Travel Insurance for Spain

Know more About Travel Insurance

The second most popular country in terms of international tourist arrivals, the Kingdom of Spain,  more commonly known as Spain, is the largest country in Southern Europe and is one of the most populous countries in Europe. Renowned for its vibrant history, stunning landscapes, and rich culture, Spain is one of the most sought-after destinations for tourists worldwide, attracting millions of visitors each year to experience the country. 

If you're planning a trip to Spain, consider the following key factors. While Spain is a dream destination for many travellers and travelling enthusiasts, it is essential to secure that trip with the right travel insurance for that duration. Here is all you need to know about obtaining insurance for Spain travel.

Travel Insurance for Spain From India

When planning a trip outside India, it is essential to know that most domestic health insurance policies do not offer coverage for medical expenses incurred outside India, and not just that, as the number of travellers increases every year, there is also a growing number of risks the travellers are exposed to from hospitalisation due to pre-existing conditions, flight delays and cancellations to loss of checked-in baggage, personal accidents, missed connecting flights and dozens of others.

This is where specialised travel insurance for Spain offers the ultimate confidence and peace of mind to travellers planning a trip to Spain, as well as other European countries that are part of the Schengen Area due to the visa requirements of the Schengen Visa for Indians. When seeking travel insurance in Spain, it is essential to consider several key factors to obtain the best coverage that offers the most value tailored to your specific needs.

Why do you need Spain travel insurance?

As a traveller, the first thing to know before choosing travel insurance for Spain is why you must invest in travel insurance in the first place. While millions of outbound travellers from India are impacted, only a few are affected, but why is travel insurance so essential? 

Here is a list of some of the key reasons why you need travel insurance:

1. Spain travel insurance is a mandatory requirement for a Schengen visa, without which you will be unable to enter the country.

2. Foreign travel is expensive, and bearing the financial implications of certain risks can result in significant financial loss. 

3. Going outside the norm of daily routine can expose the traveller to increased risk.

4. Although Spain is relatively safe, it is recommended that you opt for travel health insurance Spain from a reliable provider that covers numerous medical risks, such as medical emergencies, medical evacuations, personal accidents, and repatriation of mortal remains, when visiting the country. 

Explore the Key Benefits Offered by Travel Insurance for Spain

Many Indians dream of visiting Spain for a vacation. Still, while there are numerous benefits to travelling and exploring the world, certain risks are associated with travelling abroad. With travel insurance, you can travel anywhere in the world with confidence and peace of mind. 

Here is a list of some of the key benefits offered as part of Niva Bupa’s Spain travel insurance:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their Spain trip with Spain travel insurance.

• Coverage of up to $500,000 under Spain travel insurance.

• Niva Bupa provides 24/7 assistance to travellers with travel insurance Spain in any emergency.

• The policy covers policyholders for expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and other related costs.

• Students with student travel insurance for Spain are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions, and cancellations, as well as personal liability.

What is covered under the Spain Travel Insurance?

Here are some of the key coverages offered by Niva Bupa to secure travellers from both medical and non-medical risks:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalisation): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death.

In addition to this, travellers can also find extra coverage if they opt for student travel insurance. This insurance offers several student-specific benefits, including sponsor protection, study interruption coverage, and comprehensive pre-existing disease coverage, in addition to the benefits mentioned above.

What is not covered under the Spain Travel Insurance plan?

As a traveller looking to secure their trip with insurance, it is essential to be aware of the various exclusions or items which are not covered as part of the policy. This helps make an informed decision and avoid undertaking risks that can result in rejection or denial of claims, leading to financial loss. 

Here is a summary of the exclusions listed by Niva Bupa for convenience:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or is on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages due to adventure sports are not covered unless part of the coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not associated with or incidental to the current diagnosis and treatment.

Please note that this list is just an excerpt from the policy document. Reading and assessing the exclusions when purchasing a policy is crucial to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for Spain?

Any traveller looking to visit Spain will need to buy travel insurance to secure their trip for financial protection and as a mandatory requirement from EU authorities to be eligible for a visa. This is why it is imperative to look for a Spain travel insurance policy that not only offers coverage but also fulfils the requirements of the EU and is recognised by them. 

