Ibex Insurance Gold
Ibex Gold is the strongest of the standard Ibex tiers, offering up to €8,000 in annual veterinary cover together with 90 days of travel cover. It is aimed at owners who want a higher annual limit and more generous overseas flexibility, while still staying within a traditional policy structure. Compared with Bronze and Silver, Gold provides more headroom for larger veterinary bills and better travel support, although it still remains governed by clear exclusions and treatment duration limits. It is therefore stronger financially, but not necessarily more flexible in the way some reimbursement-led digital insurers can be. Overall, Ibex Gold may suit owners who want the most protective annual limit in the Ibex range and who value extended travel cover, but it is still important to read the wording closely for exclusions and how long claims can continue for each condition.
Key facts
- Annual limit: €8,000
- Reimbursement: —
- Excess: €50 (per claim)
- Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
- Travel: Time limited (90 days)
- Cover duration: 12 months per accident or illness, or end of policy period if earlier
Highlights
- Top Ibex vet fee limit at €8,000.
- 90 days travel cover plus passport/certificate benefit.
Waiting periods
- Accident: —
- Illness: 14 days
Special waits / notes
Claims for illness or injury first occurring or showing clinical signs within 14 days of start are excluded.
Travel & residency
- Travel cover: Time limited (90 days)
- Residency: Spain-based product with travel benefit if pet complies with PETS scheme.
- Moving abroad: —
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.
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Key exclusions:
- Pre-existing conditions, hereditary/congenital traits, leishmaniosis and FIV.
What stands out
- 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.
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.