Pet insurance · Región de Murcia
Pet insurance in Murcia
Dog and cat owners in Murcia can get the best advice on looking after their pets’ health from Petplan; we have been offering the best-rated pet insurance for more than 50 years. With our insurance you can use any vet in Murcia, and when you travel in Spain or Europe, your pet is still covered.
Murcia
- ✓100% of covered vet fees reimbursed for illness or accident.
- ✓Up to €3,100 a year for vet fees with a fixed €45 co-pay per illness or accident, not per visit.
- ✓Any vet in Murcia, no network.
- ✓From €16/month for cats and €23/month for dogs. 24/7 vet included
Use any vet in Murcia
No network and no list of approved practices: your local vet, the one on the seafront, or any other you choose.
- Pay the bill at your practice in Murcia, upload it from your online account and we pay you back.
- Whether you live in Cartagena, Lorca or Molina de Segura, the cover is the same at any practice.
- Travelling: covered anywhere in Spain and for up to 90 days a year in the EU, the UK, Switzerland, Norway, Iceland, Andorra, Liechtenstein, Monaco, San Marino and Vatican City.
- We never raise your price because you claimed.
Looking after your pet in Murcia
With the Mediterranean on one side and the Mar Menor on the other, the Region of Murcia has dog beaches in several towns, but its summers are very hot, so walk early or in the evening and carry water. Las Moreras in Mazarrón is open to dogs all year, and Las Salinas in Los Alcázares has a marked-off area on the Mar Menor. Heartworm, spread by mosquitoes, is more common here than in most of Spain: use monthly prevention and test yearly.
Pets are recorded on the Región de Murcia companion animal register; a pet arriving with an incompatible identifier needs a new microchip within 30 days. The University of Murcia's veterinary hospital at Espinardo takes emergencies 24 hours a day, all year. Petplan pet insurance in Murcia works with any vet practice, in Murcia, Cartagena or Lorca: you pay and receive 100% of covered costs back, minus a fixed €45 co-pay.
Beaches and spaces for dogs
- La Calera dog beachCartagenaBetween Isla Plana and La Azohía; dogs must be vaccinated, wormed and microchipped.
- Las Moreras (also El Gachero and Cobaticas)MazarrónOpen to dogs all year.
- La Cañada del NegroÁguilasÁguilas also has a dog beach at Cala Mijo.
- Las SalinasLos AlcázaresMarked-off area on the Mar Menor.
Health: what to watch for
- Heartworm, spread by mosquitoes, is more common here than in most of Spain. Monthly prevention and a yearly antigen test are recommended.
- Canine leishmaniosis, spread by sand flies, is common across southern Spain, the Mediterranean and the Balearics. Use repellents, ask about vaccination and test yearly with your vet.
- Summers here are among Spain's hottest. Walk your dog early or late, carry water, and take extra care with puppies, older dogs and flat-faced breeds.
The policy asks you to keep your dog's official vaccinations up to date, including leishmaniasis. With the Health + Vaccines plan we refund the cost, up to €90 a year.
Microchips and rules
- In the Región de Murcia, microchips are recorded in the Registro de Animales de Compañía de la Región de Murcia.
- If an animal arrives from another region or country with an incompatible identifier, a new microchip must be implanted within 30 days.
- To take out a policy, your pet must be microchipped and its details must match the official register.
Vets and travel
- Ilustre Colegio Oficial de Veterinarios de la Región de Murcia — Av. de la Constitución 13, Murcia.
- Hospital Clínico Veterinario de la Universidad de Murcia — Espinardo campus, Murcia. 24-hour emergencies all year for small animals and horses; specialist consultations.
- Murcia has had AVE high-speed trains since 2022; Renfe accepts dogs up to 40 kg without a carrier on AVE and Avlo for a €40 supplement.
Sources · Local information reviewed October 2026.
econet.carm.es · ine.es · pmc.ncbi.nlm.nih.gov · link.springer.com · aemet.es · turismoregiondemurcia.es · fotocasa.es · boe.es · veterinariosmurcia.es · um.es · renfe.com
What’s covered and what’s not?
What Petplan pet insurance covers in Murcia, from an accident on the beach to a long-term illness.
Included Covered
- Vet consultations for illness and emergencies.
- Surgery, hospital stays and post-operative care.
- Diagnostic tests: blood tests, X-rays, CT scans…
- Medicines prescribed by your vet.
- Physiotherapy and behavioural disorders.
- Breed-related conditions.
- Payouts for death or theft, lost-pet search costs and boarding if you are hospitalised.
- 24/7 vet chat and video calls.
- Vaccines, if you add them as an option, up to €90 a year.
- Third-party liability up to €300,000, as an option.
Not included Excluded
- Pre-existing conditions.
- Preventive treatments and worming.
- Microchipping and neutering.
- Illness in the first 30 days and accidents in the first 15 days (waiting period).
See all cover and exclusions in the policy.
