Articles & guides
Guides to insurance on Tenerife: residency and visa, private healthcare, family, business. In plain words, in your language.
What insurance you need for a Spanish residency visa in 2026
In plain words: which medical policy a consulate will accept for a Spanish residency visa on Tenerife — full coverage, no co-payments, no waiting periods, with a certificate.
Read →Spain DNV Insurance: What the Digital Nomad Visa Requires
What your DNV policy must include for Spain's digital nomad visa: full cover, no co-payments, no waiting periods, and a consulate certificate. Free check.
Read →Private healthcare on Tenerife: how it works for expats
How private healthcare works on Tenerife: clinics, booking a doctor, languages, and how private insurance differs from the public system.
Read →Insurance with or without co-payments: which to choose
How policies with and without co-payments differ, and why only the no-co-payment option works for a residency visa.
Read →Family insurance on Tenerife: children, childbirth, paediatricians
What to look for when taking out family insurance on Tenerife: paediatrics, childhood vaccinations, childbirth and waiting periods, and how to save.
Read →Insurance for autónomos and small businesses in Spain
How a self-employed person (autónomo) and a small company on Tenerife can insure health — their own and their employees — and what to consider.
Read →Peace of mind in Spain: how insurance helps an expat sleep easy
Why having insurance gives an expat in Spain confidence and calm — not fearing illness, emergencies, or an unfamiliar system and language.
Read →Life Insurance in Spain: Peace of Mind for the People You Love
Why life insurance in Spain gives expats confidence for their loved ones, protects against a mortgage and helps family avoid hardship.
Read →Accident Cover in Spain: How a Personal Accident Policy Pays
Accident cover in Spain for expats: how a personal accident policy pays a cash benefit after an injury and how it sits alongside health insurance.
Read →Dental Insurance in Spain: Care for Your Teeth in Tenerife Without Big Bills
How dental insurance in Spain works — what is free, what has a reduced copay, whether there are waiting periods, and whether dental care is included in the health policy for residency.
Read →Pet Insurance in Spain: What Owners in Tenerife Need to Know
Why you need insurance for your dog or cat in Spain, which dogs are legally required to have liability cover, and what a veterinary policy in Tenerife covers.
Read →Health Insurance for Retirees in Spain: A Calm Life in Tenerife
How to choose health insurance for retirees in Spain, whether it is needed for a visa in Tenerife, and what to look for when taking out a policy later in life.
Read →Maternity Insurance in Spain: How to Prepare in Tenerife
How health insurance covers pregnancy and birth in Spain, why waiting periods matter, and what to arrange in advance if you are planning a child in Tenerife.
Read →Non-Lucrative Visa (NLV) in Spain: What Insurance You Need in 2026
What the non-lucrative visa in Spain is, who it suits, and exactly which health policy the consulate accepts — full cover, no copays or waiting periods, with a certificate.
Read →Healthcare in Tenerife: Public System vs Private Insurance
How healthcare works in Tenerife: what the public system covers, who gets it free, how waiting lists work, and when private insurance is really worth it.
Read →Health Insurance for a Student Visa in Spain: Consulate Checklist
What health insurance the consulate accepts for a Spanish student visa: a certificate checklist, the 2–12 month policy term, and what to do if you study over a year.
Read →How to Choose Health Insurance in Spain: A Checklist for Tenerife
What to look at when choosing health insurance in Spain — copays, waiting periods, cover and language — and how to switch insurer in Tenerife without losing out.
Read →Family Reunification Visa Spain: What Insurance Your Relatives Need
Health cover for reagrupación familiar: when Seguridad Social is enough, when a private policy is required, and what each relative's certificate has to say.
Read →First Steps After Moving to Tenerife: A Newcomer's Checklist
What to do in your first weeks after moving to Tenerife — NIE, registration (empadronamiento), bank, healthcare and insurance. A clear checklist for new residents in Spain.
Read →Reimbursement Health Insurance in Spain: Rehabilitation and Free Choice of Doctor
How reimbursement cover works in Spain and Tenerife: choose any doctor or clinic, claim back rehabilitation, and see how limits differ from a cuadro médico policy.
Read →What Is the Cuadro Médico in Spain and How to Use It in Tenerife
What the cuadro médico (an insurer's medical network) means in Spain, how to find a doctor and clinic in Tenerife, and how a network policy differs from a reimbursement one.
