Health insurance written for the Spanish Student Visa — consulate-compliant cover, zero co-payments, English-speaking team available 7 days a week.
Spain's long-stay student visa is usually required when your course or study programme lasts more than 90 days and you are not an EU, EEA or Swiss citizen. As part of the visa application, you normally need to provide proof of suitable health insurance.
This insurance should not be travel insurance. It should be proper health insurance that gives you access to healthcare in Spain during your stay. Spanish consulates may vary slightly in wording, but the core requirements are usually similar.
Consulate variation: Different Spanish consulates can ask for slightly different certificate wording and document formats. The UK, USA, Canada, Ireland and Australia may not all apply the requirement in exactly the same way. We help you check the insurance wording before you submit your application, so you are not left trying to fix the policy after your appointment.
Not every student stay is treated the same way. The key difference is usually the length of your course or stay in Spain.
If your course is under 90 days, you may not need a long-stay student visa. Depending on your nationality, you may be able to enter Spain under Schengen short-stay rules, or you may need a Schengen visa. For short stays, travel insurance may sometimes be enough, depending on your nationality and the consulate's rules. Always check the specific checklist before applying.
If your course is more than 90 days and you need a Spanish student visa, travel insurance is normally not enough. You will usually need proper health insurance that meets the consulate's student visa requirements. The safest policy is typically a Spanish private health insurance policy with no copayments, no deductibles, no waiting periods and a certificate suitable for visa submission.
EU students may have access to public healthcare through an EHIC for medically necessary public healthcare during temporary stays. However, EHIC does not replace private insurance where a student visa or institution requires private cover.
Non-EU students — including many UK, US, Canadian and Australian students — should not rely on EHIC, GHIC or home-country travel insurance for a Spanish long-stay student visa.
Tell us your age, nationality, study dates, where you will be studying in Spain, and which consulate or visa centre you are applying through.
We look at your study period, visa type and insurance requirements. The aim is to identify a policy that fits your student visa application and gives you healthcare cover in Spain.
Once you choose the policy, we help with the set-up process. Your cover should match the dates required by your visa application or study programme.
The insurer issues the insurance certificate. We help check that the certificate includes the key details you need — your name, cover dates, and policy information.
You include the insurance certificate with your student visa documents. Once your visa is approved and your cover starts, your health insurance is ready to use in Spain according to the policy terms.
Students coming to Spain for a university degree usually need insurance for the full academic period required by the visa. If your course lasts more than one academic year, you may need to renew your policy before extending your stay or renewing your student authorisation.
Language students often need cover that matches the exact course dates. Spanish language programmes can vary from a few months to a full academic year, so the insurance dates must be checked carefully before your visa appointment.
Erasmus and exchange students should check both visa requirements and university requirements. EU students may have EHIC rights, but non-EU students usually need private health insurance for a long-stay student visa.
Master's and postgraduate students often need a policy covering the full duration of the programme. If the course is longer than one year, renewal planning is important.
Private language schools, academies and professional training centres may require proof of insurance before enrolment. If the stay requires a visa, the policy must also satisfy the Spanish consulate.
We explain your options clearly in English, so you do not have to navigate Spanish insurance wording while also preparing your visa application.
Student visa appointments can come around quickly. We work to help you obtain the correct insurance documentation as quickly as possible once your policy is accepted and issued.
We help you understand what your consulate is likely to look for — no copayments, no waiting periods, full cover in Spain, and correct policy dates.
Student health insurance is often more affordable than wider expat or retirement health insurance because students are usually younger and require cover for a defined study period.
Student admin does not always happen Monday to Friday. Our team is available 7 days a week to help with quotes, questions and certificate support.
If your course continues or you extend your stay, we can help you renew or adjust your cover so there is no gap in your insurance.
Many students assume that an EHIC, GHIC or travel insurance policy will be enough. For long-stay Spanish student visa applications, this is often incorrect.
EHIC and GHIC cards are designed for medically necessary public healthcare during temporary stays. They do not usually provide the same type of private health insurance certificate required for a Spanish student visa.
