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With its vibrant festivals and sun-soaked beaches, mouthwatering cuisine and centuries of history, Spain offers an unforgettable mix of culture, adventure and relaxation. As one of Europe's most popular tourist destinations, Spain is generally a safe and welcoming country, especially in well-travelled tourist areas, where visitors can feel at ease enjoying the sights, sounds and flavours of this incredible destination. However, even in the safest places, things don't always go to plan.
Make the most of your adventure with travel insurance that keeps you covered while you explore Spain's stunning tourist areas. Consider 1Cover Travel Insurance... It's the One thing you need when One thing goes wrong.
Unlimited medical benefits should you get sick or have an accident including 24-hour emergency medical assistance, ambulance fees and medical evacuations.
Cover for luggage and personal effects stolen, lost or damaged during travel.
Add cover for rental vehicle excess to make sure you don’t get a nasty surprise if you have an accident on the Spanish roads.
Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances.
Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders.
Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered under your Spain travel insurance. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Spain.
Yes, if you want to extend your policy while you’re in Spain, the easiest way to do this is via the Policy Manager.
You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
Make sure you extend your Spain travel insurance before it expires (please keep in mind New Zealand NZST/NZDT).
If you have trouble, you can email us at [email protected]
Please note there may be instances where a policy extension is not available.
If you are robbed while you’re in Spain, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim.
If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear). Learn more about what to do if you have a travel incident.
No, New Zeland has reciprocal health care agreements with some countries, Spain is not one of these countries. Reciprocal health care agreements provide health care in some circumstances, but will not cover all health care needs - in particular emergency assistance and repatriation, costs of medicines and dental care. Find out more here.
If you are planning to visit any of the countries in the Schengen Area, including Spain, for more than 90 days within a 180-day period, you will need to obtain a visa. If you are travelling for a purpose other than business, visiting friends and family, tourism or a holiday, participating in a cultural or sports event, necessary transit, an official visit, medical reasons, such as surgery or another treatment, short-term study, or research you will need to obtain a visa. Read our full guide here.
When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s).
If you're travelling to multiple countries, you need to nominate the countries when you are applying for cover.
If you’re going on a cruise, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack, you won't be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.
Yes, if you choose a lower excess for your Spain travel insurance, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront.
We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy.
Find out more about our annual travel insurance policies here.
Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
Note: The items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).
In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
However, if you do get caught up in an unforeseen event while you are in Spain and you are injured, travel insurance is available for all necessary medical/hospital expenses.
Yes. The Canary Islands are officially part of Spain, so when you buy travel insurance for Spain, your policy will usually include the Canaries, along with mainland Spain and the Balearic Islands. With 1Cover, your holiday insurance for Spain also covers cancellation fees and lost deposits if your trip to the Canary Islands or other regions is disrupted by unforeseen events beyond your control, such as strikes or natural disasters.
Yes. With 1Cover, your travel insurance in Spain includes protection for natural disasters like floods, earthquakes or volcanic activity. If such an event affects your trip, you may be covered for cancellation fees and lost deposits on prepaid travel arrangements, as well as additional expenses like emergency accommodation or rearranged flights. This gives you peace of mind, whether you’re exploring popular tourist destinations on the mainland or relaxing in the Canary Islands.
If you're looking for the best possible coverage for your next Spanish adventure, look no further than our comprehensive policies for Spain. Spain is generally safe, especially in popular tourist areas like Madrid, Barcelona and Seville, but unexpected events can still happen. Whether you're exploring vibrant cities, relaxing on the Mediterranean coast or discovering historic sites across Andalusia, our plans give you peace of mind every step of the way.
