise line (MSC, Royal Caribbean, Norwegian, Disney, Costa, Celebrity) · Cruise passengers regardless of destination · Travellers needing pre/post-cruise hotel cover
Not recommended for
Pure land trips (use Vacacional, Integral or Prestige)
What affects your travel insurance premium
Travel insurance premiums depend on the destination region, trip duration, traveller age and tier you choose. Request a quote and we'll match the right Caser plan to your trip.
Price drivers
- Destination region: Spain/Portugal cheapest, Europe mid, US/Canada/Asia highest medical costs
- Trip duration: Longer trips cost more; annual multi-trip cheaper if you take 3+ trips a year
- Traveller age: Older travellers and seniors typically pay higher premiums
- Pre-existing conditions: Only Prestige covers deterioration (€15,000 limit). Disclosure at quote is essential
- Single vs annual multi-trip: Annual is much cheaper per trip for frequent travellers
- Add-ons: Trip cancellation (Vacacional/Integral), pet add-ons, adventure sports
Example profiles
Short Spain or Portugal trip: Vacacional — €5k Spain / €50k Europe medical, lowest premium
European trip, weeks-long duration: Integral — €200k worldwide medical, search & rescue €6k
US, Canada or Asia trip — or any pre-existing condition: Prestige — €650k worldwide, €15k pre-existing, cancellation €6k included
Cruise (any operator, any destination): Cruise — separate €10k onboard medical, baggage in cruise custody
Request a quote and we'll find the best option for your travel style.
Travel from Spain with confidence
Whether visiting family, exploring Europe or flying long-haul – we help you find the right travel insurance.
How to get travel insurance in Spain
We make it simple to find and purchase the right travel cover for expats living in Spain.
01
Quick quote
Tell us your destination, dates and traveller details. No medical questionnaire on most tiers — quote in minutes.
02
Select dates and destination
Pick the right plan for your region: Vacacional (Spain/Portugal), Integral (Europe), Prestige (worldwide) or Cruise.
03
Declare any pre-existing conditions
If you have managed conditions, declare them at quote. Prestige is the only tier that covers pre-existing condition deterioration (€15k).
04
Immediate cover
Pay online and receive your policy documents and emergency assistance numbers by email. Save them on your phone before you travel.
Requirements and documents
Getting travel insurance is straightforward — usually no medical questionnaire is required. Quote, pay and you're covered.
Checklist
- Names of all travellers
- Date of birth for each traveller
- Destinations (country or region)
- Trip dates (start and return)
- Declared pre-existing conditions (essential — only Prestige covers deterioration)
- Pet details if adding pet emergency vet / repatriation
Need a Schengen visa certificate?
Many non-EU travellers need travel insurance with €30,000+ medical cover for Schengen visas. Vacacional, Integral and Prestige all qualify and we provide the certificate.
Annual multi-trip plans are often the best value for expats who travel 3+ times per year. You get continuous cover without having to arrange new policies for each trip.
Maya Kallio
Licensed Insurance Agent, DGSFP
Coverage overview
What's covered by travel insurance
Understand what's included, what you can add, and what's typically excluded from travel insurance policies in Spain.
Standard cover
Included
- Emergency medical expenses abroad (hospital, doctors, tests) — limit by tier and region
- Repatriation — unlimited on every tier (illness, accident or death)
- Legal defence abroad — up to €3,000 including airline claims
- Baggage loss, theft or damage up to the tier limit (€1,000–€2,000)
- Civil liability for damage to third parties (€30,000–€60,000)
- Companion accommodation during hospitalisation
- Medication delivery to your location
- 24/7 multilingual emergency assistance
Add to your policy
Optional
- Trip cancellation €1,500 — optional on Vacacional and Integral (standard €6,000 on Prestige, €3,000 on Cruise)
- Search and rescue €6,000 — included on Integral, Prestige and Cruise (not on Vacacional)
- Pre-existing condition deterioration €15,000 — Prestige only
- Onboard medical €10,000 — Cruise only, separate limit on top of land medical
- Pet emergency vet €1,000 — add-on on all four plans
- Pet repatriation €500 — add-on on all four plans
- Adventure and high-risk sports cover (skiing, diving, mountaineering) — add-on
- Annual multi-trip upgrade for frequent travellers (3+ trips/year)
Read carefully
Not covered
- Undeclared pre-existing medical conditions
- Pre-existing condition deterioration on Vacacional, Integral and Cruise (Prestige only)
- Medical costs above the tier's regional limit
- Travel against an official advisory or to high-risk warning destinations
- Adventure or high-risk sports without a specific add-on
- Itinerary changes initiated by the cruise line (Cruise tier)
- Cabin confinement / quarantine costs (Cruise — not specifically listed)
- Intentional self-harm, criminal activity, or claims linked to alcohol/drug abuse
Who can get travel insurance from Spain?
