Pet insurance · Comunidad de Madrid
Pet insurance in Madrid
Dog and cat owners in Madrid 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 Madrid, and when you travel in Spain or Europe, your pet is still covered.
Madrid
- ✓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 Madrid, no network.
- ✓From €16/month for cats and €23/month for dogs. 24/7 vet included
Use any vet in Madrid
No network and no list of approved practices: your local vet, a 24-hour animal hospital, or any other you choose.
- Pay the bill at your practice in Madrid, upload it from your online account and we pay you back.
- Whether you live in Móstoles, Alcalá de Henares, Fuenlabrada, Leganés or Getafe, 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 Madrid
Big green spaces such as Casa de Campo and Madrid Río suit daily dog walks, and the Sierra de Guadarrama is under an hour away for mountain walks. For fenced play, the dog area in Parque Juan Carlos I covers nearly 5,800 m² with nine agility pieces, while Parque Roma in the Retiro district offers about 2,200 m². Further out, the Vía Verde del Tajuña runs 55 km from Arganda del Rey to Ambite; keep your dog on a lead.
In the Madrid region, cats must be microchipped and neutered before six months, unless they are breeding cats of registered breeders. Pets are recorded on RIAC, access to which is managed by the Colegio Oficial de Veterinarios de Madrid. With Petplan pet insurance in Madrid you can use any vet practice in the city, Móstoles, Alcalá de Henares or Getafe: you pay the bill and get 100% of covered costs back, minus a fixed €45 co-pay.
Where to walk your dog
- Área canina del Parque RomaFenced dog area of about 2,200 m² in the Retiro district, with a seven-piece agility course and benches.
- Área canina del Parque Juan Carlos ILarge fenced area of nearly 5,800 m² inside the park, with five gates and nine agility pieces (tunnel, slalom, jumps).
- Vía Verde del TajuñaArganda del Rey55 km from Arganda del Rey to Ambite along the Tajuña valley, on asphalt and gravel. Keep dogs on a lead.
Microchips and rules
- In the Comunidad de Madrid, microchips are recorded in the Registro de Identificación de Animales de Compañía de la Comunidad de Madrid (RIAC).
- Cats must be microchipped and neutered before six months of age, except breeding cats of registered breeders.
- To take out a policy, your pet must be microchipped and its details must match the official register.
Vets and travel
- Colegio Oficial de Veterinarios de Madrid — Manages access to RIAC, the Madrid region's pet identification register.
- Renfe accepts pets up to 10 kg in a carrier on AVE, Avant, long- and medium-distance trains, and dogs up to 40 kg without a carrier on selected services (€40 supplement on AVE).
Sources · Local information reviewed October 2026.
boe.es · diario.madrid.es · airedemadrid.madrid.es · ciclamadrid.viasverdes.com · riacmadrid.org · colvema.org · renfe.com
What’s covered and what’s not?
What Petplan pet insurance covers in Madrid, from a middle-of-the-night emergency to planned surgery.
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 Madrid
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 Madrid
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 Madrid 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 Madrid 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 Madrid: frequently asked questions
Can I use any vet in Madrid?
Yes. With Petplan you can see any registered vet in Madrid 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 Madrid?
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.
Where can I walk my dog in Madrid?
Some options: Área canina del Parque Roma — Fenced dog area of about 2,200 m² in the Retiro district, with a seven-piece agility course and benches; Área canina del Parque Juan Carlos I — Large fenced area of nearly 5,800 m² inside the park, with five gates and nine agility pieces (tunnel, slalom, jumps); Vía Verde del Tajuña (Arganda del Rey) — 55 km from Arganda del Rey to Ambite along the Tajuña valley, on asphalt and gravel. Keep dogs on a lead. Always check the signs and seasonal opening hours before you go.
Where is my pet's microchip registered in Madrid?
In the Comunidad de Madrid, microchips are recorded in the Registro de Identificación de Animales de Compañía de la Comunidad de Madrid (RIAC). The Colegio Oficial de Veterinarios de Madrid 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 Móstoles, Alcalá de Henares or Fuenlabrada?
Yes. The cover is the same at any vet practice in Móstoles, Alcalá de Henares or Fuenlabrada 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 Madrid?
Renfe accepts pets up to 10 kg in a carrier on AVE, Avant, long- and medium-distance trains, and dogs up to 40 kg without a carrier on selected services (€40 supplement on AVE).
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.
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.