In this article
Related guide: Blua by Sanitas: Digital Services Included in Your Insurance
Emergency cover abroad on each Sanitas policy
The limit is per person per year and applies to the medical expenses of an emergency due to illness or accident outside Spain. The emergency has to arise within the first 90 days of the trip. On Top Quantum the cover is for trips of up to 90 days.
| Coverage | Medical expenses limit | Emergency dental care |
|---|---|---|
| Más Salud (no copays, Plus and Óptima) | €12,000 | Up to €300 |
| Más Salud Familias and Familias Plus | €12,000 | Up to €300 |
| Sanitas Profesionales | €12,000 | Up to €300 |
| Premium 500.000 and Más 90.000 | €12,000 and the excess by reimbursement according to your policy | Up to €300 |
| Top Quantum | €15,000 | Up to €60.10 |
| Residents and Residents Visado | €12,000 | Up to €300 |
| Residents Platinum and Platinum Visado | €30,000 | Up to €300 |
| International Students | €12,000 | Up to €300 |
| Accede | Not included | Not applicable |
Limits according to the “Cobertura de asistencia de urgencias en el extranjero” (emergency assistance abroad) in the general conditions of each Sanitas, S.A. de Seguros product. On Premium 500.000 and Más 90.000 the reimbursement of the excess is governed by the particular conditions of each policy. This cover does not appear in the general conditions of Avanza and Único. Sanitas is a registered trademark of Sanitas, S.A. de Seguros.
What to do and what to expect if you fall ill outside Spain
Every December clients write to us who are going away for a few days to Lisbon or London or to see family on the other side of the Atlantic, and they want to know whether their insurance travels with them. The answer is in Sanitas's general conditions, in the emergency assistance abroad cover. We explain it exactly as it is written, with what it gives and with what is worth adding.
The first step is to call the number on your card
Imagine a family from Majadahonda spending New Year in Lisbon. On the second night the youngest has a high temperature and earache. The natural thing would be to look for the nearest clinic and pay whatever they ask. With Sanitas the order is different and it is worth learning it beforehand: before receiving any care you have to call Sanitas on the phone number on the back of your card and ask for authorisation. Sanitas tells you which centre to go to, because the cover is provided in the centres it designates.
The exception is a life-threatening emergency, a situation that needs immediate attention because a delay could endanger your life or cause irreparable harm. In that case you go to the nearest hospital and notify Sanitas within 7 days of admission with a copy of the emergency report. For Sanitas to accept the claim your payments must be up to date and you must provide proof of the trip, the medical report confirming the emergency, the invoices and proof of payment. Keep your tickets or boarding passes: they prove when the trip started.
Which medical expenses it covers and up to what amount
Going back to the example, the child's consultation and the antibiotic they are prescribed fall within the cover if you have called first and are seen at the centre Sanitas indicates. The Más Salud general conditions list the fees of doctors, surgeons and hospitals, medicines prescribed by a doctor, hospitalisation and an ambulance ordered by a doctor for a local journey. The limit is €12,000 per person per year and the care must take place within 90 consecutive days from the start of the trip. Emergency dental care has its own cap of €300 per insured person and leaves out root canal treatment, cleaning, prostheses, crowns and implants. If needed, Sanitas covers the transfer under medical supervision to the place where you can be treated, and its medical service chooses the means of transport and the centre.
The wording is the same on Más Salud Plus and Óptima, Más Salud Familias, Sanitas Profesionales, Residents and Residents Visado. Residents Platinum raises the limit to €30,000. Top Quantum has its own clause with €15,000 a year per insured person: its dental cap is €60.10 and it provides for transfer to a hospital near your home in Spain when its medical service authorises it. On Premium 500.000 and Más 90.000, which have reimbursement, anything above the limit can be claimed by reimbursement under the terms of the policy's particular conditions. Premium 500.000 and Más 90.000 with copays add cover in the United States at partner centres and with prior authorisation.
