Accident Insurance in Spain for Expats
Protect Your Income in Spain: Get 2+ English Quotes Within 24 Hours.
Accidents happen unexpectedly — whether at work, at home, or while enjoying life in Spain. With the right Accident Insurance, you’re protected from costly medical bills and loss of income so you can focus on recovery, not finances
24- hour Cover
Enjoy complete peace of mind with protection wherever you are—at work or in your free time.
This is our most comprehensive option, allowing you to go about your daily life without worrying about the financial impact of an accident.
Professional Cover
A cost-effective option that covers you during working hours only.
Ideal if your job involves travel or higher risk—such as driving frequently for work.
Personal Cover
Protection outside of working hours.
Perfect if you have a low-risk job but lead an active lifestyle, including sports or hobbies.
By limiting coverage to your personal time, you can reduce your premium.
Note: This is not Private Health Insurance. This provides cash directly to you to cover lost income and expenses if you are injured
FAQ
Unintentional: It wasn't planned or self-inflicted.
Fortuitous: It happened by chance (e.g., a fall, a car crash, or a sports injury).
Non-Medical: It was not caused by an underlying illness, disease, or natural aging process.
Note: Common examples include broken bones from a trip, burns, or stitches from a DIY mishap. Chronic back pain or a heart attack typically would not count.
No, accident insurance does not replace health insurance. They are designed to work together, but they serve very different purposes.
Think of it this way: health insurance pays the doctors, while accident insurance pays you
Why people have both
Most people use accident insurance as a supplement. If you have a high-deductible health plan, the cash from an accident policy can help you pay that deductible if you get hurt.
Important: Accident insurance will not cover you if you get sick (like the flu, cancer, or heart disease). If you drop your health insurance and only keep accident insurance, you are effectively uninsured for 90% of medical possibilities.
Receive your comprehensive quote within 24 hours, featuring a detailed breakdown of options from at least two leading insurers.
Most insurers allow you to add a spouse, partner, or children at any time during the year (known as a mid-term adjustment).
- Immediate Cover: For newborns, many policies offer a "grace period" where they can be added for free until your next renewal.
- Cost: Your premium will likely increase pro-rata for the remainder of the policy term.
- Eligibility: Children are usually covered until they are 18 (or up to 24 if they are in full-time education).
If you have an accident, you call us—not a Spanish call center. We handle the claims process in English to ensure you get paid fast
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Accident Insurance in Spain for Expats
Stay protected. Stay secure. Wherever life takes you.
Living in Spain offers an incredible lifestyle—but accidents can happen when you least expect them. Whether you're working, driving, or enjoying your free time, a sudden injury can quickly turn into a financial burden.
Accident Insurance gives you peace of mind, covering unexpected costs and protecting your income—so you can focus on recovery, not finances.
Get your personalised quote in minutes
Why Expats in Spain Choose Accident Insurance
Cover gaps not included in Spanish public healthcare-
Financial protection if you can’t work
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Support with private medical and hospital costs
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Flexible plans tailored to expat lifestyles
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English-speaking support and guidance
Cover gaps not included in Spanish public healthcareWhat Does Accident Insurance Cover?
Our policies are designed to support you when you need it most:
- Medical expenses and private hospital bills
- Fractures, injuries, and concussions
- ICU and hospital stays
- Emergency transport and ambulance costs
- Daily income if you’re unable to work
Flexible Cover Options to Suit Your Life in Spain
24-Hour Worldwide Cover
24-Hour Worldwide CoverFull protection—at work, at home, or enjoying life in Spain.
Perfect for expats who want complete peace of mind.
Work-Only (Professional Cover)
Work-Only (Professional Cover)Lower-cost cover while you’re working.
Ideal for expats with higher-risk jobs or frequent travel.
Personal Time Cover
Personal Time CoverProtection outside of work hours.
Great if you work in a low-risk job but enjoy sports or an active lifestyle.
Optional Extras for Extra Peace of Mind
Customise your policy with:
- Lump sum payment for accidental death
- Cover for your spouse/partner
- Temporary or permanent disability protection
- Daily income replacement during recovery
- Hospital cash benefit
- Ambulance and emergency transport costs
How Much Does Accident Insurance Cost in Spain?
Your premium depends on:
- Your age
- Your occupation (risk level)
- Waiting period (excess days)
- Level of cover you choose
We help you find the best value plan—not just the cheapest.
Do You Really Need Accident Insurance?
If you rely on your income in Spain, the answer is simple: yes.
Even a short time off work can impact your ability to pay rent, mortgages, or daily expenses.
With Accident Insurance:
- You receive daily compensation while recovering
- Cover can last up to 365 days
- Your family and finances stay protected
Why Use a Broker?
As expat specialists, we:
- Compare multiple insurers for you
- Explain everything in plain English
- Tailor cover to your situation in Spain
- Support you when you need to claim
Compare Top Insurers & Get Your Free Quote Today
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