Sanitas worldwide reimbursement cover may allow eligible medical expenses to be reimbursed when you use doctors, specialists or hospitals outside the standard Sanitas medical network, depending on the plan, reimbursement percentage, annual limit and policy terms. It can be useful for expats who travel regularly, split time between countries, want wider provider choice or prefer access to private medical care outside the standard network.
The basics
Worldwide reimbursement cover is designed to provide more flexibility by allowing eligible medical treatment outside the normal network to be reimbursed, subject to policy terms. Depending on the plan, it may apply to:
How it differs
| Network cover | Reimbursement cover |
|---|---|
| You use Sanitas network doctors and centres | You may use doctors outside the network |
| Costs are often handled directly in-network | You may pay first and claim back |
| Lower paperwork | More claim documents needed |
| Best for everyday Spain-based care | Best for flexibility and wider choice |
| Depends on the Sanitas network | Depends on reimbursement terms and limits |
Reimbursement-style cover usually means you may need to pay the provider first and then submit a claim with invoices and medical documents — different from normal network cover, where covered services inside the Sanitas network may be handled directly.
Who it's for
What's covered
Depending on the option and policy, reimbursement may apply to eligible medical costs such as:
Good to know
No. Travel assistance usually supports emergency situations during trips abroad. Worldwide reimbursement may provide broader reimbursement-style medical flexibility depending on the policy.
Some Sanitas options may offer specific international or US-related cover, but this must be checked carefully.
It may be useful as an extra benefit, but it does not automatically make a policy suitable for Spanish visa or residency purposes. Visa suitability depends on the main policy and certificate wording.
Before adding it, it is worth checking:
See also travel assistance cover, Sanitas USA cover and repatriation cover.
Get help
Spanish Health Insurance can help you check whether worldwide reimbursement cover may be available with your Sanitas plan and whether it fits your travel and healthcare needs.
Tell us how you travel and we will check whether worldwide reimbursement cover may be available with your Sanitas plan, explain the terms in plain English and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll check whether worldwide reimbursement fits your Sanitas plan — free advice in English.
FAQs
Common questions about Sanitas worldwide reimbursement cover.