Travel insurance for Spain from Ecuador: Everything you need to know before your trip

Written by: L. F. Medrano von Oppenheim

Date: 10/22/2025

The Ecuadorian community is one of the most numerous in Spain. The relationship between both countries has always been very close. In fact, not only is the Ecuadorian diaspora significant, but also the tourists from this country who come to Spain to visit their family or friends. Well, if you are an Ecuadorian citizen and you are planning to travel to Spain, this article will interest you because we are going to address the issue of the requirements needed to travel to Spain, focusing especially on the travel insurance for Spain from Ecuador.

Table of Contents

• Why is travel insurance so important for Spain from Ecuador?
• What should travel insurance for Spain cover?
• Why is AXA Schengen travel insurance ideal for an Ecuadorian traveling to Spain?
• How much does travel insurance for Spain from Ecuador cost?
• How can I purchase travel insurance from Ecuador?
• What to do if I need medical assistance in Spain?

Why is travel insurance so important for Spain from Ecuador?

This is a fundamental question that every Ecuadorian planning to travel to Spain should have clear. It is important to have travel insurance for Spain from Ecuador because it is a mandatory requirement for obtaining the Schengen visa.

Ecuador is one of the countries required to have a Schengen visa to travel to Europe, regardless of the reason or duration of the trip. And one of the essential requirements for the Spanish authorities to accept a Schengen visa application is to have travel medical insurance.

AXA lends you a hand

If you have never applied for a Schengen visa, here is a step-by-step guide on how to apply for a visa for Spain from Ecuador.

What should travel insurance for Spain cover?

The mandatory medical insurance for Spain from Ecuador must meet a series of requirements to be accepted by the Spanish authorities. These are the most important:

• It must have coverage in all Schengen area member countries.


• Have a minimum coverage of €30,000.


• Cover any expenses related to repatriation, urgent healthcare, emergency treatment, or death.


• The validity period of the insurance must correspond exactly to the stay in the Schengen Area.


• It must be insurance from a company authorized by the embassies and consulates of the countries to be visited.

Did you know that in many Spanish cities, very popular Ecuadorian festivals such as Inti Raymi, the Virgen del Quinche, or the Carnaval de Guaranda are celebrated?

Why is AXA Schengen travel insurance ideal for an Ecuadorian traveling to Spain?

Here we show you some of the reasons why AXA’s travel insurance for Spain fits like a glove for Ecuadorian citizens wishing to travel to Spain.

• It has no age limit


• It does not require a medical exam


• It has no deductible


• The purchase can be made online quickly and easily


• The digital certificate is obtained instantly and can be included as is in the list of documents required for obtaining the Schengen visa.


• It covers all Schengen area countries (in case Spain is not your only European destination).


• The healthcare coverage is very high. It can reach up to €2 million depending on the option you choose


• We refund the money if your visa application is rejected


• It includes a Doctor Please medical teleconsultation, which consists of a phone or video call with a healthcare professional in your language and from anywhere in the Schengen area, 24 hours a day, 7 days a week.


• It covers funeral repatriation and burial


• We offer assistance for formalities


• It includes civil liability coverage


• Coverage for death and disability


• It has a very competitive price for a company with a long history and international renown


• Luggage coverage (included or optional depending on the plan you choose)


• It covers medical consultations, surgical interventions, the purchase of medications, search and rescue in case of an accident, and repatriation if necessary.

How much does travel insurance for Spain from Ecuador cost?

AXA’s mandatory insurance for Spain from Ecuador has different costs depending on the option you choose. At AXA, to make your life easier, we offer several options to adapt as much as possible to your budget and travel style. Here are the options:

• BASIC Insurance: The no-frills coverage: pay only for what you need. It is simple coverage and is accepted by European authorities. It protects in all Schengen countries + European microstates (San Marino, Andorra, Monaco, and Vatican City)


• ESSENTIAL Insurance: The comprehensive coverage for traveling with absolute peace of mind and at an affordable price. It protects in all Schengen countries + EU countries + European microstates + United Kingdom


• PREMIUM Insurance: “All-inclusive” coverage, an “All-inclusive - zero worries” formula for traveling with complete peace of mind throughout Europe. It protects in all Schengen countries + EU countries + European microstates + United Kingdom


• ANNUAL Insurance: This is the formula designed for frequent travelers and/or holders of multiple-entry visas. You purchase it once, and it will cover all the trips you make to Europe in a year: Schengen countries + EU countries + European microstates + United Kingdom

How can I purchase travel insurance from Ecuador?

Well, the truth is that there are few things easier than purchasing travel insurance for Spain from Ecuador since the entire process is done online and in just a few minutes. In fact, you won’t even need to undergo a medical exam. You simply have to follow these easy steps:

• Choose the insurance that best suits you based on your budget and type of trip (these are the different options we mentioned in the previous section)


• Customize the policy, choosing the coverages you want to add.


• Calculate the final price and make the payment online with your credit or debit card.


• Download the certificate of the Schengen insurance that will be necessary for your Schengen visa application.

Remember! Don’t worry if your visa application is rejected. At AXA Schengen, we will refund the cost of your mandatory insurance for Spain from Ecuador.

What to do if I need medical assistance in Spain?

If you suffer an accident or setback during your stay in Spain, it is important to know how to act quickly and use your insurance correctly to avoid unnecessary expenses.

If it is a particularly serious emergency, call 112 directly, which is the emergency number in Spain, and once the initial scare has passed, you can contact AXA.

In any case, you can contact us at any time through the number listed on your policy. To expedite the call, remember to have your policy number and personal information on hand.

Other articles that might interest you

• How to choose the best Schengen travel insurance?


• The different types of Schengen visas


• Travel insurance for Spain from India

FAQ

Can I enter Spain without travel insurance?

This depends on the traveler’s nationality. If you are a citizen of a country that requires a Schengen visa to enter Europe, then you will be required to have travel medical insurance. This is the case for Ecuadorian citizens.

Is the insurance valid in other Schengen area countries?

Yes, AXA’s medical insurance for the Schengen area covers all Schengen countries. Additionally, depending on the option you choose, this geographic coverage can extend to other European Union countries or even the United Kingdom.

Does AXA Schengen insurance cover luggage loss?

Depending on the option you choose, our Schengen insurance will have more or less extensive luggage coverage. In any case, regardless of the option you choose, you can always add coverage for luggage loss.