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All your questions answered

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 medication without limit until the pet's recovery.

📌 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

✅ 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.

🚫 There is no network of clinics or restrictions. We want you to choose the vet you like the most and, if you need a specialist, that you can go to the best. 😃🐾

✅ Yes, you can include Civil Liability coverage with:

✔️ €200,000 coverage for third-party damages.

✔️ €3,000 in legal assistance for legal defence.

📌 Protect your pet and avoid worries in case they cause any damage. 🚀🐾

Absolutely. Our insurance coverage complies with current regulations, so you can be at ease.

Yes. Since the Animal Welfare Law came into force, all dogs must have civil liability insurance. Not having it can lead to fines of up to €10,000 😱

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

Withdrawal period: If you have just taken out your insurance, you have 14 days to cancel it at no cost.

Cancellation after the first 14 days: After this period, the contract is annual. To cancel the renewal, you must notify us at least 1 month in advance of the policy anniversary date.

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

✔️ Consultations, diagnostic tests, hospitalisation and surgeries.

✔️ Treatments and medication without limit until recovery.

✔️ 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.

✅ 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.

📌 Mandatory requirement: Your pet must be identified with a microchip.

✅ Dogs: from 2 months to 7 years old.

✅ Cats: from 2 months to 10 years old.

🐾 Once insured with Miwuki, your pet is covered for life, with no upper age limit.

✅ Once your pet is insured with us, the insurance protects them for life, with no upper age limit.

📌 You just need to make sure to sign up before: Dogs (2 months–7 years) and Cats (2 months–10 years).

✅ Yes, from the day after purchase (no waiting period for prevention).

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

✔️ Up to two reimbursements per year.

✅ Yes, we cover deworming under the same terms as vaccines, from the day after purchase.

📌 Annual limit according to plan:

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

✔️ Maximum two reimbursements per year.

❌ No, the insurance does not cover voluntary annual check‑ups.

✅ We do cover: vaccines and deworming with annual reimbursement according to plan.

• The consultation just for a general check‑up is not covered.
• If the consultation is due to illness or accident, it IS covered.

✅ Covered with conditions:

• From age 4 with any plan; or
• At any age if prescribed for a condition (e.g., pyometra, cysts, tumours, testicular torsion).
• Waiting period: 6 months.

📌 Reimbursement: Hero 90%, Guardian 70%, Protector 50% (first claim of the year applies annual deductible).

✅ Yes, we cover the costs of medication prescribed for illness or accident.

📌 What is covered?

• ✔️ Medicines prescribed by the vet to treat an illness or accident.
• ✔️ Necessary medication during treatment and recovery.

🚫 What is not covered?

• Food supplements.
• Skin regenerating creams.
• Products that are not medicines.

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

✅ Yes, allergy testing (if the first symptoms appear after purchase and waiting periods) and oral/injectable medication administered by the vet.

✅ It is reimbursed once a year, from the third year of the policy (after 2 full years insured).

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

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

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

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

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

✅ Yes, but only at the end of the current contract, i.e., on renewal.

📱 Contact us on WhatsApp and our team will handle the request after a quick review.

The waiting period is the time during which no reimbursements are made after purchase (ensuring the pet was healthy).

✅ No waiting period: Vaccines and deworming, Civil Liability.

⏳ With waiting period:

• Accidents and surgery due to accident: 7 days.
• Illnesses: 45 days.
• Surgery due to illness: 6 months.
• Cruciate ligament rupture: 6 months.

⚠️ The date of the veterinary visit is taken, not the date of the reimbursement request.

The deductible applies only to the first reimbursement of the year.

📌 Annual deductible: Hero €70, Guardian €50, Protector €20.

✅ It does not apply to vaccines or deworming.

✅ All of Spain and the entire European Union.

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

📌 Abroad, for trips/displacements of up to 90 days.

✅ Just your pet’s microchip number (pet passport/health card/registration).

❌ Not required to purchase or claim. Exceptionally it may be requested if a pre‑existing condition is suspected.

✅ To purchase: microchip. To reimburse: invoice and veterinary report.

✅ Yes, mandatory in Spain and required to purchase the policy.

✅ If the breed of your dog or cat appears in the list, select it to calculate the price.

📱 If you have doubts or can't find it, write to us on WhatsApp: +34 644 58 52 32

We will help you find the correct equivalence or register the breed if it does not exist.

❌ 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.
• It may also apply to other coverages, such as euthanasia.

❌ 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.