Ibex Insurance Gold

Key facts

• Annual limit: €8,000
• Reimbursement: —
• Excess: €0,050 (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.
• 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.