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:
Why this rule fails most international policies
“Authorized to operate in Spain” is a licensing test, not a quality test. It means the insurer is registered with Spain’s insurance regulator (the DGSFP). A worldwide policy with excellent benefits still fails if the insurer is not on Spain’s register — applicants report refusals over exactly this line, and over certificates showing any copayment or excluded condition.
That is why Spain pages across the internet push Spain-domestic insurers. The rule is real, and we quote it rather than talk around it.
How our arrangement clears it
Our underwriting partner has confirmed a Spain-compliant arrangement for visa applications (confirmed July 2026). What matters for your application is the certificate: it must show cover meeting Spain’s public-system risks with no deductible, no copayment, no waiting period and no coverage limit, from an entity that satisfies the authorization line.
A person checks the certificate wording against the consular checklist for your consulate before you buy — and if your case doesn’t fit the arrangement, we say so instead of letting you find out at the appointment.
The rest of the checklist
Beyond the insurer question, the consulates ask for one year of validity covering all beneficiaries on the application, full medical, hospital and out-of-hospital expenses, and expressly refuse travel insurance with medical cover.
If you are comparing Mediterranean routes before committing, Portugal’s D7 and Italy’s elective residence visa publish materially lighter insurance rules — worth weighing alongside taxes and lifestyle.
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.