Frequently asked questions about Miwuki veterinary insurance

✅ The insurance includes a reimbursement guarantee of veterinary expenses in case of accident and in case of illness.

📌 The reimbursement percentage and the limits depend on the plan stated in your specific policy conditions:

• 🐾 Protector: 50% (limit €2,000 per year)
• 🛡️ Guardian: 70% (limit €3,500 per year)
• 🦸 Hero: 90% (limit €5,000 per year)

Veterinary insurance helps you pay vet bills in case of accident or illness of your pet.

✅ Reimbursement of up to 90% of the amount of veterinary invoices.

✅ Covers consultations, diagnostic tests, hospitalisation and necessary surgeries.

✅ Includes vet-prescribed medication related to a covered illness or accident, within the limits and conditions of the contracted plan.

📌 This way we ensure the best care for your pet without money being a problem. 🚀🐶🐱

🐶🐱 75% of dogs and cats need veterinary care every year due to illness or accident. Having insurance ensures that you can face any unforeseen event without financial worries.

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

In general, you can purchase it, but that issue will not be covered if it is pre-existing.

Also, to use the insurance, the waiting periods for accident/illness must have been completed and your plan limits apply.

❌ No, exceptionally information may be requested if there is suspicion of a pre-existing condition.

✅ To take out the insurance: microchip. To reimburse: invoice and vet report.

✅ You can calculate the exact price in the online calculator:

✅ Calculate the price at https://seguros.miwuki.com/.

If your pet's breed appears in the list, select it to get the insurance price.

📱 Can't find the breed? Tell us and we'll help you.

We will help you complete the process without issues. 🚀🐾

📌 The reimbursement percentage and annual limits are:

• 🐾 Protector: 50% (limit €2,000 per year)
• 🛡️ Guardian: 70% (limit €3,500 per year)
• 🦸 Hero: 90% (limit €5,000 per year)

📌 The main difference is the reimbursement percentage and the annual limit of each plan:

• 🐾 Protector: 50% — €2,000 per year
• 🛡️ Guardian: 70% — €3,500 per year
• 🦸 Hero: 90% — €5,000 per year

✅ In addition, the excess and other details are stated in your specific policy conditions.

✅ The Hero plan covers up to €5,000 per year in veterinary expenses.

✔️ Consultations, diagnostic tests, hospitalisation and surgeries.

✔️ Vet-prescribed medication related to a covered illness or accident, within the limits and conditions of the contracted plan.

✔️ Coverage for illnesses and accidents.

✅ The Guardian plan covers up to €3,500 per year in veterinary expenses.

✔️ Consultations for illness or accident.

✔️ Diagnostic tests, hospitalisation and surgeries.

✔️ Treatments and medication until recovery.

✅ The Protector plan covers up to €2,000 per year in veterinary expenses.

✔️ Consultations for illness or accident.

✔️ Diagnostic tests, hospitalisation and surgeries.

✔️ Treatments and medication until recovery.

📌 Quick guidance:

• 🐾 Protector: the basic option.
• 🛡️ Guardian: balance between price and coverage.
• 🦸 Hero: the most complete plan.

✅ The main difference is the percentage and the annual limit: Protector 50% up to €2,000, Guardian 70% up to €3,500 and Hero 90% up to €5,000.

✅ Yes, you can insure multiple pets, but each one must be correctly identified and meet its own conditions.

📌 The price depends on each pet and the plan.

If you want to insure multiple pets, calculate the price or tell us your situation and we'll review it with you.

❌ No, each dog or cat must have its own policy.

❌ No, there is no discount for insuring multiple pets.

✅ Yes, the insurance is for dogs and cats and there are no breed exclusions to take it out, as long as your pet meets the age, microchip/identification and policy conditions.

✅ You can insure dogs and cats of all breeds, provided they are companion animals.

🚫 Excluded pets:

• Dogs intended solely for hunting.
• Animals used in sports competitions or professional activities.
• Working or guard dogs.

✅ Dogs: over 2 months and under 7 years old.

✅ Cats: over 2 months and under 10 years old.

📌 The valid age is the one stated in the health booklet.

✅ Dogs: from 2 months up to 7 years old.

✅ Cats: from 2 months up to 10 years old.

🐾 Once insured with Miwuki, your pet will be covered for life, with no age limit.

✅ Once your pet is insured with us, it will be protected for life, with no age limit.

📌 You just need to take out the insurance before: Dogs (2 months–7 years) and Cats (2 months–10 years).

✅ Yes, to take out an insurance plan, the pets must be tattooed or identified with a microchip.

To purchase the insurance, your pet must be identified by microchip or tattoo.

If your pet doesn’t have it yet, you must identify them first and then continue with the purchase.

✅ You only need the microchip number (in the health booklet, registration card or pet documentation).

