Santalucía Mascotas
Mascotas by Santalucía is a pet insurance plan designed for the Spanish market. It has a 15-day accident waiting period and 30-day illness waiting period. In practice, cover duration is annual. Travel cover is available for trips within the relevant territories.
Key facts
- Annual limit: —
- Reimbursement: —
- Excess: —
- Dental: —
- Travel: EU cover
- Cover duration: Annual
Highlights
- Low-cost entry point: civil liability from about EUR 5/month, selectable up to EUR 300,000.
- Modular design lets you add only the covers you want, including optional EU travel assistance.
Waiting periods
- Accident: 15 days
- Illness: 30 days
Special waits / notes
—
Travel & residency
- Travel cover: EU cover
- Residency: Designed for pets resident in Spain, with optional EU travel assistance.
- Moving abroad: —
Treatment details
- Preventive care: —
- 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
- Veterinary benefits are modest and capped (illness expenses only up to about EUR 360) - this is not comprehensive vet reimbursement.
- Most veterinary, theft and death covers are optional add-ons, not included in the base price.
Best for
- Owners who mainly want legally required liability cover with a few optional extras at low cost.
Not ideal for
No specific drawbacks flagged.
Included features
Death Benefit
Additional
Included
Optional death-of-pet benefit.
Theft / Loss
Additional
Included
Optional theft and straying cover.
Accident veterinary reimbursement
Core
Included
Optional accident veterinary expenses (limit set by contract).
Veterinary assistance for accident or illness
Core
Included
€360
Optional illness veterinary expenses up to about EUR 360.
Euthanasia and disposal
Extras
Included
€1,000
Optional euthanasia / burial / cremation up to about EUR 1,000.
Liability
Legal
Included
€300,000
Civil liability, selectable at EUR 180,000 / 240,000 / 300,000 (limit shown is the maximum).
Veterinary helpline
Services
Included
24-hour telephone veterinary assistance.
Travel Cover
Travel
Included
€1,000
Optional EU travel assistance up to about EUR 1,000 (services more than 50km from home).
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.