Insurance – US Sandtons

The Complete Insurance Blueprint for Americans Moving to Spain

One strategy. Three insurance types. Coordinated flawlessly by experts.

98% Client Compliance

30+ Years Experience

Recognized US-SPAIN Experts

Get Your Guide to Insurance in Spain

What’s Your Insurance Priority?

Choose where to focus

Medical

Visa Approved Medical Insurance

Applying for a Non-Lucrative or Digital Nomad visa? Private Medical insurance is mandatory. Must have zero deductibles, and full coverage equivalent to Spain’s public system. We find policies that pass consulate review every time. 

Key Stat: Zero co-pays. Full year upfront. 

Property

Buildings & Contents Protection

Buying a Spanish property? Banks require building insurance (Continente). You also need contents insurance for your belongings. We clarify the difference, eliminate under-insurance traps, and ensure your investment is fully Protected

Key Stat: Full replacement value. No proportionality penalties.

Life Insurance

Mortgage Rate
Optimization

Applying for a mortgage? Life insurance lowers your interest rate by 0.25-0.50 percent. The premium savings often outweigh the policy cost. We show you the math and connect you with lenders offering the best bonifications rates.

Key Stat: Save €15,000-30,000 in interest over loan life.

The Three Insurance Types Explained

Medical Insurance for Visas

The non-negotiable

For non-lucrative and Digital Nomad visas, your insurance is a compliance document. Consulate has strict criteria.

The Four Requirements:

1

Zero Co-
Payments

You Cannot pay per visit. Coverage is 100 percent form €1.

2

Zero
Deductibles

All medical services covered from the first euro. No annual threshold.

3

Global or EU
Coverage

Must be valid in Spain. Repatriation coverage required 

4

Annual
Payment

Paid in full 12 months upfront. Monthly plans rejected.

Pre-Existing Conditions: Spanish insurers accept if declared. Premium rise 10-30 percent. Premium rise10-30 percent. Failure to declare voids Policy.

MEDIA 

WATCH • LISTEN • READ

Insurance Made Simple

Insurance in Spain is a financial and legal requirement. Get protected, avoid fines and have peace of mind.

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Natives

(video)

Insurance brokers specializing in expat coverage and Americans with years of experience in the Spanish system explain the difference between private and public health insurance, what pre-existing conditions mean for your policy options, why most visa types require private insurance upfront, the real monthly costs across age groups and coverage levels, and how home insurance works differently in Spain versus the US.

Watch Now

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Deep Dive

(podcasts)

Insurance specialists dive deep into Spanish insurance requirements for visa holders, comparing major providers like Sanitas, Adeslas, and Axa in terms of coverage and cost, explaining dental and vision coverage gaps most Americans do not expect, discussing waiting periods for pre-existing conditions, addressing what happens if you need surgery or specialist care, and revealing how to transition from private to public healthcare once you are a long-term resident.

Listen Now

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INSURANCE MADE SIMPLE

(blogs)

Brian compares his private health insurance costs in Spain versus his previous US premiums, explains what his policy covers including dental, prescriptions, and emergency care, shares which insurance provider he chose and why, discusses the experience filing claims and getting reimbursed, breaks down costs of home and car insurance for his property and vehicle, and recommends English-speaking brokers who specialize in American expat policies.

Read More

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Explainer

(video)

An AI-powered insurance comparison tool showing annual health insurance premiums for different age brackets and coverage levels in Spain versus the US, visualizing what major policies cover and exclude, displaying real claim examples and out-of-pocket costs, comparing private insurance providers side-by-side, and showing home and liability insurance costs for property owners in different Spanish regions.

Watch Now

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The GUIDE

(brochure)

A comprehensive insurance guide covering health insurance types available to Americans, comparison charts of major Spanish providers with pricing by age and coverage tier, explanations of policy terms in simple English, visa-specific insurance requirements, home and liability insurance for property owners, and a checklist of questions to ask before purchasing any policy to ensure adequate coverage.

Download This Guide

INSURANCE MADE SIMPLE

Health and home cover that meets Spanish rules, explained and arranged in plain English.

