September 8, 2025
I got my Non-Lucrative Visa (NLV)
After waiting nearly three months since I submitted my application, my Spanish non-lucrative visa (NLV) was finally approved. It is unclear whether this duration is typical, as my application coincided with the start of summer—a time when European governmental operations often slow down. I intend to provide a more comprehensive overview of the application process in future blog entries, but would like to share several general observations at this time.
Although the fundamental requirements for a Spanish NLV are established by Spanish law, the application procedure for an American residing in Europe proved somewhat more straightforward for me than it appears to be for individuals applying from the United States, according to information available online. However, as is often the case when living abroad, there were unique challenges not encountered by those applying domestically. Overall, the process was direct and manageable, provided one plans carefully, allows ample time to gather the necessary documents and any required translations.
For most Americans seeking a Spanish NLV, presenting financial documentation in a manner easily understood by Spanish officials can be particularly challenging, given their limited familiarity with U.S. financial records. In my case, I supplemented my application with a detailed financial letter in Spanish, explaining my situation and converting all amounts to euros. While I cannot definitively say whether this letter was pivotal, it may have help avoid requests for additional information that could have delayed processing.
Health insurance represents another hurdle for many Americans. Whereas most Europeans possess insurance that satisfies Spanish criteria, U.S.-based policies generally do not. Applicants must obtain coverage without deductibles or copays, including repatriation of remains and offering full benefits for the entire duration of stay which for an NLV is 12 months.
Fortunately, several Spanish health insurers accommodate Americans, with some providing English-language support and streamlined online applications. The cost of these policies is notably lower than typical U.S. health coverage; my own plan, which met all NLV requirements, was less than $100 per month. It is important to note, however, that this insurance generally applies solely within Spain (or occasionally within the EU), and will not provide coverage during visits to the United States.
Finca Landis 