Destination
Health insurance in Andorra
Living in Andorra as a digital nomad, perpetual traveler or expat is not a short trip with a return date. You need cover that follows you and works wherever you settle for the next few months. Travel insurance runs out and is built for tourists. An international long-term plan stays with you, across borders, with no end date.
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The 30-second read
- Healthcare in Andorra: Public CASS reimburses 75% outpatient and 90% hospitalization for contributors.
- Insurance and visa: No formal tourist visa for most; Andorra only reachable by land via France or Spain, so Schengen rules (and ETIAS from late 2026) apply before entering.
- From three months on, an international long-term plan beats a travel policy: it is permanent, covers ongoing treatment, and moves with you to the next country.
Quick facts
- Insurance for visa
- No formal tourist visa for most; Andorra only reachable by…
- Recommended cover
- 100,000 to 250,000 min for travelers; 1,000,000+…
- Healthcare
- Public CASS reimburses 75% outpatient and 90%…
- Risk level
- Very
- Nomad hubs
- Andorra la Vella (capital, main coworking incl. Hive Five…
- Emergency
- 112
- Best for
- HNW remote workers and entrepreneurs seeking low tax (10%…
The system
Healthcare in Andorra
Andorra has two sides to its healthcare system. Public CASS reimburses 75% outpatient and 90% hospitalization for contributors. Non-residents and tourists pay 100% out of pocket at tourist rates and must hold private cover. Quality is high but Andorra has only one main hospital (Hospital Nostra Senyora de Meritxell); complex cases referred to Barcelona or Toulouse
Nomads and expats typically use private clinics in Andorra la Vella (capital, main coworking incl. Hive Five and Ingeni). With an international long-term plan, you choose the clinic yourself and, where possible, the insurer pays the hospital directly so you do not have to cover a large bill on the spot.
What you'd pay
Typical costs
| GP visit | 40 to 90 |
|---|---|
| Hospital / day | 210 to 380 |
| Emergency room | 300 to 450 |
| Dental | 60 to 200 cleaning/exam; 200 to 1,700 for major work (root canal, crown, implant) |
| Flight home (medical) | 4,000 to 25,000 (Andorra to Barcelona/Toulouse short hops; longer to Paris/Madrid) |
All prices in USD. Ranges reflect private-sector quotes; public-sector costs are lower but rarely available to short-term foreigners.
One bad accident with a flight home can cost six figures. That is what you are insuring against, not the daily doctor visit.
Entry & stay
Visa, residency & insurance
Visa and residency rules in Andorra matter for two reasons: which permit lets you stay long enough, and whether private health cover is required as proof.
No formal tourist visa for most; Andorra only reachable by land via France or Spain, so Schengen rules (and ETIAS from late 2026) apply before entering. Stays count against Schengen 90/180
These rules apply to: Most non-EU do not need an Andorran visa but must satisfy Schengen entry at French or Spanish border; from late 2026 most visa-exempt need ETIAS to enter France or Spain. EU/EEA/Swiss may enter with ID card. Visa rules change often and depend on your passport, so always confirm with the official immigration service before you apply.
