Insurance Occident
Specialist in protection and planning for international residents in Spain
With over 20 years of experience, Rafael helps foreign families and property owners to ensure their peace of mind and well-being in Spain.
His aim is to simplify processes and ensure that his clients
have everything they need to enjoy their lifestyle in Spain without worry.
✈ Travel Insurance: Why It Matters – Especially If You’re Over 70
Are you planning a trip? Whether it’s a holiday abroad or a visit to family, it’s important to make sure you’re properly protected.
Many people believe that travel insurance is difficult to get after a certain age – but that’s not true.
✅ You can still take out a travel insurance policy after the age of 70, although some conditions may vary depending on the insurer.
🌍 Why travel insurance is essential – particularly for senior travellers:
🏥 Medical assistance abroad: Covers emergencies, hospital stays, or medical repatriation – which can cost thousands of euros without insurance.
✈ Trip cancellation or delay: Refunds expenses if your trip is cancelled or delayed due to illness, accident, or other unforeseen reasons.
🎒 Lost or stolen luggage: Provides compensation if your belongings are lost, damaged, or stolen.
🕐 24-hour multilingual assistance: Immediate support wherever you are, in your own language.
📄 Entry requirements: Some countries (like Cuba, Russia or those in the Schengen area) require travel insurance for visa purposes.
👵👴 For travellers over 70:
Yes, you can still get covered! 🙌 However, it’s important to check:
🧾 Age limits: Each company sets its own limits – make sure your policy correctly states your age.
❤ Pre-existing conditions: Some policies restrict cover for known medical conditions, so choose one that clearly specifies how these are handled.
💳 No upfront payments: Look for a policy that provides direct assistance abroad, without having to pay and claim later.
🌞 In short: Travel insurance is not just for peace of mind – it’s an essential safeguard, especially for travellers over 70. It ensures you receive immediate medical help if needed, protects your trip investment, and allows you to travel with complete confidence. 🌎✨
Is it mandatory to have a Homeowners’ Association (Comunidad de Vecinos) in Spain?
And more importantly: Should it be insured?
📌 WHEN IS IT MANDATORY TO SET UP A COMMUNITY OF OWNERS?
✅ Yes, it’s mandatory when a building has five or more different owners.
✅ Also required when there’s horizontal property (several units or shops with shared areas).
⚠ Not mandatory if there are four or fewer owners, but it is highly recommended.
👥 Even when it’s not legally required, setting up a formal community helps with decision-making, maintenance, and harmonious living.
🔐 And the insurance? It may not always be mandatory, but it’s definitely necessary. Why?
🏠 Benefits of having Community Insurance:
Protection of common areas: roof, stairs, elevator, garage, etc.
Liability coverage: in case someone gets injured in shared areas.
Damage and disaster coverage: fires, floods, water damage…
Financial peace of mind: avoids large unexpected expenses.
Legal compliance: in some regions, it’s mandatory.
Added value: insured buildings attract more responsible buyers and tenants.
📩 Need advice on your community or insurance needs? I’m here to help—no obligation.
Insurance in Spain – What You Need to Know as a Foreign Resident
Moving to Spain or running a business here comes with many exciting opportunities, but also new responsibilities, especially when it comes to insurance. As a local insurance advisor with 20 years of experience helping expats, I understand the unique challenges you face and can guide you in
protecting what matters most.
Key Insurance Needs for Residents
✅ Home Insurance – Spanish policies not only cover fire, theft, and water damage but also include practical services like plumbers, locksmiths, and electricians—essential when you don’t know who to call.
✅ Car Insurance – If you are a resident, you must register your vehicle in Spain. Foreign insurance is not valid here. I can help you find the right coverage.
✅ Funeral Insurance – Spanish bureaucracy can be complex, especially in difficult times. A funeral plan ensures everything is handled smoothly, including repatriation if needed.
✅ Health Insurance – While Spain has a public healthcare system, waiting times can be long. A private health policy gives you fast access to top medical care.
If You Run a Business in the Area
✅ Liability Insurance – Essential to protect your business from legal claims.
✅ Income Protection – If you are self-employed, being unable to work due to illness or injury can be a financial risk. A tailored policy can provide peace of mind.
✅ Health Insurance for Business Owners – Faster medical treatment means less downtime and more productivity.
✅ Employee Insurance – Attract and retain staff with competitive health and life insurance benefits.
I offer expert, tailored advice in English and German.
Whether you prefer to meet at my office or in the comfort of your home, I am here to help. Contact me today for a free consultation!
Rafael Sampedro Izquierdo
Mediador Registrado nº CO46828594926S
C/ Soledad 1, Ed. Solano Local 2
11130 Chiclana de la Ftra.
956408233 / 659293766
rafael.sampedro@occident.com