Before buying visa health insurance, it's worth checking what happens if your Spanish visa is refused. Cancellation and refund options can depend on the insurer, policy start date and whether cover has been used.
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Cancellation and refund options after a Spanish visa refusal can depend on the insurer, policy start date, whether the policy has been used and what proof of refusal is available. Before buying, ask how cancellation works if the visa is refused, especially if you need to pay annually or provide proof of payment. See also what happens if your visa is refused.
If the policy has not yet started, a refund or cancellation may be more straightforward; once cover has started, any refund may be partial or subject to conditions, and if you have used the cover it may be reduced or unavailable. Some insurers ask for proof of visa refusal before considering cancellation, so keep any refusal documentation. Choosing a sensible start date can also reduce the period at risk if the decision is delayed.
Whether an annual payment is refundable depends on the insurer and how much of the period has passed; monthly payment may be simpler to stop, but check whether full-period proof is needed first. Before buying, ask how cancellation works, whether proof of refusal is required, and how refunds are calculated. We can't guarantee a refund — that depends on the insurer's terms.
Cancellation after a refusal may be possible, but it depends on the insurer, policy start date, whether cover has been used and proof of refusal. Check the cancellation terms before buying.
If the policy has not yet started, a refund or cancellation may be more straightforward, but this still depends on the insurer's terms.
Once cover has started, any refund may be partial or subject to conditions, depending on the insurer and how much of the period has passed.
If you have made a claim or used the cover, a refund may be reduced or unavailable, depending on the insurer's terms.
Some insurers may ask for proof of visa refusal before considering cancellation or a refund. Keep your refusal documentation if you receive one.
Whether an annual payment is refundable depends on the insurer, the policy start date and whether cover has been used. Ask about this before paying annually.
Monthly payment may be simpler to stop in some cases, but check whether the application also needs proof of full-period payment before choosing it.
No, we cannot guarantee a refund, because cancellation and refunds depend on the insurer's terms and your circumstances. We can help you understand the cancellation conditions before you buy.
What it means for your cover.
Read more →Arranging cover before the decision.
Read more →Full-period payment and refunds.
Read more →Choosing the right start date.
Read more →When monthly works.
Read more →Request visa-suitable cover options.
Read more →Tell us your visa route, age, payment preference and preferred start date. We'll help you review private health insurance options and document requirements.
Send your details and we'll help you understand the cancellation conditions before you buy, so you know what may happen if the visa is refused. There's no obligation, and we can't guarantee a refund — that depends on the insurer.