01
Illness included, not an add-on
With Petplan, illness and accidents are both covered up to €3,100 a year. With Generali, illness is an optional extra with its own limit, only for pets up to 7 years old, and its price rises after the fifth year.
Pet insurance comparison 2026 · Spain
Petplan or Generali: which pet insurance pays you back more?
We compare Generali's pet insurance with Petplan: price, limits, exclusions 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.
Generali
You pay
€1,380
They pay you back €1,000
Accident vet cover is limited to €1,000, at a partner clinic or at your own vet.
How much would you pay after an accident?
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 Generali you pay
€1,380
They pay you back €1,000
With Petplan you save €1,335 on this bill.
One accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. Generali at your own vet: 80%, up to €1,000 per accident.
The 3 differences you will notice in your pocket
02
A real limit for accidents
Generali caps accident vet costs at €1,000 and pays 80% at your own vet. Petplan pays 100% minus €45, up to €3,100, at any vet.
03
Breed conditions, medication and behaviour
Generali excludes congenital conditions such as hip dysplasia, follow-up medication and behavioural problems. Petplan covers breed-related conditions, prescribed medication and behaviour.
Petplan vs Generali: full comparison table
| Cover | Petplan | Generali |
|---|---|---|
| Price per yearBorder Collie under 1 year old, July 2026 | €294€43 less per year | €337 |
| Reimbursement at your own vet | 100%, minus a €45 excess | 80% |
| Reimbursement at partner clinics | Not applicable: 100% at any vet | 100% |
| Accident limit | €3,100 a year | €1,000 |
| Illness | Included, up to €3,100 a year | Optional extra: €1,000, €1,500 or €2,000 a year; only for pets aged 3 months to 7 years; premium rises after the fifth year |
| Medication | Prescribed medication covered | Illness: only injectables at the first visit and during an operation; follow-up medication excluded |
| Breed-related and congenital conditions | Breed-related conditions covered | Excluded: hip or elbow dysplasia, hemivertebrae, luxating patella, ectropion, entropion, elongated soft palate, among others |
| Behavioural problems | Covered | Excluded |
| Renewal | No increase for claims | Premium reviewed every year based on claims cost and frequency |
| Time limit to report a claim | 12 months | 7 days |
| Euthanasia and remains | Up to €200 | €150 for euthanasia and disposal; €150 for burial or cremation |
| Boarding if you are taken into hospital | Up to €600 | Up to €300 |
| Death from illness | Up to €600 | Optional extra, up to €1,000, with a 4-month waiting period |
| Age to join | From 2 months to 7 years | From 3 months to 9 years; vaccinations must be up to date |
| Third-party liability | Optional: +€25 a year, up to €300,000 | Optional, €200,000 or €300,000 |
| Species | Dogs, cats and rabbits | Dogs and cats |
| Experience in pet insurance | Since 1976: more than 25 million pets insured | Generali ON Mascotas launched in April 2024 |
| Who provides it | Petplan, a pet specialist with more than 50 years' experience and more than 25 million pets insured since 1976; risk underwritten by Telefónica Seguros (Spain) | Generali Seguros y Reaseguros, a general insurer (home, car, life…) |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Generali, €1,380.
An illness
Petplan covers it. Generali only does if you paid extra for its illness cover, and without follow-up medication.
Hip dysplasia
Common in breeds such as Labradors or German Shepherds. Generali excludes it. Petplan covers breed-related conditions.
Treatment at home
After a visit, your vet prescribes tablets for your dog. Generali does not cover follow-up medication; Petplan covers prescribed medication.
When might Generali suit you?
So you can decide with all the facts:
- If one of its partner clinics is near you and you only want accident cover: there it pays 100%, up to €1,000.
- If you want accidental death and theft cover based on your pet's value.
- If you already have other Generali policies and prefer everything with the same insurer.
If you want illness and accidents covered at any vet, with medication, breed-related conditions and up to €3,100 a year, Petplan protects you better.
Thermometer for your vet
What happens to your usual vet if you choose Generali?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. Generali pays 100% only at its 224 Dentycard clinics.
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 Generali
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
Which insurer pays back more, Petplan or Generali?
Petplan reimburses 100% of your vet bill with a fixed €45 excess per illness or accident, at any vet, up to €3,100 a year. Generali pays accident vet costs up to €1,000: 100% at its partner clinics and 80% at your own vet.
Does Generali cover illness?
Only if you add its optional illness cover, which costs extra. It has an annual limit of €1,000, €1,500 or €2,000, only accepts pets aged 3 months to 7 years, and its premium goes up after the fifth year. With Petplan, illness and accidents are both included.
How much does each policy cost?
For a Border Collie under 1 year old (July 2026), Petplan costs €294 a year and Generali Mascotas Supra costs €337 a year: €43 more.
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 Generali you pay €1,380: its accident cover is limited to €1,000, whether you go to one of its partner clinics or to your own vet.
Does Generali cover medication?
For illness, only injectable drugs given at the first visit after diagnosis and during an operation, until your pet leaves the clinic. It excludes fluids, drugs and medication from follow-up visits. Petplan covers prescribed medication.
Does Generali cover hip dysplasia or a luxating patella?
No. Its conditions exclude congenital diseases and abnormalities, and expressly list hip or elbow dysplasia, hemivertebrae, congenital luxating patella, ectropion and entropion, the elongated soft palate of flat-faced breeds, and leishmaniasis. Petplan covers breed-related conditions.
Does Generali cover behavioural problems?
No. It excludes behavioural disorders from any cause, such as aggression. Petplan covers behavioural problems.
Can my premium go up because I claimed?
Petplan does not raise your renewal price because you used your policy. Generali's conditions say it reviews the premium every year based on the cost and frequency of claims.
How long do I have to report a claim?
12 months with Petplan and 7 days with Generali.
How long has each insurer offered pet insurance?
Petplan has been insuring pets since 1976 and has insured more than 25 million. Generali launched its Generali ON Mascotas policy in April 2024.
Can I insure my rabbit?
With Petplan, yes. Generali's pet insurance is for 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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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 ON Mascotas General Conditions (GNE10PET_L_0424) and Generali Mascotas IPID (Spanish)
Generali 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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