Cat insurance from just €7/month
Get up to 90% of your cat’s covered veterinary expenses reimbursed!
QUICK SUMMARY: WHAT DOES THIS INSURANCE INCLUDE?
Whether your cat lives indoors or goes outside, it can get ill or have an accident. With Miwuki you choose its licensed vet in Spain, pay the bill and get back up to 90% of covered costs, also on temporary trips within the European Union.
- What does it cover? Consultations, emergencies, diagnostic tests, surgery, medically necessary hospitalisation and prescribed medication, for illness or accident.
- How much does it cover? Up to 90% of covered vet costs, with an annual limit of up to €5,000 (depending on the plan).
- Where does it cover? At any licensed vet in Spain and on temporary trips within the European Union.
- How does it work? You choose the vet, pay the bill and claim online. Reimbursements are normally paid in 3-4 business days from when you send the invoice and the report.
- Who is it for? Cats over 2 months and under 10 years old at the time of purchase (the age in the health booklet), with a microchip or tattoo.
- Does it cover vaccines? Yes: up to €50, €70 or €90 a year for vaccines and deworming, depending on the plan, with a maximum of two reimbursements a year.
📊 View plan comparison
| Plan | Reimbursement | Annual limit | Preventive care |
|---|---|---|---|
| PROTECTOR | 50% | €2,000 / year | €50 / year |
| GUARDIAN | 70% | €3,500 / year | €70 / year |
| HERO | 90% | €5,000 / year | €90 / year |
*Amounts depend on plan and policy conditions.
WHY SHOULD I TAKE OUT INSURANCE?
A cat that stops eating, keeps vomiting or gets hurt in a fall may need tests or surgery: with insurance, those bills weigh much less.
See these costs as text
Average veterinary costs in Spain
- Cruciate ligament rupture €1,354
- Bladder rupture €1,200
- Peritonitis €996
- Pyometra €952
- Foreign body ingestion €837
- Radius and ulna fracture €815
- Cystotomy €446
I encounter cases daily of owners who cannot help their pets because it is impossible for them to afford the surgeries and treatments they require. They are surprised when we give them the quote, since in human healthcare we don't know how much each thing costs. Simple operations usually cost between 1,000 and 1,500 euros (surgery, diagnostic imaging, anaesthesia, post-operative care, hospitalisation, medication...).
I would take out insurance without hesitation, having the peace of mind that you will be able to face any situation requiring veterinary assistance is priceless.
— Marina S. Echalecu – Veterinarian at Hospital Clínico Veterinario Córdoba
MODALITIES
«HERO», «GUARDIAN» and «PROTECTOR»
There are three plans for your cat: PROTECTOR, GUARDIAN and HERO.
With any of them, your cat is covered for illness and accidents, from a scheduled visit to an emergency, at the licensed vet you choose in Spain and if it travels with you temporarily within the European Union.
🏥 Vet visits, emergencies and hospitalisation
If your cat gets ill or has an accident, the insurance reimburses the vet visit, including emergency visits, and hospitalisation when it is medically necessary, at your plan's percentage.
💊 Surgery, anaesthesia and medication
If your cat needs an operation because of an illness or an accident, the surgery, the anaesthesia and the medication prescribed by the vet are included.
🔬 Diagnostic tests (blood work, X-rays…)
Laboratory tests, X-rays and the other tests your vet asks for to find out what is wrong with your cat after an illness or an accident.
💉 Prevention: vaccines and deworming
Up to €50, €70 or €90 a year depending on the plan, with a maximum of two reimbursements a year.
😁 Therapeutic dental cleaning (after 2 years insured, once a year)
Therapeutic dental cleaning (scaling) is reimbursed after 2 years insured, once a year.
“All plans include the same coverages. What changes is the reimbursement percentage, the annual limit and the preventive care amount.”
Which one suits your cat? 👇
*more information in the FAQ
🐾 PROTECTOR 🐾
From €7 / month
🛡️ Essential protection- 💊 50% reimbursement
- 💰 €2,000 per year
- 💉 Up to €50 a year for vaccines and deworming
🛡️ GUARDIAN 🛡️
From €15 / month
🔥 Recommended- 💊 70% reimbursement
- 💰 €3,500 per year
- 💉 Up to €70 a year for vaccines and deworming
🦸 HERO 🦸
From €25 / month
💎 Maximum protection- 💊 90% reimbursement
- 💰 €5,000 per year
- 💉 Up to €90 a year for vaccines and deworming
*Minimum guide price. The exact price depends on your cat and is calculated when you get a quote.
