Ibex Insurance Silver
Ibex Silver sits in the middle of the Ibex range, increasing annual veterinary protection to €4,000 and adding 30 days of travel cover. It keeps the same traditional insurance structure as Bronze, but offers a more balanced level of protection for owners who want more flexibility without moving to the highest tier. The policy still applies clear exclusions and treatment duration limits, so it remains a conventional fixed-structure product rather than a highly flexible health plan. That said, the addition of travel cover makes it more appealing for owners who take shorter trips abroad with their pets. Overall, Ibex Silver may suit owners looking for a middle-ground option with more meaningful annual cover and some overseas flexibility, while still staying within a traditional and relatively easy-to-understand plan structure.
Key facts
- Annual limit: €4,000
- Reimbursement: —
- Excess: €50 (per claim)
- Dental: Dental treatment to alleviate immediate pain resulting from injury or illness.
- Travel: Time limited (30 days)
- Cover duration: 12 months per accident or illness, or end of policy period if earlier
Highlights
- €4,000 vet fee limit with 30 days travel cover.
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 (30 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 who take shorter trips abroad.
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.