✅ It is a guarantee you can purchase either together with the veterinary insurance or as a standalone civil liability coverage.

📌 It is not included by default in the veterinary insurance: it must be purchased separately and must appear in your Specific Policy Conditions.

📌 Civil liability is only covered if it appears as contracted in the Specific Policy Conditions.

✅ Yes, it can be purchased as a specific civil liability product or added depending on the available plan/contracting.

✅ If you already have a policy and want to add civil liability, tell us your case and we'll review it with you.

✅ It covers personal injury, property damage and consequential damages caused to third parties by the insured dog/cat, within the contracted limit.

🚫 It does not cover fines or penalties.

⚖️ It may include defence, bonds and legal advice depending on the policy.

✅ Yes, if you have the appropriate civil liability coverage contracted and you receive the corresponding certificate, it can be used to prove the civil liability insurance required for dogs.

📌 Always check your Specific Policy Conditions.

Veterinary health insurance is not mandatory.

What is mandatory for dogs is having civil liability insurance for damages to third parties, under the Animal Welfare Law.

With Miwuki, you can purchase or include this coverage if it appears in your specific policy conditions and you receive the corresponding certificate.

📌 It depends on the reason and waiting periods:

• Accident (and accident surgery): 7 days.
• Illness: 45 days (and the first manifestation must occur after that period).
• Surgery after illness: 6 months (and with symptoms after 45 days).
• Cruciate ligament rupture: 6 months.

The waiting period is the time after taking out the policy during which reimbursements are not available (it helps ensure the pet was healthy).

⏳ Timeframes:

• Accident (and accident surgery): 7 days.
• Illness: 45 days (and the first manifestation must occur after that period).
• Surgery after illness: 6 months (and with symptoms after 45 days).
• Cruciate ligament rupture: 6 months.

⚠️ The relevant date is the vet visit date, not the reimbursement request date.

✅ Vaccination and deworming fall under prevention, with an annual limit depending on the plan.

📌 The maximum annual amounts are:

• 🐾 Protector: up to €50 per year
• 🛡️ Guardian: up to €70 per year
• 🦸 Hero: up to €90 per year

✔️ These amounts are reimbursed a maximum of two times per insurance year, up to the limit above.

📌 EXCESS = the part of the expenses that is not reimbursed and is paid by the insured.

✅ The exact amount is stated in your specific policy conditions.

❌ No, it does not apply to the reimbursement of vaccinations, deworming or microchip.

📌 Annual limits:

• 🐾 Protector: 50% — €2,000 per year
• 🛡️ Guardian: 70% — €3,500 per year
• 🦸 Hero: 90% — €5,000 per year

❌ No, there is no specific limit on the number of consultations per illness or accident; what exists is an annual financial limit depending on the plan.

📌 In prevention, reimbursement is limited to a maximum of two submissions per year and the annual amount of each plan.

📌 It depends on the reason for the visit and the waiting periods: accident (7 days), illness (45 days) and surgery due to illness (6 months).

✅ Yes, with our insurance you can go to any vet in Spain, without restrictions.

📌 Also, if you travel with your pet, you will also be covered in:

✔️ All countries of the European Union.

✔️ Switzerland, Andorra, Iceland, Liechtenstein, San Marino, The Vatican, Monaco and Norway.

✔️ During trips or displacements not exceeding 90 days.

✅ Yes, the scope of coverage applies to events occurring within Spanish territory.

✈️ It also contemplates trips abroad (under three months), subject to Spanish law and the jurisdiction of Spanish courts and tribunals.

✅ Yes, prevention visits accept prescribed products such as vaccines administered at the vet clinic, with an annual limit depending on the plan.

✅ Yes, prevention visits accept prescribed antiparasitic products administered at the vet clinic, with an annual limit depending on the plan.

✅ Yes, the annual check-up may fall under prevention, within the annual limit of the contracted plan.

✅ Yes, the consultation associated with vaccination/deworming may fall under prevention, within the annual limit of the contracted plan.

✅ Yes, it reimburses the cost of laboratory tests and radiological examinations, among others, within the limits and conditions.

✅ Yes, it reimburses surgical intervention expenses in case of accident and in case of illness, with applicable waiting periods and limits.

✅ Yes, if the emergency derives from a covered illness or accident, the applicable waiting periods have been completed and the required documentation is provided.

📌 It is not a “standalone coverage”: it depends on the cause (illness/accident) and the policy conditions.

✅ Yes, in case of surgical intervention it reimburses the expenses for the clinic stay required by the operation.

✅ Yes, it reimburses medication prescribed by the veterinarian.

❌ No, the insurance does not cover food expenses (food, special diets or supplements), even if recommended by the vet.