Spanish residents of any nationality can take out a Caser travel policy. Here are the common scenarios we cover.
Spanish residents travelling
Resident in Spain and travelling abroad — whether for holidays, family visits or business. All four Caser tiers are available. We pick the right one based on your destination and trip profile.
Read our annual travel guideFamilies
Family policies cover all members under one contract. Companion repatriation is included on Prestige and Cruise (max 2 companions). Add pet emergency vet (€1,000) and pet repatriation (€500) as add-ons on any tier.
Read our trip cancellation guideFrequent travellers (annual)
Take 3+ trips a year? An annual multi-trip policy is significantly cheaper than buying single-trip cover each time. Available on all four Caser tiers.
Read our annual travel guideCruise passengers
Going on a cruise — MSC, Royal Caribbean, Norwegian, Disney, Costa, Celebrity or any other line? The dedicated Cruise tier has separate €10k onboard medical, baggage in cruise custody and pre/post-cruise land cover.
Read our travel cancellation guideTravellers with pre-existing conditions
Have a managed condition (controlled asthma, well-controlled hypertension, etc.)? Prestige is the only Caser plan that covers pre-existing condition deterioration during the trip — up to €15,000. Disclose at quote.
Read our senior travel guidePet owners
Travelling with a pet? All four tiers offer optional pet emergency vet (€1,000) and pet repatriation upon death (€500) add-ons.
Read our adventure sports guideWhy choose us
Why choose us for travel insurance
We specialize in helping expats in Spain find the right travel insurance – with clear advice in English and honest recommendations.
i.
Licensed & regulated in Spain
Independent broker registered with the DGSFP. We work with licensed Spanish insurers under Spanish regulation, so your travel cover is compliant and transparent.
ii.
Independent multi-portfolio broker
We're not tied to one product line. We compare the four Caser travel tiers (and other providers where relevant) and recommend the genuinely right fit for your trip.
iii.
Only Prestige covers pre-existing
Most travel policies exclude flare-ups of conditions you had before the trip. We're upfront about this — and only recommend Prestige (€15k cover) when it actually matches your needs.
iv.
Five languages
Advice and support in English, Spanish, German, Finnish and Swedish. Talk to us however you're most comfortable.
v.
Instant cover and documents
Quote, purchase and receive your policy documents and emergency contact numbers within minutes — usually with no medical questionnaire.
vi.
Caser: 75+ years of trust
Caser, part of Grupo Helvetia, has been insuring travellers for over 75 years. We help you pick the right tier and stand by you when something goes wrong.
Excess (copay) on travel insurance
Standard on Caser travel — most medical and assistance claims have no copay
No excess on most claims
- Most medical, repatriation and assistance claims paid in full up to the tier limit
- No deductible on emergency medical when using the assistance network
- Direct payment to hospitals arranged via the 24/7 line
- Confirm specific copay rules at quote for your tier
Some categories have minimum thresholds or specific conditions
Limits and conditions apply
- Trip-cancellation cover is for covered causes only (not change-of-mind)
- Baggage claims usually need airline or police report
- Pre-existing condition cover (Prestige) capped at €15,000
- Adventure sports require specific add-on
Travel insurance typically has minimal or no excess on standard medical claims compared to private health insurance. We'll confirm any tier-specific copays at quote.
What to do in a travel emergency
01
Call the Caser 24/7 assistance line BEFORE seeking treatment abroad — they arrange direct payment with hospitals
02
Follow the assistance team's instructions for the nearest suitable facility
03
For repatriation, the assistance line organises chartered medical flights when needed (unlimited cover)
04
For lost or stolen baggage, file a report with the airline or local police immediately and keep a copy
05
Keep all receipts, invoices, medical reports and police reports
06
Take photos of any damage, accidents or incidents
07
Contact us afterwards for help with documentation and claim submission
Calling the assistance line first is critical — they can pre-authorise treatment, arrange direct payment to hospitals, and coordinate repatriation. Pay-and-claim later is possible but slower.
24/7 emergency assistance worldwide
When something goes wrong abroad, your insurer's assistance line is there to help – and so are we.
Coverage areas by tier
01 · Region
Spain & Portugal — Vacacional
Best fit for short Iberian trips. €5,000 medical in Spain, €50,000 elsewhere in Europe. Most economical tier.
02 · Region
Europe — Integral
Comprehensive European cover: €75,000 medical in Europe, €200,000 worldwide. Includes search & rescue (€6k) and overbooking (€200).
