• Single Trip - up to 90 days - to Spain
• Long Stay, Backpacker - 2 to 13 months - to Spain
• Annual Multi-trip Insurance - 31 days any one trip - to Spain
• Annual Multi-trip Insurance - 90 days any one trip - to Spain

For popular adventure sports, please refer to: Altitude Trekking BMX Biking Kickboxing Kitesurfing Mountain Biking Paragliding Scuba Diving Skydiving Windsurfing Winter Sports

Travel insurance - Spain

• Select area 1 Europe (as Spain is obviously within Europe).
• Insurance must be taken out BEFORE leaving the home country of residence.
• Pre-existing conditions are not covered. With a pre-existing condition the insurance is still effective except that any loss related to the condition is not covered.

Age Limits:

• For Single Trip insurance up to 90 days the age limit is under 65.
• For Annual Multi-trip insurance the age limit is under 71.
• For families, up to 6 children aged under 17 can be included - (6 same cost as for 1).
• Long Stay Backpacker insurance is only for adults aged under 40.
• Age limits apply, for annual insurance at the start date of the annual period, otherwise for single and long stay trips they apply at the start date of the trip.

Sports, activities and work : are divided into categories in the Schedule of Activities: (1) Holiday, (2) Work, (3) Winter Sports, (4) Medium Risk and (5) High Risk. As there is no extra charge, for more dangerous activities in categories (4) and (5) higher medical excess amounts apply, and there are some restrictions on cover. See our Schedule of Activities for details, via the sports & activities link or select links for specific activities.

Winter Sports activities are included at no extra charge within our High Risk category of activities. Although, conventional winter sports holiday cover is also optionally available for all short trip and 31 day annual insurance policies at additional cost, but is inclusive in the cost of the 90 day annual insurance policy. For more details, click the Winter Sports link under popular adventure sports.


Cover for skydiving and paragliding : Cover for these activities is not included initially on taking out insurance, but can be added any time later at the additional cost of €4.00 per day for actual day(s) of participating. For more details, click the skydiving or paragliding link under popular adventure sports.

This is travel insurance (for Irish residents) not activity top-up insurance, therefore the period of cover for underlying travel insurance must be for the whole duration of your trip, not just the days that will be participating.

Being aged 17 : Children aged 16 or under cannot travel independently but are eligible to be included in the insurance of parents or adults with whom they will travel. The age limit for adults under our travel insurance begins at age 17, which is ideal for those of that age who need to travel independently.

Healthcare considerations Holiday in Spain

Medical Treatment in Spain : For those eligible for cover under the European Health Insurance Card (EHIC) it is very important to make sure that the Qualified Medical Practitioner works within the Spanish national Health Service surgery "Consultorio", health centre "Centro Sanitario".

In Spain, before any treatment show your EHIC card if a doctor is called for a medical emergency. In Spain, doctors, hospitals, and health centres have different times for treating private and spanish health system patients. Beforehand, always make sure that treatment will be under the provisions of the EHIC provisions.

For travel in Spain, medicines prescribed by Qualified Medical Practitioners are available from any pharmacy "Farmacia", are at up to 40% of cost.

Be warned that under the terms of the Spanish health system private treatment is not covered.