If you are admitted to hospital far from home there is more help than it seems
A hospital stay in another country is less frightening when you know what happens to the person with you. On Más Salud, Profesionales and Residents, if you are hospitalised and the person travelling with you is also insured with Sanitas, the cover pays for the extension of their hotel stay up to €60 a day for a maximum of 10 days. If the stay lasts more than five days and you have no close relative at your side, Sanitas provides a return ticket for a companion living in Spain and their hotel up to €60 a day for 5 days. And if you are travelling with children under 14 and cannot look after them, it arranges the journey of the person you choose to take them back home.
There is also a list of small forms of help that get you out of a tight spot. If you have left your glasses, contact lenses or passport at home, Sanitas arranges and pays for sending a parcel of up to 10 kilos. If you need a prescribed medicine you cannot find where you are, it locates it and sends it to you, and you pay the price of the medicine. If the airline loses your suitcase it helps you look for it and, when it turns up, sends it to your home in Spain if you do not need to collect it yourself. And if necessary it can advance you up to €1,500 against a payment guarantee, to be repaid within 30 days. In the general conditions the €12,000 limit appears in the medical expenses section and some of these forms of help have their own caps. On Top Quantum and International Students the list is different and we go through it with you against your policy.
What is not included and is worth knowing before you leave
This is emergency medical cover and not full travel insurance. The general conditions leave out medical expenses under €3, treatments already prescribed to you in Spain and the diagnosis or treatment of an illness or condition you already knew about before the trip began, unless it is a clear or unforeseeable complication. Nor does it cover mental illnesses or chronic illnesses that have caused changes in your health. And the general exclusions of the insurance apply to it. Among them are risk sports practised as an amateur, with a list that names off-piste skiing or ski jumping, scuba diving and climbing. Officially declared epidemics are also excluded. In road traffic accidents it covers emergency care and the rest depends on having the traffic accident add-on.
Nor does it include trip cancellation or compensation for a lost suitcase, and on Más Salud the transfer covered is to the place where you can be treated. That is why on a long trip, an expensive one or one with snow sports it makes sense to add travel insurance. On Top Quantum the cover excludes winter sports, so if you are going skiing tell us beforehand. And a tip that costs nothing: if you are entitled to Spanish public healthcare and are travelling in Europe, also take your European Health Insurance Card (EHIC). It gives you access to the public healthcare of the country you visit on the same terms as its insured people, you can request it free of charge from the Spanish Social Security and it complements your insurance well.
Trips within Spain and long stays abroad
If this Christmas the trip is to Granada or to the grandparents' house in Galicia you do not need this cover: your insurance works with the Sanitas medical directory throughout Spain. The general conditions cover emergency care anywhere in Spain where Sanitas has arranged the service. In Cantabria and Navarra you are seen by the providers that work with Sanitas by showing your card at their office and following their procedures. And in the Mi Sanitas app you have the 24-hour emergency video consultation, very handy when you are travelling around Spain.
Moving abroad is another matter. The cover is designed for trips and the care must take place within 90 consecutive days of departure. In addition, the insurance ends if you move your residence abroad or if you do not live in Spain for at least six months a year. For anyone spending a long period abroad there are other products. Sanitas Estudiantes is for young people up to 35 who study outside Spain. It only covers abroad and its limit is €50,000 or €100,000 depending on the policy taken out. Sanitas Global Care is international insurance with cover in the geographical area you choose. If this is your case we look at it with you before you go.
Foreign nationals living in Spain: Residents and International Students
Many of our clients came to Spain with a visa and go back to their home country for Christmas. Residents and Residents Visado include the same emergency cover abroad with €12,000 per person per year, and Residents Platinum with €30,000. The cover requires the expense to arise outside Spain and the care to take place within 90 consecutive days from the start of the trip, and it leaves out illnesses already known before departure. If you are travelling with ongoing treatment, take your medication and your doctor's report with you.
