Top 10 Health Insurance Providers for Expats in Spain
Private international medical insurance is essential for non-EU citizens living in Spain. The top 10 health insurance companies for expats in Spain include AXA, Cigna, NOW Health, April International, Allianz, Bupa Global, IMG, Generali, and Aviva. These providers offer a range of comprehensive coverage options to meet the needs of expats, from inpatient and outpatient treatment to emergency evacuation and repatriation.
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Finding the right health insurance for your time in Spain depends on factors such as coverage limits, premiums, and additional benefits like dental and maternity care. Below, we’ll highlight the best health insurance companies for expats in Spain and provide details about what each offers to ensure you can choose the plan that fits your needs.
Keep reading to learn more about the top 10 health insurance companies for expats who need or want private insurance in Spain. We’ll also provide some information about additional health insurance providers for expats. Find out how to choose the best insurance for yourself and your family.
Moving somewhere else? Check out the top 10 international insurance companies globally.
Best Health Insurance Options for Expats in Spain: Top Providers
The 10 best health insurance companies for expats in Spain are
Some additional insurance companies for expats in Spain to consider include the following:
If you would like more information about how the healthcare system works in Spain, consult this blog post.
GeoBlue for Expats in Spain
GeoBlue is an outstanding insurance provider for American expats living in Spain and worldwide. This insurance company has one of the largest global direct billing networks, an unlimited annual benefit limit, and provides covered telemedicine services to policyholders.
GeoBlue’s comprehensive plans start at USD $412 monthly for a 30-year-old female expat in Spain, with a deductible of USD $10,000. This affordable plan even covers annual health checks and vaccines.
The following table illustrates how comprehensive GeoBlue’s benefits are for American expats in Spain.
| GeoBlue Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through GeoBlue |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-month waiting period |
| Maternity Coverage | Available at renewal after 12 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Routine vaccines are covered, and there is a USD $500 limit for travel vaccinations. |
NOW Health International: Comprehensive Expat Insurance in Spain
NOW Health International plans for expats in Spain have an annual benefit limit of USD $4,500,000. These plans are comprehensive and provide coverage for inpatient, outpatient, emergency evacuation and repatriation, dental, maternity, and wellness.
NOW Health International’s plans offer the following comprehensive benefits to expats in Spain:
- Inpatient Treatment
- Outpatient Treatment
- Emergency Evacuation
- Emergency Repatriation
- Dental
- Maternity
- Optical Benefits
NOW Health International’s monthly premiums start at USD $535 monthly for a 30-year-old female expat in Spain. A plan with this premium has an annual benefit limit of USD $4,500,000 and a deductible of USD $15,000.
The wide variety of deductible options through NOW Health International helps to make expats’ insurance plans in Spain customized. You’ll be able to decide how much to spend or save on premiums versus out-of-pocket costs for treatment.
Deductibles through NOW Health are available in the following amounts.
- USD $15,000 deductible plans
- USD $10,000 deductible plans
- USD $5,000 deductible plans
- USD $2,500 deductible plans
- USD $1,000 deductible plans
- $0 deductible plans
The following table offers an overview of what types of coverage are available on NOW Health International plans.
| NOW Health International Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through NOW Health Intl. |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 9-month waiting period |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Routine and travel vaccinations are covered up to the annual health check benefit limit. |
April International: Affordable Coverage for Expats in Spain
April International has some of the most affordable comprehensive coverage with unlimited annual benefits for expats in Spain. Plans with an annual benefit limit are also available with a generous limit of USD $2,000,000. Dental coverage has some of the shortest waiting periods.
April International’s plans offer the following comprehensive benefits:
- Inpatient Treatment
- Outpatient Treatment
- Emergency Evacuation
- Emergency Repatriation
- Dental
- Maternity
- Optical Benefits
Comprehensive coverage through April International with an unlimited annual benefit starts at only USD $309 monthly for a 30-year-old female expat in Spain. It’s not uncommon for comprehensive insurance plans in the same region to cost more than USD $1,000 monthly.
The following table illustrates what types of coverage are available through April International’s expat insurance plans in Spain.
| April International Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through April International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-month waiting period for routine dental care and a 6-month waiting period for major/restorative care |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available after a 6-month waiting period |
| Vaccination Coverage | Unavailable |
AXA: High Coverage Limits for Expats Living in Spain
AXA Health Insurance plans are among the best plans for expats in Spain because of the high annual benefit limit. AXA’s highest annual benefit limit is USD $8,000,000. One thing that sets AXA apart is coverage for travel vaccinations is available when most insurers exclude this.
AXA health insurance plans are comprehensive plans with basic coverage like inpatient, outpatient, emergency evacuation & repatriation, and additional coverage including maternity and dental.
AXA offers plans with $0 deductibles, and the highest deductible option is only $3,200 a year.
As a large, well-known insurance company, you can rest assured that you’re in good hands with AXA while living in Spain. The following table shows the extensive coverage available through AXA.
| AXA Health Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through AXA |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with an 18-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available including travel vaccinations |
Cigna: Reliable Expat Health Plans in Spain with Flexible Deductibles
Cigna is one of the largest insurance companies, and it offers expats in Spain outstanding plans with an option to have a $0 deductible. The annual benefit limit for Cigna’s expat plans is USD $1,000,000. One of their most popular plans is the Cigna Silver plan with comprehensive coverage features.
