01
Insurance that pays, not a price list
Petplan pays back 100% of every bill minus €45. ASISA never reimburses: it only treats your pet in its network, and you pay an excess for tests, operations and hospital stays.
Pet insurance comparison 2026 · Spain
Petplan or ASISA Mascotas: which one actually pays your vet bills?
We compare ASISA Mascotas against Petplan: price, what each one pays, and what you pay out of your own pocket, using the official documents of each insurer.
Updated · Sources
Real case: a broken leg
Vet bill
Broken leg after an accident
- Consultation and emergency care€80
- X-rays (2 views)€90
- Pre-operative blood tests€80
- Anaesthesia and monitoring€150
- Orthopaedic surgery€900
- Fixation implants (plate and screws)€500
- Hospital stay (2 days)€250
- Medication and post-operative care€150
- Check-ups + follow-up X-ray€180
Total€2,380
Petplan
You only pay
€45
We pay you back €2,335
100% reimbursement with a €45 excess per accident, at any vet.
ASISA
You pay
€2,380
They pay you back €0
No reimbursement. In its network you pay the surgery, X-ray and hospital excess; the plate and medication are not covered.
How much would you pay on a vet bill?
Choose the amount of the bill at your own vet.
Real case: broken leg with surgery, plate and hospital stay.
With Petplan you pay
€45
We pay you back €2,335
With ASISA you pay
€2,380
They pay you back €0
With Petplan you save €2,335 on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. ASISA does not reimburse vet bills; in its network you pay its own excess for each service.
The 3 differences you will notice in your pocket
02
The small print on those prices
ASISA's excesses exclude medication, plates and other material, anything not on its list is charged at the clinic's private rate, emergencies carry a 25% surcharge, and the excesses can change every year.
03
Any vet, and time to claim
With Petplan you keep your own vet and have 12 months to report a claim. With ASISA nothing is covered outside its network, and you have 7 days to report a claim.
Petplan vs ASISA Mascotas: full comparison table
| Cover | Petplan | ASISA Mascotas |
|---|---|---|
| Price per yearPetplan: Yorkshire Terrier under 1 year old, 15 October 2026. ASISA: quote of 17 October 2026, paid annually, all optional cover | €279Pays back 100% | €215.70plus an excess on every service |
| Vet bills reimbursed | 100%, minus a €45 excess per illness or accident | None: it never reimburses any bill |
| Annual limit for vet bills | €3,100 | Not applicable: it does not pay vet bills |
| Choice of vet | Any vet | Only clinics in its network; care elsewhere is excluded |
| What you pay in its network | Not applicable | Booked consultations free; an excess for tests, operations and hospital stays (e.g. fracture surgery with plates €515.46, X-rays €66.55, €54.45 a night in hospital) |
| What its excesses leave out | Not applicable | Medication, fluids, plates, prostheses, implants and material; external lab tests; anything not on the list at the clinic's private rate |
| Emergencies | 100% minus €45, at any emergency clinic | Only if you call first; 25% surcharge on services arising from an emergency |
| Medication | Prescribed medication covered | Paid by you |
| Behavioural problems | Covered | Visits to behaviour specialists excluded |
| Price changes | Does not go up because you claim | Excesses can change every year; if you do not accept them, the contract ends |
| Time limit to report a claim | 12 months | 7 days |
| Where you are covered | European Union and United Kingdom | Vet care in Spain only |
| Species | Dogs, cats and rabbits | Dogs and cats |
| Who provides it | Petplan, a pet specialist with more than 25 million pets insured since 1976; risk underwritten by Telefónica Seguros (Spain) | ASISA, a health insurer |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with ASISA you pay it all at your own vet, or more than €1,340 in its network.
An emergency on a Sunday
ASISA: only if you call first and go where they send you, with 25% extra on what is done as an emergency. Petplan: 100% minus €45.
An illness that needs treatment
ASISA: the consultation is free; tests carry an excess and medication is yours to pay. Petplan covers them up to €3,100 a year.
Your usual vet
ASISA covers nothing outside its network. With Petplan you keep your vet and still get 100% back.
When might ASISA suit you?
So you can decide with all the facts:
- If one of its network clinics is near you and you mainly want free booked consultations, video consultations and low-cost vaccines.