(1:1 relocation strategy session)

€250-750

Speak with and advisor who knows both Spanish insurers and visa rules. We review your situation, shortlist health and home policies that meet consulate requirements, explain the fine print in English and help you choose cover that actually fits how you’ll live in Spain.

Download This Guide

Who Needs What?

APPLYING FOR A VISA ONLY

Need: Medical Insurance (Visa Compliant)

Timeline: Apply 2 months before consulate appointment

Cost: €800-1500 annually

Action: Complete application. We verify consulate requirements.

BUYING PROPERTY WITH MORTGAGE

Property Insurance (Continente + Contenido) + Life Insurance

Timeline: Property insurance by closing. Life insurance with mortgage

Cost: €600-1500 annually

Action: We coordinate with your lender. Bonification applied automatically.

BUYING PROPERTY CASH

Need: Property Insurance (Continente + Contenido)

Timeline: Activated day of closing

Cost: €400-1000 annually

Action: We send invoice to notary. Activate before taking possession.

DIGITAL NOMAD OR LONG TERM RESIDENT

Need: Medical Insurance + Property Insurance (if you own)

Timeline: Medical before arrival. Property if you buy.

Cost: €800-1500 (medical) + €400-1000 (property)

Action: We keep both active. You focus on living.

Top Consulate-Approved Providers

95% approval rate
Zero deductible policies
Repatriation coverage
€900-1200 annually

97% approval rate
20+ years Spain experience
Pre-existing coverage
€850-1100 annually

95% approval rate
24/7 multilingual support
Premium option
€1000-1500 annually

96% approval rate
English speaking support
Well known brand
€950-1300 annually

94% approval rate
Lowest cost option
Spanish heavyweight
€800-1000 annually

PROPERTY INSURANCE

Understanding Continente and Contenido

Spanish property insurance divides into two categories. Most owners buy only one and regret it.

Continente (The Building Structure):

What is covered: Walls, floors, ceilings, roof, pipes, windows, doors, kitchens, bathrooms, fixtures, electrical systems

What is NOT covered: Personal belongings, furniture, electronics, jewelry

Key Trap: Community Insurance covers shared elements only (roof, facade). Your private policy must cover interior walls and custom installations.

Typical Cost: €150-400 annually

Contenido (Personal Belongings):

What is covered: Furniture, electronics, clothing, jewelry, artwork, personal items

What is NOT covered: Building structure, damage to others’ property

Key Trap: Under-insurance penalties via Rule of Proportionality

Typical Cost: €200-600 annually

The Rule of
Proportionality:

If you insure a €300,000 property for only €150,000, insurers pay only 50% of claims. A €10,000 claim becomes a €5,000.

We calculate replacement value to prevent this.

Comprehensive coverage
Fast claims
24/7 English support

Flexible policies
Good pricing
Excellent reputation

Integrated with lending
Convenient for mortgages

Largest insurer in Spain
Wide network
Solid coverage

Premium option
Highest payouts
Best customer service

LIFE INSURANCE

Beyond Protection. A Financial Tool.

Life insurance in Spain is not just about coverage. It’s a financial instrument tied to mortgage rate reduction.

The Mortgage Bonification Strategy:

Standard mortgage rate: 3.0% Bonified rate with bank life insurance: 2.5% Savings on €300,000 over 20 years: approximately €30,000

The
Calculation:

Life insurance premium: €600-800 annually

Interest savings from bonification: â‚¬1500-2500 annually

Net Benefit: You save €700-1700 per year. The policy pays for itself multiple times over.

Inheritance Tax Shield
Strategy:

Life insurance payouts provide immediate liquidity for beneficiaries to pay inheritance taxes without selling property. Sophisticated planning tool for larger estates, particularly for Americans with UK beneficiaries facing double taxation.  Typical Cost: €600-1200 annually

We calculate replacement value to prevent this.

Best bonification terms
Competitive premiums
Easy claims

Inheritance planning expertise
International features

Specialized in mortgage-linked policies
Quick underwriting

Independent broker
Matches to best options

Premium option
Best coverage amounts
UK/USA expertise

Resources

Everything You Need to Know

VISAS MADE SIMPLE

All Pathways Explained in Plain English Digital Nomad or Non-Lucrative

Consulting

€500-€2,000

Direct access to your visa expert, providing individual guidance. Access to the Hub, Comprehensive guides. Recommended plan to meet your circumstances

Go to Visas Page

TAX MADE SIMPLE

From residency rules to property and pensions, Spain’s tax system explained in plain English.

