I think residents in Spain often need insurance that reflects their specific situation, and https://www.globelink.co.uk/policy-options/spain-travel-insurance.html is clearly part of that niche because it focuses on travel cover options connected to living there. What do you think matters more for Spain-based travellers: eligibility rules or the scope of coverage?

Hang gliding in Rio de Janeiro, my harness buckle failed during launch from the Pedra Bonita ramp, and I found myself hanging by one strap while the pilot screamed instructions in Portuguese. The flight lasted eight minutes, during which I used muscles I didn't know I had to keep myself from sliding out of the harness. The landing on São Conrado beach was rough—I hit the sand hard enough to chip a tooth and bruise my tailbone—but I was alive. The dental work in Rio cost four hundred dollars, cheap by American standards, but the real scare came later when an MRI showed a small herniated disc in my lower back from the impact. The treatment required epidural injections and months of physiotherapy. My basic travel insurance excluded hang gliding entirely, listing it as "aerial activity requiring specialized coverage." The only reason I wasn't bankrupt was airsports travel insurance , which I had purchased after a friend's horror story about a paragliding accident in Switzerland. That policy cost me ninety dollars for the trip and saved me over fifteen thousand in medical bills. The chipped tooth is now a crown, and the herniated disc is a memory, but the insurance card stays in my wallet permanently.