03 · Region
Worldwide — Prestige
For US, Canada, Asia and any trip with pre-existing conditions. €350k Europe / €650k worldwide medical, €15k pre-existing cover, €6k cancellation included.
04 · Region
Cruise — any operator
Works with MSC, Royal Caribbean, Norwegian, Disney, Costa, Celebrity and any other major cruise line. Separate €10k onboard medical, €200k land medical, baggage cover applies in cruise custody.
Coverage details and limits vary by tier. We'll confirm exactly what's included before you commit.
Don't rely on your European Health Insurance Card alone. It won't cover repatriation, private treatment, or trip cancellation – and definitely not outside Europe.
Marco Elsinger
Licensed Insurance Agent, DGSFP
Key Terms
Travel insurance terms in Spanish
Seguro de viaje
travel insurance
Cobertura médica
medical coverage
Repatriación
repatriation (return home)
Cancelación de viaje
trip cancellation
Equipaje
baggage/luggage
Asistencia 24 horas
24-hour assistance
Franquicia
excess/deductible
Prima
premium
Siniestro
claim/incident
Deportes de aventura
adventure sports
Evacuación médica
medical evacuation
Responsabilidad civil
third-party liability
Póliza anual
annual policy
Viaje único
single trip
Common questions
Frequently asked questions about travel insurance
Anything more specific — call or WhatsApp, we'll pick up.
Which travel insurance plan should I pick?
Spain or Portugal short trip → Vacacional. Europe trip up to a few weeks → Integral. US, Canada, Asia or any pre-existing conditions → Prestige. Going on a cruise → Cruise (regardless of destination — has cruise-specific cover land plans don't).
Are pre-existing conditions covered?
Only on Prestige (€15,000 limit). Vacacional and Integral exclude pre-existing condition deterioration. Always disclose at quote — even managed conditions like controlled asthma or well-controlled hypertension are typically excluded on the lower tiers.
Is trip cancellation included?
Standard on Prestige (€6,000) and Cruise (€3,000). Optional add-on (€1,500) on Vacacional and Integral. If trip cancellation matters for an expensive prepaid trip, Prestige usually pays for itself.
Can pets travel with me on the policy?
Yes — pet emergency vet (€1,000) and pet repatriation upon death (€500) are available as add-ons on all four plans.
Does it work for adventure sports?
Most adventure and high-risk sports (skiing, diving below recreational depths, mountaineering) need a specific sports add-on. Confirm at quote.
Single trip or annual multi-trip?
Both — single-trip per policy or annual multi-trip for frequent travellers. Annual is cheaper if you take 3+ trips a year and is available on all four Caser tiers.
Does it cover COVID-19?
Standard medical cover applies for COVID-related illness during the trip. Travel-restriction cancellations are not standard — confirm at quote what triggers your cancellation cover.
What about cruise itinerary changes?
The cruise line itself usually compensates for changes they initiate. Our Cruise insurance covers the medical, baggage and personal-trip risks but doesn't reimburse cruise-line-initiated itinerary changes.
Why is Prestige worth the higher price?
Going to the US, Canada or Asia where medical costs can quickly exceed €100k. Going on an expensive prepaid trip where €6k cancellation cover is critical. Travelling with managed chronic conditions (the only Caser plan that covers pre-existing deterioration). Frequent traveller with annual policy.
Is travel insurance mandatory for a Schengen visa?
For many non-EU nationals, yes. Schengen rules require travel medical insurance with at least €30,000 of medical cover and repatriation. Vacacional, Integral and Prestige all meet this threshold and we can provide the certificate.
What should I do in a medical emergency abroad?
Call the Caser 24/7 assistance line BEFORE seeking treatment. They can pre-authorise care and arrange direct payment with hospitals — far smoother than pay-and-claim. Repatriation, including chartered medical flights, is unlimited on every tier.
Does the cover work in international waters on a cruise?
Yes — the Cruise tier includes unlimited repatriation including from international waters, plus a separate €10k onboard medical limit on top of the €200k land medical. Worldwide cover applies regardless of cruise destination.
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Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 540+ reviews from expats across Spain
I had to cancel a long-planned trip because of illness. They explained the process clearly and my claim was settled within a couple of weeks.
Our luggage went missing on a connection. The assistance team guided us step by step and we were reimbursed for essentials and lost items.
Expert reviewed
Written and reviewed by licensed insurance agents.
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent · Since 2012
Marco Elsinger
Licensed Insurance Agent · 10+ years
Languages: English, Finnish, Spanish, German, Swedish · DGSFP License: C0031B93323293
