MAPFRE Accident Reimbursement

Key facts

• Annual limit: €1,000
• Reimbursement: —
• Excess: —
• Dental: No specific dental benefit is highlighted; the product instead separates accident reimbursement from veterinary assistance for accident and illness.
• Travel: Time limited (90 days)
• Cover duration: Per covered event and policy year depending on section

Highlights

• Broad bundle of accessory benefits alongside accident-only veterinary reimbursement.
• Includes legal defence up to €3,000 and kennel boarding up to €350 per policy year.

Waiting periods

• Accident: 15 days
• Illness: —

Special waits / notes

General waiting period of 15 days. Euthanasia due to age or illness requires 1 year. Liability has no waiting period. Most sections are not available if the pet is under 3 months old or aged 9 or over at inception; liability and legal defence can be bought separately.

Travel & residency

• Travel cover: Time limited (90 days)
• Residency: Spain-based cover for pets with a registered microchip and up-to-date official vaccinations.
• Moving abroad: The product is based in Spain. Outside Spain there are territorial limits: legal defence does not apply, and liability only extends to occasional private trips abroad of up to 3 consecutive months.

Treatment details

• Preventive care: This is not positioned as a preventive-care product; no wellness bonus is shown in the reviewed documents.
• Complementary treatment: No specific complementary-treatment benefit is highlighted in the reviewed material.
• Behavioural treatment: Euthanasia due to behavioural or aggression-related issues is excluded.

Conditions & exclusions

• Pre-existing: Pre-existing injuries, illnesses and abnormalities are excluded.
• Hereditary / congenital: Injuries, illnesses or abnormalities existing before inception are excluded, even if congenital; the general wording also excludes congenital malformations and hidden defects.
• Key exclusions:
  • Pre-existing conditions and abnormalities existing before the policy started, including congenital ones.
  • Poisoning, intoxication and bites or stings from insects, mites, rodents and other mammals within the accident section.

What stands out

• The main veterinary protection here is for accidents rather than illness.
• There is a general 15-day waiting period, and euthanasia due to age or illness requires 1 year.

Best for

• Owners who mainly want accident-focused veterinary cover plus theft, straying, liability and legal support.

Not ideal for

• Owners looking for broader illness-led veterinary protection with a stronger annual treatment limit.