Insurers for newcomers
We put you in touch with a registered insurance intermediary on the Costa Blanca, who advises you and arranges the policy. Below you can read which policies are usual in Spain and what to look out for.
Liberty Seguros
A major insurer with a team dedicated to expats.
- 200+ English-speaking staff
- Policies available in English
Sanitas (Bupa)
A leading health insurer for English-speaking expats.
- Best digital app
- Visa-compliant certificates within 48 hours
ASSSA
A health insurer since 1935, specialised in older expats.
- Accessible up to age 79
- Offices across the whole Costa Blanca
Adeslas
Spain's largest insurance network.
- Best prices under age 50
- Nationwide coverage
Insurance in Spain works differently from what you are used to, and the differences are not in the premium but in the cover. We are not insurance advisers and we are not allowed to be: insurance distribution is regulated. What we do is explain how the system works and refer you to a registered intermediary.
Health cover is the first thing to arrange
Until you are inside the Spanish system you depend on private health insurance. Spain offers types you will not know from home, with and without an excess, with and without a waiting period for pre-existing conditions. That last one is where people get caught: a condition you already had is often excluded for the first year.
Home and liability
Buildings insurance is compulsory with a mortgage and with an apartment it is sometimes partly arranged through the community. Always check what the community policy does and does not cover, because being insured twice is more common than being underinsured. Liability is not automatically included in Spain the way you may be used to.
What we do and what we do not
We explain what types exist, what the usual exclusions are and which questions to ask. Comparing and advising is done by the intermediary, because that requires registration.
Frequently asked questions
Can I keep my existing insurance from home?
Sometimes temporarily, but once you are a Spanish tax resident your situation changes. That is a question for your current insurer and for an intermediary here; we put you in touch with both.
Do I need a NIE to take out insurance?
In practice almost always, just as for a bank account. So start there.
What do we look at when comparing options?
Together with a registered intermediary, we look at cover, exclusions, excess, waiting periods and the total premium. You receive the conditions first and make the final choice.