Top Travel Insurance Plans for Gibraltar in 2025
- The best travel insurance plans for Gibraltar
- Is it currently safe to travel to Gibraltar?
- Is travel insurance required by law to enter Gibraltar?
- Why take out travel insurance for Gibraltar?
- What should travel insurance for Gibraltar cover?
- The Cost of Travel Insurance for Gibraltar
- How to Pay Less for Your Travel Insurance to Gibraltar
- Can you rely on your current insurance to cover you in Gibraltar?
- FAQ
Travel insurance for Gibraltar: key takeaways
1. Definition: Travel insurance for Gibraltar covers medical emergencies, repatriation, and other unexpected travel-related incidents.
2. Key protection: While not mandatory, insurance is vital as US health plans rarely cover you in Gibraltar.
3. Healthcare cost: Healthcare is high quality but expensive, with hospital stays costing over $1,000 per day.
4. Price: A one-week travel insurance policy for Gibraltar typically costs between $30 and $70.
5. Good to know: The European Health Insurance Card (EHIC/GHIC) benefits do not apply to US citizens.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Gibraltar.
The best travel insurance plans for Gibraltar
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Comprehensive protection for trips to Gibraltar. - high reimbursement limit - repatriation included - modern support features |
| Cap Assistance 24/24 | $1.1M | Strong choice for short-term visits. - unlimited medical advice - covers cancellations - no deductible |
| Tourist Card | $550K | Good for tourists seeking balanced coverage. - solid medical benefits - emergency assistance - accessible pricing |
| Travel Pass Monde | $770K | Well-suited for adventurous travelers. - repatriation included - hospital costs covered - flexible policy scope |
| Globe Partner | $330K | Dependable coverage for longer stays. - medical care abroad - civil liability - simple claims process |
| Globe Traveller | $550K | Good option for budget-conscious visitors. - essential medical cover - quick reimbursement - cap suited for short trips |
- high reimbursement limit
- repatriation included
- modern support features
- unlimited medical advice
- covers cancellations
- no deductible
- solid medical benefits
- emergency assistance
- accessible pricing
- repatriation included
- hospital costs covered
- flexible policy scope
- medical care abroad
- civil liability
- simple claims process
- essential medical cover
- quick reimbursement
- cap suited for short trips
Is it currently safe to travel to Gibraltar?
As of June 2025, the US Department of State advises travelers to Gibraltar to exercise increased caution, in line with a Level 2 vigilance rating. Travel is not discouraged, but increased awareness is recommended due to terrorism risks and evolving entry requirements.
Security risks: there is an ongoing threat of terrorism in Gibraltar, as in other parts of the UK, particularly in public areas such as Main Street or near the Gibraltar airport. Tourists should stay alert and comply with security instructions, especially at crowded sites.
Health risks: no specific vaccinations are needed to enter Gibraltar from the US, but travelers should ensure their health insurance covers the region. Medical care is widely available in Gibraltar, but non-EU visitors are personally responsible for all medical charges.
Legal constraints: all US travelers must have a valid US passport for the full duration of their stay and, starting January 8, 2025, an Electronic Travel Authorization (ETA) is required for entry. There are no visa requirements for short tourist visits of up to 90 days.
Border and logistical issues: border checks between Spain and Gibraltar can sometimes cause significant delays, especially during periods of political tension or busy travel seasons.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Gibraltar.
Is travel insurance required by law to enter Gibraltar?
No, travel insurance is not mandatory for US travelers to enter Gibraltar.
However, it is strongly recommended to carry travel insurance. While medical care is widely available in Gibraltar, non-EU visitors, including US citizens, are responsible for their own healthcare costs. Emergency care or specialized treatments can quickly become expensive, and insurance helps cover medical costs, hospitalizations, and potential evacuations.
According to our data, 50% of travelers purchase travel insurance before going to Gibraltar because it is a very safe country, but costs for healthcare and unexpected incidents can still be significant.
Why take out travel insurance for Gibraltar?
It is an essential financial and medical protection for anyone going to Gibraltar.