Travel insurance is designed for temporary travel risks — emergencies, cancellations, lost luggage and repatriation. It is not normally accepted as long-stay student visa health insurance.
Some home-country policies may cover overseas emergencies, but that does not automatically mean they meet Spanish visa requirements. Spanish consulates may require a policy from an insurer authorised to operate in Spain and a certificate in the correct format.
Your policy should normally cover the full period required by your consulate, your visa, and your study programme.
For many students, this means the full academic year or the full course duration. If your course is longer than one year, you may need to renew the policy before renewing or extending your student authorisation.
The key point is that your certificate dates must match the requirements of your visa application. If your cover starts too late or ends too early, the consulate may ask for a corrected certificate.
Student visa health insurance is usually more affordable than many other private health insurance products because most student applicants are younger and require cover for a defined study period.
The exact price depends on:
You should avoid relying on generic price ranges. The safest approach is to request a personalised quote based on your age, course dates and visa requirements.
If your studies extend beyond your first visa period, your health insurance must usually remain active.
You may need renewal support if:
A lapsed policy can cause problems with renewal paperwork. We recommend checking your insurance expiry date early and renewing before there is any gap.
If you finish your studies and plan to remain in Spain under another residence route, your student policy may no longer be the right option. You may need a different health insurance policy suitable for your new immigration situation.
Some student visa applicants bring dependants, such as a spouse or children. If your dependants are included in the visa application, they will usually need suitable health insurance too.
The policy should clearly show who is covered and for what dates. Dependants may not always fit into the same student insurance product as the main applicant, so this should be checked before applying.
Yes, if you are applying for a Spanish long-stay student visa, you will normally need proof of suitable health insurance. The policy should usually be valid in Spain, cover the required study period, and meet your consulate's checklist.
A compliant policy is one that satisfies the requirements of the Spanish consulate handling your application — subject to your consulate's latest requirements. It usually means private health insurance from an insurer authorised to operate in Spain, with full cover, no copayments, no deductibles, no waiting periods, and correct certificate dates.
Yes, the safest approach is to use a no-copayment policy. Several Spanish consulates specifically state that the policy must not include copayments.
Usually not for a long-stay student visa. EHIC and GHIC cards are not the same as a private health insurance policy and do not normally provide the certificate required for a Spanish student visa.
Travel insurance is usually not suitable for a long-stay Spanish student visa. It is designed for temporary trips and emergency travel risks — not for living and studying in Spain.
Your policy should cover the period required by your consulate and study programme. For many students, this means the full academic year or full course period.
This depends on the insurer, policy acceptance, payment, and whether all information is complete. Straightforward applications may be processed quickly, but you should not leave insurance until the last moment before your visa appointment.
Yes. Many students arrange health insurance before arrival because the certificate is needed for the visa application.
You should disclose medical history honestly if asked. Depending on the policy and condition, the insurer may need to review your application, apply exclusions, request more information, or suggest another option.
Yes, where private insurance is needed. EU Erasmus students may have EHIC rights, but non-EU Erasmus or exchange students may need private health insurance for a long-stay visa.
Yes, language school students can usually get student visa insurance if their course and visa requirements match the policy.
You will usually need proof that your health insurance remains active. Renew your policy before it expires and make sure the updated certificate matches your renewal period.
Usually not indefinitely. Student policies are designed for study periods. If you remain in Spain after graduation under a work, residency, digital nomad or non-lucrative route, you may need a different policy.
Possibly, but dependants may need their own suitable policy. Tell us if your spouse, partner or children are included in the visa application so we can check the correct insurance route.
As early as possible once you know your study dates. This gives time to arrange the policy, check the certificate and fix any date or wording issues before your appointment.
Yes — different Spanish consulates can ask for slightly different certificate wording and document formats. We help you check the insurance wording against your specific consulate before you submit your application.
Our English-speaking team helps international students get suitable health insurance for Spain's student visa — quickly, clearly and without unnecessary stress. Tell us your age, course dates, study location and consulate, and we will help you find a suitable policy and certificate for your application.
Detailed guides for applicants in specific countries, by consulate, by submission centre, by visa route, by appointment city and by common problem.