These requirements include at least £30,000 of medical coverage, including medical evacuation and repatriation. This is why every traveller looking to visit Spain and apply for a Schengen visa must get travel insurance to secure their trip.

What are the requirements for qualifying for travel health insurance in Spain?

Before purchasing an insurance policy, it is crucial to assess the eligibility criteria to avoid any last-minute hassles. As travellers are not required to get any pre-policy medical check-ups, it may be essential to check these requirements before applying for the policy:

• Adults should be between the ages of 18 and 70.

• Dependent children can be from 1 day old to the age of 25.

• Travellers must possess and furnish the mandatory documents, including copies of passports, visas, proof of income, and other relevant papers.

How to buy Travel Insurance Spain Online?

Once you know that you are eligible for the policy, you can visit the Niva Bupa website to explore the various policies, coverages, and prices before choosing to buy one of the best travel insurance Spain. 

By following the given directions, it is possible to explore these options and make an informed decision when purchasing Spain travel insurance from Niva Bupa:

1. Start by adding your mobile number.

2. Choose Single-Trip or Student Travel Insurance, then pick your destination(s), including Spain.

3. Enter your travel start and end dates (double-check for date changes due to time zone shifts when travelling abroad).

4. Provide the age of all travellers- travelling with two or more people earns you a 10% discount.

5. Select your sum insured (between $50K–$500K) and coverage level: Lite, Basic, Comprehensive, or Honeymooners.

6. Click “View Summary” to check all details- including plan type, sum insured, dates, destination, and traveller count.

7. Fill in KYC information, confirm policy details, and consent to Niva Bupa Health Insurance downloading your KYC.

8. Add any personal and medical details as prompted.

9. Complete the purchase, and your policy document will arrive by email.

When to buy Spain travel insurance?

It is recommended that travellers purchase travel insurance for Spain before applying for a Schengen Visa, as it is a mandatory requirement and must be included in the visa application form. After purchasing flight tickets and booking accommodation in Spain, the next step is to obtain travel insurance for Spain before applying for the Schengen visa. 

Factors Affecting the Premium Of Travel Insurance Spain

When purchasing a travel insurance policy, the premium costs depend on several factors, including the age of the traveller and the insurer offering the policy. Here is a list of some key factors that influence the premium charged for Spain travel insurance:

• Traveller's age 

• Travel destination 

• Trip duration

• The comprehensiveness of the plan opted for 

• Type of travel, such as single trip, student, domestic, or international.

• Number of travellers

• The insurer offering the policy

By considering the above factors and determining the necessary versus the good-to-have options, you can obtain more affordable coverage for your Spain travel insurance.

What You Need to Know About Filing a Claim for Travel Insurance in Spain?

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process:

1. To file a Spain travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can submit a claim for travel insurance online, by mail, or in person. You can do so both while overseas and when you return to India.

4. You must submit a duly completed claim form along with the required documents, depending on the type of claim, such as loss of baggage, trip cancellation, medical emergency, or death.

Additionally, one can make two types of claims in the event of a medical emergency. 

Cashless claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer initiates the claim to Europ Assistance via a toll-free number or email. 

• The TPA- Europ Assistance will contact the customer and provide them with the required Spain travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval, rejection, query, or investigation.

• Our medical team will approve the claim by email.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ Assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europe Assistance for settlement with the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form

2. KYC

3. Cancelled cheque of the proposer

4. Discharge summary 

5. Final bill along with break-up

6. Payment receipt

7. All investigation reports 

Mandatory Documents Required for Reimbursement Claims

1. Claim form

2. KYC

3. Cancelled cheque of the proposer

4. Discharge summary 

5. Final bill along with a break-up

6. Payment receipt

7. All investigation reports

Spain Visa Details and Entry Information

Spain is part of the Schengen area, along with 28 other European countries. All travellers planning to visit Spain must obtain a Schengen visa from an authorised visa authority in the Schengen country, where they will spend most of their time.

A Schengen visa is a short-term entry permit for non-EU nationals, allowing them to visit one or more of the 28 Schengen member states for up to 90 days within 180 days. While primarily used for tourist visas, various types of visas are granted to visitors depending on their purpose of visit.

