About My Spanish Insurance

My Spanish Insurance is an English-language insurance resource for people living in, moving to or owning property in Spain. The site explains how cover works here — in plain English, with the Spanish terms alongside — and gives you one place to ask for a quote without translating a form first.

Why the site exists

Insurance in Spain is not difficult, but it is unfamiliar. The documents are in Spanish, the concepts do not map neatly onto the ones people arrive with, and the words that matter most — franquicia, carencia, copago, baremo — are the ones a translation app handles worst. People end up guessing at a policy they are legally committing to.

Most of what goes wrong is not a pricing problem. It is a reader who did not know that the duty on a health questionnaire is tied to the questions the insurer asks — and that if something asked about goes undeclared a claim may be reduced proportionally, with total release from paying reserved for fraud or gross fault — or that a home insured below its real value can have a claim reduced in the same proportion, or that the notice period for stopping a renewal is not the same for you as it is for the insurer. Those things are knowable in advance. That is what the guides are for.

What we cover

Eight products, and only eight: health, dental, car, motorbike, home, travel, pet and funeral insurance. If something is not on that list, we do not cover it and we will say so rather than send you somewhere vague.

Health insurance is the largest part of the site because it is the one with the most at stake — it carries visa and residence requirements, medical underwriting and waiting periods, and the consequences of getting it wrong are the most expensive.

How the site works

Every page is written to answer the question at the top of it before it does anything else. Where a rule comes from Spanish law, we say which law, and we say when it was last reviewed. Where a requirement is set by a consulate or an authority rather than by an insurer, we say that too, and we tell you to check the current published checklist rather than trust a page that could be six months old.

When you send an enquiry, you give us the details on the form and an English-speaking person replies with the options that apply to your situation, and the conditions and exclusions that come with them. There is no automated pricing engine behind the form and no instant premium — a real reply takes a little longer and is worth more.

What we will not do

• We do not claim to search the whole market, and we do not publish comparison tables of other companies' products.
• We do not use "best", "cheapest" or "guaranteed". Those words mean nothing in insurance and they are usually a sign that something has been left out.
• We do not tell you a policy covers everything. Every page states the exclusions as plainly as the cover.
• We do not suggest that insurance decides a visa application. It is one requirement among several, and no policy or certificate changes the outcome.

Accuracy, and how to tell us we are wrong

Pages carry a review date, and the ones that touch law, health or a visa carry a named reviewer. Spanish insurance rules change and consulate checklists change more often than that. If you find something on this site that is out of date or simply wrong, tell us and we will correct it — an error we know about is a fixable problem, and one we do not is a reader misled.

Nothing here is legal, immigration, tax or financial advice, and it is not a recommendation of a particular policy or insurer. It is background, written so that you can have a better conversation about your own circumstances.