Compare Pet Insurance in Spain

Quick summary

• Dental: Accident trauma only
• Travel: EU cover (180 days)
• Excess: percentage
• Reimbursement: 80%
• Cover duration: Annual reimbursement limit

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Waiting periods

• Accident: 5 days
• Illness: 28 days

Travel & residency

• Travel: EU cover (180 days)
• Residency: Spain-based cover; travel abroad is temporary only.
• Moving abroad: Cover ceases on permanent move abroad or if abroad for more than 3 consecutive months.

Highlights

• 80% reimbursement with €3,000 annual limit.
• Includes prevention plan and complementary treatment.

Watch out for

• Dental is limited to accidental trauma.
• Permanent move abroad or more than 3 consecutive months abroad ends cover.

Best for

• Spain-based owners who travel temporarily rather than relocate.
• Owners who value prevention and behavioural/rehab benefits.

Not ideal for

• Owners wanting broad illness-related dental cover.

Key exclusions

• Pre-existing conditions and symptoms before inception or during waiting periods.

Treatment details

• Preventive care: Separate prevention plan reimbursing vaccines and one annual preventive checkup in Spain at 100%.
• Complementary treatment: Includes complementary treatment such as physiotherapy and acupuncture up to 8 sessions per year.
• Behavioural treatment: Included when linked to a covered condition.

Conditions & exclusions

• Pre-existing: Pre-existing conditions and symptoms before inception or during waiting periods excluded.
• Hereditary / congenital: Some congenital cardiac/vascular malformations excluded; related-condition logic applies in wording.
• Special waits / notes: 6 months for cruciate ligament, patellar luxation, hip/elbow dysplasia, atopic dermatitis, epilepsy, behavioural problems, leishmania, cataracts and hernias in pets aged 6 months+ at inception.

Quick summary

• Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
• Travel: No travel cover
• Excess: €0,050 (per claim)
• Reimbursement: —
• Cover duration: 12 months per accident or illness, or end of policy period if earlier

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Waiting periods

• Accident: —
• Illness: 14 days

Travel & residency

• Travel: No travel cover
• Residency: Covered in Spain; no overseas travel benefit on Bronze.
• Moving abroad: —

Highlights

• Simple entry-level plan with €2,000 vet fee cover.

Watch out for

• No overseas travel benefit.
• 12-month treatment limit per accident or illness.

Best for

• Owners wanting a lower-tier Spain-based option.

Not ideal for

• Owners who need travel cover.

Key exclusions

• Pre-existing conditions, hereditary/congenital traits, leishmaniosis and FIV.

Treatment details

• Preventive care: Routine/preventive treatment excluded.
• Complementary treatment: Included only when carried out under vet direction.
• Behavioural treatment: Excluded unless directly resulting from a valid claim.

Conditions & exclusions

• Pre-existing: Pre-existing conditions, symptoms or events excluded.
• Hereditary / congenital: Hereditary and congenital traits excluded.
• Special waits / notes: Claims for illness or injury first occurring or showing clinical signs within 14 days of start are excluded.

Quick summary

• Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
• Travel: Time limited (90 days)
• Excess: €0,050 (per claim)
• Reimbursement: —
• Cover duration: 12 months per accident or illness, or end of policy period if earlier

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Waiting periods

• Accident: —
• Illness: 14 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based product with travel benefit if pet complies with PETS scheme.
• Moving abroad: —

Highlights

• Top Ibex vet fee limit at €8,000.
• 90 days travel cover plus passport/certificate benefit.

Watch out for

• 12-month treatment limit per accident or illness.

Best for

• Owners wanting stronger annual cover and longer travel duration.

Not ideal for

No specific drawbacks flagged.

Key exclusions

• Pre-existing conditions, hereditary/congenital traits, leishmaniosis and FIV.

Treatment details

• Preventive care: Routine/preventive treatment excluded.
• Complementary treatment: Included only when carried out under vet direction.
• Behavioural treatment: Excluded unless directly resulting from a valid claim.

Conditions & exclusions

• Pre-existing: Pre-existing conditions, symptoms or events excluded.
• Hereditary / congenital: Hereditary and congenital traits excluded.
• Special waits / notes: Claims for illness or injury first occurring or showing clinical signs within 14 days of start are excluded.

