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The grand terracotta and tiled facade of Plaza de España in Seville, featuring an ornate tower, arched colonnade, and a decorative bridge over its canal.

Travel Insurance for Spain, Fully Covered with LUMA

LUMA travel insurance helps you stay covered in Spain, from Barcelona pickpockets to Andalusia's summer heat.
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Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Switzerland.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Spain calling? We go above and beyond to make sure your trip stays golden.
  • A stone archway frames a distant view of Plaza de España's central tower and plaza in Seville, with people walking below.
    A mosaic salamander fountain sits at the base of Park Güell's grand staircase, with visitors and columned terrace above.
    A close-up of an ornate tiled bell tower with a Spanish flag flying against a bright blue sky.

    01 Bag snatched in Barcelona or Madrid?

    Spain's most visited cities have well-organised pickpocket networks that target tourists in busy metro stations, crowded tourist sites, and café terraces. Losing a phone or bag mid-trip is more than an inconvenience. LUMA plans with baggage cover can help with eligible loss or theft, so you're not carrying the full replacement cost yourself.

  • Seville's illuminated tower reflects in a moat lined with docked rowboats at dusk.
    The richly painted facade of Casa de la Panadería with twin spires rises above Plaza Mayor's arcaded ground floor.
    A bird flies above the tiled dome and spire of a Baroque cathedral tower, framed by evergreen trees.

    02 Heat exhaustion on a summer day in Andalusia?

    Temperatures in southern Spain regularly exceed 40°C in summer, and a long day at sites like the Alhambra or Seville's cathedral in peak heat makes dehydration and exhaustion easy to underestimate. Medipro can advise you on whether your symptoms need a doctor, and your LUMA policy covers the eligible treatment costs if you do.

  • Palm fronds frame the stone facade of a cathedral with a rose window and twin bell towers.
    The Gothic spires and ornate entrance of Barcelona Cathedral glow at sunset, with people gathered in the square below.
    A white awning shades a café entrance beneath a tiled roof, framed by potted plants and red bougainvillea

    03 Road accident while driving in Spain?

    Unfamiliar roads, roundabouts, and busy coastal routes catch foreign drivers off guard, and Spain recorded over 1,100 road deaths in 2025. A collision can mean an ambulance, an emergency room, and specialist care. LUMA covers the eligible medical costs from a road accident under your plan, and if the nearest facility isn't equipped, helps arrange transfer to one that is.

  • A narrow whitewashed alley lined with wrought-iron balconies and palm trees in a Spanish coastal village.
    A woman in a hat walks through a stone archway in a narrow alley toward an outdoor café.
    A rocky island rises from the sea beyond terracotta rooftops

    04 Unwell between cities or on the coast?

    Long days in the heat, unfamiliar food, and a packed itinerary can wear you down faster than expected. A sudden fever or infection mid-trip can mean a clinic visit, and Spanish hospital treatment can be expensive without insurance. LUMA covers the eligible medical expenses under your plan, and Medipro can help you decide whether your symptoms need a doctor.

  • A Gothic church tower rises behind autumn trees and outdoor cafés in a sunlit town square.
    Visitors walk through a horseshoe-arched Moorish gate at the Alhambra, shaded by a large tree.
    Rows of yachts and motorboats moored at a marina in front of a hillside of white Mediterranean-style buildings.

    05 Seafood not sitting right after a night out in Valencia?

    The pintxos bars of San Sebastián and Valencia's paella scene are worth the trip alone, but shellfish and rich coastal food in the summer heat can unsettle your stomach faster than expected. If it doesn't pass on its own, a clinic visit may be in order. Your LUMA policy covers the eligible treatment costs, and for a larger bill, direct billing can be arranged where available.

