Pet insurance comparison 2026 · Spain
We compare cover, limits, exclusions and what you pay out of your own pocket, using the official documents of each insurer.
Updated · Sources
Vet bill
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.
Mapfre
You pay
€596
They pay you back €1,784
80% of the covered costs at your own vet. Take-home post-operative medication is not covered.
Choose the amount of the bill. Calculated with each policy's reimbursement and annual limit, using your own vet.
Real case: broken leg with surgery, plate and hospital stay. Mapfre does not cover the €150 of post-operative medication.
With Petplan you pay
€45
We pay you back €2,335
With Mapfre you pay
€596
They pay you back €1,784
With Petplan you save €551 on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. Mapfre Accident and Illness at your own vet: 80%, up to its maximum limit of €2,000 a year.
01
With Petplan you go to the vet you trust and get 100% back, minus a €45 excess. With Mapfre you only get 100% at its partner clinics: just 350 of the 7,050 vet clinics in Spain, about 5%. Anywhere else, you pay 20% of every bill.
02
Petplan covers up to €3,100 a year, including prescribed medication. Mapfre's top limit is €2,000 a year and it excludes the medication you take home after a visit or an operation.
03
Petplan covers breed-related conditions such as hip dysplasia or a luxating patella, and behavioural problems. Mapfre excludes them. And you have 12 months to report a claim, compared with Mapfre's 7 days.
| Cover | Petplan | Mapfre |
|---|---|---|
| Price per yearChihuahua under 6 months old, July 2026 | €294€153 less per year | €447 |
| Reimbursement at your own vet | 100% | 80% |
| Reimbursement at partner clinics | Not applicable: 100% at any vet | 100%, but only at its 350 partner clinics: about 5% of the 7,050 vet clinics in Spain |
| What you pay | A fixed €45 per illness or accident | 20% of every bill at your own vet |
| Annual limit | €3,100 | €500, €1,000 or €2,000, depending on the option chosen |
| Medication | Prescribed medication covered | Only injectable drugs at the first visit and during an operation; follow-up and take-home medication excluded |
| Breed-related conditions | Covered | Excluded: hip and elbow dysplasia, congenital luxating patella, elongated soft palate in flat-faced breeds, among others |
| Behavioural problems | Covered | Excluded |
| Physiotherapy | No limit on sessions | Not covered |
| Renewal after claiming | No increase for claims | Premium set each year according to Mapfre's current rates |
| Time limit to report a claim | 12 months | 7 days |
| Waiting periods | 15 days for accidents · 30 days for illness | 15 days · 1 year for euthanasia due to old age or illness |
| Age to take out vet cover | From 2 months to 7 years | From 3 months to under 7 years. Not accepted if your pet has been ill in the last year or has ever had an operation, unless Mapfre authorises it |
| Boarding if you are taken into hospital | Covered | Up to €350 a year |
| Death, loss or theft | Covered, up to €600 (theft with violence) | Accidental death and theft, up to €1,000 (value of a similar puppy); loss: advert costs only, up to €155 |
| Third-party liability | Optional: +€25 a year, up to €300,000 | Optional, with limits from €60,000 to €300,000 |
| Species | Dogs, cats and rabbits | Dogs and cats |
| Who provides it | Petplan, a pet specialist with more than 50 years' experience and 1.5 million pets insured; risk underwritten by Telefónica Seguros (Spain) | MAPFRE España, a general insurer that sells many types of insurance |
Real case, €2,380 bill at your own vet: with Petplan you pay €45; with Mapfre, €596.
Common in breeds such as Labradors, German Shepherds or Golden Retrievers. Mapfre excludes it. Petplan covers breed-related conditions.
After a visit or an operation, your vet prescribes medication to give at home. Mapfre doesn't cover it; Petplan does.
Mapfre's vet cover does not accept pets that have ever had surgery, unless it expressly authorises it. Ask before you sign up if your pet has been operated on, including neutering.
So you can decide with all the facts:
If you want to keep your own vet, have medication and breed-related conditions covered, and a higher annual limit, Petplan protects you better.
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. Mapfre pays 100% only at its partner clinics; at your own vet it reimburses 80%, with a maximum limit of €2,000 a year.
For a Chihuahua under 6 months old (July 2026), Petplan costs €294 a year and Mapfre's Accident and Illness cover with its top €2,000 limit costs €447 a year: €153 more.
On a real €2,380 bill, you pay a €45 excess with Petplan. With Mapfre and your own vet you pay €596: it reimburses 80% of the covered costs and does not cover the €150 of post-operative medication.
Yes, but then Mapfre reimburses 80%. You only get 100% at its 350 partner clinics, about 5% of the 7,050 vet clinics in Spain. With Petplan you get 100% at any vet.
Only injectable drugs given at the first visit and during an operation, until your pet leaves the clinic. Mapfre's conditions exclude medication from follow-up visits.
No. Mapfre's conditions exclude hip and elbow dysplasia, congenital luxating patella and the elongated soft palate of flat-faced breeds. Petplan covers breed-related conditions.
No. Mapfre's conditions exclude behavioural disorders from any cause, including aggression. Petplan covers behavioural problems.
According to its conditions, Mapfre's vet cover does not accept dogs or cats under 3 months or aged 7 or over. Nor does it accept pets that have been ill in the last year or have had an operation at any point in their life, unless Mapfre expressly authorises it.
12 months with Petplan and 7 days with Mapfre.
With Petplan, yes. Mapfre's pet policy is for dogs and cats.
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.
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Figures as of October 2026.
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.
Mapfre 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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fixed €45 excess