Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“Spain’s student visa requires proof of public or private health insurance contracted with an insurance entity authorized to operate in Spain, covering all risks normally covered for nationals, with no deductible, copayment, waiting period or coverage limit — minimum €30,000, covering from one month before the programme start to 15 days after it ends. Travel insurance is not accepted.”
Official source: Consulate General of Spain in Los Angeles — official student-visa requirements — Last verified:
Spain's student visa rule, line by line
The Consulate General of Spain requires proof of public or private health insurance contracted with an insurer authorized to operate in Spain, covering all the risks normally covered for Spanish nationals, for the entire duration of your student authorization.
Four conditions are non-negotiable: no deductible, no copayment, no waiting period, and no coverage limit. The policy must pay 100% of medical, hospital, and out-of-hospital expenses, with a minimum sum insured of €30,000.
The line most students miss: cover must run from one month before your programme starts to 15 days after it ends, not just the term dates on your acceptance letter. And an insurance card alone is not accepted as proof; the consulate wants the certificate itself. See certificate wording for what that document must say.
Why most student policies fail this rule
University-arranged group schemes are often built for registration, not for the consulate. They satisfy the school's enrollment box but skip the four no's, the €30,000 floor, or the exact date window the consulate checks.
Travel insurance is the second trap. It is priced and underwritten for short trips, sold with exclusions, sub-limits, and waiting periods baked in; the Los Angeles consulate states plainly that travel insurance is not accepted for a student authorization.
Timing catches the rest. A policy that starts on your programme's first day, rather than one month earlier, or ends on your last exam rather than 15 days later, gets rejected on the date line alone; even when every other figure is correct. Read the visa insurance trap guide for the most common rejection patterns.
What we arrange for students
We arrange cover through a Spain-compliant arrangement confirmed by our underwriting partner (confirmed July 2026), sized from US$1,000,000 to US$2,000,000, with same-day cover and no medical exam; built to match the authorization dates your consulate checklist asks for.
A person checks the certificate wording against your consulate's checklist before you buy, because checklists vary by consulate and the Los Angeles version above is not universal. Pre-existing conditions are excluded and treatment inside the US is not covered, so weigh the terms alongside your Spain healthcare system options and run a policy check before relying on any certificate. A 14-day cooling-off period applies if your plans change. Confirm the Spain-compliant arrangement on your quote call before you rely on it.
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.