NLV / USA Directory

NLV Health Insurance for Spanish Consulates in the USA

US NLV applicants use one of nine Spanish consulates serving the USA. Each has its own catchment, address and procedural preferences. This guide is a directory-style reference: jurisdiction by state, addresses, jump links per consulate, and the NLV health insurance certificate guidance commonly expected. Requirements can vary by consulate and change — always check the current consulate checklist before submitting.

NLV cover should normally be Spanish-licensed, comprehensive, annual, sin copago and sin carencias. US consulates commonly scrutinise payment evidence and repatriation cover — verify before submission.

NLV via US Consulate?

Send us your consulate and appointment date — we will help you prepare the insurance certificate correctly. Seven days a week.

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Do I Apply Through BLS or the Consulate?

Currently the Spanish visa infrastructure in the USA is heavily BLS-based. For all major US consulates, BLS International handles the front-end submission process before the application is forwarded to the relevant Spanish Consulate for assessment. The Consulate makes the decision; BLS is the submission centre.

ConsulateSubmission pointBLS guide
New YorkBLS New YorkBLS New York
BostonBLS BostonBLS Boston
ChicagoBLS ChicagoBLS Chicago
MiamiBLS MiamiBLS Miami
HoustonBLS HoustonBLS Houston
Los AngelesBLS Los AngelesBLS Los Angeles
San FranciscoBLS San FranciscoBLS San Francisco
Washington DCBLS Washington DCBLS Washington DC
San Juan (Puerto Rico)Submission route under verification — check current consulate website

For an overview of the US BLS network, see our BLS Spain Visa Centres USA hub guide.

US consulate network overview

The Spanish consular network in the USA includes Consulates General in New York, Los Angeles, Miami, Chicago, Houston, San Francisco, Boston and San Juan, plus the Spanish Embassy in Washington DC which also provides consular services. Each consulate handles applicants from a defined catchment area.

Catchment is normally based on state of legal residence, not on geographic preference. Submitting to the wrong consulate may result in rejection or redirection to the correct consulate. Catchment areas can shift over time — always confirm against the current consulate website before booking.

Spanish consulates in the USA — directory

ConsulateAddressStates typically coveredMap
New York150 East 58th Street, 30th Floor, New York, NY 10155NY, NJ, CT, DE, PAMap
Los Angeles5055 Wilshire Blvd, Suite 960, Los Angeles, CA 90036Southern CA, NV, AZ, NM, CO, UT, HIMap
Miami2655 LeJeune Road, Suite 203, Coral Gables, FL 33134FL, GA, SC, NC, AL, MS, TN, VA (parts), WV, KY, AR, LAMap
Chicago180 N Michigan Avenue, Suite 1500, Chicago, IL 60601IL, IN, OH, MI, WI, MN, IA, MO, KS, NE, ND, SDMap
Houston1800 Bering Drive, Suite 660, Houston, TX 77057TX, OK (parts)Map
San Francisco1405 Sutter Street, San Francisco, CA 94109Northern CA, OR, WA, ID, MT, WY, AKMap
Washington DC2375 Pennsylvania Avenue NW, Washington DC 20037DC, MD, VA (parts)Map
Boston31 St James Avenue, Suite 905, Boston, MA 02116MA, ME, NH, VT, RIMap
San JuanEdificio Mercantil Plaza, Suite 1101, Hato Rey, San Juan, PR 00918Puerto Rico, USVIMap

Important: catchment areas can shift. Currently the table above reflects typical jurisdiction patterns, but confirm against the current consulate website for your state before booking your appointment. Addresses are subject to change — verify before travel.

Wrong consulate = possible rejection or delay

Spanish consulates handle applicants from defined catchment areas. Submitting to a consulate outside your jurisdiction can result in rejection, delay, or being redirected to the correct consulate. Practical implications:

  • Your state of legal residence determines which consulate handles your NLV application.
  • Booking an appointment at a consulate outside your jurisdiction wastes time and may invalidate the file.
  • If you have moved between states, the consulate covering your current residence handles the application — not the one you previously used.
  • Catchments can change. Verify the current jurisdiction before booking.

Why your consulate matters for NLV insurance wording

The certificate is the same product structurally regardless of consulate (Spanish-licensed insurer, sin copago, sin carencias, annual, NLV reference). What varies by consulate:

  • Repatriation expectations: Miami, San Juan and several other US consulates commonly expect repatriation cover referenced on the certificate. Others may not specifically require it but typically accept it.
  • Bilingual vs Spanish-only certificate preference: most US consulates accept bilingual Spanish/English certificates; some prefer Spanish-only.
  • Payment evidence scrutiny: US consulates commonly request the receipt showing annual upfront payment.
  • Certificate format preferences: some consulates have specific format expectations for how compliance markers appear on the document.

For these reasons, telling us your specific consulate at quote stage lets us tailor the certificate format and content accordingly.

New York consulate

Spanish Consulate General in New York. Currently covers New York, New Jersey, Connecticut, Delaware and Pennsylvania.