Who these rules apply to: Most non-EU do not need an Andorran visa but must satisfy Schengen entry at French or Spanish border; from late 2026 most visa-exempt need ETIAS to enter France or Spain. EU/EEA/Swiss may enter with ID card
Tourist (visa-free, Schengen-gated)
90 days in any 180-day Schengen period (counted across Schengen + Andorra)
- Insurance
- RecommendedStrongly recommended; tourists pay 100% of medical costs at tourist rates
- Good for
- Most non-EU visitors and short-stay travelers entering via France or Spain
- Requirement
- Valid passport or EU ID card; from late 2026 ETIAS required for visa-exempt non-EU to enter France or Spain first
Passive Residence (Residencia Passiva)
Renewable; min 90 days physical presence/yr
- Insurance
- Required(private cover for Andorra)
- Good for
- Non-working investors, retirees, HNW living off passive income
- Requirement
- 1,000,000 EUR investment in Andorran assets (800,000 EUR min per real-estate unit) + 50,000 EUR non-refundable AFA deposit under 2026 Omnibus 2 reform; income >300% of Andorran min wage (+100% per dependent); clean record
Active Residence (Self-Employed / Compte Propi)
Renewable; min 183 days physical presence/yr
- Insurance
- Required(private cover until enrolled in CASS public)
- Good for
- Entrepreneurs running an Andorran company, freelancers, remote business owners
- Requirement
- Majority shareholding in an Andorran company, real economic activity and effective management proof, 50,000 EUR non-refundable AFA deposit, apostilled criminal record from prior countries of residence, Andorran address
Sports Professional Residence
Renewable; min 90 days physical presence/yr
- Insurance
- Required(private cover)
- Good for
- Internationally recognized athletes and coaches (skiers, cyclists, motorsport) basing in Andorra
- Requirement
- Professional sporting status with at least 85% of income from sporting activity, Andorran address, clean record, 50,000 EUR non-refundable AFA deposit; VERIFY current sport-specific thresholds
Entrepreneur / Innovative Activity Residence
Renewable; min 90 days physical presence/yr
- Insurance
- Required(private cover)
- Good for
- Founders launching innovative or high-value projects approved by Andorran government
- Requirement
- Business plan approved by Ministry of Economy under innovative-activity framework, viability and innovation criteria, Andorran address, 50,000 EUR non-refundable AFA deposit; VERIFY current approval list
Visa rules change often and depend on your nationality. Last checked: 2026-06. Always confirm with the official immigration service or your nearest consulate before you apply.
Honest take
Do you actually need it?
Yes. Your home-country public health insurance will not pay abroad for long, and the public system in Andorra is rarely a real option for foreigners. Without private cover you pay every bill yourself, from a GP visit to a flight home.
For a stay of three months or more, an international long-term plan is the only thing that really works. It is permanent, it covers ongoing and chronic treatment after the waiting period, and you can choose any clinic in the country.
Local risk notes
What to watch out for in Andorra
The biggest real risks in Andorra are concrete and country-specific, not abstract.
Avalanches and off-piste skiing accidents in winter (Dec-Mar), winter road conditions and chain requirements on mountain passes, rockfall and closures on RN20 France access, altitude (Andorra la Vella ~1,020m, ski areas >2,000m), limited specialist medical capacity requiring cross-border transfer
Risk level: Very low (US Level 1; Numbeo Safety Index ~85, among safest in Europe). Main hazards mountain-related: avalanches off-piste, winter driving on mountain roads, rockfall on RN20 access from France. Good cover pays for both the treatment and the transfer to a specialist clinic.
Our tip
Give yourself time to adjust in Andorra la Vella (capital. Watch out for avalanches and off-piste skiing accidents in winter (dec-mar).
Common questions
Andorra insurance FAQ
No formal tourist visa for most; Andorra only reachable by land via France or Spain, so Schengen rules (and ETIAS from late 2026) apply before entering.
Only if you are staying a short time. From around three months you need international long-term cover that is permanent and includes ongoing treatment.
Public CASS reimburses 75% outpatient and 90% hospitalization for contributors. Non-residents and tourists pay 100% out of pocket at tourist rates and must hold private cover. Quality is high but Andorra has only one main hospital (Hospital Nostra Senyora de Meritxell); complex cases referred to Barcelona or Toulouse
In a private hospital, expect 210 to 380 per day. The most expensive item is a medical flight back home, which runs 4,000 to 25,000 (Andorra to Barcelona/Toulouse short hops; longer to Paris/Madrid).
A real international long-term plan is not tied to one country. It covers you across borders. Check the wording for any limit on time spent in your home country.
Key takeaway
Andorra works for nomads. Medically, you go private. With an international long-term plan you move freely without paying out of pocket when it counts.
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