01
100% with no extra steps
Petplan pays back 100% of every bill minus €45, straight from your vet. Petolo only reaches 100% if you first have its online consultation; otherwise, 80%.
Pet insurance comparison 2026 · Spain
Petplan or Petolo: which one pays you back more?
We compare Petolo on its most complete plan, Premium Plus, against Petplan: price, what each one pays, 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.
Petolo Premium Plus
You pay
€476
They pay you back €1,904
80% reimbursement if you go straight to your vet; 100% only after its online consultation and referral.
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 Petolo 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. Petolo Premium Plus: 80% if you go straight to your vet, up to €5,000 a year; 100% only after its online consultation and referral.
The 3 differences you will notice in your pocket
02
A price that grows with your dog
Petolo charges by age band: €466.80 a year up to age 3, €694.80 from 3 and €910.80 from 6, and can recalculate premiums every year. Petplan does not raise your price because you claim.
03
Limits that add up
Petolo caps congenital conditions at €1,500 each and puts boarding, euthanasia, behaviour and search costs into one €240 yearly SOS budget. Petplan pays up to €600 for boarding and covers behaviour and breed-related conditions.
Petolo is German: head office, insurer and regulator are all in Germany
Before you buy, it is worth knowing who you are dealing with and where to complain.
- 🇩🇪 Petolo is a brand of getolo GmbH, a German company in the Zurich group, based at Chausseestraße 123, Berlin.
- 🏢 The policy is issued by DA Direkt (DA Deutsche Allgemeine Versicherung AG), a German insurer based in Frankfurt.
- 🏛️ The insurer is supervised by the German regulator, BaFin, and operates in Spain under the freedom to provide services.
- 📍 Its "address in Spain", Calle Velázquez 50, 5th floor, Madrid, is the address of Venture X, a flexible office centre.
- 📮 Complaints by post go to a PO box in Berlin.
Its own conditions state that Spanish rules on the winding-up of insurance companies do not apply. Petplan Ibérica is a Spanish broker, and the risk is underwritten by the Spanish insurer Telefónica Seguros.
Sources: Petolo legal notice, DA Direkt General Conditions ("Legal information" and section 16) and Venture X España listing (Calle de Velázquez 50, 5º).
Petplan vs Petolo: full comparison table
| Cover | Petplan | Petolo Premium Plus |
|---|---|---|
| Price per yearChihuahua. Petplan: under 1, 21 October 2026. Petolo: under 3, June 2026 | €294Pays back 100% | €466.80€694.80 from age 3, €910.80 from age 6 |
| Vet bills reimbursed | 100%, minus a €45 excess per illness or accident | 80% if you go straight to your vet; 100% only after its online consultation and referral |
| Annual limit | €3,100 | €5,000, including prevention and SOS budgets |
| Choice of vet | Any vet | Any vet |
| Congenital and breed-related conditions | Breed-related conditions covered | Up to €1,500 per congenital condition |
| Behavioural problems | Covered | Only therapy after a traumatic event, within the €240 SOS budget |
| Death and theft | Up to €600 each | Not covered |
| Euthanasia | Up to €200, including cremation | Within the €240 SOS budget |
| Boarding if you are hospitalised | Up to €600 | Within the €240 SOS budget |
| Price changes | Does not go up because you claim | Rises by age band and can be recalculated every year |
| Species | Dogs, cats and rabbits | Dogs and cats |
| Who provides it | Petplan, a pet specialist with more than 25 million pets insured since 1976; risk underwritten by Telefónica Seguros (Spain) | Petolo (getolo GmbH, Zurich group), with more than 150,000 pets insured in Europe; policy issued by the German insurer DA Direkt |
What happens in the most common situations
An emergency: you rush to the vet
Petplan: 100% minus €45. Petolo: 80%, because you did not have its online consultation first.
Hip dysplasia
Petplan covers breed-related conditions. Petolo pays at most €1,500 per congenital condition.
Your dog turns 6
Petolo moves to €75.90 a month, €910.80 a year. Petplan does not raise your price because you claim.
You go into hospital
Petplan pays up to €600 for boarding. With Petolo it comes out of a €240 yearly SOS budget for everything.
When might Petolo suit you?
So you can decide with all the facts:
- If the price of the policy does not matter to you and you want a higher annual limit (€5,000, against Petplan's €3,100).
- If you want cover from day one: Petolo has no waiting periods.
If you want 100% of every bill back straight from your vet, at a price that does not rise because you claim, Petplan is the simpler choice.
Thermometer for your vet
What happens to your usual vet if you choose Petolo?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. Petolo reimburses at any vet clinic, although 100% only if you first use its online vet consultation.
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
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 Petolo 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, however you get to the vet. Petolo Premium Plus pays back 80% if you go straight to your vet, and 100% only if you first have an online consultation with its doctorpet service and are referred to the clinic, up to €5,000 a year.
How much does each policy cost?
Petolo Premium Plus costs €38.90 a month (€466.80 a year) for a dog under 3, according to its June 2026 policy for a Chihuahua. Petplan costs €294 a year for a Chihuahua under 1 year old (21 October 2026).
Does Petolo's price go up with age?
Yes. Its policy sets three age bands: €38.90 a month up to age 3, €57.90 from 3 to 6, and €75.90 from age 6: €910.80 a year. Its conditions also allow it to recalculate premiums every year based on claims and costs. Petplan does not raise your price because you claim.
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 Petolo, if you go straight to your vet, it pays back 80% and you pay €476. Only if you first have the online consultation and are referred does it pay back 100%.
Does Petolo cover hip dysplasia and congenital conditions?
Yes, but with a limit of €1,500 per congenital condition, and at 80% unless you have the online consultation first. Petplan covers breed-related conditions within its €3,100 annual limit.
Does Petolo cover behavioural problems?
Only behavioural therapy prescribed by a vet after a traumatic event, and within its €240 yearly SOS budget, which also has to pay for boarding, emergency transport, search costs and euthanasia. Petplan covers behavioural problems.
What happens if my dog dies or is stolen?
Petolo does not pay anything for death or theft; its €240 yearly SOS budget covers euthanasia and search costs. Petplan pays up to €600 for death, up to €600 for theft and up to €200 for euthanasia and cremation.
What if I have to go into hospital?
Petplan pays up to €600 for your dog's boarding. With Petolo it comes out of the same €240 yearly SOS budget.
Does Petolo cover leishmaniasis?
Only if your dog's vaccination is recorded in an international vaccination certificate. The same applies to distemper, parvovirus, kennel cough, giardiasis and other diseases listed in its conditions.
Who is behind each insurer?
Petplan has insured pets since 1976: more than 25 million pets insured; Petplan Ibérica is a Spanish broker and the risk is underwritten by the Spanish insurer Telefónica Seguros. Petolo is a brand of the German company getolo GmbH, based in Berlin and part of the Zurich group, with more than 150,000 dogs and cats insured in Europe according to its website. The policy is issued by the German insurer DA Direkt, based in Frankfurt and supervised by the German authority (BaFin), which operates in Spain under the freedom to provide services. The Spanish address in its legal notice, Calle Velázquez 50, 5th floor, Madrid, is that of a flexible office centre.
Can I insure my rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. Petolo insures 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
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)
- Petolo (DA Direkt) General Conditions, tariff sheet (version 01.04.2026) and a Premium Plus policy of June 2026, and the Petolo website (Spanish)
Petolo 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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