01
A fixed excess, not a percentage
With Petplan you pay €45 per illness or accident, even if you go back to the vet several times. With Musky you pay 20% of every bill: the bigger the bill, the more you pay.
Pet insurance comparison 2026 · Spain
Petplan or Musky: which pet insurance pays you back more when your pet is ill?
We compare cover, waiting periods, limits 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.
Musky
You pay
€476
They pay you back €1,904
80% reimbursement: you pay 20% of the bill.
How much would you pay on a vet bill?
Choose the amount of the bill. Calculated with each policy's reimbursement and annual limit.
Real case: broken leg with surgery, plate and hospital stay.
With Petplan you pay
€45
We pay you back €2,335
With Musky you pay
€476
They pay you back €1,904
With Petplan you save €431 on this bill.
One illness or accident, within the first year and outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. Musky: 80%, up to €3,000 a year.
The 3 differences you will notice in your pocket
02
Claiming doesn't push up your price
Petplan does not raise your renewal price because you have used the policy. Musky's general conditions state that the renewal premium takes your claims history into account.
03
More time and more protection
12 months to report a claim (Musky: 3), third-party liability up to €300,000 (Musky: €150,000) and boarding for your pet if you are taken into hospital.
Petplan vs Musky: full comparison table
| Cover | Petplan | Musky |
|---|---|---|
| Price per yearChihuahua under 1 year old, July 2026 | €294€116 less per year | €410 |
| Reimbursement | 100% | 80% |
| What you pay | A fixed €45 per illness or accident | 20% of every bill |
| Annual limit | €3,100 | €3,000 |
| Renewal after claiming | No increase for claims | Premium takes your claims history into account (General Conditions, clause 6) |
| Time limit to report a claim | 12 months | 3 months |
| Waiting periods | 15 days for accidents · 30 days for illness | 5 days for accidents · 25 days for illness. 6 months for hip and elbow dysplasia, cruciate ligament, luxating patella, epilepsy, behavioural disorders and atopy if your pet is over 6 months old when you take out the policy |
| Physiotherapy and complementary therapies | No limit on sessions | Up to 9 sessions a year |
| Out-of-hours emergencies | Covered | Only if your pet's life is at risk |
| Boarding if you are taken into hospital | Covered | Not covered |
| Loss or theft | Covered | Not covered (euthanasia is covered, at 80%) |
| Prevention | Vaccine reimbursement up to €90 a year (optional) | Annual check-up and vaccines compulsorily included in the price |
| Third-party liability (optional) | +€25 a year, up to €300,000 | +€35.69 a year, up to €150,000 only |
| 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 | Musky, a start-up launched by GCO Ventures less than 2 years ago (source: expansion.com) |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Musky, €476.
Torn cruciate ligament
If your dog was over 6 months old when you took out the policy, Musky won't cover it for 6 months. With Petplan, you're covered after 30 days.
Long-term treatment
With an ongoing condition you go back to the vet many times. With Petplan, one excess per condition; with Musky, 20% of every visit.
You are taken into hospital
Petplan covers boarding for your pet while you are in hospital. Musky doesn't.
When might Musky suit you?
So you can decide with all the facts:
- If you want shorter waiting periods for accidents: 5 days instead of 15.
- If you'd like vaccine cover as an option, choose Petplan. If you don't mind the price compulsorily including both vaccines and the annual check-up, even if your vet's own plan already covers them, choose Musky.
- If you only expect small bills: below €225, 20% is less than €45.
If what worries you is big bills, long illnesses or your price going up after a claim, Petplan protects you better.
Frequently asked questions
Which insurer pays back more, Petplan or Musky?
Petplan reimburses 100% with a €45 excess per illness or accident; Musky, 80%. On any bill over €225, Petplan pays you back more.
Does Musky cover a torn cruciate ligament?
Yes, but if your pet is over 6 months old when you take out the policy, there is a 6-month waiting period. Petplan covers it after 30 days.
Will my price go up if I claim?
Not with Petplan: your renewal price does not go up because of claims. Musky's general conditions state that the renewal premium takes your claims into account.
How long do I have to claim for a vet bill?
12 months with Petplan and 3 months with Musky.
Can I insure my rabbit?
With Petplan, yes. Musky only insures dogs and cats.
Can I keep my own vet?
Yes. With Petplan you can use any vet you like, with no closed lists.
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.
Musky 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 with 100% reimbursement
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