Balearic Islands travel insurance

While travel insurance isn’t mandatory for the Balearic Islands, it’s strongly recommended. They fall under the Foreign, Commonwealth & Development Office (FCDO) advice for Spain, which states that travellers should research their destination and take out a policy that covers their itinerary, planned activities, and emergency expenses. 

UK visitors can use a UK Global Health Insurance Card (GHIC) or a still-valid European Health Insurance Card (EHIC) to access public healthcare in Spain and the Balearic Islands at the same cost as residents. However, these don’t cover private treatment, repatriation to the UK, or additional costs if medical care isn’t available nearby—making travel insurance a good choice for many.  

Beyond medical cover, travel insurance can also help with delayed or cancelled flights, lost luggage, and stolen passports, which can be particularly useful in busy tourist areas like Ibiza. If you plan to enjoy activities such as boat trips, water sports, or hiking in the Serra de Tramuntana, check that your policy covers them. 

How much your travel insurance for the Balearic Islands will cost depends on your personal situation. While there’s no one-size-fits-all answer, knowing what factors are used to calculate your premium can make it easier to choose the right cover for your trip. So, what can affect the cost? 

• How long your trip is – the longer your trip, the more likely you are to need to claim. Your premium might increase to reflect this. 

• Your age – older travellers, for example, might pay more because they’re at a higher risk of needing medical assistance. 

• Your medical history – if you have pre-existing conditions, declaring them when taking out a policy is essential. It might affect the cost, but it guarantees you’re properly covered. 

• Optional add-ons – choosing a policy with lower excess, higher limits, or additional cover like gadget protection or sports activities may cost more.