Barkibu Standard
Barkibu Standard offers up to €3,000 in annual veterinary cover with 80% reimbursement, making it a structured reimbursement-based option for pets living in Spain. It combines core accident and illness treatment protection with extra value in areas such as preventive care, complementary treatment and behavioural support, which helps it stand out from more basic plans. The product is designed primarily for Spain-based owners, with temporary travel abroad rather than long-term relocation. Waiting periods apply, and there are important exclusions for pre-existing conditions and certain longer-list conditions that only become covered after extended periods. Overall, Barkibu Standard may suit owners who want a straightforward digital-first policy with useful supporting benefits, while still accepting that the annual limit and dental cover are more restricted than some broader premium products.
Key facts
- Annual limit: €3,000
- Reimbursement: 80%
- Excess: percentage
- Dental: Accident trauma only
- Travel: EU cover (180 days)
- Cover duration: Annual reimbursement limit
Highlights
- 80% reimbursement with €3,000 annual limit.
- Includes prevention plan and complementary treatment.
Waiting periods
- Accident: 5 days
- Illness: 28 days
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.
Travel & residency
- Travel cover: 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.
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.
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Key exclusions:
- Pre-existing conditions and symptoms before inception or during waiting periods.
What stands out
- 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.
Included features
Before you buy
Product details are based on policy information reviewed so far and may change over time. Always check the provider’s latest policy wording and official documents before purchasing.