It's one of the most heartbreaking calls I receive. Someone has spent months preparing their Non-Lucrative Visa application. They've gathered every document, hired a lawyer, proved their financial means, found their dream home in Spain — and then their application gets rejected. Not because of their finances. Not because of their criminal record. Because of their health insurance. After 15 years helping people move to Spain, I can tell you this happens more than anyone admits

Moving to Spain is one of the best decisions you'll ever make. But choosing the wrong health insurance? That's a mistake that can cost you thousands of euros — or worse, get your visa rejected. After 15 years helping expats navigate the Spanish health insurance system, I've seen the same mistakes made over and over again. Here's what to watch out for. Mistake #1 — Using Travel Insurance Instead of Private Health Insurance This is by far the most common and costly mistake I se