Is Travel Insurance Enough to Study in Spain?

Is Travel Insurance Enough to Study in Spain?

Many international students wonder if travel insurance is sufficient when applying for a Spanish student visa. After all, it’s widely available, often cheap, and sometimes even included with credit cards. But when it comes to Spanish immigration requirements, the answer is clear: travel insurance is not enough.

In this article, we explain why travel insurance won’t work for your visa, and what type of policy you really need.

What’s the Difference Between Travel Insurance and Student Health Insurance?

Travel insurance typically includes:

• Emergency medical assistance

• Lost baggage protection

• Trip cancellation coverage

It’s designed for tourists, not for long-term stays. On the other hand, student health insurance includes:

• Full medical coverage (primary care, specialists, diagnostics)

• Hospitalization and surgery

• Mental health services

• Repatriation

• Ongoing medical treatments

Spanish immigration law requires long-term, comprehensive medical coverage, not just emergency assistance.

What Does the Spanish Consulate Require?

For your visa to be approved, your insurance must:

• Be private health insurance, not travel assistance

• Include no co-payments or deductibles

• Be valid for your entire stay in Spain

• Cover hospitalization, surgery, repatriation, and more

If your policy doesn’t meet even one of these points, your visa will likely be rejected.

Real Student Experiences

• Luca (Italy): Submitted a policy with co-pays. Visa was denied.

• Thandi (South Africa): Used travel insurance without hospitalization. Had to reapply.

• Emily (Canada): Got Seguren-approved policy and visa was accepted in 5 days.

What Should You Do?

1. Don’t rely on your credit card travel insurance. It won’t meet legal standards.

2. Avoid cheap online “visa insurance” without verifying the fine print.

3. Work with experts who know Spanish immigration law.

At Seguren, we only work with insurers who meet every requirement. We deliver official certificates in Spanish, ready for your visa appointment.

📍 Get the Right Insurance for Your Student Visa

Don’t risk rejection with the wrong policy. Get a quote today and secure your studies in Spain:

👉 https://www.seguren.com/student-visa-health-insurance-for-spain

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