01
Illness is covered
Most trips to the vet are for illness: tummy upsets, skin and ear problems, infections. Petplan pays for them; Línea Directa does not pay for treatment for illness, only for accidents.
Pet insurance comparison 2026 · Spain
Petplan or Línea Directa: who pays your vet bill when your pet is ill?
They are not the same kind of insurance. We explain what each one covers, using their official documents, so there are no surprises at the vet's.
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.
Línea Directa
You pay
€1,380
They pay you back €1,000
€1,000 annual limit for accident costs. A prior consultation with their tele-vet service is required.
How much would you pay in each case?
Choose a situation. Calculated with each policy's cover and limits.
Real case: broken leg with surgery, plate and hospital stay.
With Petplan you pay
€45
We pay you back €2,335
With Línea Directa you pay
€1,380
They pay you back €1,000
€1,000 annual limit for accident costs.
With Petplan you save €1,335 on this bill.
One illness or accident, outside the waiting period and within the annual limit. Línea Directa: Completo + Plan veterinario policy, which requires a prior consultation with their tele-vet service before going to the clinic.
The 3 differences you will notice in your pocket
02
3 times the limit for accidents
Petplan covers up to €3,100 a year. Línea Directa, up to €1,000, and it excludes poisoning.
03
No hoops to jump through before the vet
With Petplan you go to your clinic and can claim up to a year later. Línea Directa requires a prior consultation with its tele-vet service (unless your pet's life is at risk) and notice within 7 days.
Petplan vs Línea Directa: full comparison table
| Cover | Petplan | Línea Directa |
|---|---|---|
| Price per yearYorkshire terrier under 1 year old, October 2026 | €279€6.67 more a month and covers illnessOptional third-party liability: +€25 a year | €199Completo + Plan veterinario, with third-party liability. Accident only, up to €1,000 |
| Vet costs for illness | 100% minus a €45 excess | Not covered. With the Plan veterinario, free consultations and vaccines only within their network of just 582 clinics (as of 13/10/2026), only 8 in every 100 clinics in Spain; no medicines or implants |
| Vet costs for accidents | 100% minus a €45 excess | Up to €1,000 a year |
| Annual limit | €3,100 | €1,000 (accidents only) |
| Poisoning and diseases from bites or stings | Not excluded | Excluded |
| Choice of vet | Any vet you like | Any vet for accidents; Plan veterinario only within their network of just 582 clinics (as of 13/10/2026), only 8 in every 100 clinics in Spain |
| Before going to the vet | You don't have to do anything | Compulsory prior consultation with their tele-vet service (unless your pet's life is at risk) |
| Time limit to report a claim | 1 year | 7 days |
| Waiting periods | 15 days for accidents · 30 days for illness (first year only) | 30 days. 3 months for death from an accident; 6 months for euthanasia due to illness |
| Price at renewal | No increase for the claims you make | The premium takes your claims history into account |
| Third-party liability | Optional: +€25 a year, up to €300,000 | Compulsorily included (note: some home insurance policies already include it) |
| Legal defence | Included with the third-party liability option | Included |
| Death | From illness or accident, up to €600 | From accident only, up to €1,000 with an invoice (€300 without one) |
| Theft | With violence, up to €600 | Up to €1,000 with an invoice (€300 without one) |
| Boarding if you are taken into hospital | Up to €600 a year | Up to €300 a year |
| Vet care abroad | Up to 90 days a year in the EU and other European countries | Spain only |
| Age to take out a policy | From 2 months to 7 years | From 3 months to 15 years with the Plan veterinario (9 without it) |
| Species | Dogs, cats and rabbits | Dogs and cats |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Línea Directa, €1,380.
Ear infection, dermatitis or diarrhoea
These are illnesses. Petplan pays for them; Línea Directa does not pay for the treatment.
Your pet eats something toxic
Línea Directa excludes poisoning. With Petplan, it's reimbursed like any other accident.
An emergency on a Sunday
With Petplan you go straight to your vet. With Línea Directa you must call their tele-vet service first, unless your pet's life is at risk.
When might Línea Directa suit you?
So you can decide with all the facts:
- If what you mainly want is third-party liability at a good price.
- If your pet is between 7 and 15 years old: Petplan does not accept new pets aged 7 or over.
- If you don't mind the price compulsorily including cover for consultations and vaccines, and you don't mind having to use a limited network of clinics, choose Línea Directa. If you'd rather pay for vaccine cover only when you want it and stay with the vet you've always used, choose Petplan.
If what worries you is your pet falling ill or having an expensive accident, Línea Directa won't cover that bill. Petplan will.
Frequently asked questions
Does Línea Directa pet insurance cover illness?
It does not pay for treatment for illness. Its vet cover is for accidents only, up to €1,000 a year. The Plan veterinario option includes free consultations and vaccines within its clinic network, but excludes medicines, implants and external laboratory tests.
How much would I pay for a broken leg with each insurer?
On a real €2,380 bill, with Petplan you pay a €45 excess. With Línea Directa the accident limit is €1,000 a year, so you would pay €1,380.
Does Línea Directa cover poisoning?
No. Its conditions exclude poisoning and diseases transmitted by bites or stings from insects, mites, rodents or other mammals.
Do I have to do anything before going to the vet?
With Línea Directa you must first consult their tele-vet service, unless your pet's life is at risk; otherwise the cost may not be covered. With Petplan you go straight to your vet.
How long do I have to report a claim?
One year from the treatment with Petplan, and 7 days from when you become aware of it with Línea Directa.
How much does each policy cost?
For a Yorkshire terrier under 1 year old (October 2026), Petplan costs €279 a year and Línea Directa Completo + Plan veterinario €199 a year, paid annually. The difference is €6.67 a month, and Petplan covers illness while Línea Directa does not. Third-party liability is included with Línea Directa and optional with Petplan for €25 a year.
Will my price go up if I claim?
Petplan does not raise your price because of the claims you make. Línea Directa calculates each year's premium taking your claims history into account.
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. For Línea Directa we used its most complete option, Completo + Plan veterinario. We review this page every quarter or whenever the conditions change. The official documents are in Spanish.
Línea Directa 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.
Protect your pet when they fall ill, too
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