80% reimbursement on invoices!

1 – Indemnity in case of accidental death (Dogs and Cats)

If your dog or cat suffers a fatal accident, you will receive a 400€ indemnity. We will also support you through the whole process with 100% personalised care.

2 – Third‑party liability (optional)

Optional Third‑party liability insurance with 300,000€ capital and 3,000€ in legal assistance. It covers the liability you assume as an owner for damages your pet may cause to third parties, whether your dog is PPP (potentially dangerous dogs) or not.

Third‑party liability includes:

Damage claims

Legal protection (3,000€)

Administrative law

Criminal defence

Telephone legal guidance

75% of dogs/cats have to go to the vet each year due to illness or accident. For your pet’s wellbeing and your peace of mind, insurance helps you avoid having to make painful decisions when your dog needs costly treatments.

I see cases every day of owners who cannot help their pets because they simply cannot afford the surgeries and treatments they need. They are surprised when we give them the estimate, because in human healthcare we don’t really know how much things cost. Simple operations usually cost between 1,000 and 1,500 euros (surgery, diagnostic imaging, anaesthesia, post‑op, hospitalisation, medication…).
I would get insurance without hesitation. The peace of mind of being able to face any situation that requires veterinary care is priceless.
Marina S. Echalecu – Veterinarian, Córdoba Clinical Veterinary Hospital

The main difference is that Clinimascota only covers in case of surgeries (all related expenses such as diagnostic tests, consultation, diagnostic imaging…) and Completmascota covers whenever you go to the vet for illness or accident, whether surgery is needed or not.

Example: your dog/cat starts vomiting in the middle of the night and you decide to go to the emergency vet (it covers both regular and emergency consultations). The invoice is:

– Consultation 50€

– Lab tests: 50€

– X‑ray: 50€

– Hospitalisation: 150€

– IV fluids and medication: 25€

Total: 225€

If you have the full plan, the insurance reimburses 180€ (80%). With Clinimascota, since there is no surgery, it would not cover anything.

But imagine it turns out they vomit because they ate something and it has to be removed. In that case both plans would cover it because surgery is required.

And third‑party liability covers situations where your dog causes damage to someone, a car, another dog…

Imagine your dog bites another dog and the other dog needs veterinary care costing 500€. The insurance would reimburse those 500€ to the affected owner.

Pet insurance helps you pay vet invoices after an accident or illness. If your pet has an accident or gets sick, Miwuki reimburses 80% of the vet invoices and medicines administered during their stay in the clinic/hospital.

You can insure DOGS and CATS of all breeds as long as they are companion animals. Animals used only for hunting or professional competitive sports are excluded, as well as working/guard dogs. Pets must have a microchip.

With our insurance, you can go to any vet in Spain, with no restrictions.

If you travel, you can also go to any vet in the European Union, Switzerland, Andorra, Iceland, Liechtenstein, San Marino, The Vatican, Monaco and Norway during trips that do not exceed 90 days 🙂

There is no clinic network: we want you to choose your favourite vet, and if you need a specialist, that it can be the best one 🙂

• Dogs/cats treated for a chronic or recurrent illness (at least 3 times for the same illness in the last 12 months).
• Dogs/cats currently under treatment or that have visited a vet more than 2 times in the last 3 months (except visits for vaccination/deworming/nail trimming/grooming).
• Dogs/cats that have undergone surgery in the last 6 months (do not consider neutering/spaying).

Excluded from all coverages and guarantees of the policy (in addition to each specific limitation) are damages produced in the following circumstances:

– Bad faith by the insured.

– Armed conflicts, whether or not a war has been officially declared.

– Riots, popular unrest, terrorism, rebellion and sedition.

– Acts carried out by the Armed Forces or Security Forces during peacetime.

– Floods, volcanic eruption, hurricane, storm, seismic movements, landslides, subsidence or earth movements and, in general, any other natural phenomenon, unless expressly covered in these Conditions.

– Falling celestial bodies and meteorites.

– Nuclear energy.

– Participation of insured animals in fights, bets or challenges.

– Animals used in professional activity.

– Hunting accidents, races, participation in exhibitions, contests, competitions, and their training.

