You can cancel your expat health insurance on a monthly basis, regardless of whether you pay monthly or annually. A full refund is available within the right of withdrawal period (either 14 days from purchase if your policy starts within 14 days, or any time before the policy starts if it begins more than 14 days after purchase). If you cancel after your policy has started, a minimum of one month's premium applies. Common valid reasons for canceling include switching to another health insurance plan, leaving Spain, or having your visa application rejected.
How does canceling my expat health insurance work?
Your expat health insurance policy works on a monthly cancellation basis, regardless of whether you pay monthly or annually. If you pay monthly, your coverage stays active until the end of the month you cancel in, and you won't be charged for the following month as long as you cancel before the current month ends. If you pay annually (which is a legal requirement for certain visa and residence permit applications) your premium covers a full year and your policy renews automatically each year. In both cases, cancellation is calculated monthly, and the policy can be held for a maximum of 5 years.
Can I get a full refund if I change my mind after purchasing a policy?
Yes, a full refund is available during the right of withdrawal period, provided no claims have been made:
If your policy starts within 14 days of the purchase date, you have 14 days from purchase to cancel and receive a full refund. For example, if you buy a policy on May 1 and it starts on May 7, you can cancel before May 15 for a full refund.
If your policy starts more than 14 days after the purchase date, you can cancel any time before the policy begins. For example, if you buy on May 1 and your policy starts August 1, you can cancel any time before July 31 for a full refund.
When canceling within the withdrawal period because you changed your mind, you must select the option indicating you want a full refund, otherwise, the cancellation is treated as a standard one-month coverage cancellation.
Is there a minimum payment required if I cancel after my policy has started?
Yes. If you cancel after your policy has started, a minimum payment equal to one month's premium applies. To avoid any charge, you must cancel before your policy's start date.
What are valid reasons for canceling my expat health insurance?
The most common valid reasons for canceling are:
You have another health insurance plan in Spain: this includes expat, public, or private plans. Select "I have another health insurance" when submitting your cancellation request.
You have left Spain: if you've relocated or are leaving permanently, select "I left Spain." If you're leaving temporarily and plan to return, you can also cancel and purchase a new policy when you come back.
You were added as a dependent on a family member's plan: select "I have another health insurance."
You never arrived in Spain or your visa was rejected: you must notify us before your policy begins; otherwise, a minimum charge of one month applies.
The policyholder has died: you can cancel the policy due to the death of the policyholder. You can contact our support team for more assistance or additional resources.
What should I do if I need to change my policy's start date or no longer want my current policy?
If you need to change your start date, sign up for a new policy with the correct start date, then cancel your existing policy by selecting "I have another health insurance." If your existing policy hasn't started yet, you'll receive a full refund automatically.
If you decide expat insurance isn't the right fit, you must secure a new health insurance plan before canceling, since Spanish law requires you to have health coverage at all times. Once your new coverage is in place, cancel by selecting "I have another health insurance."