A clear, side-by-side look at the pet insurance plans available in Madrid — what they cover, the annual limits, the co-payment and the exclusions that matter. Pick up to three and compare them line by line.
Barkibu is Spain's top-rated pet-insurance specialist, offering a single simple policy that reimburses 80% of vet costs at any clinic, covers hereditary diseases (a notable edge over Santévet), and bundles €200,000 of civil liability plus unlimited vet video-consults. Enrolment is capped under age 11 and premiums start ~€20/month, with fast app-based reimbursement.
Annual limit
Owner selects their own annual limit (customisable); 80% reimbursement of eligible vet costs at any clinic; preventive-care bonus up to €100/year — CONFIRM selectable limit tiers on quote
Co-pay
Owner pays 20% (80% reimbursement)
Indicative premium
From ~€20/month (personalised by breed, sex and age)
Santévet offers a clear three-tier ladder (Light/Confort/Premium) reimbursing 50–90% of vet bills up to €5,000/year on the top plan, and is well regarded for covering complex surgeries with fast ~48h reimbursement. The main caveat is that hereditary diseases are excluded (where Barkibu covers them), and exact premiums are quote-only.
Annual limit
Progressive tiers reimbursing 50% → 70% → 90% of vet costs; top plan annual limit up to €5,000/year; preventive-care bonus up to €90/year — CONFIRM per-tier annual limits
Co-pay
Owner pays 50% / 30% / 10% depending on tier (Light / Confort / Premium)
Indicative premium
Not published on landing page — quote-only (contact +34 93 181 69 56 / info@santevet.es); CONFIRM
Caser's MIMAscota is a flexible, traditional-insurer option with the highest third-party liability in this set (€350,000), unlimited consultations, 24/7 vet telemedicine and — unusually — no age or breed surcharge. A low-cost RC-only tier (€3.97/month) covers the coming legal requirement, while the vet-assistance + RC modality (from €19.40/month) adds medical cover; exact reimbursement %/limits need confirming on the conditions.
Annual limit
Reimbursement of vet expenses within the assured sum (CONFIRM € annual limit and %); extras: guardería/home-care reimbursement up to €300, cremation/incineration up to €200
Co-pay
CONFIRM reimbursement % / franquicia on conditions
Indicative premium
RC-only from €3.97/month; Asistencia Veterinaria + RC from €19.40/month
Highest RC (€350k)
No age/breed surcharge
Unlimited consults + vaccines; 24/7 telemedicine
Exact reimbursement % / annual medical limit not clearly published
Mapfre, Spain's largest traditional insurer, offers a highly modular pet policy — from an RC/assistance-led basic tier up to a full medical "extended" plan reimbursing 80% of vet costs (free at 350+ partner clinics). Its civil liability applies immediately, nationally and internationally, and premiums start low (~€30/year for the basic tier), though the exact 2026 annual medical limits aren't published online.
Annual limit
80% reimbursement of vet expenses (up to the assured sum for that cover); free care at 350+ partner veterinary centres — CONFIRM the € annual limit on conditions (not published online for 2026)
Co-pay
Owner pays 20% at non-partner centres (80% reimbursement); free at partner network — CONFIRM
Indicative premium
From ~€30/year for the basic modality (comprehensive/RC/assistance) — CONFIRM; higher for full medical
The cheapest premium is rarely the best value. When comparing, look past the headline price at the parts that decide what you actually get back:
Annual limit — the most the plan pays per year. Higher limits matter for surgery and chronic illness.
Co-payment / co-insurance — the share of every bill you still pay. Often rises with your pet's age at enrolment.
Deductible / excess — a fixed amount deducted per claim or per year.
Exclusions — pre-existing, hereditary, dental and routine/preventive care are commonly excluded.
Waiting periods — illness cover usually starts weeks after you sign up.
Lifetime renewal — whether cover continues as your pet ages (crucial for older dogs).
Insuring a pet while young and healthy usually locks in lower co-payment and avoids pre-existing exclusions later. If your pet already has a condition, check exactly how each insurer treats it before buying.
Before you claim
Find a vet in Madrid
Most plans reimburse you after you pay the vet. Browse vets, 24-hour emergency clinics and pet services near you.
