How To Find Cheap Holiday Insurance For Spanish Residents

Spanish residents can travel without limit to member-countries of the European Union (EU) although work permits are required by Guernsey, the Isle of Man and Jersey. Most EU member-countries readily accept the Spanish government-issued Identity Card as equivalent to a passport. Passengers who know how to find cheap holiday insurance for Spanish residents are allowed 250 grams of tobacco, 2 litres of aperitifs or spirits with less than a volume of 22{8c974b15437a1bed10bc1c8f4c5d9376d60cc53d5f26ab4ff3e9ea735c135986}, and 200 cigarettes to bring into Spain. However, bringing back into the country such animal products with origins from countries that are non-EU members is not permissible. Spanish residents, incidentally, do not need a visa to visit some 160 countries, including Egypt, Nepal, Zimbabwe, Indonesia, Cambodia, Bahrain, Papua New Guinea, Laos, Azerbaijan, Oman, Madagascar, and Jordan.

A Wide Range of Benefits

Many insurance companies are amenable with consultations on how to find cheap holiday insurance for Spanish residents including coverage for long stay travel, annual multi-trip, and single trip preferences of British expatriates and Spanish nationals. Some companies offer a wide range of benefits including, but not limited to:

  • Cruise coverage.
  • Curtailment or cancellation.
  • Medical and medical treatment expenses.
  • Winter sports coverage.
  • Civil partnership coverage.
  • 24-hour coverage for emergency medical assistance.
  • Wedding coverage.
  • Business travel coverage.
  • Baggage and personal effects.
  • Independent traveller coverage.
  • Personal liability coverage (in case the policy holder is sued for damaging property and/or causing personal injury).
  • Stolen and lost possession coverage.
  • Coverage for activities which may be excluded from standard insurance policies such as jet skiing as a water sports activity.

Those with pre-existing medical conditions prior to issuance of the insurance policy need to know how to find cheap holiday insurance for Spanish residents and declare such conditions. Citizens of EU member-countries are covered by the EU Health Insurance Card for medical treatment and/or care in government hospitals and public medical facilities, although the coverage does not extend to non-emergency conditions or emergency repatriation to another country. The card is not honoured by private medical practitioners in Spain, though, and does not cover private medical treatments as well.

Reciprocity of Medical Treatment

Visitors to Spain should first find out whether there is reciprocity of free medical treatment and/or care between Spain and their respective countries. Otherwise, visitors who cannot avail of such insurance coverage should take out a policy that will cover at least the cost of an ambulance, for instance, or an emergency flight for the home country.

Also, visitors to Spain who find out how to find cheap holiday insurance for Spanish residents can enquire in advance whether their travel insurance policy has a stipulation on either making direct payments to insurance providers or reimbursing the policy holder at a later time for all health expenditures incurred while abroad. The former is preferable since it does not require the policy holders to pay out of their own pockets while in a foreign country.

Saving Time and Money

Should problems arise while travelling, the absence of insurance could lead to logistical and financial difficulties. Coverage of the entire period of travel should be covered by the travel insurance until the policy holder arrives home.

Frequent travellers who make more than a single trip overseas should consider taking out an insurance policy for said annual multi-trip to save both time and money. Furthermore, it is prudent to go over the terms and conditions, and exclusions of how to find cheap holiday insurance for Spanish residents prior to a trip. Some policies, for instance, do not cover drug-related or drink incidents.

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