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 NHS and your move
NHS entitlement is based on living in the UK. Once you move to Spain, you are no longer resident there for NHS purposes, so the NHS does not cover you as a resident of Spain. Spain's own public healthcare system works differently, and residency there is what unlocks it, not your NHS number.
Since Brexit, UK citizens staying in Spain beyond the short-stay window need a long-stay visa: a non-lucrative visa if you are not working, or a digital-nomad visa if you work remotely. Insurance sits inside that visa file, and it is checked at application stage.
A GHIC or EHIC is designed for necessary care during temporary stays. It is not residence cover, and it is not what the visa file asks for.
Spain's rule, and the S1 honesty
Spain's requirement is specific: the policy must be contracted with an insurance entity authorized to operate in Spain, with no deductible, no copayment, no waiting period and no coverage limit. Most international policies fail on the registration point alone, since being authorized to sell insurance elsewhere is not the same as being authorized in Spain. Travel insurance is refused outright. This exact gap catches UK movers, so it is worth reading our guide on the visa insurance trap before you shop.
If you hold an S1 form registered with Spanish social security, that counts as public cover for some applicants, and it changes the picture. Where an S1 applies to your situation, we say so rather than sell around it.
What we arrange for UK movers
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, and if your case does not fit the arrangement, we say so up front.
Plans carry annual limits of US$1,000,000 to US$2,000,000, start the same day with no medical exam, and include a 14-day cooling-off period. Children aged 0 to 17 are covered at a flat rate per plan. Pre-existing conditions are excluded, stated plainly rather than buried, and treatment in the United States is not covered. New applicants are accepted up to age 70, or up to 80 on the Essential plan, which matters if you are moving into retirement.
Confirm the Spain-compliant arrangement on your quote call before you rely on it. Cover is with one insurer across all eight destinations we work with, so it moves with you if you relocate within them. Start on a quote call to check your case.
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.