– Abuse, overwork, lack/insufficient/poor hygienic quality of food or care, when attributable to the insured.

– Claims classified by the Government as “national catastrophe or calamity”.

– Malformations, defects, hidden vices, injuries or illnesses of any kind and their consequences, contracted or manifested before the initial effective date of the policy or during waiting periods, even if not specifically diagnosed, and the sequelae produced by them, as well as visible birth defects and/or those that had produced symptoms.

If you have not purchased the insurance yet, your dog/cat must be over 3 months and under 9 years old (8 years and 365 days is the limit).

*If you insure before these ages, don’t worry: you will be able to renew the insurance throughout their life. This limit applies only to new contracts.

If your pet is already insured with us, there is no age limit and they will be protected for life.

Only the “Completmascota” plan covers vaccines up to 40€ per year.

IMPORTANT: If on your vaccination day you include Rabies and polyvalent and both cost 40€, you would get the full amount reimbursed.

But if you give Rabies one day and polyvalent on another day, only Rabies would be covered.

That is, both vaccines must be done the same day or included in the same invoice. If you trust your vet, they can administer them on different days, but as long as they invoice both together there is no problem.

It also covers any vaccine: you can use the 40€ yearly amount, for example for the leishmania vaccine.

As a gift, we reimburse 15€ for deworming expenses in the first year of the insurance. You can use those 15€ for internal or external deworming bought at the vet. And there is no waiting period!

In subsequent years, deworming expenses are not covered.

No, the insurance does not cover spaying/neutering expenses (heat control), except when this surgery is indicated to resolve an illness that is causing a serious deterioration of the animal’s physical condition at the time of surgery and is necessary to save their life. Preventive spaying/neutering or “vet‑recommended” spaying/neutering is not covered.

It is not covered if done to avoid potential future issues, as prevention, or just on veterinary advice. The operation is only covered if the animal’s life is in danger if they are not operated at that moment.

What is considered a serious deterioration of physical condition?
For example: a tumour in the reproductive system (ovaries or uterus), a severe infection in the reproductive system (ovaries or uterus), serious wounds requiring emergency care…

In what cases would it not be covered?
– Monorchidism / cryptorchidism
– The vet “recommends” it to avoid future problems
– Pseudopregnancy
– Any problem that does not cause a serious issue at the time of spaying/neutering
– Behaviour problems

Yes, medication is covered. Both medication administered by the vet and pharmacy medication. To reimburse pharmacy medication it is important that the invoice includes the medicine name, and for pharmacy purchases, the vet prescription and the pharmacy receipt.

*Food supplements, skin regenerative creams, or products that are not medicines are not covered.

No. The insurance does not cover any type of food or food supplements (cans, kibble, natural food, any type of supplements…).

Prescription diets are also not covered (whether bought at the clinic or elsewhere).

The insurance DOES cover the tests to determine the allergy provided the first symptoms occurred after the insurance was purchased and after the waiting period for illness.
The insurance DOES cover oral and injectable medicines administered by the vet, except immunotherapy medicines.
The insurance DOES NOT cover immunotherapy for allergic diseases (e.g. Cytopoointt and Appoqquel).

The insurance DOES NOT cover dental cleanings or dental issues associated with diseases, tartar, plaque, bacteria…

The insurance DOES cover dental problems in case of accident. For example: broken teeth due to trauma, biting a stone, fights…

Up to 5 rehabilitation/physiotherapy sessions per year are covered, when needed and at the veterinarian’s discretion, for the pet’s recovery after an illness or accident covered by the policy.

No. Each dog/cat must have its own policy. One contract does not insure all pets in the household.

Yes!

The first purchase has a 10% discount, but the rest will each have a 20% discount 🙂*

Example:

I have 2 mixed‑breed dogs and I want the “Clinicmascota” plan which costs 12.22€ /month:

1st contract: 12.22€/month (10% discount)
2nd contract: 10.86€/month (20% discount)

Total: 23.08€ / month

The initial 10% and 20% discounts are recovered each year with a 2% increase until the sixth year. After the sixth year there is no further increase due to the initial discount.

*The premium at each renewal also varies depending on the animal’s age and reimbursements processed in the last 24 months.

