Compare Pet Insurance in Spain

Compare pet insurance options in Spain for expats and local pet owners. Whether you mainly want legal liability cover for a dog, help with vet bills, or broader protection for illness and accidents, this page is designed to help you understand the main differences quickly.

Quick starting point: if you own a dog and mainly want to stay legally protected, start by understanding whether dog insurance is mandatory in Spain and how civil liability cover works. If you also want help with treatment costs, compare basic and more comprehensive plans below.

Need the cheapest option?

Start with liability-focused cover if your main priority is legal compliance and lower cost.

Learn about liability cover

Need balanced protection?

Look at plans that combine practical value with some treatment cover and useful everyday protection.

See the best options

Need maximum peace of mind?

Compare broader policies that provide stronger cover for illness, accidents, surgery, and higher vet bills.

Read the full guide

If you are new to the topic, start with our main guide to pet insurance in Spain.

If cost is one of your biggest concerns, see our guide to how much pet insurance costs in Spain and our page on cheap pet insurance in Spain.

Dog owners may also want to read our guide to pet insurance for dogs in Spain and our breakdown of the best dog insurance in Spain.

Cat owners can also explore our guide to pet insurance for cats in Spain.

Some links on this page may be affiliate links. This means we may earn a commission if you choose a provider, at no extra cost to you. Our aim is always to recommend options that are useful, relevant, and clearly explained.

How to think about your options

Before comparing individual providers, it helps to decide what type of cover you actually need. Most people choosing pet insurance in Spain fall into one of these groups:

Liability-Only Cover

Best for legal compliance
Typical cost €20–€50/year

Ideal if your main goal is to meet legal requirements and protect yourself against third-party claims.

  • Usually the cheapest option
  • Best suited to dog owners focused on compliance
  • Does not usually include treatment for your own pet
Low-cost Liability included No vet cover
View option Learn more

Basic Cover

Best for value
Typical cost €10–€20/month

A good middle-ground option for pet owners who want more than legal cover without paying for a premium policy.

  • Often includes some treatment or accident cover
  • May include liability depending on provider
  • Good for budget-conscious owners who still want some protection
Good value Some health cover Balanced option
View option Learn more

Comprehensive Cover

Best for peace of mind
Typical cost €20–€40+/month

Best for owners who want stronger cover for illness, accidents, surgery, and more expensive treatment.

  • Broader protection than liability-only or basic plans
  • Higher monthly cost
  • Best suited to owners who want fewer surprises
Broader cover Higher protection Premium option
View option Learn more

Expat-Friendly Option

Best for clarity
Typical cost Varies

Best for expats who want policies that are easier to understand and compare with confidence.

  • Useful if you value clarity as much as price
  • Focus on documentation, support, and ease of use
  • Good starting point if you are unsure what you need
Expat-friendly Clearer support Beginner-friendly
View option Learn more

Compare cover types first

This quick table helps you compare the broad types of cover before you dive into individual providers and policy wording.

Option Best for Includes liability? Includes vet cover? Typical cost
Liability-Only Legal compliance Yes No €20–€50/year
Basic Cover Value and balance Often Some €10–€20/month
Comprehensive Cover Peace of mind May be included Yes €20–€40+/month
Expat-Friendly Option Clarity and ease Varies Varies Varies

Compare providers and plans

Below is a live comparison of the pet insurance products we have reviewed so far. Use it as a quick shortlist, then open the provider and plan pages for more detail on limits, exclusions, waiting periods, and who each option is best suited to.

Provider Plan Annual limit Reimbursement Excess Dental Travel Actions
Barkibu
Standard
Barkibu Plans
 €3,000 80% percentage Accident only EU cover (180 days) View plan

Quick summary

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

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.
Ibex Insurance
Bronze
Ibex Plans
 €2,000 — €50 (per claim) Pain relief only No travel cover View plan

Quick summary

  • Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
  • Travel: No travel cover
  • Excess: €50 (per claim)
  • Reimbursement: —
  • Cover duration: 12 months per accident or illness, or end of policy period if earlier
View full plan

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.
Ibex Insurance
Gold
Ibex Plans
 €8,000 — €50 (per claim) Pain relief only Time limited (90 days) View plan

Quick summary

  • Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
  • Travel: Time limited (90 days)
  • Excess: €50 (per claim)
  • Reimbursement: —
  • Cover duration: 12 months per accident or illness, or end of policy period if earlier
View full plan

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.
Ibex Insurance
Silver
Ibex Plans
 €4,000 — €50 (per claim) Pain relief only Time limited (30 days) View plan

