Whether you have just arrived, are planning your move, or have been living in Spain for years, 247 Expat Insurance is the specialist English-speaking agent for all the cover you need. Health, car, home, travel, life, funeral, pet — sorted simply, in English, seven days a week.
From the essential (health, car) to the often-overlooked (life, funeral, pet), we arrange every type of insurance an expat in Spain is likely to need — all from a single English-speaking team that understands your situation.
Private health insurance for expats — required for NLV and DNV visa applications, and the best way to access fast, English-language healthcare in Spain.
Explore health insurance → 🚗 Legally RequiredThird-party liability is mandatory for all vehicles in Spain. We arrange comprehensive, third-party fire and theft, and third-party only policies for Spanish-registered cars.
Explore car insurance → 🏡 Mortgage RequirementBuildings and contents insurance for Spanish properties — required by mortgage lenders, and essential for all property owners including holiday homeowners.
Explore home insurance → ✈️ TravelTravel insurance for expats in Spain travelling within Europe and beyond. Annual multi-trip policies and single-trip cover for trips from your Spanish base.
Explore travel insurance → 💙 ProtectionTerm life, whole of life, and mortgage-linked life insurance for expats in Spain. Often required by Spanish mortgage lenders — and always worth having.
Explore life insurance → 🕊️ Peace of MindCover for funeral costs in Spain and repatriation to the UK, Ireland, or USA. Essential for expats whose families are based in their home country.
Explore funeral insurance → 🐾 Pet CoverDog insurance, cat insurance, and legally required PPP third-party liability insurance for dangerous breed dogs. Cover for your whole pet family in Spain.
Explore pet insurance →Spain is home to one of the largest expat communities in Europe. The insurance needs of a retired couple from Yorkshire are very different from those of a digital nomad from California — and we understand those differences in detail.
British, Irish, and international retirees who have made Spain their permanent home need health insurance (particularly for visa renewal), life insurance, funeral cover, home insurance, and car insurance. We work with hundreds of retired expats across the Costa del Sol, Costa Blanca, Murcia, and beyond.
Spain's Digital Nomad Visa has made the country a popular base for remote workers. DNV applicants need qualifying private health insurance. We also arrange the wider insurance cover — travel, home, car — for those building a life in Spain whilst working remotely.
Expats and foreign nationals who own a holiday home in Spain need specialist holiday home insurance, and potentially car insurance if they keep a vehicle there. We understand the particular needs of non-resident property owners and part-time residents.
Working expats relocating to Spain with families need health insurance, car insurance, home insurance, and often school-age children's cover considerations too. We help employed and self-employed expats navigate the full range of requirements when building a new life in Spain.
One of the most common and costly mistakes expats make is assuming that existing home country insurance policies continue to provide adequate cover once they become resident in Spain. In most cases, they do not — and the consequences of discovering this at the point of a claim can be devastating.
UK, Irish, and American insurance policies are underwritten based on the assumption that the policyholder is ordinarily resident in the country where the policy was issued. When you become a Spanish resident, you trigger a fundamental change in your insurance position. Health insurance policies may restrict or eliminate cover for non-residents. Life insurance policies may contain residency clauses that affect their validity. Car insurance policies written for UK-registered vehicles may not provide adequate cover for a car that is now permanently based in Spain. Home insurance policies for UK properties are irrelevant to a Spanish property.
This is not a technicality — it is a practical reality that can leave expats significantly underinsured or completely uninsured for the risks they actually face. Spanish insurance is written under Spanish law, regulated by Spanish authorities, and designed for the Spanish risk environment. For expats in Spain, Spanish insurance from a Spanish-registered agent is the appropriate and legally compliant foundation.
Spain has an excellent and mature insurance market, with many reputable insurers offering competitive products. But navigating that market in a second language, without understanding the specific terminology, the legal framework, or the particular requirements that apply to foreign nationals, is a recipe for purchasing the wrong cover or failing to understand what you have bought.
A Spanish-speaking agent who has no experience of the specific challenges facing British, Irish, or American expats cannot advise you on whether your UK life insurance remains valid after your move, what health insurance meets NLV visa requirements, whether your Staffordshire Bull Terrier needs a PPP licence, or how Spanish funeral insurance interacts with the repatriation process. These are expat-specific questions that require expat-specific expertise — which is precisely what 247 Expat Insurance provides.
Getting the right insurance in Spain through 247 Expat Insurance is a straightforward process. It starts with a conversation — by phone, WhatsApp, or email — in which we understand your situation: where you live in Spain, what your visa status is, what assets you have, what cover you may already hold, and what your priorities are. From there, we search the Spanish market for policies that genuinely fit your circumstances, present the options to you in plain English, and help you make an informed choice.
Once a policy is selected, we handle the application process on your behalf, liaise with the insurer, and ensure your policy documents are issued correctly and promptly. We provide you with a clear summary of what you are covered for and how to make a claim if you ever need to. And we remain available after the policy is in place — if your circumstances change, if you want to make amendments, or if you ever have a question about your cover, we are here seven days a week.
Call, WhatsApp, or email. Tell us about your situation and what you need.
Our team explains your options in plain English — no jargon, no pressure.
