Why Expats in Spain Need Insurance
Whether you’re relocating for work, retirement, or a new lifestyle, insurance is a legal and financial safeguard in Spain. As an expat, having the right insurance coverage is often:
-
Mandatory for residency or visa applications
-
Critical for protecting assets and health
-
Useful to prevent bureaucratic complications
At Borderless Lawyers, we help expats navigate Spain’s insurance system and connect with regulated providers across sectors.
🏥 Health Insurance for Expats
📌 Private Health Insurance
Most non-EU expats must show proof of full private health insurance with:
-
No copayments
-
Unlimited coverage in Spain
-
Emergency and hospitalization cover
📝 Required for:
-
Non-lucrative visa
-
Digital nomad visa
-
Family reunification
We help you select policies from approved Spanish or international insurers.
🏥 Access to Public Healthcare (Optional)
Once registered with Social Security (Seguridad Social), employed or self-employed expats can access Spain’s public system. You may still want supplemental private insurance for faster access to specialists and English-speaking doctors.
🏠 Home & Contents Insurance
If you’re buying or renting a home in Spain, insurance is often required by law or lenders.
🛡️ Building Insurance (Seguro de Hogar)
-
Covers damage to the property (fire, flood, natural disasters)
-
Required by banks for mortgage approval
🧰 Contents Insurance
-
Covers theft, break-ins, and damage to personal belongings
-
Can include liability for accidents inside the home
📍 Recommended for both homeowners and long-term tenants.
🚗 Car Insurance for Expats
Driving in Spain? You must have valid car insurance.
Types of Coverage:
-
🟢 Third-party liability (compulsory)
-
🔵 Third-party, fire & theft
-
⚪ Fully comprehensive (todo riesgo)
Foreign licenses and vehicles must often be registered in Spain after 6 months. We help with both vehicle registration and insurance onboarding.
👨👩👧👦 Life & Personal Insurance
Life insurance isn’t mandatory, but many expats choose it for:
-
Family security
-
Mortgage protection
-
Inheritance planning
We offer guidance on:
-
Term life policies
-
Whole life insurance
-
Beneficiary structure under Spanish succession laws
📌 Expats should also consider accident insurance and disability cover in self-employed or mobile work situations.
✈️ Travel & International Health Insurance
For frequent travelers and digital nomads:
-
Short-term or annual policies
-
Worldwide coverage, including repatriation
-
Add-ons like baggage loss and trip cancellation
🌍 We match expats with international insurers who offer multilingual support and accept non-resident applicants.
📋 Real Example: U.S. Retirees Securing Residency
A retired American couple relocating to Valencia needed insurance to support their non-lucrative visa. We:
-
Connected them with a DGS-approved private insurer
-
Reviewed policy terms for visa approval
-
Ensured pre-existing conditions were disclosed
✅ Result: Visa approved, residency secured, medical coverage in place.
💼 How Borderless Lawyers Supports You
We assist expats with:
-
✅ Choosing compliant health insurance
-
✅ Reviewing Spanish insurance policies
-
✅ Cross-border insurance claims
-
✅ Legal support for denied coverage
-
✅ Matching you with English-speaking brokers
🤝 Independent advice | 🧾 Regulatory compliance | 🇬🇧 English-language service
📞 Start with Expert Insurance Guidance in Spain
Whether you’re moving to Madrid, Barcelona, or the Costa del Sol, we help you secure the right insurance coverage for peace of mind and legal protection.