Read →International Health Insurance for Living Between Two Countries
When an expat in Tenerife needs international health insurance, how it differs from an ordinary Spanish policy, and what to check if you travel often between countries.
Read →Funeral Insurance (Decesos) in Spain: Caring for Loved Ones in Advance
Why an expat in Spain values funeral insurance (seguro de decesos), what it covers, why repatriation matters for those living far from home, and how it lifts the burden off family.
Read →Travel Insurance for Coming to Spain: Tourists and Before Moving
When you need travel insurance to come to Spain, what it covers, and how it differs from a residency policy — key for visits, tourists and those coming to scout before moving.
Read →How much does health insurance cost in Spain: what drives the price
What determines the cost of private health insurance in Spain and Tenerife: age, cover level, co-payments, family size. Why insurers do not publish tariffs and how to get an exact quote.
Read →Waiting periods (carencias) in Spanish health insurance and how to avoid them
What a carencia is in a Spanish policy, which services it usually applies to, why a residency policy must have none, and how to carry your accrued time over when you switch insurer.
Read →Chronic conditions and health insurance in Spain: what preexistencias mean
How a Spanish policy is issued when you have a chronic condition: what a preexistencia is, why the health declaration matters, what happens if you leave something out and what options remain if cover is excluded.
Read →Insurance certificate for the consulate and extranjería: what a valid one looks like
Which health insurance document Spanish consulates and immigration accept: the required wording, validity, language, the usual reasons for rejection and what happens if the visa is refused.
Read →Convenio Especial or private insurance: healthcare when you do not work in Spain
What the Convenio Especial is — paid access to Spanish public healthcare, who qualifies, what it leaves out, and when a private policy is the better answer. A comparison for residents in Tenerife.
Read →How to cancel or switch health insurance in Spain
How to end a contract with a Spanish insurer: the notice period before renewal, how to write the request, carrying over your accrued waiting periods, and the mistakes that leave the policy auto-renewed.
Read →Dog liability insurance in Spain: when it is compulsory
Civil liability for dog owners in Spain: who is legally required to hold cover, what an RC policy pays for, the separate rules for potentially dangerous breeds, and what it costs in Tenerife.
Read →Mortgage life insurance in Spain: what the bank can and cannot require
Is life insurance compulsory with a Spanish mortgage, why the bank cannot force you to use its own insurer, what a decreasing-capital policy is, and how to save on it when buying in Tenerife.
Read →Dental insurance that covers implants in Spain: what it actually pays
Which dental insurance covers implants and prosthetics in Spain and Tenerife, what drives the price of an implant on a policy and how it differs from health cover.
Read →Children dental care in Spain: braces, prevention and the family policy
Dental care for children in Spain: what public healthcare covers, what a children dental policy adds, how orthodontics is priced and why a family policy beats separate ones.
Read →Hospital cash insurance: a daily payout while you are in hospital
A hospitalisation policy pays a fixed sum for every day you spend as an inpatient — to you, not the clinic. How it works, how it complements health cover and who actually needs it in Tenerife.
Read →Annual multi-trip travel insurance: when it beats buying single policies
An annual multi-trip policy covers every journey for a year. Working out how many flights make it cheaper than single-trip cover, what is included and why it suits life in Tenerife.
Read →Cruise travel insurance: why an ordinary travel policy will not do
How cruise insurance differs from standard travel cover: medical care on board, evacuation at sea, cancellation and missed departure. What to consider for a cruise from Tenerife and the Canaries.
Read →Surf, diving and Teide: does your insurance cover active sport in Tenerife
Why a standard policy often excludes injuries from surfing, diving and hiking, what hazardous sports cover means, and which insurance you need for an active lifestyle in Tenerife.
Read →Accident insurance after 65: what can actually be arranged
Why cover gets harder to arrange after 65, which products are available with no medical age loading, what a senior accident policy covers and how to shield the family from the costs.
Read →What counts as an accident in insurance: heart attacks, injuries and grey areas
The legal definition of an accident in a Spanish policy, why a heart attack is normally not one and which cover treats it as such, plus the grey areas and the usual reasons claims are refused.
Read →Travel Insurance for Tenerife: What Cover You Actually Need
Travel insurance for Tenerife: is Tenerife counted as Spain and as Europe, what a policy should cover on the island, and what an EHIC or GHIC does not pay for.
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