🔴 Increase by age:

– 0-6 years old: 5% increase each renewal

– When turning 7 years: 25% increase

– When turning 8 years or more: 36% increase

🔴 Discounts from 7 years of age, if in the last 24 months reimbursements were processed for less than:

– 95€ > 16% discount

– 250€ > 12% discount

– 500€ > 8% discount

– 750€ > 4% discount

– More than 750€ in reimbursements – no discount applies

To purchase more than one insurance policy, you must do it separately.

The process is:

1) For the first pet, select “New purchase” in the purchase form

2) Once completed, click “Continue with purchase”

3) When you receive a confirmation email, it means we have registered your request. Then you can make the second purchase.

4) Go back to the form, but this time select “I already have another insured pet”. You will see an option to enter your DNI. Enter it exactly as before (numbers and letter) and click search. A box with your details will appear. Click select and complete the rest of the form with the second pet’s details.

5) Click “Continue with purchase” and that’s it!

This is the process to request insurance for more than one pet.

If you have any other questions, feel free to ask 🙂

You can only change the plan once the contract year ends, meaning at the next renewal. You can request a change by emailing [email protected] and our team will handle it after review.

At Miwuki we offer two plans for your dog/cat. Choose what best fits your needs: Clinimascota, 80% reimbursement of veterinary expenses derived from surgeries, with an annual limit of 2,000 €; and Completmascota, which in addition to surgical acts covers 80% of expenses for visits, consultations, treatments, one vaccine per year, clinic stays without surgery… with one of the highest annual limits on the market: 3,000 €.

These coverages also apply during trips and stays under 90 days in the European Union, Switzerland, Andorra, Iceland, Liechtenstein, San Marino, The Vatican, Monaco and Norway.

In addition to Veterinary Insurance you also get:

1 – Indemnity in case of accidental death (dogs and cats)
If your pet suffers a fatal accident, you will receive a 400€ indemnity. We will also support you with 100% personalised care.

2 – Third‑party liability (optional)
You can add Third‑party liability insurance with 300,000€ capital and 3,000€ in legal assistance. It covers the liability you assume as an owner for damages your pet may cause to third parties, regardless of whether your dog is PPP.
Third‑party liability includes:

• Damage claims
• Legal protection
• Administrative law
• Criminal defence
• Telephone legal guidance

The insurance has the following waiting periods*:

• Illness and vaccines: 60 days
• Accidents and accidental death: 15 days
• Third‑party liability: no waiting period
• Cruciate ligament rupture (caused by accident or illness): 90 days

*The waiting period is the time from the policy start date during which some coverages are not effective. In other words, it is the time that must pass from the effective date of the insurance for you to access all services included in your policy.

IMPORTANT: All waiting periods are removed if the insured comes from another insurer and can justify equivalent coverages. The sign‑up date at Miwuki and the cancellation date of the previous insurance must be simultaneous or the previous cancellation must be earlier. If your previous insurance ended before signing up with Miwuki, waiting periods cannot be removed.

With our insurance your pet is covered in Spain and in all countries of the European Union, Switzerland, Andorra, Iceland, Liechtenstein, San Marino, The Vatican, Monaco and Norway during trips that do not exceed 90 days.

Yes, identification of dogs and cats in Spain is mandatory even for indoor pets. To insure your pet, they must be identifiable by their microchip number.

To purchase the insurance we only need the microchip number, which you can find in the health booklet, registration card, or pet ID.

What if your dog bites or attacks another dog or a person? Would you be able to cover lawyer fees and compensation? You never know, but it can happen any day, so it’s important to be protected. In some regions (such as Madrid) it is mandatory and you can be fined simply for walking your dog without third‑party liability insurance.

With our insurance you can include third‑party liability coverage of 300,000€ and 3,000€ in legal assistance.

Of course! For dogs, you can add third‑party liability coverage of 300,000€ in any plan, and it also includes legal protection and defence expenses up to 3,000€.

You can add third‑party liability coverage (300,000€ capital) regardless of breed.

Third‑party liability insurance with 300,000€ capital and 3,000€ in legal assistance. It covers the liability you assume as an owner for damages your pet may cause to third parties, REGARDLESS of whether your dog is PPP.