Quick summary

• Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
• Travel: Time limited (30 days)
• Excess: €0,050 (per claim)
• Reimbursement: —
• Cover duration: 12 months per accident or illness, or end of policy period if earlier

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Waiting periods

• Accident: —
• Illness: 14 days

Travel & residency

• Travel: Time limited (30 days)
• Residency: Spain-based product with travel benefit if pet complies with PETS scheme.
• Moving abroad: —

Highlights

• €4,000 vet fee limit with 30 days travel cover.

Watch out for

• 12-month treatment limit per accident or illness.

Best for

• Owners who take shorter trips abroad.

Not ideal for

No specific drawbacks flagged.

Key exclusions

• Pre-existing conditions, hereditary/congenital traits, leishmaniosis and FIV.

Treatment details

• Preventive care: Routine/preventive treatment excluded.
• Complementary treatment: Included only when carried out under vet direction.
• Behavioural treatment: Excluded unless directly resulting from a valid claim.

Conditions & exclusions

• Pre-existing: Pre-existing conditions, symptoms or events excluded.
• Hereditary / congenital: Hereditary and congenital traits excluded.
• Special waits / notes: Claims for illness or injury first occurring or showing clinical signs within 14 days of start are excluded.

Quick summary

• Dental: No specific dental benefit is highlighted; the product instead separates accident reimbursement from veterinary assistance for accident and illness.
• Travel: Time limited (90 days)
• Excess: —
• Reimbursement: —
• Cover duration: Per covered event and policy year depending on section

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Waiting periods

• Accident: 15 days
• Illness: —

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based cover for pets with a registered microchip and up-to-date official vaccinations.
• Moving abroad: The product is based in Spain. Outside Spain there are territorial limits: legal defence does not apply, and liability only extends to occasional private trips abroad of up to 3 consecutive months.

Highlights

• Broad bundle of accessory benefits alongside accident-only veterinary reimbursement.
• Includes legal defence up to €3,000 and kennel boarding up to €350 per policy year.

Watch out for

• The main veterinary protection here is for accidents rather than illness.
• There is a general 15-day waiting period, and euthanasia due to age or illness requires 1 year.

Best for

• Owners who mainly want accident-focused veterinary cover plus theft, straying, liability and legal support.

Not ideal for

• Owners looking for broader illness-led veterinary protection with a stronger annual treatment limit.

Key exclusions

• Pre-existing conditions and abnormalities existing before the policy started, including congenital ones.
• Poisoning, intoxication and bites or stings from insects, mites, rodents and other mammals within the accident section.

Treatment details

• Preventive care: This is not positioned as a preventive-care product; no wellness bonus is shown in the reviewed documents.
• Complementary treatment: No specific complementary-treatment benefit is highlighted in the reviewed material.
• Behavioural treatment: Euthanasia due to behavioural or aggression-related issues is excluded.

Conditions & exclusions

• Pre-existing: Pre-existing injuries, illnesses and abnormalities are excluded.
• Hereditary / congenital: Injuries, illnesses or abnormalities existing before inception are excluded, even if congenital; the general wording also excludes congenital malformations and hidden defects.
• Special waits / notes: General waiting period of 15 days. Euthanasia due to age or illness requires 1 year. Liability has no waiting period. Most sections are not available if the pet is under 3 months old or aged 9 or over at inception; liability and legal defence can be bought separately.

Quick summary

• Dental: No specific dental benefit is highlighted.
• Travel: Time limited (90 days)
• Excess: —
• Reimbursement: —
• Cover duration: Per policy year

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Waiting periods

• Accident: 15 days
• Illness: 15 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based cover requiring a microchip and up-to-date official vaccinations.
• Moving abroad: Spain-based cover; legal defence is excluded outside Spain and liability abroad only applies to occasional private trips of up to 3 consecutive months.

Highlights

• Veterinary assistance for accident or illness up to €1,000 per year.
• Combines the product’s shared bundle of covers with a mid-tier veterinary annual limit.

Watch out for

• The reviewed documents do not highlight specific dental or complementary-treatment benefits.
• There is a general 15-day waiting period.

Best for

• Owners who want broader illness cover than the €500 option without needing the highest annual limit.

Not ideal for

• Owners comparing against more comprehensive health-first pet plans.

Key exclusions

• Pre-existing and congenital conditions.

