Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“Spain requires health insurance “contracted with an insurance entity authorized to operate in Spain” for the non-lucrative and digital-nomad visas — with no deductible, no copayment, no waiting period and no coverage limit. Most international policies fail this rule on registration grounds.”
Official source: Consulates General of Spain (Los Angeles & London) — official visa requirements — Last verified:
The honest price answer for Spain
Regency prices by rate region, and all eight destinations we cover, including Spain and Portugal, sit in the same EU region. So the Spain from-price for an 18 year old starts at $392 a year for Essential, rising through $721 for Major Medical, $1,133 for Standard and $1,525 for Comprehensive, up to $1,906 a year for Fully Comprehensive.
That part is straightforward. The harder part is that Spain's non-lucrative and digital nomad visas require an insurer authorized to operate in Spain, with no deductible, no copayment, no waiting period and no coverage limit. Most international policies fail on registration grounds, and travel insurance is refused outright. Price and compliance have to be answered together, not separately.
Real examples by age
Here is what three real applicant ages pay across all five tiers, shown as the annual price with the insurer's real monthly-billing installment beside it.
| Age | Essential | Major Medical | Standard | Comprehensive | Fully Comprehensive |
|---|---|---|---|---|---|
| 40 | $589/yr ($57/mo) | $1,081/yr ($104/mo) | $1,804/yr ($174/mo) | $2,475/yr ($239/mo) | $3,094/yr ($299/mo) |
| 55 | $926/yr ($90/mo) | $1,701/yr ($164/mo) | $3,199/yr ($309/mo) | $4,334/yr ($419/mo) | $5,418/yr ($524/mo) |
| 65 | $1,731/yr ($167/mo) | $3,180/yr ($307/mo) | $5,367/yr ($519/mo) | $6,917/yr ($669/mo) | $8,646/yr ($836/mo) |
Essential is available to age 80. Every other tier is available to age 70. Confirm the Spain-compliant arrangement on your quote call before you rely on it.
Family pricing for children
Children aged 0 to 17 are not priced by exact age. Each child is charged one flat annual rate per tier, added on top of each adult's age-based price.
| Tier | Flat annual rate per child |
|---|---|
| Essential | $308/yr |
| Major Medical | $566/yr |
| Standard | $853/yr |
| Comprehensive | $1,151/yr |
| Fully Comprehensive | $1,439/yr |
For a family, the fastest way to see a real total is the pricing calculator, which computes your exact household price by each member's age and applies these household rules automatically.
Annual vs monthly billing and your next step
Annual billing is always the cheapest way to pay. The monthly figures on this page are the insurer's real monthly-billing installments, with loading built in, not the annual price divided by twelve.
We arrange cover through a Spain-compliant arrangement confirmed by our underwriting partner (confirmed July 2026); a person checks the certificate wording against your consulate's checklist before you buy. Confirm the Spain-compliant arrangement on your quote call before you rely on it.
See your exact number on the pricing calculator, compare tiers on the comparison page, or confirm the right cover on a quote call.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.