Address: 150 East 58th Street, 30th Floor, New York, NY 10155.
Open in Google Maps.

NLV applications from the catchment states route here. The NY consulate is one of the busiest US consulates — appointment wait times can be substantial. Plan ahead. Include repatriation cover on the certificate as the safer default.

Los Angeles consulate

Spanish Consulate General in Los Angeles. Currently covers Southern California, Nevada, Arizona, New Mexico, Colorado, Utah and Hawaii.

Address: 5055 Wilshire Boulevard, Suite 960, Los Angeles, CA 90036.
Open in Google Maps.

Note that California is split between LA (Southern CA) and San Francisco (Northern CA) — check the boundary line for your county. NLV applications follow the standard compliance markers.

Miami consulate

Spanish Consulate General in Miami. Currently covers Florida, Georgia, South Carolina, North Carolina, Alabama, Mississippi, Tennessee, parts of Virginia, West Virginia, Kentucky, Arkansas and Louisiana.

Address: 2655 LeJeune Road, Suite 203, Coral Gables, FL 33134.
Open in Google Maps.

Miami serves a wide southern-US catchment. Repatriation cover is commonly expected on the certificate.

Chicago consulate

Spanish Consulate General in Chicago. Currently covers Illinois, Indiana, Ohio, Michigan, Wisconsin, Minnesota, Iowa, Missouri, Kansas, Nebraska, North Dakota and South Dakota.

Address: 180 North Michigan Avenue, Suite 1500, Chicago, IL 60601.
Open in Google Maps.

Chicago covers a large Midwest region. NLV compliance markers as standard.

Houston consulate

Spanish Consulate General in Houston. Currently covers Texas and parts of Oklahoma.

Address: 1800 Bering Drive, Suite 660, Houston, TX 77057.
Open in Google Maps.

NLV from the Texas catchment routes here.

San Francisco consulate

Spanish Consulate General in San Francisco. Currently covers Northern California, Oregon, Washington, Idaho, Montana, Wyoming and Alaska.

Address: 1405 Sutter Street, San Francisco, CA 94109.
Open in Google Maps.

Pacific Northwest applicants typically route to San Francisco. NLV compliance markers as standard.

Washington DC embassy

Spanish Embassy in Washington DC. Provides consular services for residents of DC and parts of Maryland and Virginia.

Address: 2375 Pennsylvania Avenue NW, Washington DC 20037.
Open in Google Maps.

Some Virginia residents may route to Miami depending on county; confirm jurisdiction before booking.

Boston consulate

Spanish Consulate General in Boston. Currently covers Massachusetts, Maine, New Hampshire, Vermont and Rhode Island.

Address: 31 St James Avenue, Suite 905, Boston, MA 02116.
Open in Google Maps.

New England NLV applicants route here.

San Juan consulate (Puerto Rico)

Spanish Consulate General in San Juan. Currently covers Puerto Rico and the US Virgin Islands.

Address: Edificio Mercantil Plaza, Suite 1101, Avenida Ponce de León 2, Hato Rey, San Juan, PR 00918.
Open in Google Maps.

Repatriation cover commonly expected for San Juan applications.

Cover requirements commonly expected

Across US consulates, NLV cover should be:

  • Spanish-licensed insurer (DGSFP)
  • Comprehensive cover
  • Sin copago on key cover lines
  • Sin carencias on key cover lines
  • Annual term
  • Repatriation cover (some consulates request or expect it — check current checklist)

Most Spanish Consulates require health insurance that complies with Spanish visa requirements. Many applicants choose a Spanish-licensed insurer (with DGSFP authorisation) because these policies are specifically designed to meet Non-Lucrative Visa and Digital Nomad Visa requirements. Cover from US-based insurers, or multi-national insurance brands without specific Spanish DGSFP authorisation, may not meet the visa requirements.

NLV insurance document pack

For NLV at US consulates:

  • Certificate: insurer-issued, NLV reference, compliance markers, US passport details
  • Policy schedule: backing document
  • Proof of payment: receipt showing annual premium paid
  • Repatriation wording: commonly expected at US consulates
  • Applicant passport details: US passport matching certificate

Bilingual format (Spanish/English) commonly accepted. See our NLV certificate guide.

Payment evidence — why annual upfront is safest

For NLV visa applications, the safest approach is normally to include proof that the first 12 months of the health insurance policy have been paid upfront. Some policies may allow split payment, depending on the insurer and product, but visa applicants should be careful: a certificate supported only by a first monthly payment can create avoidable questions or rejection risk at consulate stage.

Payment options for visa-style policies: Spanish or EU IBAN, bank transfer, or credit/debit card. Annual upfront payment by credit/debit card is the cleanest route for visa files. Two-payment instalments may be available where a Spanish bank account is in place.

Repatriation considerations

Many applicants choose policies including repatriation cover because some consulates request it or expect it as part of a visa-compliant policy. Requirements can vary and should always be checked against the current consulate checklist. See our repatriation guide.