Check the waiting periods and exclusions in the FAQ, and all the conditions in the general conditions (in Spanish).
OUR CUSTOMERS' REVIEWS
WANT MORE INFORMATION?
Everything you need to know about the pet insurance
Featured FAQs
What does Miwuki cat insurance cover?
✅ If your cat gets ill or has an accident, the insurance reimburses the vet visit (emergency visits too), the diagnostic tests your vet asks for, surgery, hospitalisation when it is medically necessary and prescribed medication, depending on your plan and the conditions.
📌 The percentage you get back and the annual limit depend on the plan you choose.
Is it worth it if my cat never goes outside?
✅ Yes. An indoor cat can also get ill or hurt at home, and the insurance covers it in the same way for illness and accidents, whether it goes outside or not.
📌 With the HERO plan you get back 90% of covered vet costs, up to €5,000 a year.
Which plan should I choose for my cat?
✅ All three cover the same things; what changes is how much of each bill you get back and the annual limit:
🐾 PROTECTOR: 50%, up to €2,000 a year and up to €50 a year for vaccines and deworming.
🛡️ GUARDIAN: 70%, up to €3,500 a year and up to €70 for preventive care.
🦸 HERO: 90%, up to €5,000 a year and up to €90 for preventive care.
Can I insure an adult cat?
✅ Yes, if it is over 2 months and under 10 years old when you take out the insurance. The age in its health booklet is the one that counts.
Does my cat need a microchip even if it stays indoors?
✅ Yes. To take out the insurance, every cat must be identified with a microchip or tattoo, as stated in the policy, including cats that always live indoors.
Does it cover my cat's dental cleaning?
✅ Yes: therapeutic dental cleaning (scaling) is reimbursed after 2 years insured, once a year.
How much does it cost to insure my cat?
✅ From €7/month with the PROTECTOR plan, from €15/month with GUARDIAN and from €25/month with HERO, with an annual contract.
📌 These are minimum guide prices: the exact price depends on your cat and is calculated when you get a quote.
Can I keep going to my usual vet?
✅ Yes, as long as it is a licensed vet in Spain. There is no closed network of clinics, so your cat can stay with the vet it already knows.
Are my cat's vaccines and deworming reimbursed?
✅ Yes, up to €50, €70 or €90 a year depending on your plan (Protector, Guardian or Hero), with a maximum of two reimbursements a year.
When do I get my money back?
✅ You claim online and reimbursements are normally paid in 3-4 business days from when you send the invoice and the vet's report, if the documentation is correct and complete.
What does my cat's vet need to fill in?
✅ You need the invoice and either the vet's report or our reimbursement form. You and the vet fill in the form together, and the vet signs and stamps both documents; if a signature or stamp is missing, we will ask you for the signed and stamped document.
📌 The invoice must show your cat's name and microchip and itemised concepts.
Can I cancel if I change my mind?
✅ Within 15 days of the policy being issued you can request its cancellation in writing, and we refund the premium you paid, minus the part for the days already covered.
📌 After that, the policy lasts one year. If you don't want to renew it, let us know in writing at least 1 month before it expires.
Still deciding?
Work out what it would cost to insure your cat and take all the time you need.
💙 INSURE YOUR PET AND SAVE LIVES
When you take out Miwuki insurance you protect your pet and help many more. Part of each policy goes to support shelters, rescues and solidarity actions.
66,143
adoptions recorded on Miwuki (data as of 22 October 2026)
+1 million
kg of food donated to shelters
«Thank you so much for creating this fantastic adoption platform. Without a doubt, our best adoptions have been achieved through Miwuki. Thank you for this huge help that gives visibility to all our pets looking for a home.» — Hopeland Association
🐾 Take out your insurance and save lives.
Want to see how we help homeless pets?
DO YOU OWN A CLINIC OR ARE YOU AN INFLUENCER?
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Vets
Earn €20 in Amazon gift cards for each client who buys the insurance through your clinic.
Influencers & Creators
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