How to choose pet insurance in Spain

Pet insurance can be a lifesaver for both pet owners and their furry friends. As veterinary costs continue to rise, having a reliable pet insurance policy ensures that your pet receives the best possible care without breaking the bank. However, how to choose pet insurance in Spain that fits all of your pet’s unique needs requires careful consideration and thorough research. This article will delve into the key factors you need to evaluate when investigating pet insurance to ensure you make an informed decision. Or you can jump straight to Caser’s pet insurance options. 

Consider your pet's unique situation

The first step in choosing pet insurance in Spain is understanding the specific needs of your pet. Different breeds, ages, and health conditions can significantly influence the type of insurance required. For instance:

• Breed-Specific Conditions: Certain breeds are predisposed to specific health issues. For example, German Shepherds are prone to hip dysplasia, while Bulldogs often face respiratory problems. Research common health issues for your pet's breed and ensure that the insurance policy covers these conditions. In addition, the breed itself can be important as many policies have exclusions or higher costs for so-called “dangerous dog breeds”. 
  
  
• Age: Puppies and kittens often need different coverage than older pets. Young animals need to receive their microchip, are more prone to accidents and infectious diseases, and have a more rigorous vaccine schedule. Senior pets may require coverage for chronic conditions, age-related health problems, and end-of-life care.
  
  
• Pre-Existing Conditions: Most pet insurance policies do not cover pre-existing conditions. If your pet has an existing health issue, look for insurers that might offer limited coverage or consider alternative options such as wellness centers.

Consider possible costs of pet insurance

The cost of pet insurance is influenced by various factors, and understanding these can help you budget effectively:

• Premiums: The monthly or annual cost you pay for the policy. Factors such as your pet’s age, breed, and location can affect the premium. Shop around and compare premiums from different providers to find the best deal.
  
  
• Deductibles: The amount you must pay out-of-pocket before the insurance starts covering costs. Higher deductibles usually result in lower premiums and vice versa. Consider what deductible amount makes sense for your financial situation.
  
  
• Reimbursement Levels: This is the percentage of the veterinary bill that the insurance will cover after you have paid the deductible. Common reimbursement levels range from 70% to 90%. Higher reimbursement rates typically come with higher premiums.
  
  
• Coverage Limits: These are the maximum amounts the insurance will pay out per incident, per year, or over the pet’s lifetime. Ensure that the coverage limits are sufficient to cover potential high-cost treatments.

Consider policy details and networks

Reading the fine print is crucial when selecting a pet insurance policy. Pay attention to:

• Waiting Periods: Some policies have a waiting period before coverage begins. This can range from a few days to several weeks. Be aware of these periods, especially if your pet is prone to health issues.
  
  
• Exclusions: Carefully review what is not covered by the policy. Common exclusions include pre-existing conditions, elective procedures, and certain breed-specific conditions. Make sure you understand these exclusions to avoid unexpected out-of-pocket expenses.
  
  
• Claim Process: Understand how to file a claim and what documentation is required. A straightforward and efficient claim process can save you a lot of hassle during stressful times.
  
  
• Network of Veterinarians: Some insurance companies have a network of veterinarians, while others allow you to choose any licensed vet. Ensure that your preferred veterinarian is covered by the policy.

How to choose pet insurance with Caser

Caser proudly offers insurance coverage for your furry friend via the MIMAscota insurance plans in various coverage levels to best serve you and your pet. Currently, this coverage is only available for cats and dogs.

When choosing Caser MIMAscota insurance, you’ll have a network of more than 320 clinics in the network, plus knowing that your pet’s age and breed do not affect Fido’s ability to be covered. Caser’s most basic coverage plan, MIMAscota con Responsabilidad Civil, will set you up with mandatory civil responsibility insurance for only 3,90€ a month (that’s less than 50€ a year!). You get the following benefits:

• Civil liability of up to 350,000€ + legal defense in the case of damages incurred
• Tele veterinarian at any time, 24/7
• Online consultations with one of CaserVet’s professionals
• Coverage for all breeds and all ages
• Coverage throughout Spain
• The ability to add bespoke options according to your pet’s (and your wallet’s!) needs
  
  

If you’d like to keep vet bills under control, consider the MIMAscota Plan Salud or Plan Salud Premium. In addition to the benefits listed above, Plan Salud includes unlimited consultations and check-ups – including in emergency situations, plus coverage of rabies and tetravalent vaccines. This all-in-one plan is only 232€ a year and has no exclusions for breeds or for pre-existing conditions or health issues.

Finally, MIMAscota Plan Salud Premium also includes all universal vaccinations and a full, annual battery of check-ups and revisions for 330€ annually.

None of Caser’s range of benefits have a wait period, with the exception of remains incineration (3 months), so you can begin using your plan from Day 1!

You can calculate your MIMAscota insurance on Caser’s website and explore bundles with your annual Caser health, home or automotive insurance for additional savings. Should you have more than one pet, Caser offers discounts on each additional furry friend on your policy. So, if you’re going to protect your whole family, you should protect Toby, too!

If you have more than one pet, we also offer discounts for multiple pets. This can significantly reduce your overall insurance costs. Discover the pricing per pet on the Dog liability insurance - Caser MIMAscota page

How to choose the right pet insurance in Spain involves careful consideration of your pet's specific needs, the types of coverage available, cost factors, policy details, and additional benefits or exclusions. By taking the time to compare Caser's policies, you can find an insurance plan that provides peace of mind and ensures your beloved pet receives the best possible care. Remember, the goal of our pet insurance is to enture your pet lives a happy, healthy life, all while getting your the right price and coverages.