01
100% at any vet, not 80% with caps
Petplan pays back 100% of every bill minus €45, up to €3,100 a year. El Corte Inglés pays 80% at your own vet, with €2,000 for illness and €1,000 for accidents.
Pet insurance comparison 2026 · Spain
Petplan or El Corte Inglés pet insurance: which one pays you back more?
We compare El Corte Inglés pet insurance (Generali Mascotas, Supra option) 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.
El Corte Inglés
You pay
€1,380
They pay you back €1,000
Vet cover for accidents has a €1,000 limit, at partner clinics or not.
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 El Corte Inglés you pay
€1,380
They pay you back €1,000
With Petplan you pay €1,335 less on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. El Corte Inglés (Supra), at a vet outside its network: 80%, up to €2,000 a year for illness and €1,000 for accidents (we treat the broken leg as an accident). We do not apply its other exclusions, which could make you pay more.
The 3 differences you will notice in your pocket
02
Leishmaniasis and breed conditions
El Corte Inglés excludes leishmaniasis, hip and elbow dysplasia, luxating patella and elongated soft palate. Petplan covers leishmaniasis and conditions typical of the breed.
03
Any vet, and time to claim
With Petplan you keep your own vet and have 12 months to report a claim. With El Corte Inglés the 100% only applies at its 224 Dentycard clinics, and you have 7 days to report a claim.
Petplan vs El Corte Inglés: full comparison table
| Cover | Petplan | El Corte Inglés |
|---|---|---|
| Price per yearYorkshire Terrier puppy. Petplan: 4 November 2026. El Corte Inglés: Supra, 1 August 2026 | €279Pays back 100% | €336.84 |
| Vet bills reimbursed | 100% at any vet, minus a €45 excess per illness or accident | 80% at your own vet; 100% only at the 224 clinics in Generali's Dentycard network |
| Annual limit | €3,100 for illness and accidents | €2,000 for illness; €1,000 for accidents |
| Leishmaniasis | Covered | Excluded |
| Breed and congenital conditions | Conditions typical of the breed covered | Dysplasia, luxating patella, elongated soft palate and congenital conditions excluded |
| Behavioural problems | Covered | Excluded |
| Medication | Prescribed medication covered | Only injectables at the first visit and during surgery; follow-up medication excluded |
| Waiting periods | 15 days for accidents, 30 days for illness | 15 days for accidents, 30 days for illness |
| Time limit to report a claim | 12 months | 7 days |
| Price changes | Does not go up because you claim | Reviewed every year, taking into account how often you claim |
| Third-party liability | Optional: from €25 a year, up to €300,000 | Optional; not included in the quote |
| 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) | Generali, a general insurer, through El Corte Inglés' tied insurance agency |
What happens in the most common situations
Leishmaniasis
Petplan covers it. El Corte Inglés expressly excludes it, although it is very common in Spain.
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with El Corte Inglés you pay €1,380.
Medication at follow-up visits
Petplan covers prescribed medication. El Corte Inglés excludes medicines from follow-up visits.
Hip dysplasia
Petplan covers conditions typical of the breed. El Corte Inglés expressly excludes it.
When might El Corte Inglés suit you?
So you can decide with all the facts:
- If your usual vet is one of the 224 clinics in Generali's Dentycard network: there it pays 100%, although with the same limits of €2,000 for illness and €1,000 for accidents.
If you want 100% back at any vet, cover for leishmaniasis and medication, and a lower price, Petplan is the better choice.
Thermometer for your vet
What happens to your usual vet if you choose El Corte Inglés?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. El Corte Inglés pays 100% only at the 224 Dentycard clinics of Generali, its insurer; anywhere else, 80%.
Your vet loses the client
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 El Corte Inglés
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
What pet insurance does El Corte Inglés sell?
El Corte Inglés sells Generali Mascotas as a tied insurance agency: the insurer is Generali. We compare its Supra option, with vet cover for illness of up to €2,000 a year.
How much does each insurer pay back?
Petplan pays back 100% of the bill with a fixed €45 excess per illness or accident, up to €3,100 a year, at any vet. El Corte Inglés pays back 80% at your own vet and 100% only at the 224 clinics in Generali's Dentycard network, with limits of €2,000 a year for illness and €1,000 for accidents.
How much does each policy cost?
For a Yorkshire Terrier puppy, El Corte Inglés costs €336.84 a year on the Supra option (quote of 1 August 2026, in four quarterly payments of €84.21). Petplan costs €279 a year for a Yorkshire Terrier under 1 year old (4 November 2026): less money and 100% back.
How much would I pay for a broken leg?
On a real €2,380 bill, you pay €45 with Petplan. With El Corte Inglés you pay €1,380: vet cover for accidents has a €1,000 limit.
How much would I pay for gastroenteritis with a hospital stay?
On an example bill of €890 at your own vet, you pay €45 with Petplan. With El Corte Inglés you pay €266: it pays back 80% and does not pay the €110 of follow-up medication.
Does El Corte Inglés cover leishmaniasis?
No. Its general conditions expressly exclude vet care for leishmaniasis. Petplan covers leishmaniasis.
Does it cover hip dysplasia, luxating patella or brachycephalic syndrome?
No. It excludes hip or elbow dysplasia, congenital luxating patella, hemivertebrae, elongated soft palate with or without brachycephalic syndrome, and congenital conditions. Petplan covers conditions typical of the breed.
Is medication covered?
Only injectable medication at the first visit after diagnosis and medication used during surgery or for sedation. Medicines from follow-up visits are excluded. Petplan covers medication prescribed by your vet.
How long do I have to report a claim?
7 days with El Corte Inglés (Generali) and 12 months with Petplan.
Can the price go up because I claim?
Generali's conditions say it reviews the premium every year taking into account, among other things, how often you claim. Petplan does not raise your price because you claim.
Can I insure my rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. El Corte Inglés insures dogs and cats.
Who is behind each insurer?
Petplan has insured pets since 1976: more than 25 million pets insured, and it specialises in pet health insurance. El Corte Inglés pet insurance is underwritten by Generali, a general insurer, and sold by El Corte Inglés' tied insurance agency.
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)
- Generali Mascotas IPID and General Conditions and a quote of 1 August 2026, published in the El Corte Inglés Seguros documents (Spanish)
El Corte Inglés 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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