Cigna’s premiums for the Silver Plan can be as low as USD $177 monthly for a 30-year-old female in Spain with a deductible of USD $10,000 annually. Coverage includes inpatient, outpatient, and dental for this price.
The following table will allow you to compare the coverage options available through Cigna compared to other plans.
| Cigna Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through Cigna’s Silver Plan |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on most plans |
| Dental Coverage | Available with waiting periods of 3, 12, or 18 months |
| Maternity Coverage | Available on Gold or Platinum Plans |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available, but travel vaccinations are excluded |
Cigna’s popular Silver plan does not include maternity coverage, but its Gold and Platinum plans do. For additional information about the best expat maternity insurance, see our maternity plans page.
Allianz Care: Worldwide Health Insurance Options for Expats in Spain
Allianz Care plans are available for expats in Spain. Expats can choose to have worldwide coverage that includes or excludes the United States. Annual benefit limits of up to USD $5,000,000 are available on select plans.
Policyholders with Allianz Care can take advantage of benefits like getting a second medical opinion and an Expat Assistance Program.
The following table highlights the coverage options available for expats in Spain through Allianz Care plans.
| Allianz Care Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through Allianz Care |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available |
| Maternity Coverage | Available with a waiting period of 10 or 18 months |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
Bupa: Customizable Health Insurance Plans for Expats in Spain
Bupa offers customizable coverage options, such as deductibles ranging from $0 to USD $20,000, for expats in Spain. Additional benefits available to Bupa’s policyholders include 24/7 Global Virtual Care, an extensive direct billing network, and coverage for routine and travel vaccinations.
Bupa’s most affordable plan starts at USD $488 monthly for a 30-year-old female and has an annual benefit limit of USD $4,400,000 with a yearly deductible of USD $20,000. This plan also boasts worldwide coverage.
The following table displays the coverage options available to expats in Spain through Bupa’s plans.
| Bupa Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
Generali: International Health Insurance Coverage for Expats in Spain
Generali is a leading international insurance provider. Expats living in Spain can benefit from their travel and health insurance products. You can choose between their Medical Prime plan with the signature Generali coverage or Medical Select which offers extensive care with an alliance in Europe.
The Medical Select plan is ideal for residents of Northern Greece as this plan is in partnership with the European Interbalkan Medical Center in Thessaloniki.
The Medical Prime plan is ideal for expats in Spain who want quick and comprehensive treatment of any health need from one point of service. Coverage combines inpatient and outpatient benefits with access to cutting edge technology and treatments from highly specialized staff.
The table below shows a quick comparison of available benefits for Generali health insurance plans for expats in Spain.
| Generali Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through Generali |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Not Available |
| Maternity Coverage | Available |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | May be available |
| Optical Coverage | Available |
Aviva: Comprehensive Health Plans for Expats in Spain
Aviva has provided international health insurance for expats all over the world for over 30 years. Their core health plan includes coverage for consultations, specialists, diagnostic tests, hospital charges, cancer, mental health care, and more.
In addition to health insurance, Aviva is one of the only providers that also insures your car, home, boat, property and liability, life, travel, pet, retirement, and much more! If you want one insurer to use for everything, Aviva is your choice.
Aviva grants you access to hundreds of hospitals, and you can receive coverage only in their approved healthcare facilities. Approved private hospitals include:
- BMI
- Nuffield
- Spire
- NHS
Tools that come with Aviva insurance include:
- MyHealthCounts: an online health and wellbeing tool
- Aviva Digital GP for video consultations
- Get Active that grants you discounted services at gums and health and fitness clubs
- 24-Hour Stress Counseling Helpline
- Mental health support
- Cancare Care with Get Active
The following chart gives you a snapshot of the health benefits offered expats in Spain who are insured by Aviva.
| Aviva Insurance Coverage Availability for Expats in Spain | |
|---|---|
| Benefit | Availability through Aviva |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Not covered |
| Dental Coverage | Optional add-on available |
| Maternity Coverage | Not available |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Not covered |
| Optical Coverage | Optional add-on available |
IMG: Flexible Health Insurance Solutions for Expats in Spain
IMG’s top-rated international health insurance plans offer flexibility when it comes to getting worldwide or regional coverage. The Bronze Global Medical Insurance plan for a 30 year old female living in Spain for a year begins at USD $90 a month with a $10,000 deductible.
Expats in Spain can choose to be covered wherever they go, or to exclude certain countries like the U.S., Japan, and others. All 4 IMG plans include prescription drug coverage.