Protect other people too in Murcia
If your dog or cat causes damage to someone else or their belongings, we take care of it. Choose the plan that suits you best:
RC Top
€55/year
- Up to €500,000 a year (€300,000 per claim)
- Legal defence and bonds
RC + Individual cremation
€105/year
- Third-party liability up to €300,000
- Individual cremation with urn, collection and home delivery
- 1 year of online vet
All plans include civil and criminal legal defence and cover at dog shows and contests. €200 excess per claim; outside Spain, up to 90 days per policy year. More information · IPID
Why choose Petplan in Murcia
100% reimbursed
We pay back 100% of covered vet fees; you only pay a fixed €45 co-pay per illness or accident.
No price rise for claiming
Our no-claims price guarantee: if your pet needs treatment, we want you to claim.
24/7 vet
Chat and video calls with registered vets, free with your health policy.
How it works
Three steps, all online: no paperwork at the practice and no app to download.
See your vet
Take your pet to any practice in Murcia and pay the bill.
Make a claim
Upload the invoice and vet report from your online account, on the web or your phone.
Get paid
We reimburse 100% of covered costs, minus the co-pay.
Protect your pet in Murcia today
Get a price for your dog, cat or rabbit in one minute, with no obligation. More than 25 million pets insured since 1976.
Pet insurance in Murcia: frequently asked questions
Can I use any vet in Murcia?
Yes. With Petplan you can see any registered vet in Murcia or anywhere else in Spain, with no network. You pay the bill and we reimburse 100% of covered costs, minus a fixed €45 co-pay per illness or accident.
How much does pet insurance cost in Murcia?
Petplan health cover starts at €16 a month for cats and €23 a month for dogs. The exact price depends on species, breed and age; you can get a quote online in one minute.
Are there dog beaches in Murcia?
Yes. Some options: La Calera dog beach (Cartagena) — Between Isla Plana and La Azohía; dogs must be vaccinated, wormed and microchipped; Las Moreras (also El Gachero and Cobaticas) (Mazarrón) — Open to dogs all year; La Cañada del Negro (Águilas) — Águilas also has a dog beach at Cala Mijo. Always check the signs and seasonal opening hours before you go.
What health risks should I watch for in my dog in Murcia?
Heartworm, spread by mosquitoes, is more common here than in most of Spain. Monthly prevention and a yearly antigen test are recommended. Canine leishmaniosis, spread by sand flies, is common across southern Spain, the Mediterranean and the Balearics. Use repellents, ask about vaccination and test yearly with your vet. Petplan covers vet treatment for illness or accident, except pre-existing conditions.
Where is my pet's microchip registered in Murcia?
In the Región de Murcia, microchips are recorded in the Registro de Animales de Compañía de la Región de Murcia. The Ilustre Colegio Oficial de Veterinarios de la Región de Murcia can advise you on registration. To take out Petplan, your pet must be microchipped and its details must match the official register.
Does the cover work if I live in Cartagena, Lorca or Molina de Segura?
Yes. The cover is the same at any vet practice in Cartagena, Lorca or Molina de Segura and the rest of Spain: pay the bill, upload it from your online account and we reimburse 100% of covered costs, minus the co-pay.
Can I travel with my pet from Murcia?
Murcia has had AVE high-speed trains since 2022; Renfe accepts dogs up to 40 kg without a carrier on AVE and Avlo for a €40 supplement.
Do I need to live in Spain?
Yes. You and your pet must live in Spain. It doesn't matter what nationality you are, and you can get a quote and read the terms in English; the Spanish version of the policy is the legally binding one.
Am I covered when I travel, including to the UK?
Yes. Vet fees are covered anywhere in Spain and for up to 90 days per policy year in the EU, the UK, Switzerland, Norway, Iceland, Andorra, Liechtenstein, Monaco, San Marino and Vatican City.
What isn't covered?
Pre-existing conditions, preventive treatments, worming, microchipping and neutering are not covered. There is a 15-day waiting period for accidents and 30 days for illness from the start of the policy.
Is third-party liability insurance compulsory for dogs in Spain?
As of October 2026, the general dog liability insurance set out in Ley 7/2023 is not yet enforceable, because its regulation has not been published. It is already compulsory for dogs classed as potentially dangerous, with at least €120,000 of cover. With Petplan you can add third-party liability cover of up to €300,000.
Which vaccinations does the policy require for dogs in Murcia?
The policy asks you to keep your dog's official vaccinations up to date: distemper, hepatitis, leptospirosis, parvovirus, parainfluenza, leishmaniasis and rabies. You can add vaccine reimbursement, up to €90 a year, when you buy.
Pet insurance near Murcia
See the page for your province, town or island.
Page produced by Petplan Ibérica SL. Last updated: 20 October 2026. Legal information. Petplan dog, cat and rabbit insurance is sold by Petplan Ibérica SL (insurance brokerage, DGSFP code J3103, CIF B90057431) and underwritten by Telefónica Seguros y Reaseguros Compañía Aseguradora, S.A.U. See the full details in the General and Specific Conditions.