Do I need separate insurance for the digital nomad visa?

Yes. The DNV requires a full medical policy with no co-payments, valid across Spain and with a certificate — travel insurance does not qualify.

Can I buy the policy before I get the visa?

Yes, the policy is taken out in advance — it is part of the application pack. It must be active from day one.

Will an employer policy work?

Sometimes, but it must meet Spanish requirements (full coverage, no co-payments, valid in Spain). Often it is simpler to take out a local policy.

Insurance for the digital nomad visa (DNV) in Spain

The Digital Nomad Visa (DNV) lets you live in Spain legally while working remotely for companies based outside the country. Among the required documents is medical insurance, held to the same strict standards as other residency visas.

What the DNV policy must look like

Full coverage with no co-payments — paying out of pocket for visits is not allowed.
No waiting periods — coverage from day one.
Valid across all of Spain, including Tenerife and the Canaries.
With a certificate for the consulate / immigration office confirming compliance.

So a cheap “annual” travel policy with an excess won’t do — it’s almost always rejected.

Common mistakes when applying for the DNV

Buying a cheap travel policy and getting refused on the medical part.
Choosing a policy with co-payments, not knowing the visa needs one without them.
Leaving it late — the certificate has to be ready before you apply.

Worth knowing

A DNV policy isn’t just “a document for the visa”. It genuinely covers doctors, emergencies, diagnostics and hospitalisation across Spain — which matters when you’re relocating for the long term and want to be treated without queues.

If you’re moving with a partner or children on the DNV, they can often be added to a single family policy.

Cost

The price is individual and depends on age and coverage. A manager will calculate the exact amount for your situation — free and with no obligation.

Planning to apply for the DNV and unsure which policy will be accepted? Ask in the chat — we’ll explain the requirements and calculate the cost.