01
100% back, not 90% minus an excess
With Petplan you get 100% of the bill back, minus a fixed €45 per condition. With SantéVet Premium you pay 10% of every bill, plus a €70 annual excess. On Light and Confort, you pay 50% or 30% of every bill.
Pet insurance comparison 2026 · Spain
Petplan or SantéVet: which pet insurance pays you back more?
We compare SantéVet's top option, Premium, with Petplan: price, cover, 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.
SantéVet Premium
You pay
€308
They pay you back €2,072
90% of the bill (€2,142) minus the €70 annual excess.
How much would you pay on a vet bill?
Choose the amount of the bill. Calculated with each policy's reimbursement, excess 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 SantéVet you pay
€308
They pay you back €2,072
With Petplan you save €263 on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. SantéVet Premium: 90% minus the €70 annual excess (once a year), up to €5,000 a year.
The 3 differences you will notice in your pocket
02
Less than half the price, no extra fees
€279 a year with Petplan versus €639 with SantéVet Premium for the same puppy. SantéVet also charges €11.90 to sign up and €1 a month in admin fees from the second renewal.
03
Breed conditions covered, and older dogs welcome
Petplan covers breed-related conditions such as hip dysplasia or a luxating patella; SantéVet excludes them. And with SantéVet most dogs can only join before they turn 5.
Petplan vs SantéVet: full comparison table
| Cover | Petplan | SantéVet Premium |
|---|---|---|
| Price per yearYorkshire Terrier under 6 months old, July 2026 | €279€360 less per year | €639 |
| Reimbursement | 100% | 90% (50% on Light, 70% on Confort) |
| What you pay | A fixed €45 per illness or accident | 10% of every bill, plus a €70 annual excess |
| Annual limit | €3,100 | €5,000 (€2,000 on Light, €3,500 on Confort) |
| Extra fees | None | €11.90 sign-up fee on the first payment; €1 a month admin fee from the second renewal |
| Breed-related conditions | Covered | Excluded: hip dysplasia, elbow abnormalities, luxating patella, entropion and ectropion, among others |
| Waiting periods | 15 days for accidents · 30 days for illness | 7 days for accidents · 45 days for illness · 6 months for surgery due to illness and for cruciate ligament rupture |
| Age to join (dogs) | From 2 months to 7 years | From 2 months to under 5 years; up to 7 only for some breeds |
| Death or theft | Up to €600 for death from illness or accident; up to €600 for theft | Not included |
| Euthanasia and remains | Up to €200 | Post-mortem and cremation costs excluded |
| Boarding if you are taken into hospital | Up to €600 | Not included |
| Renewal after claiming | No increase for claims | The insurer can raise the premium at every annual renewal |
| Time limit to report a claim | 12 months | 7 days |
| How to claim | Online, from your phone or computer | Claim form signed by you and dated, stamped and signed by your vet |
| Where you are covered | European Union and United Kingdom | Spain, and trips abroad of less than 3 months |
| Vaccines and prevention | €90 a year for vaccines | Up to €90 a year (Premium), as a separate service provided by Vetassur |
| Third-party liability | Optional: +€25 a year, up to €300,000 | Optional, up to €200,000 |
| 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) | SantéVet, a broker; risk underwritten by AXA France IARD (France) |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with SantéVet Premium, €308.
Hip dysplasia
Common in breeds such as Labradors, German Shepherds or Golden Retrievers. SantéVet excludes it. Petplan covers breed-related conditions.
Your dog is turning 5
With SantéVet, most breeds can no longer take out a policy from the age of 5. With Petplan, dogs can join up to the age of 7.
Your dog needs a lot of care
Petplan does not raise your renewal price because you claimed. SantéVet's insurer can raise the premium at every renewal.
When might SantéVet suit you?
So you can decide with all the facts:
- If you want a higher annual limit: SantéVet Premium covers up to €5,000 a year, compared with Petplan's €3,100.
- If you want a shorter waiting period for accidents: 7 days, compared with Petplan's 15.
- If you want a prevention allowance that can also go towards neutering, a microchip or dental cleaning.
If you want 100% back on every bill, a lower price with no extra fees, and breed-related conditions covered, Petplan protects you better.
Frequently asked questions
Which insurer pays back more, Petplan or SantéVet?
Petplan reimburses 100% of your vet bill with a fixed €45 excess per illness or accident, up to €3,100 a year. SantéVet reimburses 50%, 70% or 90% depending on the option (Light, Confort or Premium) and deducts an annual excess of €20, €50 or €70.
How much does each policy cost?
For a Yorkshire Terrier under 6 months old (July 2026), Petplan costs €279 a year and SantéVet Premium costs €639 a year: €360 more. SantéVet also charges a €11.90 sign-up fee on the first payment and a €1 monthly admin fee from the second renewal.
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 SantéVet Premium you pay €308: it reimburses 90% (€2,142) and then deducts its €70 annual excess.
Does SantéVet cover hip dysplasia or a luxating patella?
No. Its general conditions exclude congenital and hereditary conditions, and expressly list hip dysplasia, elbow abnormalities, luxating patella, entropion and ectropion. Petplan covers breed-related conditions.
Up to what age can I insure my dog with SantéVet?
According to its conditions, from 2 months until just before 5 years old for all breeds, and up to 7 years only for some breeds.
What waiting periods does each insurer have?
Petplan: 15 days for accidents and 30 days for illness. SantéVet: 7 days for accidents, 45 days for illness, and 6 months for surgery due to illness and for cruciate ligament rupture.
Does SantéVet cover death, theft or cremation?
No. Its conditions exclude post-mortem and cremation costs, and it does not pay out for death or theft. Petplan pays up to €600 for death from illness or accident, up to €600 for theft, and up to €200 for euthanasia and disposal of remains.
Can my premium go up because I claimed?
Petplan does not raise your renewal price because you used your policy, and says so in its IPID. SantéVet's conditions allow the insurer to raise the premium at every annual renewal.
How long do I have to report a claim?
12 months with Petplan and 7 days with SantéVet.
Who underwrites SantéVet?
SantéVet is a broker. Its policy is underwritten by AXA France IARD. The prevention allowance is not part of the insurance: it is a complementary service provided by Vetassur.
Can I insure my rabbit?
With Petplan, yes. SantéVet 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)
- SantéVet Premium IPID (01-05-2026) and General Conditions (01-02-2026), underwritten by AXA France IARD (Spanish)
- SantéVet Information Note, 01-05-2026 (PDF, Spanish)
SantéVet 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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