Travel Insurance

Travel insurance for the Balearic Islands

•    Coronavirus and its impact on travel
•    Medical care for Brits in the Balearics
•    Local risks, weather and getting around

Palma Cathedral, Majorca Palma Cathedral, Majorca Palma Cathedral, Majorca

Covid-19 travel restrictions 

Coronavirus continues to disrupt travel to some destinations. The UK government regularly updates the list of countries you can travel to, but that doesn’t mean there will be no restrictions. It’s your responsibility to check the latest Foreign, Commonwealth and Development Office (FCDO) advice before you travel. Your travel insurance policy won’t be valid if you travel against it.


The same applies for any local entry requirements, such as testing, or restrictions in your destination country, like local lockdowns or curfews. Advice may differ by city or region or prevent certain activities. It’s up to you to check local coronavirus laws, guidelines and requirements in plenty of time before you go. Check what’s expected in your destination country.

 



Healthcare for UK nationals in Europe

The European Health Insurance Card (Ehic) has now been replaced by the UK Global Health Insurance Card (Ghic) for UK citizens. Both let you get emergency and state healthcare in EU countries for free or at a reduced cost. 

 

If you apply for a card now or you’ve applied and have yet to receive your Ehic, you’ll get the new Ghic instead. Your existing Ehic can still be used in the EU until it expires. The Ehic can no longer be used in Switzerland, Norway, Iceland or Liechtenstein in most cases. Find out what’s changed.

 

Neither card covers all eventualities so make sure you also have robust travel insurance with appropriate health cover for trips to the EU or any overseas travel. 

 


When the Balearics beckon... 

Over 2 million Brits visit the Balearic Islands every year. With hot summers and mild winters, this popular island group has plenty to offer all year round.

 

There are four main islands. Mallorca is the largest, and the largest in Spain overall. In the capital, Palma, you can visit the imposing gothic cathedral, browse in the many boutique shops, or watch the world go by in one of many street cafes. The island also has several good-sized towns dotted around the coast, accessible by public transport or easy to drive by car. 

 

It’s known as the party island, with San Antonio in particular popular with clubbers, but Ibiza also offers quieter family resorts and plenty of history. You’ll find it not least in Ibiza’s Old Town area. There are a number of UNESCO World Heritage Sites and several Michelin Star restaurants on the island.

 

Menorca is larger than Ibiza but much less developed, so offers a quieter pace of life. It’s famed for its natural beauty, including the beautiful springtime display of wildflowers, and towns with pretty whitewashed buildings to stroll around.

 

The smallest of the main islands, Formentera, still has plenty to offer. Miles of white sandy beaches and clear waters make it appealing for those looking to relax or maybe try snorkelling or other water sports.

 

Remember to buy travel insurance to cover your trip. The Balearics’ currency is the euro and it’s worth changing money before your trip so you don’t pay over the odds. And prepaid prepaid travel money cards are a convenient alternative to carrying lots of cash.

 

Healthcare in the Balearic Islands

Spain operates a good public healthcare system, which is available in the Balearics. Access to healthcare varies by island. Mallorca and Ibiza have multiple facilities while the smaller Menorca and Formentera have more limited services.

 

If you have a valid Ehic it should be accepted for emergency and necessary state healthcare. If you don’t have one, you can apply for a free UK Global Health Insurance Card (Ghic), which now provides the same access to healthcare as an Ehic in EU countries. 

 

Good travel insurance is still needed for eventualities not covered by the Ehic/Ghic including but not limited to repatriation, air rescue and dentistry – as well as non-health related emergencies like theft and loss of belongings (see below).

 

Some facilities offer both state-funded and private healthcare so you may need to specify which service you want. Make sure you know in advance what private care your insurance covers if that is your preferred option. If in any doubt opt for public as you’ll be expected to pay any costs not covered by your policy.

 

If you know in advance you will require treatment or have existing health conditions, research the nearest facilities. Knowing if they’re public or private and the location helps reduce the stress if and when the time comes.
In the event of an emergency, dial 112 for emergency support or 061 for an ambulance. When arriving at a hospital “urgencias” is the Spanish for accident and emergency.

 

Where possible take all prescription medicine you’ll need for the length of your stay, plus a bit more to cover any delays. If necessary, towns will have at least one pharmacy (famacias) open 24 hours where prescription and non-prescription medicines can be obtained. You may be required to produce your prescription and/or a doctor’s note to explain why you need it.
 

Blue Balearic waters Blue Balearic waters Blue Balearic waters

Travel risks in the Balearics 

Crime in Spain is generally low and although the Balearics’ average crime rate is higher than the mainland, most of this is opportunism and being extra careful can reduce any risk. 

 

The islands are generally safe but beware of pickpockets and bag thieves in the larger towns, mainly on Mallorca and Ibiza, and on beaches. Keep valuables secure, close or zip bags and avoid carrying valuables by hand or in easily accessed pockets. Try not to keep them all in the same place. Be careful what you display in public and only take out what you need. Be aware of current distraction scams. Store valuables in a room safe where possible. 

 

In the livelier resorts, crime in the evenings centres around taking advantage of those with impaired decision making after a few drinks. Make sure you’re aware of where you are in relation to your accommodation. Avoid quiet and badly lit areas at night. Be vigilant for anyone trying to add anything to your drink.

 

If taking part in water sports or other higher risk activities take all available precautions. Check if these activities will be covered on your travel insurance policy – they may not.

 

Always be careful on balconies, especially when alcohol has been consumed. 

 

Take precautions while out in the sun and keep hydrated. The tap water is safe to drink but may taste different to the UK. Bottled water is readily available at a reasonable price.

