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Liberty Seguros Mascotas

Mascotas by Liberty Seguros offers up to €1,000 in annual cover with 100% reimbursement. It has a 15-day accident waiting period and 30-day illness waiting period. In practice, dental cover is summarized as dental only if accident-related; preventive dental excluded and cover duration is annual. Travel cover is available for trips within the relevant territories.

Key facts

  • Annual limit: €1,000
  • Reimbursement: 100%
  • Excess: —
  • Dental: Dental only if accident-related; preventive dental excluded.
  • Travel: EU cover
  • Cover duration: Annual

Highlights

  • Full 100% reimbursement of accident vet costs when using network clinics.
  • Modular: choose the liability limit and add an illness module if wanted; priced by pet size.

Waiting periods

  • Accident: 15 days
  • Illness: 30 days

Special waits / notes

Illness cover is an optional module and can only be added for pets aged 3 months to 7 years. Reimbursement is 100% at network clinics and about 80% at non-network clinics.

Travel & residency

  • Travel cover: EU cover
  • Residency: Designed for pets resident in Spain, with EEA travel cover during the policy period.
  • Moving abroad: —

Treatment details

  • Preventive care: Preventive care such as vaccinations and deworming is explicitly excluded.
  • Complementary treatment: —
  • Behavioural treatment: —

Conditions & exclusions

  • Pre-existing: Pre-existing conditions are excluded (as across the whole sector).
  • Hereditary / congenital: —
  • Key exclusions: —

What stands out

  • Now rebranded under GeneraliON (Generali acquired Liberty in 2023); confirm current expat/English-language service.
  • Claims-handling reviews are poor (Trustpilot around 1.1/5), with slow reimbursements frequently reported.
  • The policy currently cannot be purchased online and there is no online price calculator.
  • Accident vet cover is capped at EUR 1,000/year; illness cover is an extra-cost module.

Best for

  • Owners who want a flexible, size-priced accident policy and historically valued Liberty's expat service.

Not ideal for

No specific drawbacks flagged.

Included features

Death Benefit
Additional
Included
Accidental death indemnity up to 100% of the animal's value.
Theft / Loss
Additional
Included
Loss/straying assistance: EUR 150 location costs plus EUR 75 owner lodging.
Accident veterinary reimbursement
Core
Included
€1,000
Accident veterinary cover up to EUR 1,000/year; 100% at network clinics, about 80% out of network.
Diagnostics
Core
Included
Diagnostics: x-ray, CT, ultrasound and lab work.
Hospitalisation
Core
Included
Hospitalisation covered within contracted limits.
Surgery
Core
Included
Surgery and anaesthesia covered within limits.
Veterinary assistance for accident or illness
Core
Included
Optional illness veterinary module (pets aged 3 months to 7 years only).
Dental
Extended
Included
Dental only if accident-related.
Euthanasia and disposal
Extras
Included
€150
Euthanasia and disposal of remains up to EUR 150.
Liability
Legal
Included
€300,000
Optional civil liability module, EUR 200,000 or EUR 300,000.
Travel Cover
Travel
Included
EEA travel cover during the policy period.
Preventative Care
Wellness
See details
Preventive care (vaccinations, deworming) is explicitly excluded.

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.