Studying abroad is an exciting adventure for anyone and an excellent opportunity for personal growth and cultural enrichment.
However, it is essential to make some arrangements before embarking on this adventure, to make sure that nothing will overshadow such an unforgettable experience.
In order to prioritize your health, calm, and well-being, you must make sure you have the right insurance coverage during your stay as an international student in Spain.
In this article, we will explore the options available and help you determine the best insurance for international students in Spain.
Travel insurance for international students in Spain
The best insurance for international students in Spain depends on the length of the stay.
Living abroad for a short time might be challenging, but travel insurance packages often address all the needs related to this matter.
However, if you plan to study in Spain for an extended period, a health insurance plan for residents in Spain may offer more comprehensive coverage and better value for money. Furthermore, comprehensive medical insurance may be one of the requirements to obtain a student visa.
What does travel insurance include?
These policies typically provide coverage for medical assistance and may also include some extended coverage related to legal aspects and travelling issues, making them suitable for short-term stays abroad.
When selecting travel insurance, read the policy terms and conditions carefully to understand the coverage limits, exclusions, and claim procedures.
Look for a policy that includes coverage for medical expenses related to accidents, illnesses, and emergencies, as well as other benefits such as trip cancellation or interruption coverage.
Some travel insurance policies focus more on transportation issues, such as trip cancellations or delays, or lost luggage. Although it also includes some basic medical assistance and translation services, the best insurance for international students who are staying longer in Spain is private health insurance.
Health insurance for International Students in Spain
Do International Students have Access to Public Health Insurance in Spain?
Spain boasts a universal healthcare system that provides coverage to its residents, including international students from the European Union (EU) and European Economic Area (EEA) countries.
If you’re an EU or EEA student, you may be eligible for public health insurance through the Spanish National Health System (SNS).
This coverage typically includes medical consultations, hospital stays, and emergency care, with minimal or no out-of-pocket expenses. Just make sure you apply for your European Health Insurance Card (EHIC) before you travel.
However, if you are from a non-EU/EEA country, you may not be eligible for public health insurance in Spain.
Should International Students in Spain Get Private Health Insurance?
Firstly, private health insurance is a must for international students who are not eligible for public health coverage in Spain.
Many insurance companies offer tailored plans specifically designed for students studying abroad. These plans often provide comprehensive coverage, including medical consultations, hospitalization, emergency care, and prescription medications.
On the other hand, it is interesting to consider private health insurance even when being eligible for public health insurance to get full coverage and more immediate attention in some cases.
When choosing private health insurance, consider factors such as coverage limits, excesses, waiting periods, and premiums. Look for a plan that balances affordability and comprehensive coverage, ensuring you have access to quality healthcare services any time you need them.
Choose a reliable insurance broker
All in all, the most important thing about insurance is that you feel safe all the time and find the right assistance when you require it, efficiently and quickly. This is why many people choose to work with a reliable insurance broker, so they have someone to rely on.
Insurance brokers are perfect for international students in Spain, for they offer guidance all the way through the process and help you choose tailored coverages and policies so you can easily get the perfect insurance for your particular situation.
In Just Insurance we have a specialized team that understands perfectly the needs of expatriates and international students in Spain, so we offer a helping hand to ensure our clients comprehend the terms and conditions of their policies and how insurance works in Spain, eliminating language barriers and making all the process smooth and easy.
Find the right insurance partner and forget about everything except enjoying your unforgettable stay as an international student in Spain!
