Spain's travel insurance rules: Can you be fined €6,900 for not having adequate coverage?

Spain may fine British holidaymakers up to €6,900 if they cannot produce proof of travel insurance covering medical costs. However, Spain's Ministry of Health states there are no regulations requiring tourists to purchase private health travel insurance to enter the country. The Ministry recommends having travel insurance with medical cover, especially for stays over 90 days or without a valid EHIC or GHIC.

Spain has recently implemented a new policy that may fine British holidaymakers up to €6,900 if they cannot produce proof of travel insurance covering medical costs. However, the Ministry of Health in Spain states there are no regulations requiring tourists to purchase private health travel insurance to enter the country [2]. The Ministry recommends having travel insurance with medical cover, especially for stays over 90 days or without a valid EHIC (European Health Insurance Card) or GHIC (Global Health Insurance Card) [2].

The new requirement aims to ease the strain on Spain's healthcare system by ensuring that all visitors have adequate medical coverage. According to the Health Minister, Carolina Darias, the new policy is designed to protect the health and safety of visitors and prevent the burden on the local healthcare system [2]. The cost of healthcare in Spain can be significant for tourists, and without proper insurance, travelers may face hefty medical bills in case of an emergency. For instance, a simple medical procedure could cost up to £10,000, while more extensive treatments could exceed £50,000 [2].

The Association of British Travel Agents (ABTA) has found that many travelers, particularly those in the 25-34 age group, tend to forgo purchasing travel insurance. This demographic represents a growing risk, as a lack of insurance could result in devastating financial consequences in the event of a medical emergency or other issues abroad [2]. Travel insurance serves as a safeguard against unexpected incidents and can provide financial protection in case of medical emergencies, flight cancellations, lost luggage, or other unforeseen events [2].

The new rules imposed by Spain serve as a stark reminder of the risks involved in traveling without insurance. With Spain’s healthcare costs being high, especially for tourists requiring emergency services, many travelers are unaware of the significant financial liability they may face in the absence of coverage [2]. The cost of healthcare for uninsured travelers can be far more than the price of an insurance policy, making it all the more important for travelers to secure appropriate coverage before setting out on their trips [2].

In light of these developments, it is crucial for British holidaymakers to review their travel insurance policies and ensure they have adequate medical coverage. When choosing travel insurance, travelers should carefully review their policy’s terms and conditions, particularly the medical coverage provided. It is essential to verify that the policy covers emergency medical expenses, hospitalization, repatriation, and any activities or sports that may be part of the trip [2].

References:
[1] https://www.facebook.com/Sheffield48/posts/we-posted-a-comment-earlier-today-about-a-new-requirement-by-spain-for-non-eu-travellers-to-have-health-insurance-before-visiting-the-country/1191233273017866/
[2] https://www.travelandtourworld.com/news/article/new-health-insurance-rules-for-uk-tourists-visiting-spain-essential-coverage-for-travelers-to-the-european-union-and-beyond/