| Policy Benefit | Comprehensive/ Frequent Traveller |
|---|---|
|
Medical |
|
|
Overseas Emergency Medical Assistance^ |
Unlimited |
|
Overseas Emergency Medical & Hospital Expenses^* |
Unlimited |
|
Includes Dental Expenses (per adult)^ |
$1,000 |
|
Resumption Of Journey^* |
$3,000 |
|
Hospital Cash Allowance^* |
$5,000 |
|
Permanent Disability^* |
$25,000 |
|
Loss of Income^* |
$10,400 |
|
Luggage |
|
|
Credit Card Fraud & Replacement |
$5,000 |
|
Includes Travel Documents & Traveller's Cheques |
Yes |
|
Theft Of Cash |
$250 |
|
Luggage & Personal Effects |
$15,000 |
|
Luggage & Personal Effects Delay Expenses |
$250 |
|
Cancellation |
|
|
Additional Accommodation & Travel Expenses* |
$2,000 |
|
Includes Family Emergency* |
Yes |
|
Includes Emergency Companion Cover* |
Yes |
|
Cancellation Fees & Lost Deposits* |
Unlimited |
|
Disruption Of Journey* |
$2,000 |
|
Alternative Transport Expenses^ |
$5,000 |
|
Ancillary |
|
|
Personal Liability# |
$5 million |
|
Domestic Pets^* |
$500 |
|
Domestic Services^* |
$500 |
|
Rental Vehicle Insurance Excess#* |
$5,000 |
Overseas Emergency Medical Assistance: Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, and messages to family and hospital guarantees.
Overseas Emergency Medical And Hospital Expenses: Cover if you are injured or become sick overseas, including medical, hospital, surgical and nursing.
Dental Expenses: Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Accommodation & Travel Expenses: Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).
Family Emergency: Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.
Emergency Companion Cover: Cover for additional travel and accommodation expenses if your travelling companion cannot continue their journey because of an injury or sickness.
Resumption Of Journey: Cover for the cost of airfares for you to resume your journey if you return home because of the unexpected death or hospitalisation of a relative of yours.
Hospital Cash Allowance: A fixed daily payment that allows you to pay for expenses within the hospital, like food, during your stay lasting more than 48 continuous hours.
Permanent Disability: A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.
Loss Of Income: A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to New Zealand.
Credit Card Fraud & Replacement: Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.
Travel Documents & Traveller's Cheques: Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your journey.
Theft Of Cash: Cover for the following items stolen from your person: banknotes, cash, currency notes, postal orders and money orders.
Luggage & Personal Effects: Cover for luggage and personal effects stolen, lost or damaged during travel. Common claims include luggage, personal effects, cameras, spectacles and a computer.
Luggage & Personal Effects Delay Expenses: Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.
Cancellation Fees And Lost Deposits: Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as sickness, injuries, strikes, collisions, retrenchment and natural disasters.
Disruption Of Journey: Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your journey is disrupted due to circumstances beyond your control.
Alternative Transport Expenses: Cover for additional travel expenses following transport delays to reach events such as a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements.
Personal Liability: Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Rental Vehicle Excess: Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being stolen, crashed or damaged and/or cost of returning the rental vehicle due to you being unfit to do so.
1. Rich History & Culture: From ancient Roman ruins to Moorish palaces and Gothic cathedrals, Spain offers a deep dive into European history. Kiwi's, often fascinated by Old World charm, are drawn to places like the Alhambra in Granada, the Sagrada Familia in Barcelona, and the Royal Palace in Madrid.
2. Vibrant Food & Wine Scene: Spain is a culinary paradise, famous for tapas, paella, jamón ibérico, and world-class wines. New Zealanders, who value quality food and wine, will appreciate regional specialities and vibrant food markets across the country.
3. World Famous Festivals: Whether it’s La Tomatina, the Running of the Bulls, or Semana Santa, Spain’s festivals are colourful, lively, and unforgettable. These experiences offer something completely different from typical Kiwi celebrations.
4. Beautiful Coast Lines and Beaches: From the Costa del Sol to the Balearic Islands (like Ibiza and Mallorca), Spain offers sun-soaked coastlines and Mediterranean charm. For Kiwi's who love the beach lifestyle, Spain provides a unique, European version of coastal living.
5. Affordable Travel & Easy Euro Access: Compared to other Western European destinations, Spain is relatively affordable for accommodation, food, and transport. It’s also well-connected to the rest of Europe, making it a strategic hub for Kiwi's doing multi-country trips.
Planning a trip to Spain? From world-famous beaches to historic cities and lively festivals, Spain is a top destination for travellers from around the world. Here's what you need to know about Spain and travel insurance for Spain before you go.
Spain enjoys a diverse climate, making it a year-round destination. The south and Mediterranean coast (including regions like Andalusia and Costa del Sol) experience hot, dry summers and mild winters. Northern Spain, including Galicia and the Basque Country, is cooler and greener, with more rainfall. In central areas like Madrid, expect hot summers and colder winters.
Travel tip: Pack for the region and season you're visiting. Travel insurance may help cover weather-related travel journey disruptions, particularly during summer heatwaves or unexpected storms.