- If you want a lower yearly premium and accept paying an excess every time your pet needs tests or surgery.
- If you need third-party liability and your home insurance does not include it.
If you want your vet bills actually paid, at any vet and with up to €3,100 a year, Petplan is real pet health insurance.
Thermometer for your vet
What happens to your usual vet if you choose ASISA?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. ASISA only provides vet care at its own network clinics and pays back no bills anywhere else.
Your vet loses the client ASISA
Policies with a vet network and set prices: they pay nothing back at your usual clinic, so the client ends up at their network clinics.
Your vet will almost certainly lose the client
At their partner clinics the client pays nothing; at the usual clinic they pay upfront and get 80% back. They will go where they do not have to pay.
Your vet will lose the client sooner or later
They pay 80% at any clinic but 100% only at their own. With the first expensive bill, the client switches.
Your vet keeps the client Petplan
Reimbursement at any vet. The client stays with their usual vet, and the insurance helps the clinic keep them.
Petplan classification based on how each insurer reimburses vet bills for illness outside its own clinic network.
Frequently asked questions
Does ASISA Mascotas pay back my vet bills?
No. Its General Conditions say it will never reimburse any bill. Vet care is only provided at the clinics in its network, and you pay an excess for each service according to its price list. Petplan reimburses 100% of the bill with a fixed €45 excess, up to €3,100 a year.
How much does each policy cost?
According to its quote of 17 October 2026, ASISA Mascotas costs €215.70 a year paid annually (€18.70 a month paid monthly), with all its optional cover, including €300,000 third-party liability. On top of that you pay the excess for each service. Petplan costs €279 a year for a Yorkshire Terrier under 1 year old (15 October 2026) and pays back 100% of the bill.
How much would I pay for a broken leg with each insurer?
On a real €2,380 bill, you pay a €45 excess with Petplan. With ASISA, at your own vet you pay the full €2,380. In its network it is not free either: fracture surgery with plates has a €515.46 excess, X-rays €66.55 and each night in hospital €54.45, and the plate and medication are not covered. With the prices on this bill, you would pay more than €1,340.
What does the ASISA vet network include?
Booked consultations, check-ups, life-threatening emergencies authorised by phone, scheduled video consultations and some vaccines are free. Tests, operations and hospital stays carry an excess that you pay, and anything not on its price list is charged at the clinic's private rate.
Do ASISA's excesses include medication and materials?
No. It excludes medication, fluids, prostheses, orthoses and implants such as pins, meshes, plates, wires and fixators, as well as blood bags, contrast media and tests that have to be sent to an external laboratory.
What happens in an emergency?
With ASISA you must call its emergency line first: if you go straight to an emergency clinic without that call, it is not covered and you pay the whole bill. Services arising from an emergency also carry a 25% surcharge. With Petplan you go to the nearest emergency clinic and we pay back 100% minus €45.
Can I keep my own vet?
Not with ASISA: it excludes care provided by vets or clinics outside its network. With Petplan you can go to any vet.
Can the excesses change every year?
Yes. ASISA can change the services covered and the amount of the excesses every year, and if you do not accept the new excesses, the contract ends. With Petplan you always get 100% of the bill back minus €45.
Does ASISA cover behavioural problems?
No. It excludes visits to behaviour specialists. Petplan covers behavioural problems.
Am I covered when I travel with my dog?
ASISA's vet cover only applies in Spain. Petplan covers you in the European Union and the United Kingdom.
How long do I have to report a claim?
12 months with Petplan and 7 days with ASISA.
Can I insure my rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. ASISA Mascotas only insures dogs and cats.
Can I deal with Petplan in English?
Yes. You can get your quote online in English in under a minute, and our team is happy to help you in English by WhatsApp, email or phone.
What our customers say
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413 reviews
Figures as of October 2026.
Sources and methodology
We have compared the official documents currently in force for each insurer. We review this page every quarter or whenever the conditions change. The official documents are in Spanish.
- Petplan IPID (PDF, Spanish)
- ASISA Mascotas product information document, General Conditions, 2026 table of cover and excesses (mainland Spain and Balearics), 2026 brochure and quote of 17 October 2026 (Spanish)
ASISA is a trademark of its respective owners. This comparison is made by Petplan using public information; always read the full conditions before taking out a policy.
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