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Insurance that pays, not a prevention plan
Petplan pays back 100% of every bill minus €45. Caser covers preventive care at its clinics; when your pet is ill or injured, you pay, with a discount of up to 20%.
Pet insurance comparison 2026 · Spain
Petplan or Caser MIMAscota: which one actually pays your vet bills?
We compare Caser MIMAscota on its most complete plan, the Premium Health Plan, 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.
Caser
You pay
€2,380
They pay you back €0
No reimbursement, except authorised emergencies up to €100 a year. At CASERVET clinics, with the maximum 20% discount, more than €1,900.
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 Caser 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. Caser does not reimburse vet bills (only authorised emergencies, up to €100 a year); at CASERVET clinics you pay their rates with a discount.
The 3 differences you will notice in your pocket
02
Emergencies: €100 a year
Caser only pays back emergencies, up to €100 per pet per year, in specific cases and only if you call first for authorisation.
03
Any vet, and time to claim
With Petplan you keep your own vet and have 12 months to report a claim. With Caser the plan only works at CASERVET clinics, and you have 7 days to report a claim.
Petplan vs Caser MIMAscota: full comparison table
| Cover | Petplan | Caser MIMAscota |
|---|---|---|
| Price per yearPetplan: Yorkshire Terrier under 1 year old, 15 October 2026. Caser: Premium Health Plan quote, 17 October 2026 | €279Pays back 100% | €430.11 |
| What it is | Pet health insurance | Third-party liability insurance (as its IPID says), with an optional vet care plan |
| Vet bills reimbursed | 100%, minus a €45 excess per illness or accident | None, except authorised emergencies up to €100 per pet per year |
| Annual limit for vet bills | €3,100 | €100 a year, emergencies only |
| Choice of vet | Any vet | Only CASERVET clinics |
| What is free | Not applicable | Preventive care: consultations, vaccines, deworming, yearly blood and urine tests and abdominal ultrasound, passport |
| Tests, surgery and hospital stays | 100% minus €45 | Paid by you, with a discount of up to 20% |
| Emergencies | 100% minus €45, at any emergency clinic | Up to €100 a year, in specific cases, only after calling for authorisation |
| Time limit to report a claim | 12 months | 7 days |
| Third-party liability | Optional: +€25 a year, up to €300,000. You only pay for it if you need it | Compulsory: up to €350,000, built into the price, even though many home insurance policies already include it |
| Where you are covered | European Union and United Kingdom | 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) | Caser, a general insurer |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Caser you pay the bill, with a discount of up to 20% at CASERVET clinics.
An emergency on a Sunday
Caser: at most €100 a year, and only if you call first and get authorisation. Petplan: 100% minus €45.
An illness that needs treatment
Caser: the consultation is free at CASERVET; tests and treatment are yours to pay. Petplan covers them up to €3,100 a year.
Your usual vet
Caser's plan only works at CASERVET clinics. With Petplan you keep your vet and still get 100% back.
When might Caser suit you?
So you can decide with all the facts:
- If a CASERVET clinic is near you and you mainly want preventive care: vaccines, deworming, yearly tests and check-ups.
- If you want a higher third-party liability limit (up to €350,000) and your home insurance does not include it.
If you want your vet bills actually paid when your pet is ill or injured, 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 Caser?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. Caser only provides care at CASERVET clinics; anywhere else it only pays back authorised emergencies, up to €100 a year.
Your vet loses the client Caser
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 Caser MIMAscota pay back my vet bills?
No. Its own product information document (IPID) describes it as a third-party liability policy. On the Premium Health Plan, vet care is only provided at CASERVET clinics: some preventive care is free and you pay for the rest, with a discount. Its conditions say it will not reimburse any amount, except emergencies, up to €100 per pet per year. Petplan reimburses 100% of the bill with a fixed €45 excess, up to €3,100 a year.
How much does each policy cost?
Caser MIMAscota Premium Health Plan costs €430.11 a year, according to its quote of 17 October 2026, with third-party liability of up to €350,000 included. Petplan costs €279 a year for a Yorkshire Terrier under 1 year old (15 October 2026). Petplan is cheaper and also 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 Caser, at your own vet you pay the bill: at most, if it is an emergency authorised by phone, it pays back €100 a year. At a CASERVET clinic you pay its rates with a discount of up to 20%: with the prices on this bill, more than €1,900.
What does the Premium Health Plan include for free?
Preventive care: consultations and check-ups, life-threatening emergency consultations, vaccines, internal deworming, a yearly urine and blood test, a yearly abdominal ultrasound and a pet passport, among others, always at CASERVET clinics. Tests for an illness, surgery and hospital stays are paid by you, with a discount.
When does Caser pay back an emergency?
Up to €100 per pet per year, only in the cases set by Caservet: when there is no CASERVET clinic in your region or, if there is one, when you need an emergency centre outside its opening hours. You must always call the emergency line first and get authorisation; otherwise there is no refund.
Can I keep my own vet?
With Caser, the Premium plan only works at CASERVET clinics. Anywhere else, it only pays back authorised emergencies, up to €100 a year. With Petplan you can go to any vet.
Do I have to pay for third-party liability?
With Caser, yes: it is the core cover of all its plans, up to €350,000, even though many home insurance policies already include it. With Petplan it is optional: +€25 a year, up to €300,000, only if you need it.
Am I covered when I travel with my dog?
Caser MIMAscota only covers you 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 Caser.
Can I insure my rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. Caser MIMAscota 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
Trustpilot
4.5 out of 5
"Excellent" · more than 1,300 reviews
4.5 out of 5
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)
- Caser MIMAscota IPID and General Conditions, Caser website and quote of 17 October 2026, and the Caservet Health Plans page (Spanish)
Caser 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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