We search the Spanish market and present you with the best-fit options.
You choose, we handle the paperwork and liaise with the insurer for you.
We remain available 7 days a week for questions, claims, and renewals.
From first call to policy certificate, everything is handled in English. No translation headaches, no misunderstandings, no surprises.
We focus exclusively on the expat market in Spain. We know the NLV and DNV requirements, the PPP rules, the mortgage insurance landscape — all of it.
Insurance emergencies don't wait for Monday morning. We are available every day to help you — whether you need a new policy or help with a claim.
We work with multiple Spanish insurers and compare the market to find the right product for you — not the product that benefits us most.
Registered with Spain's insurance supervisory body. The policies we arrange meet Spanish legal standards, giving you confidence and consumer protection.
Contact us from anywhere. Spain number, UK freephone, USA number, WhatsApp, and email — we make it easy wherever you are.
This is by far the most common and most dangerous mistake. UK, Irish, and US insurance policies are rarely designed for long-term residents abroad. Health policies may exclude ongoing conditions once you are resident outside the issuing country. Life policies may lapse. Car policies may not provide valid cover for a Spanish-based vehicle. Audit all your existing cover the moment you become a Spanish resident.
The European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) gives access to state healthcare on the same terms as Spanish nationals — but it is not private health insurance and does not meet the requirements for an NLV or DNV visa. It also provides no cover for repatriation, dental care, or many specialist treatments. For most expat residents, private health insurance is not optional — it is essential.
Spain's Non-Lucrative Visa and Digital Nomad Visa have specific health insurance requirements — the policy must be from a Spanish-registered insurer, must provide full cover with no copayments for NLV applications, and must be valid for the duration of the visa period. Buying the wrong type of policy, or one from a non-qualifying insurer, can result in a visa refusal. Always use a specialist who knows the requirements.
Spanish law mandates car insurance, PPP dog liability insurance, and mortgage buildings cover. These are not optional extras. Driving without valid Spanish car insurance, or owning a PPP dog without liability cover, can result in fines, legal proceedings, and significant personal financial liability. Do not assume that foreign-issued policies satisfy Spanish legal requirements.
Buying insurance online without understanding what you are purchasing is risky anywhere. In a foreign country and a foreign language, the risks are considerably higher. A policy that appears comprehensive may exclude the very scenarios expats face most often. Working with a specialist agent who explains precisely what is and is not covered before you buy is the only reliable way to know you are properly protected.
A European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) provides access to state healthcare in EU countries on the same basis as local residents — it is not private health insurance. For expats applying for an NLV or DNV, private health insurance is a mandatory requirement and the EHIC/GHIC does not satisfy this. For long-term residents, private health insurance provides significantly faster access to specialists, eliminates waiting lists, and ensures English-language care. State provision alone is rarely adequate for expat needs.
Getting a quote is straightforward. Call us on Spain +34 868 290 730, UK 0203 925 8884, or USA +1 646 222 5288. Contact us via WhatsApp on +34 613 26 88 98. Email us at info@247expatinsurance.com. Or complete the quote request form on our website. Our team is available seven days a week and will respond promptly to discuss your requirements in English.
Spanish insurance policies are required by law to be issued in Spanish. However, we provide plain English explanations of all key policy terms, conditions, and exclusions so that you fully understand your cover before you commit. We also guide you through the claims process in English if you ever need to make a claim, and handle communication with insurers on your behalf where needed.
Yes. If you already hold a Spanish insurance policy and want a second opinion, a market comparison, or help understanding what you are covered for, we are happy to help. We can review your existing cover, identify any gaps, and provide alternative quotes from the Spanish market so you can make an informed decision about whether to stay with your current insurer or switch.
An NLV requires applicants to hold private health insurance from a Spanish-registered insurer that provides full cover in Spain with no copayments. The policy must be valid for the full visa duration and must meet specific coverage requirements set by the Spanish consulate. We specialise in arranging NLV-compliant health insurance policies and can provide the documentation required for your visa application.
Yes. Third-party liability car insurance (seguro obligatorio) is a legal requirement for all vehicles driven on public roads in Spain. Expats driving a UK or foreign-registered car in Spain long-term should arrange Spanish insurance — relying solely on a UK policy is often insufficient and may not provide valid cover under Spanish law. We arrange comprehensive, third-party fire and theft, and third-party only policies for Spanish-registered vehicles.
If you have a Spanish mortgage, your lender will require buildings insurance as a minimum condition of the loan. Contents insurance and additional liability cover are not mandatory but are strongly recommended. As with life insurance, the policy offered by your bank is not always the most cost-effective option — an independent agent can often arrange equivalent cover at a better price whilst still meeting the lender's requirements.
Yes. Digital nomads and remote workers are a growing part of the expat community in Spain, particularly following the introduction of the Digital Nomad Visa. We arrange health insurance that meets DNV requirements, as well as travel insurance, home insurance, and other cover relevant to the nomadic lifestyle. Whether you are based in one location or moving around Spain and Europe, we can identify the right insurance structure for your situation.
One call, one English-speaking team, every type of insurance you need in Spain. Available seven days a week — whenever suits you.
