An overview of the main types of insurance expats commonly arrange when living in Spain. Specific needs vary by individual situation — not every expat needs every type.
Send your situation and we’ll discuss which types apply.
Get a QuoteTalk to an AdviserPrivate health insurance from a Spanish-regulated insurer. Commonly needed for non-EU visa applicants and as ongoing cover for residents. See visa health insurance hub.
Spanish home contents and buildings insurance. Required by most landlords for rentals; commonly arranged at completion for property purchases. Covers buildings, contents, third-party liability and emergency services.
Mandatory if driving in Spain. Third-party (Terceros) is the legal minimum; Third Party Plus (Terceros Ampliado) and Comprehensive (Todo Riesgo) provide broader cover. Once vehicles are on Spanish plates, Spanish car insurance applies.
For trips outside Spain — visiting family back home, holidays elsewhere. Different from expat health insurance. See expat health vs travel.
For dogs and cats. Covers veterinary treatment, third-party liability (where applicable), and other pet-related risks. See pet insurance Spain.
Common in Spain — covers funeral costs and arrangements. Considered by retirees and those settling long-term.
For self-employed (autónomo) professionals or business owners. Can include professional liability, public liability, business contents and autónomo health insurance.
Health insurance (for visa or residency) and car insurance (if driving) are commonly the most universally needed. Home insurance is typically required for rentals or property ownership.
No — needs vary by situation. EU citizens may not need visa-compliant health insurance; non-drivers don’t need car insurance.
247 Expat Insurance arranges multiple types of cover for expats, simplifying admin.
Home-country policies typically don’t cover Spanish residency. Spanish-regulated cover is the typical route once resident.
Depends on type, age, region, plan tier. Specific quote available.
