MAPFRE Assistance 500

Key facts

• Annual limit: €0,500
• Reimbursement: —
• Excess: —
• Dental: No specific dental benefit is highlighted.
• Travel: Time limited (90 days)
• Cover duration: Per policy year

Highlights

• Veterinary assistance for accident or illness up to €500 per policy year.
• Keeps shared sections such as theft, straying, legal defence, liability and veterinary support services.

Waiting periods

• Accident: 15 days
• Illness: 15 days

Special waits / notes

General waiting period of 15 days for most sections. Euthanasia due to age or illness requires 1 year. Liability has no waiting period.

Travel & residency

• Travel cover: Time limited (90 days)
• Residency: Spain-based cover requiring a microchip and up-to-date official vaccinations.
• Moving abroad: Spain-based cover; legal defence is excluded outside Spain and liability abroad only applies to occasional private trips of up to 3 consecutive months.

Treatment details

• Preventive care: No wellness or preventive-care allowance 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 conditions are excluded.
• Hereditary / congenital: Pre-existing injuries, illnesses and abnormalities are excluded, including congenital issues existing before inception.
• Key exclusions:
  • Pre-existing and congenital conditions.
  • Events linked to hunting, mistreatment, lack of care, war, and certain natural events.

What stands out

• A €500 annual veterinary limit may be too low for more complex or recurring treatment.
• Most sections are subject to a 15-day waiting period.

Best for

• Owners who want illness cover included but at a lower annual protection level.

Not ideal for

• Owners comparing against plans with higher annual limits for illness treatment.