When traveling to Marbella and the Costa del Sol it is vital to assure that you are covered if anything goes wrong. Your trip to Spain may be scarred by unexpected delays, lost luggage, or accidents. Having good travel insurance in Spain may give you peace of mind during your stay no matter what may happen.
So how do you choose a travel insurance policy? There are a variety of Spanish and international insurance companies out there that fill every need. So first, you need to think about what you would like to have covered:
- Hotel cancellation
- Medical and accident coverage
- Lost luggage
- Lost passports or personal possessions
- Emergency evacuation
- Legal expenses
- Bankruptcy of a travel organizer
- Costs of travel delays
- Terrorist acts
Depending on what type of coverage you need, we suggest you first check your own coverage with any insurance you may already have. So many people are not familiar with the insurance policies they have purchased already. Maybe your health insurance already covers you in case you have an accident abroad? Or your credit card company may cover lost baggage when traveling. Familiarize yourself with what you already have and you may save yourself money and time by not having the need to purchase travel insurance.
It is also helpful to know that EU citizens generally are entitled to free emergency medical treatment in Spain. However, you need to be prepared. UK citizens must fill out an E-111 form and have it stamped at the post office BEFORE you leave.
Do not forget to check if your current universal healthcare is covered in Europe. Even so, you may still want to supplement with additional cover just for the length of your stay.
Our first recommendation when buying travel insurance for your trip to the Costa del Sol is to compare prices. There are many policies to choose from, so once you have identified your needs you need to get out there and start comparing quotes. Coverage can vary depending on your needs, length of stay, how many family members you cover, and your age. There is travel insurance to cover you for a short term stay, annual insurance for multiple trips that are cost effective and flexible, medical only insurance, and even winter sports coverage (when traveling to Sierra Nevada) that cover medical, equipment or pass loss, damage, delays, and ski run closures.
There are many UK insurance companies flocking to Spain to appeal to both expat and locals. To narrow the search for your needs and make things easier Marbella Family Fun suggests you use an insurance broker that helps with price comparisons and weeds out the insurance coverage that you do not need. We personally have used Staysure insurance brokers which offer competitive prices. Their website is comprehensive and easy to navigate. Another local insurance broker with English speaking staff is Bloomfieldsure Marbella. We have not personally used this company, but if you are living in Marbella it is always nice to have a local office with staff that understands your needs.
For example, Staysure travel insurance offers comprehensive coverage for two weeks for a family of four for about 32 pounds sterling (39 euros). To learn more about Staysure travel insurance click here.
Once you have identified the type of coverage you need and agreed on a contract we highly recommend that you read the fine print. Double check what your travel insurance covers, and more importantly, what it does not cover. Your trip can turn out horribly to find out that your medical costs or lost baggage are not covered. It is always important to check your policy after you have purchased it to make sure that you get what you pay for.
Good luck and happy travels!
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