Quick summary

  • Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
  • Travel: Time limited (30 days)
  • Excess: €50 (per claim)
  • Reimbursement: —
  • Cover duration: 12 months per accident or illness, or end of policy period if earlier
View full plan

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.
MAPFRE
Accident Reimbursement
MAPFRE Pet Insurance
 €1,000 — — See details Time limited (90 days) View plan

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
View full plan

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.
MAPFRE
Assistance 1000
MAPFRE Pet Insurance
 €1,000 — — See details Time limited (90 days) View plan

Quick summary

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

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.
MAPFRE
Assistance 2000
MAPFRE Pet Insurance
 €2,000 — — See details Time limited (90 days) View plan

Quick summary

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

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.
MAPFRE
Assistance 500
MAPFRE Pet Insurance
 €500 — — See details Time limited (90 days) View plan

Quick summary

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

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.
Petplan Spain
Standard
Petplan Standard
 €3,100 — €45 (per new illness or accident) See details Time limited (90 days) View plan

Quick summary

  • Dental: No strong positive dental benefit shown in uploaded IPID.
  • Travel: Time limited (90 days)
  • Excess: €45 (per new illness or accident)
  • Reimbursement: —
  • Cover duration: 12 months per illness or accident, subject to annual max
View full plan

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.
Protectapet
Protectapet Basic
Protectapet Pet Healthcare Plan
 €5,000 — — — No standard travel cover View plan

Quick summary

  • Dental: —
  • Travel: No standard travel cover
  • Excess: —
  • Reimbursement: —
  • Cover duration: Annual
View full plan

Waiting periods

  • Accident: 0 days
  • Illness: 21 days

Travel & residency

  • Travel: No standard travel cover
  • Residency: Public materials indicate cover is designed for pets resident in the country of cover.
  • Moving abroad: Permanent relocation outside the permitted territory may affect or end cover. This should be checked against the current plan wording before purchase.

Highlights

No highlights available yet.

Watch out for

No special notes available yet.

Best for

General pet insurance users.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

  • Preventive care: Vaccinations are not covered. The pet must be kept up to date with vaccinations, boosters, and normal preventative care.
  • Complementary treatment: —
  • Behavioural treatment: —

Conditions & exclusions

  • Pre-existing: Pre-existing conditions are not covered. Illnesses or injuries present before the start date, or showing signs during the initial waiting period, are excluded.
  • Hereditary / congenital: Hereditary and congenital conditions are not covered under the basic wording reviewed.
  • Special waits / notes: Accidents are covered immediately. Illness is covered after 21 days. No cover for conditions that existed before the start date or showed clinical signs during the initial waiting period.
Santévet
Cat Indoor
Santévet Plans
 €2,000 — €50 (annual deductible) Cleaning benefit Time limited (90 days) View plan

Quick summary

  • Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
  • Travel: Time limited (90 days)
  • Excess: €50 (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

  • 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.
Santévet
Confort
Santévet Plans
 €3,500 — €50 (annual deductible) Cleaning benefit Time limited (90 days) View plan

Quick summary

  • Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
  • Travel: Time limited (90 days)
  • Excess: €50 (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

  • 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.
Santévet
Light
Santévet Plans
 €2,000 — €20 (annual deductible) Cleaning benefit Time limited (90 days) View plan

Quick summary

  • Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
  • Travel: Time limited (90 days)
  • Excess: €20 (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.
Santévet
Premium
Santévet Plans
 €5,000 — €70 (annual deductible) Cleaning benefit Time limited (90 days) View plan

Quick summary

  • Dental: Therapeutic dental cleaning after 2 years of subscription, up to once per year.
  • Travel: Time limited (90 days)
  • Excess: €70 (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

  • 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.
Product details are based on the policy information reviewed so far and may change over time. Always check the provider’s latest policy wording and official documentation before purchasing. This comparison is for general information only and does not constitute financial or insurance advice.

Popular provider reviews

Santévet

Good for visitors comparing multiple plan levels and stronger veterinary cover.

View provider

MAPFRE

A useful provider page for people comparing well-known Spanish insurers.

View provider

Petplan Spain

Worth reviewing if you want a straightforward veterinary-focused option.

View provider

Ibex Insurance

A strong starting point for users researching lower-cost and entry-level cover.

View provider

Popular policy pages

MAPFRE Assistance 500

A useful policy page for visitors comparing a more basic structured option.

View policy

Ibex Bronze

A strong long-tail page for visitors focused on lower premiums and simpler cover.

View policy

Santévet Light

Useful for comparing a lighter healthcare-style option against fuller plans.

View policy

Not sure which option is right?

Start with the main guide if you're new to the topic, or explore the more detailed pages below to narrow down the right level of cover before choosing a provider or plan.

Read the guide See best options

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