Individual tax review & plan

€500-1,500

Sit down with a tax advisor who understand expats. We review your income streams, properties and pensions, flag risks around residency and double taxation, and design a clear, compliant plan to avoid surprises and overpaying.

Go to Tax Page

MOVING TO SPAIN MADE SIMPLE

From first “Could we?” to landing with a plan, your entire relocation mapped in plain English.

Independent mortgage advice

€750-€2,000

Work with a relocation strategist to design your move end‑to‑end. We align your visa, budget, work situation, family needs and timeline into one realistic plan, with a clear sequence of actions for the next 3–12 months.

Go To Moving to Spain Page

Buying Property Made Simple

All pathways explained in plain English, Digital Nomad or Non-lucrative

Curated search + transaction coordination

€750-€1,500 + Lawyer fee discount

Weekly curated property matches, tour coordination, and full transaction management. We handle lawyer, notary and paperwork, saving you time and money

Go to Property Page

NIE Made Simple

Your Spanish foreigner ID number, secured quickly and correctly so everything else can move forward.

NIE document check and booking

€150-€500

We confirm that you need an NIE now, choose the right route (in Spain or via consulate) and walk you through each form in English. Your advisor checks your documents, helps you complete EX-15 and the free correctly, and assists with an appointment so your application is accepted the firs time

Go to NIE Page

INSURANCE MADE SIMPLE

Health and home cover that meets Spanish rules, explained and arranged in plain English.

(1:1 relocation strategy session)

€250-750

Speak with and advisor who knows both Spanish insurers and visa rules. We review your situation, shortlist health and home policies that meet consulate requirements, explain the fine print in English and help you choose cover that actually fits how you’ll live in Spain.

Go to Cost of Living Page

COST OF LIVING MADE SIMPLE

All pathways explained in plain English, from first numbers to a move-ready budget

Consulting

€750-€1,500

Work directly with a Sandtons expert to translate your current lifestyle into a Spain‑ready budget. We compare locations, housing options, schooling and healthcare, then deliver a clear plan that fits your numbers and priorities.

Go to Cost of Living Page

MORTGAGES MADE SIMPLE

All the numbers, options and bank rules explained in plain English.

Independent mortgage advice

€750-€1,500

Work 1:1 with a mortgage specialist who speaks your language and the bank’s. We assess your profile, shortlist suitable lenders, sanity‑check what you can really borrow, and prepare you so your chosen bank sees a clean, credible application.

Go to Mortgages Page

Education Made Simple

Public & international schools, Spain’s education options explained in plain English.

1:1 educational option session

€500-1,500

Talk through your child’s age, language level and future plans with an advisor who knows the local schools. We compare public, concertado and international options in your target areas, estimate total annual costs, and create a shortlist of schools that actually match your family’s priorities.

Go to Schools Page

INSURANCE MADE SIMPLE

Health and home cover that meets Spanish rules, explained and arranged in plain English.

(1:1 relocation strategy session)

€250-750

Speak with and advisor who knows both Spanish insurers and visa rules. We review your situation, shortlist health and home policies that meet consulate requirements, explain the fine print in English and help you choose cover that actually fits how you’ll live in Spain.

Go to Cost of Living Page

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Everything You Need to Know

Visas

Which visa path seems right for you, Digital Nomad or Non Lucrative?

Tax

Can you really live in Spain for less than US? 

Cost of Living

Understand your US and Spanish Tax obligations and don’t overpay. 

Mortgage 

Check your score and get pre-approved for a mortgage in less that 3 minutes

Visas

Which visa path seems right for you, Digital Nomad or Non Lucrative?

Tax

Can you really live in Spain for less than US? 

Cost of Living

Understand your US and Spanish Tax obligations and don’t overpay. 

Mortgage 

Check your score and get pre-approved for a mortgage in less that 3 minutes

Quick Guides

Visas Made Simple

Moving to Spain isn’t about luck; it’s about matching your income source to the right visa.  

