42 Spanish Phrases for Health and Auto Insurance

42 compact Spanish phrases for comparing health and car insurance, asking about coverage and costs, preparing documents, filing claims, and changing a policy.

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Insurance quotes
Health coverage
Auto coverage
Costs and documents
Claims and repairs
Policy changes

Insurance quotes

Quisiera una cotización de seguro médico.
I would like a health insurance quote.
Necesito asegurar mi coche.
I need to insure my car.
¿Puede comparar estos planes?
Can you compare these plans?
Busco cobertura para mi familia.
I am looking for coverage for my family.
Quiero una póliza sencilla.
I want a simple policy.
¿Qué incluye este plan?
What does this plan include?
¿Hay período de espera?
Is there a waiting period?

Health coverage

¿Cubre visitas al médico?
Does it cover doctor visits?
¿Cubre medicamentos recetados?
Does it cover prescription medicine?
¿Hay copago por consulta?
Is there a copay for appointments?
¿Puedo elegir clínica?
Can I choose a clinic?
Necesito añadir a mi hijo.
I need to add my child.
Tengo una enfermedad previa.
I have a pre-existing condition.
¿Cubre urgencias hospitalarias?
Does it cover hospital emergencies?

Auto coverage

Este es mi permiso de conducir.
This is my driver's license.
El coche es de segunda mano.
The car is second-hand.
Quiero seguro a terceros.
I want third-party insurance.
¿Incluye daños propios?
Does it include own-damage coverage?
¿Cubre asistencia en carretera?
Does it cover roadside assistance?
¿Cubre coche de alquiler?
Does it cover a rental car?
Mi pareja también conduce.
My partner also drives.

Costs and documents

¿Cuánto es la prima mensual?
How much is the monthly premium?
¿Cuál es la franquicia?
What is the deductible?
¿Hay descuento anual?
Is there an annual discount?
Necesito pagar por transferencia.
I need to pay by bank transfer.
Aquí están mis documentos.
Here are my documents.
¿Cuándo empieza la cobertura?
When does coverage start?
Necesito la tarjeta del seguro.
I need the insurance card.

Claims and repairs

Quiero abrir un siniestro.
I want to open a claim.
Tuve un accidente ayer.
I had an accident yesterday.
Nadie resultó herido.
No one was injured.
Necesito enviar fotos del daño.
I need to send photos of the damage.
¿Qué taller puedo usar?
Which repair shop can I use?
¿Cuándo vendrá el perito?
When will the adjuster come?
El reembolso aún no llegó.
The reimbursement has not arrived yet.

Policy changes

Quiero cambiar mi dirección.
I want to change my address.
Necesito añadir otro conductor.
I need to add another driver.
Quiero quitar un vehículo.
I want to remove a vehicle.
¿Puedo cancelar la póliza?
Can I cancel the policy?
Necesito un certificado de seguro.
I need an insurance certificate.
Envíen la póliza por correo.
Send the policy by email.
Gracias por su ayuda.
Thank you for your help.

Frequently Asked Questions (FAQ)

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Repeat them aloud after the speaker. Use the audio trainer for listening, and the phrase trainer for typing practice.

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We recommend focusing on 5-10 new phrases every day. Consistency is more important than quantity.

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Learning ready-made chunks helps you speak faster, sound more natural, and avoid spending time thinking about grammar.

These phrases will help you communicate confidently in real-life situations. Practice them with audio and add to your phrase trainer for better retention.

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