• Type A – transit visa for airport transit

• Type B – transit visa valid for 5 days

• Type C – visa for a short stay in any of the Schengen Area countries. The duration of the allowed visit is indicated on the visa. Depending on the purpose of the travel, this visa may be:

• Single entry. Only one entry is allowed in any of the countries within the Schengen Area. After leaving the Schengen Area, re-entry is not permitted, even if the visa remains valid.

• Double entry. This visa entitles the holder to two entries into the Schengen Area, and its validity is indicated on the visa. After the second exit from the Schengen Area, re-entry is not permitted, even if the visa remains valid.

• Multiple entry. This visa does not restrict the number of entries into the Schengen Area. However, its validity is limited to 90 days within a six-month period. The day of the first entry into the Schengen Area is considered the first day of visa validity. In cases of shorter stays and re-entries into the Schengen Area, the total number of days of stay is summed up until a maximum of 90 days is reached.

• Limited territorial validity visa: The holder of this type of visa may travel only to the specific Schengen Area country or countries indicated when applying for the visa. This type of visa is issued in exceptional cases, such as for humanitarian purposes.

• Type D – This is a national visa issued in exceptional cases for study, stay or work in a Schengen Area country. This visa may be:

   

• A single-entry visa – for the persons who do not need to stay in the Schengen country after a specific period or

• A multiple-entry visa which allows the holder to make repeated re-entries into the Schengen country that issued the visa. This type of visa is granted in the following cases:

• For studying for a duration of up to one year, with the possibility of extension;

• For pedagogical work or research, as well as for the closest family members;

• To experts travelling to engage in professional activity;

• In emergency cases, such as medical conditions, which are limited to a specific period of time.

Navigating the Spain Visa Application Process with Ease

Navigating the Spain visa application process from India can be a smooth experience with careful preparation and attention to detail. Here's a comprehensive guide:

Determine the Correct Visa Type:

• Schengen Short-Stay Visa (Type C): This visa is for stays of up to 90 days within 180 days for tourism, business, or family visits.

• Long-Stay Visa (Type D): For stays exceeding 90 days for purposes like work, study, or residency.

• Transit Visa (Type A): This visa is for travellers whose layovers require them to remain in the international transit area of a Spanish airport. 

Gather the Required Documents:

Commonly required documents for most visa types include a visa application form:

• Valid passport

• Passport-sized photos

• Travel itinerary

• Proof of financial means 

• Travel medical insurance

• Proof of accommodation 

• A cover letter. 

Depending on your specific visa type and circumstances, additional documents may be required, such as an invitation letter for business or family visits or proof of acceptance and enrollment for students.

Complete the Visa Application Form:

Download the appropriate form from the official website and fill it out accurately. 

Schedule an Appointment:

Book an appointment at the nearest Spanish Consulate, Embassy, or authorised visa application centre. 

Submit Your Application:

Attend your appointment with all necessary documents, submit your completed application, provide any required biometric data, and pay the applicable fee.

Wait for Processing:

Processing typically takes 15 to 30 days. You can track your application status online. 

Collect Your Visa:

You will be notified when your passport and documents are ready for collection. 

By following these steps, you can easily navigate the Spain visa application process from India. 

What are the travel documents required to travel from India to Spain?

Here's a breakdown of the key travel documents required for Indian citizens:

1. Passport with a validity of at least three months beyond your intended departure from the Schengen area with at least two blank pages. 

2. Schengen Visa

3.  A filled and signed Schengen Visa application form

4. Two passport-sized photographs

5. Travel itinerary including a detailed plan outlining your activities and accommodation in Spain, along with confirmed round-trip flight bookings. 

7. Financial documents demonstrating sufficient financial means to cover your expenses during your stay in Spain, such as bank statements (stamped by the bank and showing sufficient balance), income tax returns (ITR), or proof of other financial resources.

8. Travel insurance covering medical emergencies and repatriation, with a minimum coverage of €30,000, valid for the entire duration of your stay and throughout the Schengen area.

Which is the Best time to visit Spain?

The best time to visit Spain depends on what you want to experience during your trip. Spain offers a diverse range of experiences throughout the year, from cultural festivals to outdoor adventures and relaxing beach vacations. 

