What insurance do I need for my visa? Requirement & cost
Every visa asks for a different insurance — and picking the wrong one can get you refused. Tell us your case and age, and we'll show what qualifies, what does NOT, and the monthly cost. Including the warning almost nobody gives: travel insurance doesn't work for Spanish residency.
Find your insurance
Options that qualify · estimated monthly cost
Email me my visa's requirement + which policies qualify
Worked examples
Nomad under 40, no specific visa, working from Lisbon
No legal minimum, but you want emergency medical, hospitalization and evacuation abroad. Nomad plans exclude pre-existing conditions and limit home-country coverage.
SafetyWing Nomad≈ $56/moNomad/travel plan, pay monthly, cancel anytime — 10% recurring.Heymondo (marca española)≈ $54/moSpanish travel-insurance brand; long-stay plans (age cap ~49).Genki Traveler≈ $74/moNomad plan (excl. US/CA; adding US roughly doubles it).
Get a SafetyWing Nomad quote →Nomad/travel plan, pay monthly, cancel anytime — 10% recurring. Confirm the exact amount on their site.Get a Heymondo (marca española) quote →Spanish travel-insurance brand; long-stay plans (age cap ~49). Confirm the exact amount on their site.
Couple in their fifties applying for Spain's Non-Lucrative Visa
Full private health insurance from an insurer authorized in Spain, with NO copayments, NO waiting periods, repatriation, prepaid one year.
⚠ Nomad/travel insurance (SafetyWing, Genki, Heymondo travel plans) does NOT qualify for this visa and gets applications refused.
Seguro español sin copago (Adeslas/DKV/Sanitas/ASISA)≈ $150/moThe ONLY type that satisfies Spain's NLV/DNV: authorized insurer, no copay, no waiting periods, repatriation.
Compare Spanish no-copay insurers →Adeslas, DKV, Sanitas and ASISA offer policies built for the non-lucrative / nomad visa
Retiree over 60 on a Schengen tourist visa
Minimum €30,000 coverage for emergency medical, hospitalization and repatriation, valid across the whole Schengen Area for your full stay (EU Visa Code, Art. 15).
SafetyWing Nomad≈ $197/moNomad/travel plan, pay monthly, cancel anytime — 10% recurring.Heymondo (marca española)not available for this ageSpanish travel-insurance brand; long-stay plans (age cap ~49).
Get a SafetyWing Nomad quote →Nomad/travel plan, pay monthly, cancel anytime — 10% recurring. Confirm the exact amount on their site.Get a Heymondo (marca española) quote →Spanish travel-insurance brand; long-stay plans (age cap ~49). Confirm the exact amount on their site.
Examples are recomputed whenever the underlying rates or data change; the date above is the last recompute.
Methodology & data sources
Visa insurance requirements come from official and authoritative sources: the Schengen visa requires a minimum €30,000 covering emergency medical, hospitalization and repatriation, valid across Schengen (EU Visa Code, Reg. 810/2009, Art. 15); Spain's non-lucrative visa requires private insurance from a Spain-authorized insurer with no copay, no waiting periods and repatriation, prepaid one year — which is why travel/nomad policies are rejected; Spain's digital nomad visa requires coverage from a Spain-authorized insurer equivalent to the public system; Portugal D7/D8 requires €30,000 Schengen-wide with repatriation. Costs are typical ranges by age band from provider pricing pages (SafetyWing, Heymondo, Genki, Cigna, GeoBlue and Spanish no-copay insurers), shown as estimates because real price depends on your health, destination and whether you include the US (which roughly doubles it). We only show the options that actually qualify for your case. Our Freshness Keeper checks the requirements and prices against their sources.
Sources: Spanish consulates · JURO Spain (2026 compliance) · EU Visa Code (Reg. 810/2009) · provider pricing pages.
Frequently asked questions
Does SafetyWing work for Spain's non-lucrative visa?
No. You need a Spanish no-copay policy (Adeslas/DKV/Sanitas/ASISA). Travel insurance is rejected for residency.
How much coverage does a Schengen visa need?
Minimum €30,000 with emergency medical, hospitalization and repatriation, valid across Schengen. A nomad plan that hits that does qualify here.
How much does it cost per month?
Nomad (SafetyWing) ~$56–$197 by age. Spanish no-copay for the NLV €40–€400+ by age. Adding US roughly doubles it.
Why doesn't travel insurance work for residency?
It's an emergency/accident product — no preventive care, screenings or chronic-illness cover, which Spain requires for residency.