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100% at your own vet
Petplan pays back 100% of every bill minus €45, at any vet. Milo only pays 100% at its 587 partner clinics; at your usual vet you pay 20% of every bill.
Pet insurance comparison 2026 · Spain
Petplan or Milo: which one pays you back more at your own vet?
We compare Milo against Petplan: price, what each one pays at your usual vet, and what you pay out of your own pocket.
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.
Milo
You pay
€476
They pay you back €1,904
80% reimbursement at your usual vet, outside its network, up to €3,000 a year.
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 Milo you pay
€476
They pay you back €1,904
With Petplan you pay €431 less on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. Milo: 80% at a vet outside its network, up to €3,000 a year.
The 3 differences you will notice in your pocket
02
Congenital conditions, behaviour and physiotherapy
Milo excludes congenital conditions, brachycephalic syndrome, behaviour and physiotherapy. Petplan covers them, if they are not pre-existing.
03
Half the cover abroad
Milo drops your annual limit from €3,000 to €1,500 when you travel abroad, at 80%. With Petplan, travelling does not change anything: the same 100% and the same €3,100.
Petplan vs Milo: full comparison table
| Cover | Petplan | Milo |
|---|---|---|
| Price per yearYorkshire Terrier under 1 year old | €279Pays back 100% | €383.41 |
| Vet bills reimbursed | 100% at any vet, minus a €45 excess per illness or accident | 100% only at its 587 partner clinics; 80% anywhere else |
| Annual limit | €3,100 | €3,000; €1,500 abroad |
| Choice of vet | Any vet | Any vet, but 100% only in its network |
| Congenital conditions | Covered if not pre-existing | Excluded, as is brachycephalic syndrome |
| Behavioural problems | Covered | Not covered |
| Physiotherapy | Covered | Not covered |
| Waiting periods | 15 days for accidents, 30 days for illness | 9 days for accidents, 28 days for illness, 2 months for surgery after an illness, 6 months for cruciate ligament, dysplasia, luxating patella, allergic dermatitis, epilepsy, leishmaniasis, hernias or cataracts |
| Neutering for medical reasons | Covered when it is the essential treatment | Excluded for any reason |
| Death, loss or theft | Covered | Not covered |
| Boarding if you are hospitalised | Up to €600 | Not covered |
| Third-party liability | Optional: from €25 a year, up to €300,000 | Optional extra: €46.99 a year |
| Poisoning | Covered like any illness or accident | One claim per year |
| Species | Dogs, cats and rabbits | Dogs only |
| Who provides it | Petplan, a pet specialist with more than 25 million pets insured since 1976; risk underwritten by Telefónica Seguros (Spain) | Milo; risk underwritten by Europ Assistance |
What happens in the most common situations
A broken leg at your usual vet
Real case, €2,380 bill: with Petplan you pay €45; with Milo, outside its network, €476.
A French Bulldog with breathing problems
Milo excludes any treatment related to brachycephalic syndrome. Petplan covers it if it is not pre-existing.
A holiday with your dog
Milo cuts your limit to €1,500 a year, at 80%. With Petplan nothing changes: 100% and €3,100.
A testicular tumour
Milo excludes neutering for any reason. With Petplan, if neutering is the essential treatment, it is covered.
When might Milo suit you?
So you can decide with all the facts:
- If your usual vet is one of its 587 partner clinics, where it pays 100%.
- If you want cover for accidents sooner: Milo's waiting period for accidents is 9 days, against Petplan's 15.
If you want 100% of every bill back at any vet, the same cover abroad, and congenital and behavioural conditions covered, Petplan is the better choice.
Thermometer for your vet
What happens to your usual vet if you choose Milo?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. Milo pays 100% only at its 587 partner clinics; 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 Milo
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
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. Milo pays back 100% only at its 587 partner clinics, fewer than 9% of the roughly 7,000 vet clinics in Spain; anywhere else it pays 80%, up to €3,000 a year.
How much does each policy cost?
For a Yorkshire Terrier under 1 year old, Milo 100 costs €383.41 a year paid annually, and Petplan costs €279 a year (prices checked on 28 October 2026).
How much would I pay for a broken leg with each insurer?
On a real €2,380 bill at your usual vet, you pay a €45 excess with Petplan. With Milo, outside its network, it pays back 80% and you pay €476.
What happens if I travel abroad with my dog?
Milo halves your cover outside Spain: from €3,000 to €1,500 a year, at 80%, and only for trips of up to 3 months within Europe and Mediterranean countries. With Petplan, travelling does not change your cover: the same 100% and the same €3,100 annual limit.
Does Milo cover congenital conditions?
No. Milo excludes any congenital disease or anomaly (such as hemivertebrae, congenital luxating patella or congenital heart defects), and any treatment related to brachycephalic syndrome, which matters if you have a French Bulldog, English Bulldog, Pug or another brachycephalic breed. Petplan covers congenital and hereditary conditions that are not pre-existing.
Does Milo cover behaviour or physiotherapy?
No. Milo does not cover behavioural problems or physiotherapy. Petplan covers both.
What waiting periods does each insurer have?
Milo: 9 days for accidents, 28 days for illness and 2 months for surgery after an illness, but 6 months for very common conditions such as cruciate ligament rupture, hip or elbow dysplasia, luxating patella, allergic dermatitis, epilepsy, leishmaniasis, hernias or cataracts. Petplan: 15 days for accidents and 30 days for any illness.
Does Milo cover neutering?
No. Milo excludes neutering for any reason, even when it is needed because of an illness. With Petplan, if neutering is the essential treatment for an illness or injury, such as a testicular or ovarian tumour, it is covered.
What happens if my dog dies or is stolen?
Milo does not pay anything for death, loss or theft, and only covers euthanasia when it is medically necessary; it does not cover boarding if you are hospitalised. Petplan pays up to €600 for death, up to €600 for theft and up to €600 for boarding.
Can I insure my cat or rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. Milo only insures dogs.
Who is behind each insurer?
Petplan has insured pets since 1976: more than 25 million pets insured; the risk is underwritten by Telefónica Seguros. Milo is a digital broker with barely a year of activity (it completed its first year in September 2026), selling dog-only health insurance; the risk is underwritten by Europ Assistance.
Does Milo cover prostheses and implants?
No. Milo excludes prostheses, implants and artificial joints, except osteosynthesis implants (the plates and screws used to fix a fracture).
Does Milo cover poisoning?
Only once a year: Milo covers poisoning and intoxication up to a maximum of one claim per policy year. With Petplan, poisoning is covered like any other illness or accident, up to €3,100 a year.
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)
- Milo Pet conditions (2026), as summarised on our Spanish comparison page (Spanish)
Milo 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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