Short answer
You can get quotes directly from insurers such as Sanitas, DKV, Adeslas, ASISA and Mapfre online or by phone, or ask an independent broker to quote several at once. Brokers normally cost you nothing extra (insurers pay them commission) and can be useful for visa policies and older applicants. Whichever route you use, give everyone the same ages, postcode, start date and cover level, and check the broker on the DGSFP register.
Option 1: go direct to insurers
Most large Spanish insurers quote online from ages and postcode, and some publish English-language support for foreign residents. Going direct suits you if you already know the type of policy you want and you're comfortable reading Spanish policy conditions. See the comparison of the main insurers for who offers what.
Option 2: use a registered broker
A corredor de seguros (independent broker) compares several insurers for you. In Spain brokers are paid by the insurer, so the premium is normally the same as buying direct. A good broker earns their keep when:
- you need a visa-compliant certificate worded the way your consulate wants;
- you're over 65, or have a health history that some insurers will decline or exclude;
- you want an English speaker to handle claims questions later.
Always check the broker on the DGSFP register before giving them personal details. A genuine broker has a registration key (clave) you can look up there; brokers registered with the DGSFP usually have keys starting with "J", while those registered with a regional authority are found through the register's regional filter.
What to send for comparable quotes
Give every insurer or broker exactly the same information:
- Dates of birth of everyone to be covered.
- Your postcode in Spain (premiums vary by province).
- Start date, and whether you need a certificate for a visa.
- The level of cover: with or without co-payments, with or without reimbursement or worldwide cover, and whether you want dental.
- How you'll pay: consulates don't normally require the premium to be paid upfront, but some visa products are sold only as a single annual payment, and the certificate must show the full cover period.
Then compare the full conditions, not just the price. The preparation checklist lists the questions to ask about waiting periods, exclusions and renewal.
Don't send medical details by email
Insurers assess your health through their own questionnaire (cuestionario de salud), which you complete with them directly. There's no need to send medical history to a website or a third party to get a first quote.