Compare Petplan with other dog and cat insurance providers
- Legend
- Covered
- Depends on the plan or has limits
- Not covered
- Not stated in their documents
| Petplan | Línea Directa |
Mapfre | Generali | Barkibu | SantéVet | Adeslas | Santa Lucía | |
|---|---|---|---|---|---|---|---|---|
| Health insurance – What it covers | ||||||||
| Free choice of vet for illnesses | only their partner network |
80% outside their network |
80% outside their network |
only their partner network |
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| How much of an illness vet bill does it pay? | 100% fixed co-payment of 45 € |
0% at your own vet in their clinic network you pay set prices |
80% outside network 100% in their network |
80% outside network 100% in their network; optional cover of 1,000 to 2,000 €/year |
80% you pay 20% of each bill |
90% + 70 €/year excess |
0% at your own vet in their clinic network you pay set prices |
Up to 1,000 €/year |
| 2,380 € vet bill for a broken leg at your own vet: how much do you pay? | 45 € | 1,380 € limit of 1,000 €/year for accidents |
596 € 80% and no post-operative medication |
1,380 € limit of 1,000 € per accident |
476 € | 308 € 90% minus 70 € excess |
2,380 € no reimbursement outside their network |
2,080 € 300 € limit for a pet valued at 600 € |
| Medicines | no medicines in the Vet Plan |
only during surgery |
only injectables during consultations; no medication at check-ups |
no medication at check-ups |
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| Physiotherapy | max. 8 sessions |
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| Breed-specific illnesses | does not cover illnesses |
excludes dysplasia and patellar luxation |
excludes dysplasia, patella and congenital conditions |
with exclusions (e.g. brachycephalic) |
excludes congenital and hereditary conditions |
excludes congenital conditions |
||
| Behavioural disorders | does not cover illnesses |
max. 8 sessions, 6-month waiting period |
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| Other coverages | ||||||||
| Death due to illness | 600 € | only due to an accident |
optional: value of the animal, 4-month waiting period |
1,000 € 6-month waiting period |
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| Euthanasia and remains management | 200 € | 150 € | 150 € +150 € burial or cremation |
As a vet expense | 22 € excess paid by you |
180 € | ||
| Expenses if your pet is lost | 600 € | 155 € | 150 € +75 € boarding |
180 € | ||||
| Boarding stay due to the owner’s hospitalisation | 600 € | 300 € | 350 € | 300 € | ||||
| Scope of coverage | European Union and United Kingdom |
Spain | Spain and abroad | European Union | Spain EU, UK and Andorra up to 6 months |
Spain and trips of less than 3 months |
Spain | European Union |
| Insures rabbits | ||||||||
| Waiting periods and claims | ||||||||
| Waiting periods of 6 months or more | No 15 days accident / 30 days illness |
Yes euthanasia due to illness: 6 months |
Yes euthanasia due to illness: 1 year |
No maximum 4 months: euthanasia and death due to illness |
Yes dysplasia, cruciate ligament, herniated disc… 6 months |
Yes surgery and ligaments: 6 months |
Yes death due to illness: 6 months |
Yes euthanasia and death: 6 months |
| Deadline to report a claim | 12 months | 7 days | 7 days | 7 days | 3 months | 7 days | 7 days | |
| Strength and experience in pet insurance | ||||||||
| Years insuring pets | 50 years since 1976 |
Less than 1 month its vet insurance, launched in October 2026 |
21 years since 2005 |
2 years since 2024 |
4 years since 2022 |
23 years in Spain since 2017 |
8 years since 2018 |
13 years since 2013 |
| Pets insured | +25 million | ≈ 90,000 estimate based on their public data |
+150,000 in 7 European countries |
+1 million | ||||
Things to bear in mind before taking out health insurance for your pet:
Annual maximum limit, waiting periods and exclusions. It is very important to check the policies of all insurers before signing up.
Comparison based on the IPID, the general terms and conditions and the website of each insurer, consulted in October 2026. The most comprehensive plan of each insurer is compared: Línea Directa Completo + Plan veterinario, Mapfre Seguro Veterinario Accidentes y Enfermedad, Generali Mascotas (2026 terms) with the optional illness cover, Barkibu Ilimitado, SantéVet Premium, Adeslas Mascotas Completa and Santa Lucía Seguro de Mascotas (with all its optional covers). The grey “Not stated” icon means the information does not appear in the insurer’s public documents. Example bill: consultation 80 €, X-ray 90 €, blood test 80 €, anaesthesia 150 €, surgery 900 €, plate 500 €, hospitalisation 250 €, medication 150 € and check-ups 180 €.
The information in this comparison is for illustrative purposes only and should be verified with each company.