Here are the annual plan limits for each of IMG’s expat health insurance packages:
- Bronze: $1,000,000
- Silver: $5,000,000
- Gold: $5,000,000
- Platinum: $8,000,000
The deductible options available with IMG global medical plans in Spain include:
- USD $25,000 annual deductible
- USD $10,000 annual deductible
- USD $5,000 annual deductible
- USD $2,500 annual deductible
- USD $1,000 annual deductible
- USD $500 annual deductible
- USD $250 annual deductible
Next is a chart that details some of the core benefits available in Spain for expatriates who get insured through IMG Global.
| IMG Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through IMG |
| Inpatient & Outpatient Coverage | Partial to full coverage available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Optional add-on available |
| Maternity Coverage | Available with Platinum plan |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available |
| Optical Coverage | Optional add-on available |
Additional Health Insurers for Expats in Spain
In addition to the top nine providers of health insurance in Spain, there are a few more great options. A+ International, HealthCare International, and Passport Card are all reliable health insurance companies for expats.
A+ International Insurance in Spain for Expats
A+ International Insurance is a great insurance provider for expats in Spain who want a bargain on basic coverage. A+ Insurance plans cover inpatient, outpatient, emergency evacuation, and emergency repatriation. These plans do not cover dental or maternity expenses.
A+ International Insurance plans are offered with an annual benefit limit of USD $200,000 or $400,000.
The following deductibles are available through A+ International Insurance:
- $0 deductible plans
- USD $250 deductible plans
- USD $500 deductible plans
- USD $1,000 deductible plans
- USD $5,000 deductible plans
A+ International Insurance plans for expats in Spain with higher annual benefit limits and lower deductibles cost more than plans with higher deductibles and lower annual benefit limits.
| A+ International Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through A+ International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Unavailable |
| Maternity Coverage | Unavailable |
| Coverage for Annual Health Checks | Unavailable |
| Vaccination Coverage | Unavailable |
HealthCare International in Spain for Expats
HealthCare International offers plans with relatively high annual benefit limits for expats in Spain. These comprehensive insurance plans provide inpatient, outpatient, emergency evacuation and repatriation, maternity, and dental coverage with a co-pay between 10-30%.
Policyholders in Spain can choose one of the following annual benefit limits through HealthCare International:
- USD $1,500,000
- USD $2,000,000
- USD $2,500,000
| HealthCare International Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through HealthCare International |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 6-month waiting period |
| Maternity Coverage | Available with a 12 to 18-month waiting period |
| Coverage for Annual Health Checks | Available with a 12-month waiting period |
| Vaccination Coverage | Available, but travel vaccinations excluded |
Passport Card for Expats in Spain
Passport Card sells expat health insurance in Spain with annual benefit limits ranging from USD $2.5 million to USD $5 million. Passport Card plans in Spain are comprehensive plans with coverage for dental and maternity in addition to inpatient, outpatient, and emergency evacuation and repatriation.
Expats can choose a deductible as low as $0 or a higher deductible plan with a deductible as high as USD $1,000. This means that the Passport Card’s deductibles are relatively low. This is great for expats who want to reduce their point-of-service spending.
| Passport Card Insurance Coverage Availability for Expats in Spain | |
| Benefit | Availability through Passport Card |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available |
| Dental Coverage | Available with a 3-6 month waiting period |
| Maternity Coverage | Available with a 16-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for children only, and travel vaccinations are excluded |
Choosing the Best Expat Health Insurance in Spain
There is no single insurance company that is right for every expat in Spain. Choosing the best health insurance plan depends on what types of coverage are the most important to you. You’ll have to compare the specific coverage available with each plan and provider.
Do not forget to compare the following benefits:
- Inpatient Coverage
- Outpatient Coverage
- Emergency Evacuation and Repatriation
- Dental
- Optical
- Maternity
- Wellness
Working with an insurance broker can help expats find and compare plans from multiple insurance companies. On the other hand, an insurance agent only represents one company. A broker’s services do not cost the expat anything.
Find out more about using an insurance broker here.
Frequently Asked Questions
Do Americans get free healthcare in Spain?
American citizens residing in Spain may access the universal healthcare system by working and paying taxes in Spain. Supplemental insurance or private insurance provides coverage for private hospitals, including international ones.
How much does health insurance in Spain cost for expats?
Basic expat health insurance with an annual limit of USD $200,000 and a deductible of $5,000 costs as little as USD $91 per month in Spain for a 30-year-old female. This coverage includes outpatient, inpatient, emergency evacuation, and emergency repatriation.
Can I use my US health insurance while traveling to Spain?
Most US domestic health insurance plans will not cover you while traveling abroad, including travel to Spain. Additionally, Medicaid and Medicare only provide coverage within the United States and its territories. You can secure travel insurance before visiting Spain.
Conclusion
The top nine health insurance companies for expats in Spain are AXA, Cigna, NOW Health, April International, Allianz, Bupa Global, IMG, Generali, and Aviva.
Expats can review each company’s offerings to select the best coverage for their situation. Working with a broker like Pacific Prime can help make the process go more smoothly.
Contact an insurance expert today for personalized assistance.
Are you still exploring places to live abroad? Check out the Top Insurance Companies in China or the Top Insurance Companies in Indonesia.
Additional Resources for Living Abroad in Spain as an Expat
Find out more information with these additional resources for expats in Spain:
- Jobs for American Expats in Spain
- Guide to Living Abroad in Spain with Cost of Living Information
- The Best Places for Expats to Live in Spain
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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