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100% back, not 70% with caps
Petplan pays back 100% of every bill minus €45, up to €3,100 a year. Swipet pays 70%: you always pay 30% of every bill.
Pet insurance comparison 2026 · Spain
Petplan or Swipet: which one pays you back more?
We compare Swipet (Fidelidade Pets) with €3,000 cover 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.
Swipet
You pay
€714
They pay you back €1,666
70% reimbursement at most; more out of your pocket if it does not pay the medication.
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 Swipet you pay
€714
They pay you back €1,666
With Petplan you pay €669 less on this bill.
One illness or accident, outside the waiting period. Petplan: 100% minus a €45 excess, up to €3,100 a year. Swipet: 70%, up to €3,000 a year. We do not apply its sub-limits or the medication it does not pay in primary care, which could make you pay more.
The 3 differences you will notice in your pocket
02
Sub-limits and medication
Swipet only pays €750 a year for consultations, tests and follow-up, and in primary care it does not pay for medicines. Petplan has a single limit and covers prescribed medication.
03
Waiting periods for illness
Swipet makes you wait 60 days for illness and 90 days for surgery or hospital stays due to illness. With Petplan, 30 days.
Petplan vs Swipet: full comparison table
| Cover | Petplan | Swipet |
|---|---|---|
| Price per yearChihuahua with dental care, 28 October 2026 (Petplan: under 1 year old) | €294Pays back 100% | €471.54 |
| Vet bills reimbursed | 100%, minus a €45 excess per illness or accident | 70% |
| Annual limit | €3,100 | €3,000 |
| Sub-limits | None by type of cost | €750 for consultations, tests and follow-up; €2,250 for surgery, hospital stays and specialists |
| Medication | Prescribed medication covered | Cost of medicines excluded in primary care |
| Choice of vet | Any vet | Any vet |
| Behavioural problems | Covered | Psychiatric conditions excluded |
| Waiting periods | 15 days for accidents, 30 days for illness | No waiting period for accidents; 60 days for illness, 90 days for surgery or hospital stays due to illness |
| Third-party liability | Optional: from €25 a year, up to €300,000 | Optional: €42.59 a year for €300,000 |
| 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) | Swipet, an exclusive agency of Fidelidade (Fidelidade Pets) |
What happens in the most common situations
A broken leg
Real case, €2,380 bill: with Petplan you pay €45; with Swipet you pay at least €714.
Gastroenteritis with a hospital stay
€890 bill: with Petplan you pay €45; with Swipet €344, because it does not pay the medication.
Medication after a consultation
Petplan covers prescribed medication. Swipet does not pay for medicines in primary care.
A year with many consultations
Petplan: up to €3,100 a year, with no sub-limits. Swipet: at most €750 a year for consultations, tests and follow-up.
When might Swipet suit you?
So you can decide with all the facts:
- If prevention matters most to you: a free check-up every two years at its partner clinics, vaccines at 70% up to €100 (Petplan pays 100% up to €90, but as optional cover) and neutering at 70%.
- If you want accidents covered from day one: Swipet has no waiting period for accidents; Petplan, 15 days.
If you want 100% of every bill back when your dog is ill, medication included, and a lower price, Petplan is the better choice.
Thermometer for your vet
What happens to your usual vet if you choose Swipet?
There are more than 7,000 vet clinics in Spain. Some insurers only work with a few hundred of them. Swipet reimburses at any vet clinic, although only 70% and with sub-limits for each type of cost.
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 Swipet 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. Swipet pays back 70%, up to €3,000 a year, with sub-limits: €750 for consultations, tests and follow-up and €2,250 for surgery, hospital stays and specialists.
How much does each policy cost?
For a Chihuahua, Swipet costs €471.54 a year paid annually, with €3,000 cover and dental care, without third-party liability (quote of 28 October 2026). Petplan costs €294 a year for a Chihuahua under 1 year old (28 October 2026), also with dental care: less money and 100% back.
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 Swipet you pay at least €714: it pays back 70% at most, €1,666.
How much would I pay for gastroenteritis with a hospital stay?
On an example bill of €890, you pay €45 with Petplan. With Swipet you pay €344: it pays back 70%, and in primary care it does not pay the €110 of medication.
Does Swipet pay for medication?
In primary care (consultations, tests and follow-up), its product information document excludes the cost of medicines. Petplan covers medication prescribed by your vet.
Does Swipet have sub-limits?
Yes. With €3,000 cover, only €750 a year is for consultations, tests and follow-up, and €2,250 for surgery, hospital stays and specialists. Petplan has a single limit of €3,100 a year.
What waiting periods does each insurer have?
Swipet: 60 days for illness and 90 days for surgery or hospital stays due to illness; no waiting period for accidents. Petplan: 15 days for accidents and 30 days for illness.
How much does third-party liability cost?
With Swipet, €300,000 of third-party liability costs €42.59 a year more. With Petplan it is optional, from €25 a year and up to €300,000.
Can I insure my rabbit?
With Petplan, yes: we insure dogs, cats and rabbits. Swipet insures dogs and cats.
Who is behind each insurer?
Petplan has insured pets since 1976: more than 25 million pets insured. Swipet is an exclusive agency of Fidelidade: the policy is Fidelidade Pets, from Fidelidade, a Portuguese insurer founded in 1808.
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)
- Fidelidade Pets (distributed by Swipet) product information document, cover and limits, and a quote from the Swipet calculator of 28 October 2026 (Spanish)
Swipet 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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