The Residents range adds repatriation cover: if the insured person dies in Spain, Sanitas arranges and pays for the transfer to the international airport closest to the place of burial in the country of origin stated on the policy and the journey of a close relative living in Spain, with prior authorisation. International Students includes emergencies abroad with €12,000 in a shorter version, without the ticket for a relative, and its repatriation applies in any country. It is one of the questions students' families ask us most and we answer it with the policy terms in front of us.
How we go through it with you before the trip
It is best to look at it a few days before you leave. Tell us where you are going, for how many days and with whom, and we tell you what limit your policy has, which phone number to keep noted down and whether in your case it is worth adding travel insurance. If you take medication or have an illness being monitored we check your case with Sanitas. And if there are invoices to submit when you get back we help you gather the documents.
Everything can be done remotely or at the Majadahonda office without an appointment. Message us on WhatsApp at +34 655 02 69 85 (every day) or call us on +34 919 93 17 90 during office hours: Monday to Thursday from 9:00 to 14:00 and from 16:00 to 18:00, and Fridays from 9:00 to 15:00. If you do not have insurance yet and want to travel covered, we prepare your enrolment remotely. 430 reviews with a 5.0 rating on Google say so.
Cover, limits and exclusions according to the “Cobertura de asistencia de urgencias en el extranjero” and the general clauses of the current general conditions of each Sanitas, S.A. de Seguros product, checked in November 2026. The reimbursement percentages and limits are set out in the particular conditions of each policy. This article is for information only: if in doubt, your policy terms prevail. Oficina Sanitas Majadahonda is an exclusive agency of Sanitas, S.A. de Seguros: ANYO HEALTH SL, DGSFP code C0320B67816207. Sanitas is a registered trademark of Sanitas, S.A. de Seguros.
Common questions
Direct answers, the same we give at the office.
Does Sanitas cover me if I fall ill while travelling abroad?
Yes on Más Salud and its plans, Más Salud Familias, Sanitas Profesionales, Premium 500.000, Más 90.000, Residents and International Students: they include emergency cover abroad for illness or accident with €12,000 per person per year in medical expenses. Residents Platinum has €30,000 and Top Quantum €15,000. Accede does not include it.
Do I have to call Sanitas before seeing a doctor in another country?
Yes. Unless it is a life-threatening emergency, before receiving care you have to call Sanitas and ask for authorisation, and Sanitas tells you which centre to go to. On Más Salud the number is the one on the back of your card. In a life-threatening emergency you go to the nearest hospital and notify Sanitas within 7 days of admission with a copy of the emergency report.
How many days of travel does the insurance cover?
The care must take place within 90 consecutive days from the start of the trip (on Top Quantum, trips of up to 90 days). In addition, the insurance ends if you move your residence abroad or do not live in Spain for at least six months a year, so for a long stay it is worth looking at another product.
Which documents should I keep?
Proof of the trip (tickets or boarding passes), the medical report confirming the emergency, the invoices and proof of payment. Sanitas asks for them to accept the claim.
Does Sanitas cover the journey back to Spain if I am ill?
On Más Salud the cover includes transfer under medical supervision to the place where you can be treated and, if the insured person dies, transfer to their country of residence. Top Quantum also provides for transfer to a hospital near your home in Spain when its medical service authorises it. If you want a medical return covered in any case, it is worth adding travel insurance.
Am I covered if I get injured skiing outside Spain?
It depends on the insurance and the activity. The Más Salud general conditions exclude risk sports practised as an amateur and their list names off-piste skiing or ski jumping. On Top Quantum the emergency cover abroad excludes winter sports. Tell us about your trip before you leave and we check it against your policy terms.
What if I travel within Spain?
You do not need this cover: your insurance works with the Sanitas medical directory throughout Spain and covers emergency care anywhere in Spain where Sanitas has arranged the service. In Cantabria and Navarra you are seen by the providers that work with Sanitas by showing your card and following their procedures.