Spain has a rich cultural tapestry shaped by its regions. From flamenco in Seville to modernist art in Barcelona, every area offers something unique. Spanish is the official language, but regional languages like Catalan, Galician, and Basque are also widely spoken.
Travel tip: Learning a few Spanish phrases goes a long way.
Spain has an excellent transport system. High-speed trains (Renfe AVE) connect major cities like Madrid, Barcelona, and Valencia. Metro systems and buses are reliable and affordable in most urban areas. For exploring rural or coastal regions, car rental is a great option.
Travel tip: If you plan to rent a car, consider adding rental vehicle excess cover to your travel insurance, accidents or damages on Spanish roads can lead to high out-of-pocket costs.
Spain is generally a very safe country for tourists, especially in well-frequented tourist areas like Madrid, Barcelona, Seville, and Valencia. Violent crime is rare, but like any popular destination, petty theft and lost belongings can occur - particularly in crowded areas or public transport.
Travel tip: Keep an eye on your belongings in busy spots. With the right Spain travel insurance, you’re covered for stolen or lost items, medical emergencies, and certain travel disruptions.
For most travelers from Australia, entry into Spain for tourism purposes of up to 90 days does not require a visa. However, passports must be valid for at least three months beyond your planned departure date. We reccommend always having a 6 month validity on your passport when you travel.
From mid-2025, non-EU travelers may also need to apply for an ETIAS travel authorization before entering Spain. This has yet to be finalised so keep abreast of the latest information.
Travel tip: Always check current entry requirements before departure.
Spain is one of the most visited countries in Europe, known for its beaches, food and historic cities. It’s a safe and friendly destination, but taking a few precautions can help you travel with confidence. Having travel insurance in Spain ensures you’re protected from unexpected costs so you can focus on enjoying your trip.
Major cities such as Barcelona, Madrid and Valencia are vibrant, popular tourist destinations with plenty to see and do. While violent crime is uncommon, pickpocketing and bag theft are frequent in crowded places like train stations, metro lines, markets and tourist landmarks. Thieves often work in groups to distract travellers, so keep your phone, wallet and passport secure. Avoid leaving belongings unattended and be cautious in busy nightlife areas after dark.
In Barcelona, the Gothic Quarter, El Raval and La Rambla can attract pickpockets, especially late at night. In Madrid, remain alert around Puerta del Sol, Gran Vía and Atocha Station, where theft can occur in crowds. These areas are safe to visit during the day but require extra care once it gets dark. If you’re a female traveller, choose well-lit streets, avoid quiet alleys and use licensed taxis or rideshare services to get home safely. Staying in reputable, central accommodation is also a must for safety.
Like many tourist hotspots, Spain has a few common scams. Watch out for people offering “free” gifts, fake petitions or unlicensed taxi drivers. Avoid handing over your belongings to strangers and only book tours or transfers through trusted providers. Confirm prices before paying and ignore street games or offers that sound too good to be true.
Spain’s healthcare system is high-quality and efficient, but visitors from outside the EU usually need to pay upfront for treatment. With holiday insurance for Spain, you can claim for hospital stays, emergency care or medical evacuation if necessary. 1Cover also covers cancellation fees and lost deposits if your trip is disrupted by illness, strikes, retrenchment, collisions or natural disasters.
If you plan to drive or rent a scooter, check that your travel insurance in Spain includes cover for motor accidents and that you hold a valid licence. Helmets are required by law for motorcycles and scooters.
Dial 112 for police, ambulance or fire services. This number is free to call anywhere in Spain, and English-speaking operators are available in most areas.
From tapas in Madrid to sunsets in the Canary Islands, Spain offers something for every traveller. But illness, theft or flight cancellations can interrupt even the best-planned trips. With travel insurance in Spain, you’ll have protection for medical care, lost belongings, cancellations and more. Get a quick quote from 1Cover today and enjoy your summer European holiday knowing you’re covered wherever your Spanish adventure takes you.
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Kenneth Murray and Angela Murray. May 24
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You wouldn’t be going to Spain if you weren’t going to be doing some activities. Find out all about our Sports & Actvities Pack you'll need to be covered for certain adventure pursuits.
All sorts of medical issues could affect your travel in Spain. Find out about pre-existing medical conditions, as well as pregnancy and emergencies.
We always recommend you read the PDS, but this page will give you an overview of what travel insurance will cover in Spain.
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