✅ Yes, tests to determine the allergy (if the first symptoms appear after taking out the policy and the waiting period has been completed) and oral/injectable medication administered by the vet.

✅ Yes, with conditions:

• From 4 years of age, with any plan.
• At any age, if prescribed due to pathology (pyometra, cysts, tumours, testicular torsion...).
• Waiting period: 6 months.

📌 Reimbursement depending on plan: Hero 90%, Guardian 70%, Protector 50%.

📌 If it is the first reimbursement of the year, the excess applies: Hero €70, Guardian €50, Protector €20.

✅ Yes, therapeutic dental cleaning/descaling is reimbursed after 2 years of subscription and with a limit of once per year.

✅ Yes, rehabilitation and/or physiotherapy when necessary for recovery after a covered illness or accident and prescribed by a vet.

❌ No, congenital and hereditary diseases are included among excluded risks.

❌ No, the insurance does not cover veterinary expenses for pre-existing illnesses or medical conditions, meaning those that:

• Were already known before purchasing the insurance.
• Were diagnosed before the policy subscription.

📌 How does this affect coverage?

• Treatments related to pre-existing conditions will not be reimbursed.

❌ No, euthanasia, cremation/burial and veterinary autopsies are not covered.

✅ In the event of a claim, the general conditions state that you must notify health problems within 7 business days from the date you go to the vet.

📄 To process it, you must send the invoice together with the report filled in by the veterinarian and the necessary medical or clinical information.

🌐 Documentation is submitted through the website: reembolsos.miwuki.com.

📄 Invoice + 📑 vet report (filled in by the veterinarian) and the necessary clinical information to process the reimbursement.

✅ Through the reimbursements website:

⏳ The average reimbursement time is 3 to 7 business days, provided the submitted documentation is correct and complete.

📌 If it takes longer than usual or you are not satisfied, tell us your case and we will review it with you.

✅ Yes, you can cancel your policy in these cases:

Withdrawal period: You can cancel your insurance within the legal withdrawal period.

Cancellation after that period: After that, the contract is annual. To cancel the renewal, you must notify us at least 1 month in advance of the policy anniversary date.

✅ Yes, but only when the current contract ends, that is, at the next renewal.

📱 If you want us to review it, tell us your case and our team will handle it after an analysis.

You can download it and view it in the MyAXA app or website. Click here to access MyAXA.

If you cannot find it, tell us your case and we will help you.

📌 Check your purchase email and your policy documentation.

If you cannot find it, tell us your case and we will help you locate it.

📌 If MyAXA shows an error, try recovering your password and accessing from another browser/device. Click here to access MyAXA.

If the error persists, tell us your case and we will review it with you.

📌 If a premium has not been charged, check that the bank account has funds and that there were no returned payments.

If you need help, tell us your case and we will review it with you.

📌 It depends on your case and how the policy was taken out.

If you want to change the plan, tell us your case and we will review it with you.

✅ If you already have a policy and want to add civil liability, tell us your case and we'll review it with you.

📌 The policy is annual and renewable. The policyholder can oppose the renewal at least one month before the renewal date.

To process it correctly according to your case, tell us your situation and we will review it with you.

✅ Yes, the policy can be cancelled.

📌 In case of death:

• ✅ With a death certificate, termination is effective as of the certificate date and premiums paid since that date are regularised.
• ✅ Without a certificate, it can be done via a sworn statement and termination is effective at the end of the month in which the notification is received.

📌 The renewal price depends on your policy and is communicated according to the conditions.

If you need confirmation, tell us your case and we will review it with you.

❌ No, the insurance does not cover veterinary expenses for pre-existing illnesses or medical conditions, meaning those that:

• Were already known before purchasing the insurance.
• Were diagnosed before the policy subscription.

📌 How does this affect coverage?

• Treatments related to pre-existing conditions will not be reimbursed.

❌ The insurance does NOT cover:

Pre-existing and prior conditions (before purchase) and illnesses due to lack of vaccination (distemper, infectious hepatitis, leptospirosis, parvovirus, rabies in dogs; typhus, coryza, calicivirus, feline leukemia, rabies in cats).

Congenital and hereditary: hip dysplasia, patellar luxation, elbow anomalies, entropion/ectropion…

Excluded treatments and procedures: chemotherapy, unrelated medication, contraceptives, cosmetic surgery, spay/neuter before 4 years (unless medically required), non-accidental c-sections, treatments during gestation, insemination, dental/orthopaedic/ocular prosthetics, autopsy, cremation, behavioural assessments, custody without medical justification.

Other expenses: food, hygiene/cosmetic products, dangerous dog registration (PPP), rabies testing, passport/document issuance.

Exceptions: intentional harm, war, nuclear, experimentation, organised fights, hunting gun injuries, events covered by the Spanish Insurance Compensation Consortium.