How does cat insurance differ from dog insurance, and which costs more? The health cover works the same way — what changes are each species’ typical risks, the price, and a legal obligation that only applies to dogs. With Petplan, both get the same backing: 100% reimbursement up to €3,100/year at any vet. Here’s the rundown.
Cat vs dog: the key differences
| Aspect | Cat | Dog |
|---|---|---|
| Insurance price | Usually cheaper | From ~€20/month |
| Typical health risks | Kidney disease, urinary obstruction (FLUTD), hyperthyroidism, diabetes | Cruciate ligament rupture, gastric torsion, hip dysplasia, fractures |
| Mandatory civil liability (Law 7/2023) | No | Yes, for all dogs |
| Reimbursement with Petplan | 100% up to €3,100/year | 100% up to €3,100/year |
| Any vet? | Yes | Yes |
Why cat insurance is usually cheaper
In general, insuring a cat costs a little less than insuring a dog. It comes down to their smaller size, a different risk profile and the fact they don’t need mandatory civil liability cover. Even so, cats have their own expensive conditions — especially chronic ones — so insurance is just as worthwhile.
Health risks: each species has its own
Cats are prone to lifelong chronic conditions (kidney disease, hyperthyroidism, diabetes) and emergencies like urinary obstruction. Dogs tend towards higher one-off injuries and surgeries, such as cruciate ligament rupture, gastric torsion or hip dysplasia. In both cases, 100% reimbursement makes the difference.
The big legal difference: mandatory dog liability
Since Law 7/2023, all dogs must have third-party civil liability insurance; cats do not. If you have a dog, see our guide to mandatory dog insurance.
With Petplan, the same backing for both
Whether you have a cat or a dog, Petplan reimburses 100% of the bill up to €3,100/year, at any vet, with a €45 co-pay, from around €20/month. Take it out while your pet is healthy: pre-existing conditions are excluded by every company.
FAQ
Is cat or dog insurance cheaper?
Cat insurance is usually a little cheaper, due to their size, risk profile and not needing mandatory civil liability.
Do cats need civil liability insurance?
No. Law 7/2023 requires liability cover only for dogs; it is not mandatory for cats.
Does Petplan cover both cats and dogs?
Yes: 100% reimbursement up to €3,100/year at any vet, for both.
Is insurance worth it for a cat?
Yes, especially because of chronic conditions (kidney, hyperthyroidism, diabetes) and emergencies like urinary obstruction.
General information updated for 2026. Petplan Spain cover. More in the best cat insurance and the best pet insurance.
