How to find a therapist covered by insurance in Spain

Food, Health and Wellness Health Insurance

March 20, 2025

Navigating mental health care can feel overwhelming, especially in a new country. For expats living in Spain, finding a therapist covered by insurance in Spain is an important step toward prioritizing your mental well-being. Fortunately, if you're covered by Caser Expat Insurance, the process is simpler than you might think.

In this post, we'll discuss the importance of mental health for expats, walk you through the different Caser health insurance plans that include psychological care, outline how to find therapists who are covered under your Caser insurance plan. Whether you're managing a specific mental health challenge or simply seeking support during your transition to life in Spain, this post will help you take the first step toward a healthier, happier you.

Why is mental health care so important for expats?

Mental health care is vital to expats because they often face unique challenges that can significantly impact their mental well-being. Moving to a new country involves leaving behind support systems, such as family, friends, and community, which can lead to feelings of loneliness and isolation.

Expats must also navigate cultural differences, language barriers, career changes, and the stress of adapting to unfamiliar social norms. According to one study, 80% expat employees are experiencing negative mental health symptoms due to their working environment. Having a child abroad, in particular, can be challenging on expat womens’ mental health during pregnancy. These challenges can exacerbate existing mental health problems and contribute to anxiety, depression, and other mental health issues if not addressed.

By addressing mental health proactively, expats can better integrate into their host countries and make the most of their international experience. Access to mental healthcare provides a safe space for expats to process their emotions, develop coping mechanisms, and build resilience in their new environment. Caser Expat Insurance is there to step for expats in their time of need.

A psychologist attending to their patient after they found out how to find a therapist covered by insurance.

Which Caser health insurance plans include psychological coverage?

At Caser Expat Insurance, we include psychology specialists in all of our health insurance plans because we believe that psychological care is as important as any other health coverage. Depending on the plan, we include 15-20 individual psychology sessions per insured person per year. For cases of eating disorders, an additional 20 sessions per insured person per year are included.

Our four main healthcare plans are detailed below. Find which one fits your needs!

Médica: Essential coverages for everyday life, with diagnostic tests and numerous specialities at an affordable price. While it does not include hospitalization, you can customize your co-payment.
Integral: Includes all coverages that you and your family might need, including hospitalization and reimbursement of pharmacy and optician's expenses. What’s more, you can decide if you want a co-payment or not.
Adapta + Dental: We call this Adapta because it’s a very adaptable insurance. It’s geared towards young people, with hospitalization and dental coverage included but without the additional cost of co-payment. There is also a version of Adapta specifically for people aiming to gain residency in Spain called Adapta for Residency Permit.
Prestigio: This is our full-coverage, comprehensive health plan with hospitalization and without co-payment. Its main feature that is attractive to customers is reimbursement of expenses when you choose a specialist outside of the Caser Medical Directory. That means if you already have a doctor in Spain but they don’t accept Caser insurance, you can submit an invoice and we will reimburse you up to 90% of the cost.

How to find a therapist covered by Caser insurance in Spain?

At Caser, we provide clients with an extensive directory of renowned medical professionals. On the Medical Directory page on our website or through our mobile app, you can always check the up-to-date list of professionals who are at your disposal.

To navigate the Medical Directory, first choose between “Doctors and centers” or “Emergencies”. The doctors and centers option offers a dental care feature, while the emergencies option does not.

medical directory caser to find a therapist covered by insurance

You will then be asked to provide core location information such as your province and town.

Finally, you will be asked which specialty or diagnostic test you are searching for. For doctors and centers, this includes everything from Allerology to Urology, and of course includes Psychiatry and Psychology for those searching for a therapist. For dental care, you can choose from different types of odontology, including children’s odontology, implants, or orthodontics, among others. For emergencies, you will be asked to specify the emergency, for example, at home emergencies versus emergencies in pediatrics, traumatology, psychiatry, etc.

In order to narrow your search, there is an “Advanced Search” option where you can input your postal code or search for centers by name.

After clicking on the “Search” button, a list of results will appear that match your search criteria, with the information about the doctor’s phone number, address, and specialties. You can contact the center for an appointment by phone or via our mobile app.

A man after knowing how to find a therapist covered by insurance.

What if I want to see a psychologist or therapist that doesn’t accept Caser insurance?

In the event that you want to visit a doctor who cannot be found in our approved medical directory, we’ve got a solution for you. As mentioned above, our Prestigio healthcare plan offers reimbursement up to 90% of your costs and you can choose whatever doctor you wish to see. Or you can continue seeing your current doctor. With Prestigio, we give you the freedom to choose!

Through thick and thin, Caser is there for expats seeking psychological help and resources. With our Medical Directory and wide range of healthcare plans with psychology cover, expats in Spain will feel supported and at-ease, instead of isolated, alone, and anxious. No matter what your mental health issue, we have the professionals to help! If you’re ready to start feeling like a happier, healthier you, discover our guide to Caser health insurance plans below:

If you are searching for health insurance in Spain, Caser Expat Insurance has the right policy for you!

Worth a look: How to choose the best healthcare in Spain for expats

Frequently Asked Questions

To find a therapist covered by insurance in Spain, start by reviewing your health insurance policy to understand the extent of mental health coverage provided. Many private insurance companies offer policies that reimburse psychotherapy sessions, typically covering between 15 to 20 sessions annually. Some policies may allow for additional sessions upon request, especially if prescribed by a psychiatrist. It's important to note that the Spanish National Health System generally does not cover psychotherapy services, so private insurance is often necessary for such treatments. Once you've confirmed your coverage, consult your insurance provider's directory of approved therapists or contact them directly for a list of in-network professionals. Ensure that the therapist you choose is recognized by your insurer to guarantee reimbursement for the sessions.

Yes, private health insurance in Spain often includes coverage for mental health treatments, such as psychotherapy and psychiatric consultations. However, coverage specifics can vary between insurance providers and policies. Typically, policies may cover a set number of therapy sessions per year, with the possibility of extending coverage if additional sessions are deemed necessary and are prescribed by a medical professional.

The cost of therapy in Spain varies based on factors such as the therapist's qualifications, location, and the type of therapy provided. On average, private therapy sessions range from €50 to €100 per hour. With private health insurance, a significant portion of these costs can be reimbursed, typically covering between 80% to 100% of the session fee, depending on the policy. Many insurance plans cover a limited number of sessions per year, usually between 15 and 20. It's advisable to consult your specific insurance provider to understand the exact coverage details, including any co-payments or session limits.

For those without insurance, some therapists may offer sliding scale fees based on individual financial circumstances, making therapy more accessible. It's recommended to discuss payment options directly with potential therapists to find a suitable arrangement.

Please note that public health services in Spain generally do not cover psychotherapy, so private insurance or out-of-pocket payment is often necessary for accessing these services.