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

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.

Quick summary

• Dental: —
• Travel: No standard travel cover
• Excess: Varies by veterinary service
• Reimbursement: —
• Cover duration: Annual

View full plan

Waiting periods

• Accident: 0 days
• Illness: 0 days

Travel & residency

• Travel: No standard travel cover
• Residency: Cover is delivered at Caser's partner and Caservet clinics in Spain; there is no reimbursement for external vets.
• Moving abroad: —

Highlights

• Unlimited free consultations, reviews and emergencies at Caser's veterinary network.
• No age limit, no breed exclusion, no health questionnaire and EUR 350,000 liability.

Watch out for

• Network-based only: no cash reimbursement if you use a vet outside the Caser/Caservet network.
• General reimbursement percentage and annual limits are not published; franquicia varies by service.

Best for

• Owners happy to use Caser's network clinics who want predictable, no-questionnaire cover.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Mandatory vaccinations included at network clinics.
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: No health questionnaire and no exclusion for pre-existing conditions.
• Hereditary / congenital: —
• Special waits / notes: No waiting period for main health cover; the optional cremation add-on has a 3-month waiting period.

Quick summary

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

View full plan

Waiting periods

• Accident: 0 days
• Illness: 0 days

Travel & residency

• Travel: No standard travel cover
• Residency: Cover uses Caser's veterinary network in Spain; this tier is liability-only.
• Moving abroad: —

Highlights

• Meets the legal liability requirement with up to EUR 350,000 cover from about EUR 3.90/month.
• No age limit, no breed exclusion and no health questionnaire.

Watch out for

• No veterinary treatment cover on this tier - liability, legal defence and phone advice only.

Best for

• Owners who only need the legally required liability cover at low cost.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: —
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: No health questionnaire and no exclusion for pre-existing conditions.
• Hereditary / congenital: —
• Special waits / notes: No waiting period for liability cover; the optional cremation add-on has a 3-month waiting period.

Quick summary

• Dental: —
• Travel: No standard travel cover
• Excess: Varies by veterinary service
• Reimbursement: —
• Cover duration: Annual

View full plan

Waiting periods

• Accident: 0 days
• Illness: 0 days

Travel & residency

• Travel: No standard travel cover
• Residency: Cover is delivered at Caservet clinics in Spain; there is no reimbursement for external vets.
• Moving abroad: —

Highlights

• Free annual health checks including blood work, urinalysis and abdominal ultrasound.
• All vaccinations and internal parasite prevention included, plus EUR 350,000 liability.

Watch out for

• Caservet network only: no cash reimbursement for external vets.

Best for

• Owners who want strong preventive care and are happy to use Caservet clinics.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: All vaccinations, internal parasite prevention and free annual health checks (including blood work, urinalysis and abdominal ultrasound).
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: No health questionnaire and no exclusion for pre-existing conditions.
• Hereditary / congenital: —
• Special waits / notes: No waiting period for main health cover; the optional cremation add-on has a 3-month waiting period.

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.

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.

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.

Quick summary

• Dental: Dental only if accident-related; preventive dental excluded.
• Travel: EU cover
• Excess: —
• Reimbursement: 100%
• Cover duration: Annual

View full plan

Waiting periods

• Accident: 15 days
• Illness: 30 days

Travel & residency

• Travel: EU cover
• Residency: Designed for pets resident in Spain, with EEA travel cover during the policy period.
• Moving abroad: —

Highlights

• Full 100% reimbursement of accident vet costs when using network clinics.
• Modular: choose the liability limit and add an illness module if wanted; priced by pet size.

Watch out for

• Now rebranded under GeneraliON (Generali acquired Liberty in 2023); confirm current expat/English-language service.
• Claims-handling reviews are poor (Trustpilot around 1.1/5), with slow reimbursements frequently reported.
• The policy currently cannot be purchased online and there is no online price calculator.
• Accident vet cover is capped at EUR 1,000/year; illness cover is an extra-cost module.

Best for

• Owners who want a flexible, size-priced accident policy and historically valued Liberty's expat service.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Preventive care such as vaccinations and deworming is explicitly excluded.
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded (as across the whole sector).
• Hereditary / congenital: —
• Special waits / notes: Illness cover is an optional module and can only be added for pets aged 3 months to 7 years. Reimbursement is 100% at network clinics and about 80% at non-network clinics.

Quick summary

• Dental: No dedicated dental benefit identified.
• Travel: No standard travel cover
• Excess: —
• Reimbursement: —
• Cover duration: Annual

View full plan

Waiting periods

• Accident: —
• Illness: —

Travel & residency

• Travel: No standard travel cover
• Residency: Cover applies within Spanish national territory; no travel cover abroad.
• Moving abroad: —

Highlights

• Adds accident vet expenses (up to EUR 1,000) and a broad set of assistance benefits for about EUR 59.90/year.
• EUR 300,000 liability with no excess, plus unlimited video vet and 24/7 emergency line.

