PET INSURANCE

Dog insurance from just €7/month

Get up to 90% of your dog's covered vet costs back!

A vet listens to a dog's chest on the exam table while its owner strokes it
With your insurance you help keep free the adoption platform used by more than 1,200 shelters. 🐾
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QUICK SUMMARY: WHAT DOES THIS INSURANCE INCLUDE?

Made for your dog's everyday life: walks, the park and the odd unexpected emergency. You take your dog to any licensed vet in Spain, pay the bill and the insurance reimburses your plan's percentage of covered costs; and if you travel together temporarily within the European Union, your dog stays covered.

  • 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? Dogs aged 2 months to 7 years 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
Plans comparison (reimbursement, annual limit and preventive care)
Plan Reimbursement Annual limit Preventive care
PROTECTOR 50% €2,000 / year €50 / year
HERO 90% €5,000 / year €90 / year

*Amounts depend on plan and policy conditions.

WHY SHOULD I TAKE OUT INSURANCE?

1 in 3 dogs will need to visit the vet this year.
A single visit can cost more than €1,000.
From just €7/month, avoid scares and protect your dog.

An accident at the park, ligament surgery or an emergency in the middle of the night: with insurance, those bills weigh much less.

Average veterinary costs in Spain
Average veterinary costs in Spain (indicative estimates)
See these costs as text

Average veterinary costs in Spain

  • Cervical disc herniation €1,600
  • Cruciate ligament rupture €1,354
  • Bladder rupture €1,200
  • Gastric dilatation-volvulus €1,172
  • Peritonitis €996
  • Pyometra €952
  • Foreign body ingestion €837
  • Radius and ulna fracture €815
  • Cystotomy €446
Vet

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»

HERO, GUARDIAN and PROTECTOR protect your dog with the same coverages, at any licensed vet in Spain and on temporary trips within the European Union.

All three cover illnesses and accidents, whether it is an emergency after a walk or a scheduled visit.

✅ What all three plans include
🏥 Vet visits, emergencies and hospitalisation

If your dog 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 dog 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 dog 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.”

Choose the one that fits your dog best. 👇

*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

🦸 HERO 🦸

From €25 / month

💎 Maximum protection
  • 💊 90% reimbursement
  • 💰 €5,000 per year
  • 💉 Up to €90 a year for vaccines and deworming

*Indicative minimum price. The exact price depends on your dog and is calculated in the quote.

Check the waiting periods and exclusions in the FAQ, and all the conditions in the general conditions (in Spanish).

HOW DOES THE INSURANCE WORK?

How Miwuki dog insurance works

OUR CUSTOMERS' REVIEWS

★★★★★

La verdad es que estoy muy contenta con Miwuki. … cuando he tenido que llevar a mi perro de urgencias nocturnas. Voy con mucha tranquilidad sabiendo que aunque la consulta sea más cara, la cubre. La recomiendo 100%. …

Montse · review on Trustpilot (in Spanish)
★★★★★

…Realmente un seguro muy confiable, llevamos muchos años con ellos y seguiremos mas adelante con nuestro cachorro de 6 meses.

Cesar · review on Trustpilot (in Spanish)
★★★★★

…La tranquilidad de saber que nuestros peludos están cuidados sin tener que hipotecar un riñón es indescriptible!!

Mercè · review on Trustpilot (in Spanish)
★★★★★

Miwuki es el primer seguro veterinario que le hago a mi peluda Lana y apenas llevo un mes con él y ya he recibido el reembolso de las vacunas. De momento es todo perfecto. …

Sara · review on Trustpilot (in Spanish)

WANT MORE INFORMATION?

Everything you need to know about the pet insurance

Featured FAQs

What does Miwuki dog insurance cover?

✅ It covers your dog for illness and accidents: consultations, emergencies, diagnostic tests, medically necessary hospitalisation, surgery and prescribed medication (depending on the plan and conditions).

📌 Remember: the reimbursement percentage and annual limits depend on the plan.

What plans are available and what’s the difference?

✅ HERO reimburses 90% of covered vet costs, with a limit of €5,000 a year, plus up to €90 a year for preventive care (vaccines and deworming).

✅ GUARDIAN reimburses 70%, with a limit of €3,500 a year, plus up to €70 for preventive care.

✅ PROTECTOR reimburses 50%, with a limit of €2,000 a year, plus up to €50 for preventive care.

All plans cover illness and accidents: consultations, emergencies, diagnostic tests, hospitalisation, surgery and prescribed medication.

Can I insure my puppy?

✅ Yes, from 2 months old. You can take out the insurance for dogs from 2 months to 7 years old; the age in the health booklet at the time of purchase is the one that counts.

Does my dog need a microchip?

✅ Yes. To take out the insurance, your dog must be identified with a microchip or tattoo, as stated in the policy.

Can I go to any vet?

✅ Yes: you can go to any licensed vet in Spain. There is no closed network of clinics: you choose the one you prefer.

Does it include liability cover?

✅ It is a guarantee you can take out together with the vet insurance or as standalone cover.

📌 It is not included by default in the vet insurance: it is taken out separately and appears in your specific policy conditions. Learn about our dog liability insurance.

Does it cover emergencies?

✅ Yes: the insurance reimburses emergency visits, diagnostic tests, surgery and hospitalisation when it is medically necessary, after an illness or an accident, at your plan's percentage.

How do I claim and how long does it take?

✅ You visit the vet, pay the bill and upload the documentation online. Reimbursements are normally paid in 3-4 business days from when you send the invoice and the report, if the documentation is correct and complete.

📌 To avoid delays, attach the invoice and the report or the reimbursement form with your dog's details, signed and stamped by the vet.

Does the insurance cover vaccines?

✅ Yes. Annual limit by plan: 🦸 Hero, up to €90 a year · 🛡️ Guardian, up to €70 · 🐾 Protector, up to €50.

✔️ Reimbursement can be requested up to two times a year.

Am I covered if I travel with my dog?

✅ Yes: your dog stays covered on temporary trips within the European Union.

What documents do I need to request reimbursement?

✅ The vet's invoice and either the vet's report or our reimbursement form, completed by the vet and the insured person. Both documents must be signed and stamped by the vet; if a signature or stamp is missing, we will ask you for the signed and stamped document.

📌 Important: the invoice should include your dog's details (name and microchip) and itemised concepts.

Is there a commitment and can I cancel?

✅ You have 15 days from the date your policy is issued to request its cancellation in writing. We refund the premium you paid, minus the part for the days already covered.

📌 After that, the policy is annual; if you don't want to renew it, let us know in writing at least 1 month before it expires.

Still deciding?

Enter your dog's details and see what it would cost, with no rush.

More information about dog insurance

DO YOU HAVE MORE QUESTIONS?

Contact us!

We help you choose a plan for your dog, claim a reimbursement or sort out any question about your policy.

A man messages the pet insurance chat from his armchair while his dog sleeps in its bed

💙 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.

Adoptions recorded on Miwuki

66,143

adoptions recorded on Miwuki (data as of 22 October 2026)

Food donations to animal shelters

+1 million

kg of food donated to shelters

Hopeland
«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?

Thank you for supporting the Miwuki community 🐾

DO YOU OWN A CLINIC OR ARE YOU AN INFLUENCER?

🔥 Earn €20 in Amazon gift cards for each pet insured thanks to you.

Write to us and we'll tell you how it works. Want in?

Vets

Earn €20 in Amazon gift cards for each client who buys the insurance through your clinic.

Influencers & Creators

Does your community love dogs? Recommend Miwuki and earn €20 in Amazon gift cards per sign-up.