Tax Made Simple 

The headlines say “Spain will take half of your money.” The reality is different with the right structure. It can be incredibly tax efficient for high earners.

Moving Made Simple 

Moving to Spain is no just about packing bags; its is a legal and logical operation.  

Buying Property Made Simple

Buying property in Spain is not like buying in the US or UK. It is safe, but the process is different.  

NIE Made Simple

The NIE (Número de identificación de extranjeros) is not just a tax number- it is your digital fingerprint in Spain. You do not exist legally or financially without it.

Cost of Living Made Simple

You have heard the headlines: “Spain is cheap.” But cheap is relative. The real story isn’t just about spending less it is about Geo-Arbitrage. .

Insurance Made Simple

Insurance in Spain is not just about protection. It is often a legal gatekeeper for your visa or mortgage.   

Mortgages Made Simple

The most common question we get “Can wa foreigner really get a mortgage in Spain?” The Answer: Yes, Spanish banks are eager to lend to UK and UK citizens. 

Money Transfer Made Simple

The biggest loss of money is year 1 is not rent, not even on taxes. It is the haircut; on large transfers when buying property or moving you rest egg.

Living in Spain Made Simple

You have the visa. You have the property. Now comes the real work turning a Spanish address into a home. 

Property Handling Made Simple

You bought below market, you bought off-plan. Now you need to decide: flip it, ren it, short-term or long=term 

Education Made Simple

Spain offers a high quality of life for children. Choosing between public and international schools, has lots of conditions beyond free of ree.

Frequently Asked Questions

Answer to the most common questions we receive from clients

Can I get medical insurance approved before I move to Spain?

Yes, and it’s actually mandatory if you’re applying for a visa. Most Americans don’t realize they need to submit proof of approved insurance with their visa application, not after they arrive. We recommend applying 8-10 weeks before your consulate appointment. Standard cases approve in 24-48 hours, which gives you time to submit the certificate with your visa documents. The smartest move? Apply now, get approved in 2 weeks, and have your certificate ready while you’re gathering other documents.

My property is worth €350,000. How much insurance do I really need?

Here’s where most Americans make an expensive mistake: they insure for current market value instead of replacement value. Spain uses the Rule of Proportionality. If you insure a €350,000 property for only €200,000, the insurer considers you 57% insured. A €10,000 claim becomes €5,700. You lose €4,300. Get it wrong once, and you’ve lost more than you saved on premiums for years. The answer: insure for full replacement value —we calculate this for every client to prevent this trap.

Do I really need life insurance if I’m getting a mortgage in Spain?

You don’t need it for protection—you need it for economics. Spanish banks reduce your mortgage rate by 0.5% if you accept their life insurance. On a €300,000 mortgage over 20 years, that’s €30,000 in savings. The premium? €600-800 annually. The insurance pays for itself roughly 40 times over. Most Americans skip it because they don’t understand the rate reduction strategy. That’s leaving €30,000 on the table.

When should I start planning my transfer?

As soon as you’re seriously looking at properties. Waiting until you’ve signed a contract compresses everything into a stressful rush. Starting 8-12 weeks early gives you time to compare providers, lock in rates if needed, and prepare documentation without panic.

What is the difference between Continente and Contenido insurance?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

Can my money get stuck in the system?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

What documents will my bank ask for?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

Is it cheaper to move everything at once or in stages?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

How much does this cost?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

Can I cancel the bank's life insurance after my mortgage closes?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

How long does visa-compliant medical insurance approval take?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

Do I need property insurance if I own but don't live in Spain year-round?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

What if my policy is rejected by the consulate?

Yes. Americans can attend both US-curriculum and international schools in Spain without any special restrictions. Spain has many American schools offering a US K–12 curriculum, AP courses, and a smooth path back to US colleges. There are also international schools offering IB, British, and bilingual programs, which are popular among expat families.

450+ Americans successful supported for medical care access in Spain.

End-to-end system advice Private, public, hybrid, dental/vision, family retirees, remote workers

Partnerships with market-leading Spanish insurances and clinics trusted by WHO

“5-star” feedback for clarity, trustworthiness and eco-friendly support.

Featured testimonials; Americans sharing healthcare wins and system comparisons