General Expat Insurance FAQs:
What types of insurance can expats in Spain get through 247 Expat Insurance?
We offer a complete range of expat insurance: health, car, home, travel, pet, life, funeral, liability, motorbike, boat/jetski, finca, horse, autonomo, and business cover. All policies are designed for foreign residents in Spain, with documents and support in English.
Who is eligible for insurance with 247 Expat Insurance?
Both EU and non-EU nationals can apply. We work with British expats, Americans, Nordics, Canadians, Australians and more. Coverage is available for permanent residents, digital nomads, retirees, and holiday homeowners.
Do you provide policies that are compliant with Spanish visas?
Yes. Our visa health insurance is accepted by Spanish consulates worldwide for Non-Lucrative Visas, Digital Nomad Visas, Golden Visa (historic), Student Visas, and family reunification applications. Certificates are issued in English and Spanish.
How can I contact 247 Expat Insurance?
We’re open 7 days a week, reachable via:
Spain: 868 290 730
UK: 0203 925 8884
USA: 1 646 222 5288
Whatsapp: +34 613 268 898💻 Website live chat www.247expatinsurance.com
📧 Email info@247expatinsurance.com
Can I manage multiple policies with you?
Yes. Many clients insure their car, home and health with us. This means one English-speaking team handles all your renewals, claims and support.
How quickly will I receive my policy documents?
Most policy documents are issued within 24–48 hours. For visa applications, certificates can often be provided the same day once payment is confirmed.
Are your policies in English?
Yes. All policy documents, quotes, and claims assistance are available in English. This avoids the confusion many expats face when dealing with Spanish-only insurers.
Can I cancel my policy early?
In many cases, yes. Depending on the product, you may be charged for the whole policy as most policies are 12 month policies in Spain. We guide you through cancellation process.
Do you work during Spanish holidays?
Yes. Unlike many local insurers, we’re available every day of the week, including bank holidays. Expats don’t need to wait until “mañana” to get insured.
Are premiums fixed or do they increase?
Most premiums increase only with age or inflation. We always explain renewal terms clearly and can help you switch providers if your renewal jumps unexpectedly.
🏥 Health Insurance FAQs
Yes. Both the Non-Lucrative Visa and Digital Nomad Visa require private medical insurance in Spain that includes full coverage, no co-pay, and no waiting periods.
Co-pay policies: Lower monthly premiums but you pay a small fee per doctor visit.
No co-pay policies: Higher monthly cost but unlimited free visits – required for visas.
Coverage depends on the insurer. Some exclude pre-existing conditions, while others may accept them after a waiting period or surcharge. We help expats find the right option.
Yes. Many of our plans include basic dental and mental health support, with options to add comprehensive coverage.
If you’re applying for a visa (NLV, Digital Nomad, Student Visa), private health insurance is mandatory.
Over 45,000 doctors and 13,000 private clinics across Spain are accessible, including top hospitals in Madrid, Barcelona, Alicante, Málaga, and Valencia.
Choice of doctor depends on the individual policy but certain policies can provide flexibility, allowing you to visit any private hospital or specialist outside the insurer’s network; other policies will only include hospitals and doctors approved by the insurer.
Usually within 24–48 hours of payment confirmation. Certificates are issued in both English and Spanish.
Yes we have policies that cover inpatient care, surgeries, diagnostic tests, scans, maternity, and emergencies, and other policies that are more basic and do not cover it.
Yes. Some of our policies include international coverage (up to 90 days) for travel outside Spain.
Yes. We offer family health insurance packages covering children, partners, and dependents.
Home Insurance FAQs:
Not legally (unless you have a mortgage), but it is strongly recommended to protect against fire, leaks, burglary and liability claims.
Yes. We specialise in second home and rental property insurance, including Airbnb/short-term lets.
Some policies include legal defence and compensation in case of illegal occupation (a growing concern in Spain).
We offer policies for seasonal or vacant homes, with special terms for expats who only visit part of the year.
Fire, flood, escape of water, theft, vandalism, liability, and sometimes cosmetic damage like broken tiles or fitted kitchen units.
Yes. High-value items can be added with separate sums insured.
Yes – community liability is usually included, protecting against damage to neighbours’ property.
Emergency plumbers, locksmiths and electricians are usually dispatched within hours of your call.
Yes. We provide finca insurance covering rural homes, land, and outbuildings.
Yes. We offer landlord liability and rental protection for long-term and holiday lets.
Car Insurance FAQs:
At the moment, we can only insure Spanish-registered vehicles. If your car is still on UK or EU plates, you will need to transfer it to Spanish registration before we can provide cover. Once your car is registered in Spain, we can arrange full insurance with roadside assistance and English-language support.
Does car insurance include roadside assistance?
Legally, yes – but most expats choose comprehensive cover for full peace of mind. This protects against theft, fire, damage and accidents.
In many cases, yes. if you have proof of no claims history from the UK, EU or other country we may apply discounts to your Spanish policy.
Our policies can include courtesy cars while your is being repaired. Rental Car Insurance is separate, but we can advise on travel insurance and insurance for rental vehicles.
Not immediately. Many expats drive on theirforeign driving license for the first 6 months after which Spain may require an exchange. We can insure you during this period.
Yes, we insure imported vehicles when they are legal and have been imported on to Spanish registration plates.
We’re open 7 days – most expats receive a same-day quote via phone, chat or WhatsApp.
Always complete the European Accident Statement form.
Please download a copy here:
European accident form.
And contact the emergency 24 hour line:
910 551 655 or 902 35 20 35
Yes. Policies can include passenger liability and can name additional drivers, such as family members, on request, some policies include any driver over the age of 28 with more than 2 years driving experience.
Travel Insurance FAQs:
Yes. Perfect for expats who travel frequently, covering Europe or worldwide.
We provide specialised cruise travel insurance for expats, covering cancellations, medical care, and emergency repatriation.
We offer single-trip cover for holidays, business trips, or family visits.
Yes – most policies now include Covid-related cancellation and treatment abroad.
Yes. Unlike many UK-based insurers, we cover expats resident in Spain.
Yes. Adventure add-ons are available for skiing, snowboarding, diving, and more.
Contact our helpline. They can pre-authorise hospital bills or arrange direct payment.
Pet Insurance FAQs:
We insure cats and dogs, with options for other animals on request.
Yes. Most policies cover routine check-ups, emergency visits, and vaccinations.
Some plans include dental treatment, particularly for dogs prone to oral issues.
Yes – most policies include treatment for chronic illnesses, surgery, and cancer care.
Yes. This is particularly important for dog breeds classified as dangerous in Spain.
Some policies extend cover abroad for short travel periods.
Funeral Insurance FAQs:
Funeral insurance helps cover the costs of final arrangements and can include repatriation, cremation, or burial services.
While not mandatory, funeral insurance can ease the financial burden on your family in case of an unexpected event.
Funerals in Spain happen very quickly (24–48h) and can be costly. Funeral insurance ensures everything is pre-arranged and paid for.
Yes – many expats choose policies with repatriation to their home country.
Funeral arrangements, coffin, cremation or burial, transport, legal paperwork, and sometimes family flights/hotels.
No – policies are very affordable, often just a few euros per month.
Life Insurance FAQs:
Yes. We offer flexible life policies for foreign residents of all ages
Yes. We can build policies including critical illness, disability, and accident protection.
Generally up to 70–75 years, depending on the insurer.
Yes. Life insurance payouts can go to beneficiaries worldwide.
Yes – banks often require life cover for mortgages. We offer expat-friendly alternatives to bank-tied policies.
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