Petplan and Mapfre are two familiar names when looking for dog insurance in Spain, but they cover different needs. Which is better? To actually get your vet bill back, Petplan reimburses 100% up to €3,100/year, while Mapfre’s pet insurance reimburses 80% up to €2,000/year on its most complete plan. Here’s the breakdown, with the maths done.
Quick comparison: Petplan vs Mapfre (2026)
| Petplan Spain | Mapfre (pet insurance) | |
|---|---|---|
| Reimbursement | 100% of the bill | 80% (or 100% at partner clinics) |
| Annual limit | Up to €3,100/year | Up to €2,000/year |
| Co-pay / excess | €45 per illness or accident | Depends on plan |
| Plans | One, integrated (health) | Modular: Liability · Accident · Accident + Illness |
| Any vet? | Yes | Yes |
| Civil liability | Liability cover via its dedicated product | Available as a separate module |
| Prevention | €90 bonus (optional) | Check by plan |
| Indicative price | From ~€20/month | From €30/year (liability) to ~€350/year (full) |
The key difference: 100% vs 80% (and a higher limit)
What matters is how much of each bill you get back. Petplan reimburses 100% (you only pay a €45 co-pay per illness or accident) up to €3,100/year. Mapfre, on its most complete plan (Accident + Illness), reimburses 80% with a €2,000 annual cap. With Petplan you get back more of each bill and have more headroom over the year.
The maths, with real numbers
Example — €2,000 surgery (a typical cruciate ligament repair):
- Petplan (100%): pays back €2,000 − €45 = €1,955, with annual limit to spare.
- Mapfre (80%, €2,000 cap): pays back €1,600 and uses up the year’s limit.
- ➜ With Petplan you get back ~€355 more on this single bill.
The bottom line. On virtually every real vet bill, Petplan pays you back more per euro spent, thanks to its 100% reimbursement and higher annual limit.
Why Petplan is the better choice
Petplan is the better choice if you want to get 100% of every bill back (not 80%), a higher annual limit (€3,100 vs €2,000), an integrated, health-focused product and the freedom to use any vet. For consultations, tests, emergencies and surgeries, Petplan returns more per euro spent.
FAQ
Petplan or Mapfre — which is better?
To get your vet bill back, Petplan returns more: it reimburses 100% up to €3,100/year, versus 80% up to €2,000/year on Mapfre’s most complete plan.
How much does each reimburse?
Petplan reimburses 100% up to €3,100/year (€45 co-pay). Mapfre’s pet insurance reimburses 80% up to €2,000/year on its Accident + Illness plan.
Can I use any vet?
With Petplan, yes: take your pet to whichever clinic you prefer, pay and claim the reimbursement.
Do they include civil liability?
With Petplan you can cover the mandatory civil liability for your dog through its dedicated product.
Coverage details updated for 2026. Each company’s terms may change; always check the current policy conditions before buying. Comparison built from public Mapfre information and Petplan Spain’s terms.