Narrow cobblestone shopping street lined with balconied buildings and hanging lanterns, pedestrians and a dog walking past storefronts.
The Roman aqueduct of Segovia, its tall stone arches towering over a plaza with visitors below.
Plaza Mayor in Madrid, with an equestrian statue in the foreground and the square's arcaded buildings behind.
Gothic-style church facade with tall spires, partially framed by trees, under a clear blue sky.
A stone castle tower glimpsed through a narrow gap between old buildings, overlooking a hillside town.
The Arc de Triomf in Barcelona, a red-brick triumphal arch with pedestrians walking beneath it.
Plaza de España in Seville, with people rowing small boats along the canal in front of the grand building.
A cathedral with ornate spires glowing at sunset, pink sky behind, with visitors gathered on the steps below.
Corner of a traditional Spanish building with white walls, wrought-iron balconies, and ornate window frames.
The Giralda bell tower of Seville Cathedral rising above a tree-lined plaza, seen from street level.
Visitors walk through a horseshoe-arched Moorish gate at the Alhambra, shaded by a large tree.
A Gothic church tower rises behind autumn trees and outdoor cafés in a sunlit town square.
A woman in a hat walks through a stone archway in a narrow alley toward an outdoor café.
A narrow whitewashed alley lined with wrought-iron balconies and palm trees in a Spanish coastal village.
The Gothic spires and ornate entrance of Barcelona Cathedral glow at sunset, with people gathered in the square below.
Palm fronds frame the stone facade of a cathedral with a rose window and twin bell towers.
The richly painted facade of Casa de la Panadería with twin spires rises above Plaza Mayor's arcaded ground floor.
Seville's illuminated tower reflects in a moat lined with docked rowboats at dusk.
A mosaic salamander fountain sits at the base of Park Güell's grand staircase, with visitors and columned terrace above.
A stone archway frames a distant view of Plaza de España's central tower and plaza in Seville, with people walking below.

Your Spain Travel Insurance Questions, Answered

Aerial view of a rocky coastal peninsula with a small lighthouse, surrounded by choppy blue ocean under an overcast sky.

Yes, particularly in summer. As confirmed by the US State Department, temperatures in Andalusia regularly exceed 40°C, and Spain's 2025 summer was the hottest on record. Long days at outdoor sites like the Alhambra or Seville's cathedral in peak heat make dehydration and heat exhaustion easy to underestimate. There is also a minor but present risk of mosquito-borne illness in certain coastal areas during summer, so repellent is worth carrying. Medipro can help you decide whether you need a doctor, and your LUMA policy covers the eligible medical expenses if you do.

Yes, particularly in Barcelona and Madrid. As confirmed by Canada's official travel advice, pickpocket teams work in coordinated groups using distraction techniques, fake spills, and individuals posing as plainclothes police officers. Barcelona's tourist areas, Madrid's Puerta del Sol, and the airport are all known targets. Keep your passport locked in the hotel safe and carry a photocopy instead. If something is stolen, report it to the Policía Nacional and keep the report for any eligible baggage claim under your LUMA policy.

Yes. Spain has good public hospitals, but non-EU visitors without a bilateral agreement pay for treatment, and intensive care can cost €2,000 to €5,000 per day without insurance. Whether it's heat exhaustion in Andalusia, a road accident on a coastal route, or a stomach bug after a seafood meal, LUMA covers eligible medical expenses under your plan. Medipro can also help you decide whether your symptoms need a doctor and what kind of facility makes sense.

Usually, yes. Private clinics expect payment at the time of treatment, typically €60 to €150 for a standard visit, and most require it before you leave. At public hospitals, genuine emergencies are stabilised first and billed later, but non-EU visitors from the US, UK outside the GHIC system, Canada, or India are still charged, around €150 to €250 for triage alone before any tests or treatment are added. EU visitors with a valid EHIC generally pay nothing at public facilities for emergency care. LUMA covers eligible medical costs under your plan, and where a direct billing agreement is in place with the hospital, the facility bills LUMA directly so the cost doesn't fall on you in the moment.

Yes, if you require a Schengen visa. As confirmed by the official EU Schengen visa requirements, visa applicants must submit proof of travel insurance covering a minimum of €30,000 for medical emergencies and repatriation, valid across all 29 Schengen countries for the full duration of the stay. Without a compliant certificate, a visa application can be refused. Travellers from visa-exempt countries can visit for up to 90 days without a visa, though ETIAS travel authorization is planned for the last quarter of 2026. LUMA plans offer USD 50,000 onwards in medical coverage, so all plans meet the minimum coverage requirement for a Schengen visa for Spain.

Yes. Severe storm systems in 2026 triggered evacuations and flooding in parts of Catalonia and Valencia, and heavy rain can affect coastal areas with little warning. Monitor AEMET, Spain's official meteorological agency, before and during your trip, especially in autumn when storms are most active. If flooding forces you to cut your trip short and return home, LUMA’s trip interruption cover may help with eligible unused prepaid costs, subject to your policy's covered reasons and terms. Routine weather disruption to roads or planned activities isn't automatically claimable, so check your plan wording before travel.

Go places, we’ve got you covered.

  • Aerial view of a turquoise Mediterranean cove with sailboats and yachts anchored near a rocky coastline and small island.
  • Aerial view of a hilltop stone fortress overlooking a coastal city and marina, with the sea stretching to the horizon.
  • Plaza de España in Seville, Spain, showing the canal, ornate bridge, and grand semicircular building under a blue sky.

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