 

Where terrorist threats do occur in Spain and its territories, they usually relate to areas of the mainland, particularly Barcelona and the Catalonia region. Advice can change at any time, though, and you can check the current threat level before you travel. 

 

You’ll find more on the Foreign, Commonwealth and Development Office (FCDO) travel advice page for Spain.

 

Getting around 

Travelling around or between the Balearic Islands is simple. Public buses are available for travelling within the main islands. Check timetables before travelling as they vary at weekends and seasonally. 

 

Taxis are readily available in larger towns and cities. Rates are set to government levels to avoid scams so look for registered taxis.

 

You can travel between resorts on Mallorca and Ibiza from the bigger ports or to other islands by ferries, which operate daily services.

 

To drive in Spain, you must be at least 18 years old (16 for motorcycles up to 125cc) and hold a full UK driving licence. If you’re using UK insurance, make sure it covers you to drive abroad and for the length of your stay. Trips of three months or more may need additional cover.

 

Balearic locals drive on the right and the speed limit is in km/h. Seat belts are compulsory in the front and back of the vehicle for anyone aged 12 and over or children over 1.35m tall. If you’re travelling with children under 12, please check what safety measures/seating aids are required. Riders of motorcycles and mopeds must wear a crash helmet.

 

There are strict drink driving laws. The blood alcohol limit is 49mg of alcohol per 100 ml of blood or 29mg if you’ve held your licence for less than two years. Police carry out regular roadside checks, so it’s best not to consume any alcohol before driving. If you’re involved in an accident and have consumed alcohol it may invalidate your insurance.

 

Mobile use while driving is illegal unless using a hands-free kit (but not an earpiece). You must be away from the road before using a phone. Simply pulling over isn’t acceptable, even if the engine’s switched off.

 

You’re required to carry two red warning triangles for use at the front and rear of the vehicle in the event of a breakdown. And a spare wheel and the tools to change it. If you need to leave the vehicle, a reflective vest must be worn.
On-the-spot fines can be issued for offences. If paid within 20 days, they’ll be reduced by 50%.

 

Hiring a car can be a good way to see the larger islands. The minimum age is usually 21 for car hire but can be higher depending on provider. Check you’re insured to drive and, now Britain has left the EU, if you’ll need an additional permit.

Ibiza, the party island Ibiza, the party island Ibiza, the party island

Weather for the Balearics

The Balearics are hot in the summer and still relatively mild even in autumn and winter. The summer months can reach 30 degrees, while October, November and December temperatures average in the high teens to early 20s. January and February can see a pleasant 15 to 16 degrees.

 

Here are the average maximum temperatures on the main islands at different times of year:

 

 

Weather for Mallorca (Majorca)

Weather for Menorca (Minorca)

Weather for Ibiza (Eivissa)

January

15.4°C

14.2°C

15.8°C

February

15.5°C

14.1°C

16.0°C

March

17.9°C

16.1°C

17.9°C

April

20.4°C

18.3°C

20.1°C

May

24.4°C

22.1°C

23.2°C

June

28.6°C

26.3°C

27.2°C

July

31.1°C

28.8°C

29.7°C

August

31.5°C

29.5°C

30.4°C

September

27.7°C

26.1°C

27.5°C

October

23.9°C

22.8°C

24.0°C

November

18.9°C

18.0°C

19.3°C

December

16.2°C

15.2°C

16.6°C

Source: Met Office

 

Do I need travel insurance for the Balearics Islands? 

Travel insurance covers you against unforeseen events that could impact or disrupt your holiday. However unlikely they may seem, it can give you peace of mind up front and ease the stress and expense should something happen.

 

An Ehic or Ghic will give you access to state medical care for free or what it costs the locals. But they will only cover certain medical situations and not, for example, emergency air rescue or the cost of getting you home if needed. Buying travel insurance helps to complement the cover Ehic and Ghic provide. Make sure you declare medical conditions upfront so you get the right level of cover.

 

Travel insurance may provide assistance if belongings like passports, valuables and luggage are lost, stolen or damaged. It may also cover cancellation, travel delays or curtailment. 

 

Check your policy wording to make sure items such as gadgets are covered, and in the numbers you’ll be taking with you. You may need to increase your cover level or buy a separate policy for them.

 

If you only have one trip planned, a single-trip policy might offer you better value. For more regular travellers a multi-trip policy covers a 12-month period and may be more cost effective

 

Will travel insurance cover activities? 

Being islands, the Balearics offer lots of water sports as well as activities like Jeep safaris and hot air ballooning. Some activities will be covered as standard by travel insurance but others may not. It’s important to check if you’re covered for the activities you want to take part in. You might be able to upgrade your policy to add them on or buy a specialist policy that covers them.

 

It’s best to have easy access to a copy of your travel insurance to check any last-minute activities or trips are covered. If you’re visiting the Balearics as part of a cruise, you may need to take out cruise cover for your trip.

 

Are the Balearic Islands in Europe for travel insurance? 

The Balearics are part of Spain, which in turn is an EU member state. It is always worth checking with your insurer, but Spain will usually fall under Europe rather than ‘rest of the world’ for insurance policy purposes.

 

Is it safe to travel to the Balearic Islands? 

While it’s generally safe to travel to the Balearics, always check the FCDO’s travel advice page before both booking and travelling. This will provide information on Spain as a whole and any relevant information for islands like Mallorca, Ibiza, Menorca and Formentera. 

 

The FCDO page will also provide useful information, tips and potential risks to help keep you safe during your trip on things like health, terrorism, safety and security. Travelling against FCDO’s advice is likely to invalidate your insurance.


Interested in Travel Insurance with Covid-19 cover?

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