Medical insurance cover in Spain

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05 Feb 2019 7:53 PM by karisy Star rating. 11 posts Send private message


We live in the UK but, having both family & many friends in Spain, we have visited for 4 months a year for the last 15 years,  2 x 2 monthly stays in Spring & Autumn; sometimes staying with family but usually in rental accomodation.

We are both currently 69 but our travel insurance premiums have been rising dramatitaly each year over the last few years to the point where, once we hit 70 later this year, I fear our annual visits to Spain may no longer be economically viable.

My wife is “athlete fit” but I do have a couple of minor medical conditions. I was also diagnosed with prostate cancer 4 years ago but, having had the thing removed, on-going annual checks show it's no longer a problem; apart from that we are both healthy & fitter than most.

We are not bothered about insurance cover for flight cancellations, curtailment, loss of luggage, personal possessions etc, so I’m wondering if it’s possible to get insurance to cover us for medical emergency/treatment only during our annual 2 x 2 monthly visits to Spain?

I can’t imaging we are the only ageing folks in this position so any advice would be greatly appreciated.

body p

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06 Feb 2019 10:19 AM by Mickyfinn Star rating in Spain and France. 1836 posts Send private message

Currently the EHIC provides the cover Europe wide that you are seeking, free. Apply on line.

Time is the school in which we learn Time is the fire in which we burn. Delmore Schwartz.

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06 Feb 2019 10:52 AM by Kavanagh Star rating in Oil Drum Lane Newcas.... 1181 posts Send private message

Kavanagh´s avatar

Sometimes people have to learn to live within their means.


There is enough in the world for everyone, but not enough for the greedy!

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06 Feb 2019 5:25 PM by hugh_man Star rating in Kent/Roda . 1593 posts Send private message

hugh_man´s avatar

You are most certainly NOT the only people going through this situation, even after you are undergoing medication or treatment to rectify previous problems you must declare them and you are charged extra.

At present EHIC will most certainly cover all emergency treatment but NOT aftercare if required.

I believe there are insures who will cover with exclusions for preconditions, but any illness could be attributed to an existing condition.

It may be worth shoppng around for specialist Travel Insurance for elderly and preconditions, i found very useful but there are others.

ESure, All Clear, etc.

Standard Travel cover will be for 30 or maybe 45 days, more expensive if you require longer, try shorter trips?

You say you dont require certain cover but there have been some horror stories of fatalities with non insured individuals.

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17 Nov 2019 9:40 PM by bladeXcrasher Star rating. 3 posts Send private message

thanks for sharing!

This message was last edited by bladeXcrasher on 17/11/2019.

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