You've picked your consulate. You've gathered your papers. The piece that trips up most applicants is the health insurance certificate — Spanish consulates want a very specific kind of cover, and travel insurance doesn't count.
I set up NLV policies every week.
Certificate in your inbox in 24 to 48 hours.
I'm Yana — official Sanitas agent, nationwide. English-speaking, personal, and available on WhatsApp before, during and after your visa application.
If your embassy appointment is close, tell me — I can prioritise the paperwork so it's ready in time.
The practical answers every NLV applicant asks me. If your question isn't here, ping me on WhatsApp — I answer every one myself.
Spanish consulates require comprehensive private health insurance from a Spanish-authorised insurer. Travel insurance is not accepted. The policy must include:
Sanitas Residents Visado is built to meet every one of these requirements out of the box.
Sanitas Residents Visado is the policy I recommend to most NLV applicants. It's built specifically for foreign residents — no copay, no waiting periods, repatriation included. Accepted by every Spanish consulate I've worked with.
For American clients, Sanitas Residents Platinum adds full USA cover up to €500,000 and 90% worldwide reimbursement. Same visa-compliance, wider net.
I'll help you decide based on your age, city and situation.
Once your policy is activated, you'll receive all the documents your consulate requires — in both Spanish and English.
The official Certificado de Seguro arrives as a PDF within 24–48 hours (Spanish, because that's what every consulate requires for the application file). I also send you the same document in English — so you can actually read what's covered, double-check the details, and know exactly what you're handing over.
Here's something many applicants don't know: we can set the policy start date up to 6 months in the future.
That means I can issue your certificate today — ready to attach to your NLV application — with a start date that lines up with when you actually plan to arrive in Spain after your visa is approved. You get the paperwork now, without paying for months of cover you're not using yet.
Most consulates want the start date to match either your embassy appointment or your planned arrival — each consulate has slightly different practice (Miami vs London vs Buenos Aires can differ). I'll help you pick the exact date once I know your consulate and your travel plans.
Yes — and you should.
You don't need a NIE or a Spanish bank account. I set up the policy using your passport number, and Sanitas accepts international payment methods. Your Certificado de Seguro is in your inbox before your embassy appointment, not after.
When you later have your NIE and Spanish account, we simply update the policy details.
Simple rule: as long as you send me proof of the visa rejection and the policy hasn't been used yet, we cancel and refund in full.
That's true whether the policy has already started or not — what matters is whether you've actually used it (no medical appointments, no claims, no card activated for use).
If the policy has already been used, a full refund isn't available — Sanitas contract terms apply, and we review your case together to see what options exist.
Still have a question? Ask me on WhatsApp →
Both are visa-compliant. Both have no copay and no waiting periods. The difference is how far the cover reaches beyond Spain.
The policy most of my NLV applicants start with. Full cover through the Sanitas network across Spain.
Everything in Residents, plus full cover in the USA and 90% reimbursement worldwide. The right choice for American clients — or anyone who spends real time back home.
Prices depend on age and city. I send your personal NLV quote within 24 hours — sometimes the same day.
This is where I sit every day — helping NLV applicants set up their policies, one at a time.
I've done this hundreds of times. Here's exactly how it works — no surprises.
Age (or date of birth), city where you'll live in Spain, family members you want covered, and your consulate deadline. Thirty seconds via the form below, or a WhatsApp message.
Within 24 hours — usually the same day. Two or three policy options priced for your exact age, city and family setup. Every discount already applied. No surprises later.
With your passport number and an international card. No NIE, no Spanish bank account needed. This part usually takes a phone or video call — thirty minutes at most.
Certificado de Seguro in Spanish, PDF, within 24 to 48 hours. If your consulate needs specific wording, we adjust it before you receive the final version.
Attached to your NLV application. I'm on WhatsApp for questions before your appointment, during your move, and after you arrive in Spain — for as long as you're my client.
"Yana answered all our questions quickly and explained all the details from the Spanish policy in English, which was a great help."
"Ms. Yana was a great help while helping me navigate my way to Sanitas insurance for me and my family. She was very patient with all my questions and doubts, explaining everything in great detail, often before I even asked."
All reviews are verified on Google — five-star average across 18 clients from the UK, US, Poland, Romania, Ukraine and more.
I write every quote myself. No auto-reply. No call centre.
That's the whole quote. Nothing hidden. Nothing you have to translate.
Chat on WhatsApp— or fill in the short form —