Treatment details

• Preventive care: No wellness or preventive-care allowance is shown in the reviewed documents.
• Complementary treatment: No specific complementary-treatment benefit is highlighted in the reviewed material.
• Behavioural treatment: Euthanasia due to behavioural or aggression-related issues is excluded.

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded.
• Hereditary / congenital: Pre-existing injuries, illnesses and abnormalities are excluded, including congenital issues existing before inception.
• Special waits / notes: General waiting period of 15 days for most sections. Euthanasia due to age or illness requires 1 year. Liability has no waiting period.

Quick summary

• Dental: No specific dental benefit is highlighted.
• Travel: Time limited (90 days)
• Excess: —
• Reimbursement: —
• Cover duration: Per policy year

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Waiting periods

• Accident: 15 days
• Illness: 15 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based cover requiring a microchip and up-to-date official vaccinations.
• Moving abroad: Spain-based cover; legal defence is excluded outside Spain and liability abroad only applies to occasional private trips of up to 3 consecutive months.

Highlights

• This is the highest veterinary annual limit shown in the reviewed MAPFRE documentation.
• Also includes theft, straying, euthanasia and disposal, kennel boarding, veterinary support, liability and legal defence.

Watch out for

• It is still subject to the general 15-day waiting period and the product’s broad general exclusions.
• Overseas territorial wording is still limited, especially around liability and legal defence.

Best for

• Owners who want the strongest annual veterinary assistance option within the reviewed MAPFRE structure.

Not ideal for

• Owners looking for clearly differentiated dental, wellness or complementary-treatment benefits.

Key exclusions

• Pre-existing and congenital conditions.
• Certain transmissible diseases except where explicitly handled under liability wording.

Treatment details

• Preventive care: No wellness or preventive-care allowance is shown in the reviewed documents.
• Complementary treatment: No specific complementary-treatment benefit is highlighted in the reviewed material.
• Behavioural treatment: Euthanasia due to behavioural or aggression-related issues is excluded.

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded.
• Hereditary / congenital: Pre-existing injuries, illnesses and abnormalities are excluded, including congenital issues existing before inception.
• Special waits / notes: General waiting period of 15 days for most sections. Euthanasia due to age or illness requires 1 year. Liability has no waiting period.

Quick summary

• Dental: No specific dental benefit is highlighted.
• Travel: Time limited (90 days)
• Excess: —
• Reimbursement: —
• Cover duration: Per policy year

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Waiting periods

• Accident: 15 days
• Illness: 15 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based cover requiring a microchip and up-to-date official vaccinations.
• Moving abroad: Spain-based cover; legal defence is excluded outside Spain and liability abroad only applies to occasional private trips of up to 3 consecutive months.

Highlights

• Veterinary assistance for accident or illness up to €500 per policy year.
• Keeps shared sections such as theft, straying, legal defence, liability and veterinary support services.

Watch out for

• A €500 annual veterinary limit may be too low for more complex or recurring treatment.
• Most sections are subject to a 15-day waiting period.

Best for

• Owners who want illness cover included but at a lower annual protection level.

Not ideal for

• Owners comparing against plans with higher annual limits for illness treatment.

Key exclusions

• Pre-existing and congenital conditions.
• Events linked to hunting, mistreatment, lack of care, war, and certain natural events.

Treatment details

• Preventive care: No wellness or preventive-care allowance is shown in the reviewed documents.
• Complementary treatment: No specific complementary-treatment benefit is highlighted in the reviewed material.
• Behavioural treatment: Euthanasia due to behavioural or aggression-related issues is excluded.

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded.
• Hereditary / congenital: Pre-existing injuries, illnesses and abnormalities are excluded, including congenital issues existing before inception.
• Special waits / notes: General waiting period of 15 days for most sections. Euthanasia due to age or illness requires 1 year. Liability has no waiting period.

Quick summary

• Dental: No strong positive dental benefit shown in uploaded IPID.
• Travel: Time limited (90 days)
• Excess: €0,045 (per new illness or accident)
• Reimbursement: —
• Cover duration: 12 months per illness or accident, subject to annual max

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Waiting periods

• Accident: 15 days
• Illness: 30 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Spain-based cover; overseas extension applies to vet assistance only.
• Moving abroad: —

Highlights

• Behavioural treatment and physiotherapy included.
• 90-day overseas vet assistance extension.

Watch out for

• €3,100 annual max is lower than some rivals.
• Waiting periods apply in the first policy year.