Watch out for

• Veterinary cover is accident-only (up to EUR 1,000); there is no illness veterinary reimbursement.
• National territory only - no cover for trips abroad.

Best for

• Owners wanting affordable liability plus accident cover and strong digital vet support.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Preventive care is not the focus of this product; it centres on liability, accident and assistance benefits.
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded.
• Hereditary / congenital: —
• Special waits / notes: —

Quick summary

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

View full plan

Waiting periods

• Accident: —
• Illness: —

Travel & residency

• Travel: No standard travel cover
• Residency: Cover applies within Spanish national territory; no travel cover abroad.
• Moving abroad: —

Highlights

• Very low cost (from about EUR 39.90/year) with EUR 300,000 liability and no excess.
• Unlimited video vet consultations and 24/7 emergency vet line included.

Watch out for

• Veterinary expense and assistance benefits sit on the Completo tier; confirm the exact Esencial inclusions on the policy.

Best for

• Owners who mainly want cheap legal liability cover plus round-the-clock video vet access.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: —
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded.
• Hereditary / congenital: —
• Special waits / notes: —

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: 80%
• 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.

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.

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.

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.

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: 100%
• 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.

Quick summary

• Dental: —
• Travel: Optional European travel
• Excess: —
• Reimbursement: 100%
• Cover duration: Annual

View full plan

Waiting periods

• Accident: 0 days
• Illness: 21 days

Travel & residency

• Travel: Optional European travel
• Residency: Public materials indicate cover is designed for pets resident in the country of cover (Spain, with Portugal, Greece and Cyprus also mentioned).
• Moving abroad: —

Highlights

• Highest annual cover on the site - up to EUR 12,500 a year, marketed as around four times typical competitor limits.
• Fixed premiums for life that do not increase with age or after claims.
• Lost or stolen pet passport / health certificate cover up to EUR 750.

Watch out for

• The excess/deductible and any per-condition limit are not published online and should be confirmed on a quote.

Best for

• Owners who want the highest available annual limit and stable premiums for older or higher-risk pets.

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: —
• Special waits / notes: —

Quick summary

• Dental: —
• Travel: No standard travel cover
• Excess: —
• Reimbursement: 100%
• 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.

Quick summary

• Dental: Accident-related dental treatment only.
• Travel: No standard travel cover
• Excess: —
• Reimbursement: 80%
• Cover duration: Annual

View full plan

Waiting periods

• Accident: —
• Illness: 30 days

Travel & residency

• Travel: No standard travel cover
• Residency: Designed for pets resident in Spain.
• Moving abroad: —

Highlights

• English-speaking support from a major Bupa-owned insurer, popular with expats.
• Unlimited 24/7 video vet consultations and 24/7 telephone vet guidance.
• EUR 150,000 civil liability included, meeting the Spanish legal requirement.

Watch out for

• Inner sub-limits apply: diagnostics EUR 1,000/yr, chronic disease EUR 1,000/yr, prosthetics/implants EUR 200/yr, allergy treatment EUR 100/yr.
• Dental is limited to accident-related treatment only.

Best for

• Expats who want reimbursement-style vet cover with English service and legally required liability in one policy.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: Annual preventive consultation covered up to EUR 50, plus annual vaccination.
• Complementary treatment: Physiotherapy / rehabilitation up to 5 sessions per year.
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded (as across the whole sector).
• Hereditary / congenital: —
• Special waits / notes: Euthanasia and castration have a 12-month waiting period. General veterinary assistance has a 30-day waiting period.

Quick summary

• Dental: —
• Travel: EU cover
• Excess: —
• Reimbursement: —
• Cover duration: Annual

View full plan

Waiting periods

• Accident: 15 days
• Illness: 30 days

Travel & residency

• Travel: EU cover
• Residency: Designed for pets resident in Spain, with optional EU travel assistance.
• Moving abroad: —

Highlights

• Low-cost entry point: civil liability from about EUR 5/month, selectable up to EUR 300,000.
• Modular design lets you add only the covers you want, including optional EU travel assistance.

Watch out for

• Veterinary benefits are modest and capped (illness expenses only up to about EUR 360) - this is not comprehensive vet reimbursement.
• Most veterinary, theft and death covers are optional add-ons, not included in the base price.

Best for

• Owners who mainly want legally required liability cover with a few optional extras at low cost.

Not ideal for

No specific drawbacks flagged.

Key exclusions

No specific exclusions listed.

Treatment details

• Preventive care: —
• Complementary treatment: —
• Behavioural treatment: —

Conditions & exclusions

• Pre-existing: Pre-existing conditions are excluded (as across the whole sector).
• Hereditary / congenital: —
• Special waits / notes: —

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: 70%
• 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.

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: 70%
• 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.

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: 50%
• 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: €70 (annual deductible)
• Reimbursement: 90%
• 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.