Foreigners in Gibraltar do not have access to the public healthcare system, and all care must be paid for at private clinics such as St Bernard’s Hospital. Costs can be significant, especially if hospitalization or complex procedures are required. Emergency evacuation to Spain or the US may also be needed for serious cases, quickly increasing expenses.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Gibraltar.
| Example of medical treatment | Cost at St Bernard’s Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 4,000 GIP (about $5,100 USD) | 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,600 GIP (about $3,300 USD) | 100% |
| I need to be repatriated | 19,000 GIP (about $24,300 USD) | 100% |
| I have appendicitis (consultation and surgery) | 6,900 GIP (about $8,800 USD) | 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Gibraltar cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospitalization, surgery, and prescriptions during your trip. A minimum reimbursement limit of $100,000 is recommended. |
| 🚑 Medical evacuation | Pays for air or ground evacuation to the US or nearest country if needed. Recommended minimum: $150,000. |
| ✈️ Trip cancellation/interruption | Reimburses prepaid trip costs if you must cancel or interrupt your visit due to illness, accidents, or emergencies. At least $5,000 is suggested. |
| 🛄 Baggage loss or delay | Covers lost, stolen, or delayed luggage and personal items. A minimum coverage of $1,500 is advisable. |
| 🦷 Dental emergencies | Provides reimbursement for emergency dental care due to injury or severe pain. Aim for at least $500 in coverage. |
| 🚗 Personal liability | Covers accidental injury to others or damage to property. Recommended coverage is $25,000. |
| 🏞️ Activity-related coverage | Pays for injuries during excursions, hiking, or adventure activities in Gibraltar. Check that your policy covers the activities you plan to do. |
| 📞 24/7 assistance | Offers around-the-clock emergency support for help with medical or travel-related issues. This service should always be included for peace of mind. |
A minimum reimbursement limit of $100,000 is recommended.
Recommended minimum: $150,000.
At least $5,000 is suggested.
A minimum coverage of $1,500 is advisable.
Aim for at least $500 in coverage.
Recommended coverage is $25,000.
Check that your policy covers the activities you plan to do.
This service should always be included for peace of mind.
Travel insurance from local providers or bank cards often comes with low reimbursement limits, significant exclusions, and limited help in emergencies. Selecting a trusted insurer with full coverage is a safer solution. Compare the best choices on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Gibraltar
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $24 |
| 2 weeks | 45 years old | $37 |
| 1 month | 35 years old | $59 |
| 1 month | 70 years old | $139 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is shaped by several key details: your age, the trip's duration, your destination, desired coverage limits, and any optional add-ons like a cancellation waiver. Keeping these factors in mind is essential to find the right coverage for your trip at a fair price, protecting you from unexpected costs.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Gibraltar
Here are some suggestions to optimize the cost of your travel insurance to Gibraltar while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🌎 Level of coverage | Medical care in Gibraltar is private for non-EU nationals, so medical coverage is essential. | Choose a plan with solid medical limits but avoid unnecessary extras for activities or benefits you will not use. |
| 👫 Number of travelers | Family or group plans often reduce the per-person cost compared to individual policies. | Purchase a group or family policy if traveling with others to benefit from discounted pricing. |
| 🗓️ Trip duration | Premium is closely tied to the length of your trip. | Enter your exact dates of stay when requesting a quote to avoid paying for unnecessary extra days. |
| 🏥 Deductible choices | Higher deductibles mean lower premiums but require more out-of-pocket during a claim. | Select a higher deductible you are comfortable with to see a noticeable decrease in premium costs. |
| 🏄 Activities covered | Certain leisure or sports activities may require special coverage and increase the premium. | Only include coverage for the specific activities you plan to do while in Gibraltar to avoid paying more. |
| 👵 Traveler’s age | Senior travelers often pay more for comprehensive plans, though medical cover is important. | Compare options from providers, and remember Heymondo does not increase its prices for people over 62. |
| 🏳️ Geographic coverage | Adding insurance for broader regions raises costs without added value for a single-country trip. | Choose a Europe or Gibraltar-only plan for your trip to avoid unnecessary premiums for worldwide coverage. |
Can you rely on your current insurance to cover you in Gibraltar?
