These terms govern your use of spanishvisahealthinsurance.com ("the site"), operated by Neil Peter Osborne. By using this site, you agree to these terms. If you do not agree, please do not use the site.

Informational purpose only

All content on this site is provided for general information and comparison purposes only. It does not constitute:

Health insurance requirements for Spanish visas can change. Always verify current requirements with the relevant Spanish consulate in your country before making any application or purchase decision.

Accuracy of information

We make reasonable efforts to keep pricing, coverage details, and regulatory information accurate and up to date. However, insurance premiums and product terms change regularly, and we cannot guarantee that all information is current at the time you read it. Prices shown are indicative and based on published insurer rates for a reference age — your actual premium will depend on your age, province, health history, and current insurer tariffs.

We accept no liability for decisions made on the basis of information on this site. You should always obtain a formal quote and read the insurer's policy documents before purchasing.

Affiliate links

Some links on this site are affiliate or referral links. If you purchase a product through these links, we may receive a commission. This does not affect the price you pay. Full details are in our Affiliate Disclosure.

Intellectual property

All content on this site — including text, layout, structure, and original comparisons — is the intellectual property of Neil Peter Osborne unless otherwise stated. You may not reproduce, republish, or distribute any content from this site without prior written permission, except for brief quotation with attribution and a link to the original page.

Third-party sites

This site links to third-party websites including insurance brokers, insurer sites, and government resources. We are not responsible for the content, accuracy, or practices of those sites. Links are provided for convenience and do not imply endorsement beyond the context stated.

Limitation of liability

To the fullest extent permitted by law, Neil Peter Osborne and spanishvisahealthinsurance.com shall not be liable for any loss or damage arising from your use of or reliance on information on this site, including but not limited to: visa application outcomes, insurance purchase decisions, or financial loss resulting from inaccurate pricing information.

Governing law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to these terms

We may update these terms at any time. Changes are effective upon posting to this page. Continued use of the site after changes constitutes acceptance of the updated terms.

Contact

Questions about these terms? Use the enquiry form.