Hi Otter, I one of those in Spain, Costa Blanca. Can't help with the insurance as we're workers & on the 'nhs'
Yes you can get most hrt otc, bring one with you & the chemist will look it up for you, names differ. Also not all chemists are equal, don't ask me why but don't get put off if the first one doesn't have it, you might need to shop around.
And it's not always sunny 😊 5'C blowing a hoolie & raining right now. 😂. But least it doesn't last for long.