- Valencia, Spain 46002
- support@unitedexpatinsurance.com
- +34 963 791 452
Expat Insurance Spain
Expat Insurance in Spain for Health, Home, Car, Life, Travel & Business Cover
Insurance for expats, foreign residents and international families in Spain — structured around your residency, property, vehicles, family protection and long-term plans.
- Independent insurance broker regulated in Spain — DGSFP No. F3480
- Independent advice · Regulated insurers · Real people
Insurance options
Insurance in Spain for Expats
Why expats trust UEI
Independent Insurance Advice in Spain
UEI is an independent insurance broker regulated in Spain by the DGSFP.
We advise expats and international residents on suitable insurance solutions with authorised insurers, providing clear, impartial guidance before and after purchase.
Independent advice based on your needs, not insurer quotas
Regulated in Spain by the DGSFP — registration F3480
English & Spanish support
Long-term advisory approach
Clear, structured insurance guidance
Trusted insurers
Authorised Insurance Companies for Expats in Spain
All insurance companies we work with are authorised to operate in Spain under the Spanish insurance regulatory framework — DGSFP, ensuring consumer protection, clarity and security.
Visa requirements
Health Insurance for Spanish Visas
Private health insurance is required for many Spanish long-stay visas and residence applications, with conditions depending on the visa type.
UEI provides visa-compliant health insurance options for applicants, including digital nomads, retirees, students and other international residents.
Who we support
Insurance for Expats, International Residents & Non-Residents in Spain
UEI works with expats, international residents and non-residents at different stages of living, relocating, working or owning property in Spain.
- Expats living in Spain
- Expats moving to Spain
- Digital nomads and remote workers
- Retirees and long-term residents
- Students and young professionals
- Families relocating to Spain
- Non-resident property owners
- Visa applicants preparing residency documentation
Simple process
How to Arrange Expat Insurance in Spain
01. Tell us your situation.
Short form. Clear questions. No obligation.
02. We assess suitable insurers.
Only regulated insurers and coverage options that match your profile.
03. You choose with clarity.
No jargon. Clear explanations of key exclusions and conditions.
04. Ongoing support.
Renewals, claims and long-term portfolio management.
Get covered
Get Your Expat Insurance Quote for Spain
We review every request personally — no automated quotes.
After submitting, please check your inbox and spam/junk folder for our reply.
Postal Address
Apartado de Correos 403, 46002 Valencia, España.
Contact
support@unitedexpatinsurance.com
WhatsApp
Direct conversation
(+34) 963 79 14 52
Guides & resources
Insurance & Relocation Guides for Expats in Spain
Explore practical guides covering insurance, relocation and everyday life in Spain for expats and international residents.
Expat Insurance Guide Spain
Moving to Spain Checklist
Moving to Spain from the US
Living in Spain as An Expat
Real experiences
What Clients Say
Thanks for the excellent customer service. I can already tell I made the right choice by choosing your company.
We’ve had United Expat Insurance for a long time. Excellent customer service — we love being able to just pick up the phone and call our broker for an immediate and helpful response. We’ve made a few insurance claims, and the process has always been easy and hassle-free. Highly recommended.
We’ve been with United’s expat insurance for years. Great service, fast responses, and smooth claims every time. Totally recommend them.
Common questions
FAQs — Expat Insurance in Spain
1.What does expat insurance in Spain cover?
Expat insurance in Spain typically includes private health insurance, home insurance, car insurance, life insurance, travel insurance, funeral plans, pet insurance and business insurance.
The right insurance structure in Spain for expats depends on your residency status, visa requirements, property ownership, vehicle use, family situation and long-term plans in Spain.
For a complete overview of the main insurance types, legal requirements and how policies work together in Spain, see our Expat Insurance Guide Spain.
2.Is private health insurance required for Spanish residence visas?
Yes. Most Spanish residence visas require private health insurance with:
- no copayments
- no waiting periods
- full hospital and specialist coverage
- nationwide validity in Spain
- an insurer authorised to operate in Spain
This is especially important for non-EU visa applicants.
3.Can UEI manage several insurance policies for the same client?
Yes. As an independent insurance broker in Spain, United Expat Insurance helps clients compare suitable policies, arrange cover with authorised insurers and manage support related to documentation, renewals, claims and long-term insurance planning in Spain.
The objective is not only to issue a policy, but to make sure the coverage is correctly structured for your situation.
4.How much does insurance for expats in Spain cost?
The cost of insurance in Spain for expats depends on the type of insurance, coverage level and risk profile.
Health insurance, home insurance, car insurance, life insurance and business insurance are priced differently. Age, location, property value, vehicle details, medical profile and business activity can all affect the final premium.
5.Can expats use public healthcare in Spain?
Some expats can access public healthcare in Spain if they are registered with Spanish Social Security or qualify through another legal route.
However, many non-EU residents need Spanish private health insurance first, especially during visa applications and early residency.
6.Can self-employed expats and freelancers get insurance in Spain?
Yes. Self-employed expats, freelancers and autónomos can arrange business insurance in Spain.
Depending on the activity, this may include professional liability, public liability, cyber risks insurance, equipment cover or combined business protection.
7.Can foreigners and non-residents get insurance in Spain?
Yes. Foreigners and non-residents can obtain insurance in Spain, although the available options depend on the type of insurance, residency status, the asset or risk being insured and the insurer’s eligibility requirements.
Non-residents commonly arrange home, car, travel and other insurance in Spain. Requirements may vary depending on factors such as property use, vehicle registration, country of residence and supporting documentation.
8.Does insurance in Spain cover me outside the country?
Some policies include limited international coverage, but most insurance in Spain is designed for use within the country. Expat travel insurance in Spain is required for protection abroad, particularly for medical emergencies and repatriation.
Always check territorial limits before relying on a policy outside Spain.
9.What documents do expats usually need to arrange insurance in Spain?
The documents required depend on the type of insurance, but expats commonly need to provide a passport or NIE/NIF, contact details, an address in Spain and information about the person, property, vehicle or risk being insured.
Depending on the policy, insurers may also request driving licence details, vehicle registration, property information, medical information, valuations or previous insurance history.
10.Do you provide support during claims?
Yes. United Expat Insurance provides support during claims by helping clients understand the required documents, communicate with the insurer and follow the claim process correctly.
Live confidently in Spain — with insurance structured for your situation.
Clear advice. Proper coverage. Independent guidance.
- No pressure · Real advisors · Fully regulated