Insurance in Madrid, explained in English
Buying insurance in a country whose rules you are still learning is where most people overpay — or find out too late that they were not covered. We are an independent broker in Madrid: we compare 12 insurers and tell you, in plain English, what you actually need.
Tell us what you need
We will call you back today during working hours. No cost, no obligation.
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We will call you back today during working hours. If it is urgent, call us on 649 384 702.
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What we can arrange for you
These are the covers international residents in Madrid ask us about most. Everything is arranged through us at no extra cost — we are paid by the insurer, not by you.
Health insurance for your visa
The one that gets applications rejected. Spanish immigration requires full private cover with no co-payments, no waiting periods and no annual cap. We know which policies meet the requirement and which look cheaper but get refused.
Home insurance
Whether you own or rent. In Spain the most common claim by far is water damage to the neighbour below, and your liability for it. If you have a mortgage, the bank can require cover — but it cannot force you to buy it from them.
Life insurance
Usually taken out alongside a Spanish mortgage. Same rule as above: the bank cannot oblige you to take its own policy, and shopping around normally saves a significant amount over the life of the loan.
Travel insurance
Medical assistance abroad, cancellation and luggage. Also the right product for a short Schengen tourist visa, which asks for at least 30,000 euros of medical cover — a different requirement from residency.
Business & liability
If you are self-employed or run a company here: professional indemnity, public liability, office or shop cover and cyber. Many Spanish clients and public tenders will ask you to show a liability policy before they hire you.
Reviewing what you already have
Send us the policy you signed when you arrived. We will tell you what it really covers, what is missing, and whether it is worth changing. Often it is not — and we will say so.
Health cover for a Spanish visa: the part people get wrong
This is the single most common reason we get called. Someone buys a policy that looks like it fits, submits the residency application, and it comes back rejected — often weeks later, with the visa appointment already gone.
For a non-lucrative, student, digital nomad or general residency visa, the Spanish authorities ask for private health insurance that:
- is with an insurer authorised to operate in Spain;
- has no co-payments — you must not pay per visit;
- has no waiting periods, so cover is effective from day one;
- has no annual limit on the amount covered;
- is valid for the entire length of the permit you are applying for.
Short tourist stays are a different thing
If you are coming to Spain for under 90 days on a Schengen tourist visa, the requirement is much lighter: a travel policy with medical cover of at least 30,000 euros, valid across the Schengen area, including repatriation. Do not buy a full residency health policy if this is all you need.
Tell us which permit you are applying for and we will tell you exactly which policies qualify, and what they cost. We do this every week.
Why use a broker rather than going direct
In Spain there is a legal difference between an agente, who works for one insurance company, and a corredor or broker, who is legally required to advise you impartially across the market. We are the second kind, registered with the DGSFP — Spain's insurance regulator — under number J4540.
That difference matters most at two moments. When you buy, because we compare the wording and not just the price: two policies at the same premium can cover very different things, and the exclusions are where that shows. And when you claim, because we deal with the loss adjuster and chase the insurer on your behalf, rather than leaving you to argue in Spanish with a call centre.
What it costs you
Nothing. Our commission is paid by the insurer and is already included in the premium you would pay anyway. You are not choosing between "cheap direct" and "expensive with advice" — you are choosing between doing it alone and having someone who does this daily.
Where we are
Our office is at Calle de Covarrubias 21, 28010 Madrid, in Chamberí. You are welcome to come in, but everything can also be handled remotely by phone, email or WhatsApp — which is how most of our international clients prefer it, including those still living abroad while their visa is processed.
Frequently asked questions
What health insurance do I need for a Spanish visa?
Does it cost more to use an insurance broker?
Can I get insurance in Spain without a NIE?
Do you speak English?
I already have a policy in Spain. Can you review it?
Not sure what you need?
That is exactly what we are for. Tell us your situation and we will come back with the options that actually apply to you — free, and with no obligation.
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