Shoulder Seasons, or travel periods between peak and off-peak seasons, offer a balance of good weather, fewer crowds, and lower prices compared to peak seasons. These shoulder seasons include Spring (March to May) and Autumn (September to October). The weather during this period is generally mild and pleasant, making it ideal for outdoor activities and sightseeing. Temperatures range from 15°C to 25°C, making it perfect for exploring cities, visiting cultural landmarks, hiking, and enjoying outdoor dining.

Peak Season is typically during the Summer season, ranging from June to August. During the summer months, Spain experiences its warmest weather, with temperatures in some areas exceeding 35°C. This is also the peak tourist season, resulting in crowded attractions and higher prices for travel and accommodations. Summer is ideal for beach activities and experiencing major festivals, such as La Tomatina and the Running of the Bulls. 

The off-season for visiting Spain is Winter, ranging from November to February. This season brings cooler temperatures, especially inland, though coastal regions remain milder. It is also the least crowded season, offering lower prices for flights and lodging. Winter is ideal for indoor activities, such as visiting museums, enjoying Christmas markets, and participating in winter sports in mountainous areas. 

What are Some Popular Tourist Places in Spain?

As one of the most popular destinations for travellers, Spain is home to numerous popular tourist places to check out when visiting the country. Here is a list of some of the key tourist places to visit in Spain:

1. Barcelona is renowned for its distinctive blend of Gothic and contemporary architecture, as well as its vibrant street life. 

2. Madrid, as the capital, is a bustling metropolis with a rich cultural and artistic heritage. Visit the world-renowned Prado Museum and the Royal Palace of Madrid. Explore the lively neighbourhoods and enjoy the fantastic nightlife.

3. Seville, the capital of Andalusia, is renowned for its stunning Moorish architecture, vibrant flamenco culture, and lively festivals.

4. Granada is renowned for the magnificent Alhambra, a UNESCO World Heritage site that showcases intricate Islamic architecture and serene gardens.

5. Valencia is a city that blends history and modernity, known for its futuristic City of Arts and Sciences.

6. Ibiza is famous for its vibrant nightlife; this Mediterranean island also offers stunning beaches, serene landscapes, and UNESCO-listed sites.

What are Some Fascinating Facts About Spain?

Spain is a captivating country with a rich history and vibrant culture, offering visitors a multitude of fascinating facts to discover. Here are some of the most intriguing:

1. Traditionally, many businesses and shops in smaller towns observe a midday break for rest and lunch, known as siesta, often from 2 pm to 5 pm. While this practice is less common in larger cities today, it still reflects a value placed on a balanced lifestyle.

2. Spaniards celebrate the New Year by eating 12 grapes at the stroke of midnight, one for each chime of the clock. This tradition is believed to bring good luck for the coming year.

3. Flamenco is a passionate art form originating in Andalusia. It is a combination of singing, guitar playing, and dance deeply rooted in Spanish culture.

4. Tapas, small plates of food, are a cornerstone of Spanish cuisine and social life. They offer a fun way to sample a variety of dishes. In some areas, especially Granada, tapas are even served free with drinks.

5. La Tomatina is a unique festival in Buñol, Valencia, where participants throw tomatoes at each other in a lively food fight.

6. In Spanish culture, it is common to have two surnames, one inherited from the father and one from the mother.

7. The Tower of Hercules in A Coruña, built by the Romans in the 1st century AD, is the oldest functioning lighthouse in the world.

8. Spain boasts numerous UNESCO World Heritage sites, showcasing its rich cultural and historical heritage.

9. The Tabernas Desert in Almería is the only true desert in Europe. It is renowned for its arid beauty and is a filming location for Westerns.

10. Spain's national anthem, "La Marcha Real," is one of the few national anthems in the world without official lyrics.

Safety & Useful Tips for Spain Visit

• Always keep your passport safe and secure in a location such as the hotel’s lockers.

• Make sure to have a copy of the passport at all times for identification

• Don’t engage in any verbal or physical fight with a local citizen

• Do not take part in any unlawful activities

• Do not visit any isolated locations alone

• Keep a note of your belongings to avoid losing them