Appointment timing across time zones

Spanish insurer business hours are CET (Madrid time). For US applicants:

  • East Coast (NY, Miami, DC, Boston, San Juan): Spain typically 6 hours ahead. Spanish business day finishes around midday US East Coast time.
  • Central Time (Chicago, Houston): Spain typically 7 hours ahead.
  • Mountain Time (Denver, parts of CO/UT/NM): Spain typically 8 hours ahead.
  • Pacific Time (LA, SF, Seattle): Spain typically 9 hours ahead. Spanish business day finishes around early morning US Pacific time.

Allow buffer for processing. For tight timelines, contact us early in your day to maximise the available processing window.

What can cause rejection?

  • Health insurance that does not meet Spanish visa requirements (e.g. US-based plans without Spanish DGSFP authorisation)
  • Multi-national insurance brands without Spanish DGSFP licensing
  • Travel insurance
  • Submitting to the wrong consulate (outside your state catchment)
  • Copago, carencias
  • Monthly-only receipt
  • Missing annual period
  • Missing repatriation where the consulate’s current checklist requires it
  • Generic certificate without NLV reference

Common mistakes

  • Using a health insurance plan that does not meet Spanish visa requirements (e.g. US-based plans without Spanish DGSFP authorisation)
  • Multi-national insurance brands assuming they qualify (need Spanish DGSFP specifically)
  • Travel insurance
  • Wrong consulate (outside state catchment)
  • Con copago policy
  • Missing sin carencias
  • Missing repatriation
  • Monthly payment with first-month receipt only
  • Generic certificate without NLV reference

Why applicants choose 247 Expat Insurance

247 Expat Insurance prepares Spanish-licensed NLV certificates for US applicants tailored to each consulate’s typical preferences. Send us your consulate, appointment date, ages and visa route — we’ll prepare the insurance pack correctly. Seven days a week. Contact us via contact, quote form or WhatsApp. Related guides: NLV requirements, NLV cost, proof of payment, repatriation, sin copago, sin carencias, pre-existing, over 70, without NIE, monthly payment, visa rejected, NLV certificate, London, Manchester, Edinburgh, Dublin, visa health insurance hub.

FAQs

Can I use US health insurance for NLV?

Most Spanish Consulates require health insurance from an insurer holding Spanish DGSFP authorisation, with policy features aligned to the visa requirements. US-based insurers and multi-national brands without specific Spanish DGSFP licensing may not meet these requirements.

Which US consulate should I use?

Use the consulate covering your state of legal residence. Submitting to the wrong consulate may result in rejection or redirection to the correct consulate. Catchment areas can shift — confirm against the current consulate website before booking.

What happens if I submit to the wrong consulate?

Possible rejection, delay, or redirection to the correct consulate. The appointment slot may be lost. Verify jurisdiction before booking.

Does the US consulate require sin copago?

Commonly yes across all US consulates.

Does the US consulate require sin carencias?

Commonly yes on key cover lines.

Does the US consulate require repatriation?

Some consulates request or expect it as part of a visa-compliant policy. Requirements can vary — check the current consulate checklist.

Can I pay with a US credit card?

Yes — Visa and Mastercard from US issuers are typically accepted by Spanish insurers for annual upfront payment. Payment options for visa-style policies: Spanish or EU IBAN, bank transfer, or credit/debit card.

Should I pay annually upfront?

For NLV at US consulates, certificate + proof of annual payment upfront is normally the safest approach.

Should the certificate be bilingual?

Bilingual (Spanish/English) commonly accepted at US consulates.

What identifier on the certificate?

US passport number for consulate-stage application.

How fast can the certificate be ready?

Standard: 1 business day. Time zone differences can shift to next business day. With conditions: 2–5 business days.

What if I’ve moved between states?

The consulate covering your current state of legal residence handles the application — not the one you previously used.

Do I need to provide an address in Spain?

Spanish address is normally part of the NLV file generally; the insurance certificate can be issued with passport details before NIE. Confirm consulate specifics.

What about apostille?

Insurance certificates from Spanish-licensed insurers typically don’t require apostille. Other NLV documents (background checks, financial evidence) may require apostille — confirm with consulate.

What about NLV renewal applications?

NLV renewal is at Extranjería in Spain after arrival — not at the US consulate. See renewals guide.

What if I’m over 65?
What if I have pre-existing conditions?
What if my US insurance is rejected?

Replace with Spanish-licensed cover and resubmit within the consulate’s deadline. Most common US rejection scenario. See rejection guide.

Can I include all family members on one certificate?

Yes — family policies cover multiple members under one certificate.

How current are the addresses?

Addresses reflect the typical published consulate locations but can change. Verify against the current consulate website before travel.

Send us your consulate, appointment date, ages and visa route

We’ll prepare the insurance pack correctly for your US consulate — with repatriation cover and the right certificate format for the consulate’s typical preferences.

Get a QuoteTalk to an Adviser