Barkibu Unlimited
Barkibu Unlimited is the broader Barkibu option for owners who want the same digital-first structure and supporting benefits as the standard plan, but without the usual fixed annual cap shown on lower tiers. It still uses an 80% reimbursement model and remains based around pets resident in Spain, with temporary travel rather than long-term stays abroad. Like the standard version, the policy includes preventive and complementary treatment benefits that make it more rounded than simpler accident-only or emergency-led products. However, waiting periods and exclusions still play a significant role, particularly for pre-existing conditions and certain listed illnesses or orthopaedic conditions. Overall, Barkibu Unlimited may suit owners who want more breathing room on annual claims while keeping the same general Barkibu approach to reimbursement and digital policy handling.
Key facts
- Annual limit: —
- Reimbursement: 80%
- Excess: percentage
- Dental: Accident trauma only
- Travel: EU cover (180 days)
- Cover duration: Unlimited annual reimbursement (subject to wording and reimbursement percentage)
Highlights
- 80% reimbursement with no annual cap stated in the selected unlimited product.
- 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.
- Key exclusions: —
What stands out
- Dental is limited to accidental trauma.
- Permanent move abroad or more than 3 consecutive months abroad ends cover.
Best for
- Owners wanting broad reimbursement without an annual euro cap.
Not ideal for
- Owners planning to relocate outside Spain full-time.
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.