It’s completely legitimate to wonder whether your current coverage—such as public or private health insurance, or credit card insurance—will cover you during a trip to Gibraltar. Unfortunately, these types of coverage are often limited and may not meet your real needs in case of an emergency. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Gibraltar? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas medical or hospital coverage. No care costs reimbursed outside the United States. | Travel insurance covers up to $100,000 for medical care and $500,000 for evacuation. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | May reimburse emergency care up to $25,000; no routine local treatment or evacuation. | Travel insurance pays local bills and covers $100,000+ medical care with $300,000+ evacuation. |
| Classic credit card (Wells Fargo Active Cash, Citi Double Cash, Chase Freedom) | Yes, partly | Emergency medical overseas, usually under $10,000. No trip cancellation or evacuation. | Travel insurance covers $100,000+ for medical, with luggage, trip delay, and repatriation coverage. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical claims up to $50,000–$100,000, some flight delay and baggage benefits. | Travel insurance covers $500,000 evacuation, high medical limits, and cancellation protection. |
Example
While exploring Gibraltar's Upper Rock, David fell, sustaining a complex leg fracture. The emergency surgery and hospital stay totaled $30,000. His US health plan denied the foreign claim, and his Chase Sapphire card's insurance had a $10,000 limit. David faced an unexpected $20,000 bill for a vacation accident.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to Gibraltar?
U.S. citizens do not need a visa for tourist visits to Gibraltar of up to 90 days. However, starting January 8, 2025, an Electronic Travel Authorization (ETA) is required for entry. A U.S. passport valid for the entire stay is mandatory. Ensure you apply for your ETA online before your trip.
How do I purchase travel insurance for Gibraltar?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool. Next, review coverage details and exclusions, with attention to medical care and evacuation relevant for Gibraltar. Buy your preferred policy securely online. Once purchased, your insurance certificate will be sent to you by email.
What health risks should I be aware of when traveling to Gibraltar?
Gibraltar does not require specific vaccinations for entry and its health standards are high. Emergency medical care is widely available, and the local emergency number is 112. Travelers should still ensure their insurance covers medical treatment and potential evacuation for peace of mind.
Is trip cancellation insurance important when traveling to Gibraltar?
Trip cancellation insurance is advisable, as unforeseen events like illness, bad weather, or airline disruptions can affect travel plans. This type of coverage can reimburse you for non-refundable expenses such as flights or hotels, protecting you from financial loss if you need to cancel or interrupt your trip.
How does travel insurance handle border issues between Spain and Gibraltar?
Delays can occur at the border between Spain and Gibraltar, especially during peak travel periods. Some travel insurance policies offer limited coverage or delay compensation if your travel is disrupted by border issues. Always check the "travel delay" or "missed connection" section of your policy for specific terms.
Do I need a visa to travel to Gibraltar?
U.S. citizens do not need a visa for tourist visits to Gibraltar of up to 90 days. However, starting January 8, 2025, an Electronic Travel Authorization (ETA) is required for entry. A U.S. passport valid for the entire stay is mandatory. Ensure you apply for your ETA online before your trip.
How do I purchase travel insurance for Gibraltar?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool. Next, review coverage details and exclusions, with attention to medical care and evacuation relevant for Gibraltar. Buy your preferred policy securely online. Once purchased, your insurance certificate will be sent to you by email.
What health risks should I be aware of when traveling to Gibraltar?
Gibraltar does not require specific vaccinations for entry and its health standards are high. Emergency medical care is widely available, and the local emergency number is 112. Travelers should still ensure their insurance covers medical treatment and potential evacuation for peace of mind.
Is trip cancellation insurance important when traveling to Gibraltar?
Trip cancellation insurance is advisable, as unforeseen events like illness, bad weather, or airline disruptions can affect travel plans. This type of coverage can reimburse you for non-refundable expenses such as flights or hotels, protecting you from financial loss if you need to cancel or interrupt your trip.
How does travel insurance handle border issues between Spain and Gibraltar?
Delays can occur at the border between Spain and Gibraltar, especially during peak travel periods. Some travel insurance policies offer limited coverage or delay compensation if your travel is disrupted by border issues. Always check the "travel delay" or "missed connection" section of your policy for specific terms.
