01
Real limits, not token ones
Petplan covers up to €3,100 a year for illness and accidents. Santalucía pays up to €1,000 a year for illness and, for an accident, half of your pet's value: €300 for a €600 Yorkshire.
Pet insurance comparison 2026 · Spain
Petplan or Santalucía: which pet insurance pays you back more?
We compare Santalucía's pet insurance, with all its optional covers, with Petplan: price, limits, exclusions 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.
Santalucía
You pay
€2,080
They pay you back €300
Accident vet cover is limited to 50% of the pet's declared value (€300 for €600; €750 at most).
How much would you pay on a vet bill?
Choose a case. Calculated with each policy's reimbursement and limits.
Real case: broken leg after an accident, with surgery, plate and hospital stay.
With Petplan you pay
€45
We pay you back €2,335
With Santalucía you pay
€2,080
They pay you back €300
With Petplan you save €2,035 on this bill.
Outside the waiting period and within the first year. Petplan: 100% minus a €45 excess, up to €3,100 a year. Santalucía: illness up to €1,000 a year, without follow-up medication; accidents up to 50% of the pet's value (€300 for €600).
The 3 differences you will notice in your pocket
02
Medication and long treatments
Santalucía excludes the medication of follow-up visits and only covers a condition for the first 12 months after it is detected. Petplan covers prescribed medication.
03
Breed conditions and behaviour
Santalucía excludes congenital conditions and behavioural problems. Petplan covers breed-related conditions and behavioural problems, and gives you 12 months to report a claim instead of 7 days.
Petplan vs Santalucía: full comparison table
| Cover | Petplan | Santalucía |
|---|---|---|
| Price per yearYorkshire Terrier under 1 year old | €279Up to €3,100 of vet cover | €234.69 |
| Vet costs for illness | 100%, minus a €45 excess | Up to €1,000 a year |
| Vet costs for an accident | 100%, minus a €45 excess | Up to 50% of the pet's declared value (€300 for €600; €750 at most) |
| Annual limit | €3,100 | €1,000 for illness; accidents as above |
| Medication | Prescribed medication covered | Only injectables at the first visit and during an operation; follow-up medication excluded |
| Long-term conditions | Covered within the annual limit | Only for the first 12 months after detection |
| Breed-related and congenital conditions | Breed-related conditions covered | Congenital conditions excluded, including tests and consultations |
| Behavioural problems | Covered | Excluded |
| Waiting periods | 15 days for accidents · 30 days for illness | 15 days for accidents · 30 days for illness · 6 months for euthanasia and end-of-life costs |
| Time limit to report a claim | 12 months | 7 days |
| Renewal | No increase for claims | Claims costs reviewed every year and passed on to the premium |
| Death or theft | Up to €600 for death from illness or accident; up to €600 for theft | Accidental death: the pet's value (€600); theft: 80% of the value (€480) |
| Euthanasia, burial or cremation | Up to €200 | Euthanasia up to €180; burial or cremation up to €360 |
| Third-party liability | Optional: +€25 a year, up to €300,000. You only pay for it if you need it | Compulsory: €300,000, built into the price, even though many home insurance policies already include it |
| 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) | Santa Lucía, S.A., a general insurer that sells home, life, funeral, health and savings insurance |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Santalucía, €2,080.
Surgery for an illness
A €1,500 operation: with Petplan you pay €45; with Santalucía, €500, because its illness cover stops at €1,000 a year.
Treatment at home
After a visit, your vet prescribes tablets to give at home. Santalucía doesn't cover follow-up medication; Petplan does.
A long-term condition
Santalucía only covers a condition for 12 months after it is detected. After that, the cost is yours.
When might Santalucía suit you?
So you can decide with all the facts:
- If you need third-party liability for your dog and your home insurance does not include it.
- If you want cover for accidental death, theft or loss adverts based on your pet's value.
- If you only want help with small vet bills and already have other Santalucía policies.
If you want your vet bills really covered, with medication, breed-related conditions and up to €3,100 a year, Petplan protects you better.
Frequently asked questions
Which insurer pays back more, Petplan or Santalucía?
Petplan reimburses 100% of your vet bill with a fixed €45 excess per illness or accident, up to €3,100 a year. Santalucía pays vet costs for illness up to €1,000 a year and, for an accident, up to 50% of your pet's declared value: €300 if it is worth €600, and €750 at most.
How much does each policy cost?
For a Yorkshire Terrier under 1 year old (15 October 2026), Petplan costs €279 a year. Santalucía, with all its optional covers, costs €234.69 a year, but it makes you pay for €300,000 of third-party liability that many home insurance policies already include. With Petplan, third-party liability is optional: you only pay for it if you need it.
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 Santalucía you pay €2,080: its vet cover for accidents is limited to €300 for a Yorkshire valued at €600.
Does Santalucía cover medication?
Only the injectable treatment given at the first visit after diagnosis and during an operation, until your pet leaves the clinic. It excludes drugs given at follow-up visits.
What happens if my dog has a chronic illness?
Santalucía's conditions only cover the treatment of an accident or illness during the first 12 months after it is detected.
Does Santalucía cover congenital conditions?
No. Its conditions exclude costs for congenital diseases or abnormalities, including consultations, tests and lab work. Petplan covers breed-related conditions.
Does Santalucía cover behavioural problems?
No. It excludes behavioural disorders from any cause, such as aggression. Petplan covers behavioural problems.
What waiting periods does each insurer have?
Petplan: 15 days for accidents and 30 days for illness. Santalucía: 15 days for accidents, 30 days for illness and 6 months for euthanasia and end-of-life costs.
How long do I have to report a claim?
12 months with Petplan and 7 days with Santalucía.
Can my premium go up?
Petplan does not raise your renewal price because you used your policy. Santalucía's conditions state that it reviews its claims costs every year and passes them on to the premium.
Can I insure my rabbit?
With Petplan, yes. Santalucía's pet insurance is for 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)
- Santalucía Pet Insurance IPID, General Conditions 2026 and quote of 15 October 2026 (Spanish)
Santalucía 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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