Last Updated on April 18, 2026 by Bruno Bianchi
Question
“Question for those living between Spain and the US: What kind of health insurance do you have? How do you manage to be covered in both countries?”
Answers
These are the answers of Spainguru’s Facebook group members:
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Start the Moving to Spain Hub →“Sanitas Reembolso – 100% coverage in Spain, and 70 to 80% reimbursable coverage anywhere else in the world. One of the few that covers Da Vinci Robotic Surgery.”
“You should be speaking with a Sanitas agent for your particular situation. Sanitas Premium 500 (Reembolso) covers up to €500,000 per person per year when using out-of-network services abroad.”
“For those agents on this post, are there policies that cover pre-existing conditions such as T2 diabetes or heart conditions? We already have BCBS Federal and are still in the USA, but are starting to do the research for next year.”
“I could not find any Spanish coverage for my specific pre existing condition.”
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Explore Cities →“If you are a federal employee, I understand Blue Cross/Blue Shield provides coverage in Spain. Has anyone experience with BC/BS in Spain? Like being accepted by doctors/medical facilities?”
“I have BCBS. What I have done is paid out of pocket and filled out an international claim form online to get reimbursed. The same copay is applicable globally.”
“Cigna Global.”
“Have a look at DKV Insurance. They have global policies.”
“I have a separate policy in both countries.”
“Sanitas is fantastic— much better than Asisa, MAPFRE, or DKV. If you are male, look for a policy that covers Da Vinci Robotic Surgery.”
“In MAPFRE we have a policy that reimburses the 80% of the bill or 90% if it is a hospital bill and you can use it all over the world and in Spain you have full coverage in the medical chart. It also reimburses up to €200 a year of pharmacy bills.”
“Sanitas in Spain. Blue Cross Blue Shield in the USA.”
In terms of health insurance, here you can get non binding quotes from the top health insurance companies in Spain (ASSSA, DKV, Asisa, Adeslas, Sanitas and more) and all are fully compliant with any Spanish visa requirements (0 copay, 0 waiting times, full coverage).
Get your quotes immediately right after filing the online forms:
Broker 1: DKV/Asisa/Adeslas/Sanitas: http://rb.gy/8ex0k6
Broker 2: Asisa/DKV: http://affiliateadeslas.innoinsure.com/spainguru
Exclusive Adeslas Agent: http://rb.gy/jjfrpa
ASSSA Exclusive Agent: http://rb.gy/zorain
Swisscare: http://rb.gy/taafg0
Conclusion
Expatriates living between Spain and the US have various health insurance options to consider, ensuring coverage in both countries.
Companies like Sanitas and Cigna offer plans with international coverage, including high limits and special procedures like robotic surgery. BCBS and DKV also provide policies that cater to expats’ needs, with potential for reimbursements globally.
Pre-existing conditions and personal health requirements heavily influence the choice of provider. Connecting directly with insurance agents is advised to get coverage details tailored to individual circumstances.
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