Best for

• Owners wanting a straightforward Spain-based plan with behavioural cover.

Not ideal for

• Owners seeking richer annual limits or liability cover.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Routine preventive care not highlighted in uploaded IPID.
• Complementary treatment: Physiotherapy included; broader complementary therapies like acupuncture/chiropractic/homeopathy are excluded.
• Behavioural treatment: Behavioural treatment included.

Conditions & exclusions

• Pre-existing: Pre-existing conditions excluded.
• Hereditary / congenital: —
• Special waits / notes: Waiting periods apply in the first policy year only.

Quick summary

• Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
• Travel: Time limited (90 days)
• Excess: €0,050 (annual deductible)
• Reimbursement: —
• Cover duration: Annual reimbursement limit

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Waiting periods

• Accident: 7 days
• Illness: 45 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Policyholder must be resident in Spain.
• Moving abroad: Travel abroad only for trips under 3 months.

Highlights

• Indoor-cat specific option with prevention bonus.

Watch out for

• Additional Cat Indoor exclusions for accidents outside the home and some viral diseases.

Best for

• Indoor cats with limited exposure outside the home.

Not ideal for

• Cats that regularly spend time outdoors.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Prevention bonus included: annual allowance €70.
• Complementary treatment: Broad diagnostics and treatment included.
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: —
• Hereditary / congenital: Hereditary/congenital conditions excluded.
• Special waits / notes: 6 months for surgery after illness; 6 months for cruciate ligament claims regardless of cause.

Quick summary

• Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
• Travel: Time limited (90 days)
• Excess: €0,050 (annual deductible)
• Reimbursement: —
• Cover duration: Annual reimbursement limit

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Waiting periods

• Accident: 7 days
• Illness: 45 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Policyholder must be resident in Spain.
• Moving abroad: Travel abroad only for trips under 3 months.

Highlights

• Mid-tier annual limit with prevention bonus.

Watch out for

• Travel is limited to trips abroad under 3 months.

Best for

• Spain residents taking shorter trips abroad.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Prevention bonus included: annual allowance €70.
• Complementary treatment: Broad diagnostics and treatment included.
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: —
• Hereditary / congenital: Hereditary/congenital conditions excluded.
• Special waits / notes: 6 months for surgery after illness; 6 months for cruciate ligament claims regardless of cause.

Quick summary

• Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
• Travel: Time limited (90 days)
• Excess: €0,020 (annual deductible)
• Reimbursement: —
• Cover duration: Annual reimbursement limit

View full plan

Waiting periods

• Accident: 7 days
• Illness: 45 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Policyholder must be resident in Spain.
• Moving abroad: Travel abroad only for trips under 3 months.

Highlights

• Includes prevention bonus and therapeutic dental cleaning after 2 years.

Watch out for

• 45-day illness wait and 6-month waits for some claims.

Best for

• Owners wanting a lower-cost Santévet entry point with prevention allowance.

Not ideal for

No specific drawbacks flagged.

Key exclusions

• Hereditary/congenital conditions excluded.

Treatment details

• Preventive care: Prevention bonus included: annual allowance €50.
• Complementary treatment: Broad diagnostics and treatment included.
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: —
• Hereditary / congenital: Hereditary/congenital conditions excluded.
• Special waits / notes: 6 months for surgery after illness; 6 months for cruciate ligament claims regardless of cause.

Quick summary

• Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
• Travel: Time limited (90 days)
• Excess: €0,070 (annual deductible)
• Reimbursement: —
• Cover duration: Annual reimbursement limit

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Waiting periods

• Accident: 7 days
• Illness: 45 days

Travel & residency

• Travel: Time limited (90 days)
• Residency: Policyholder must be resident in Spain.
• Moving abroad: Travel abroad only for trips under 3 months.

Highlights

• Highest Santévet annual limit at €5,000.
• Largest prevention bonus at €90/year.

Watch out for

• 45-day illness wait and 6-month waits for some claims.

Best for

• Owners wanting stronger annual limits plus prevention allowance.

Not ideal for

• Owners needing long overseas travel periods.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Prevention bonus included: annual allowance €90.
• Complementary treatment: Broad diagnostics and treatment included.
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: —
• Hereditary / congenital: Hereditary/congenital conditions excluded.
• Special waits / notes: 6 months for surgery after illness; 6 months for cruciate ligament claims regardless of cause.