Third‑party liability includes:

• Damage claims
• Legal protection (3,000€)
• Administrative law
• Criminal defence
• Telephone legal guidance

It covers third‑party liability claims arising from covered events occurring within the European Union.

The insurance company will assume, up to the maximum total limit of 3,000 €, the following expenses:

– Fees of a lawyer and, if applicable, a solicitor, according to the rules of the relevant professional association.

– Granting of the powers of attorney required for the procedure.

– Expert reports, certifications and any other relevant expense for the proper defence of the insured’s interests.

– Legal costs, when imposed on the insured by judgment.

– The payment of penalties and fines imposed on the insured is not covered, nor the performance of obligations imposed by judgment.

The insured must notify the insurance company within a maximum period of seven days from becoming aware of the claim, as well as the designation of any professional within seven days from that designation date.

The insured has the right to freely choose the solicitor and the lawyer in the cases covered by this guarantee.

To purchase the insurance, follow these steps:

1) Go to: https://seguros.miwuki.com/

2) You will have to check a series of boxes (requirements to purchase the insurance)

3) Once you confirm all requirements, a form will appear where you must fill in the policyholder (you), the pet, the plan you want and the bank account for payments (all fields are mandatory).

4) When you finish the form, click “Continue purchase”.

5) Within 72 hours you will receive an email with the contract. Open the attachment and follow the instructions. Once signed digitally (via SMS code), your pet will be insured 🙂

6) We will send the contract and the policy online and by postal mail to the address you enter in the form.

This is the process to request the purchase of insurance for your 🐶🐱

Payment is made by bank direct debit. Payment periods can be:

– Monthly

– Quarterly (every 3 months): 2% discount compared to monthly payment

– Half‑yearly (every 6 months): 3% discount compared to monthly payment

– Yearly: 5% discount compared to monthly payment

It depends on the “effective date” you select. The charge will be made 1–5 days after the selected effective date. You can request the purchase today and choose an effective date in the future. Example:

-Request date: January 1
-Effective date: February 20
When will the charge be made? Between February 21–25

Only the microchip and birthdate of your dog/cat are required. The rest you likely have handy (or in your head) 🙂

If we do not receive payment of the initial premium, the insurance will not take effect and your pet will not be covered by the policy.

If we do not receive payment of any subsequent premium, your pet’s insurance will be suspended one month after that premium’s due date. If 6 months pass without payment, the contract will be automatically cancelled. If it is not cancelled but suspended, the insurance becomes effective again 24 hours after we receive the payment.

• Information and guidance service
• 24-hour emergency vet service
• Burial and cremation service
• Appointment booking at veterinary centres
• Hospitalisation due to illness or accident
• Help finding your dog if lost or missing
• Pickup and transport service
• Hotel guidance service
• Pet sitting / daycare service
• Information service for travelling abroad
• Telephone legal advice for administrative procedures
• Second veterinary opinion
• Home food delivery service
• General advisory service

• 24-hour emergency vet service
• Information about stays in boarding facilities
• Transport and custody of your pet

– The veterinarian’s surgical fees, operating room expenses, including surgical materials, osteosynthesis, prostheses and/or endoscopy when necessary.

– Expenses derived from the immediate pre‑op process (consultation, diagnostic tests, lab…), anaesthesia, and expenses derived from post‑op acts directly related to the surgery that occur within a maximum of 15 days after the intervention, including diagnostic tests related to the post‑op period as well as IV/IM medication or fluid therapy applied for the process within that maximum period.

– Post‑op hospitalisation expenses in a clinic and/or veterinary hospital, when veterinary‑justified, with a maximum limit of 48 hours per case and the annual limit set in these Special Terms.

– Expenses for euthanasia or sacrifice of the animal as a direct consequence of a failed surgery, with the limit set in these Special Terms.

– The policy also covers deworming expenses once during the life of the policy, provided it is done in the first year, up to the maximum amount set in these Special Terms.

In addition to global exclusions, this guarantee does not cover reimbursement of veterinary expenses when they are due to:

– Any expense not directly linked to veterinary surgery.

– Care provided by someone other than a veterinarian.

– Surgery expenses that are not a direct consequence of an accident or illness.

– Surgery expenses other than those expressly indicated in the covered risks section above.

– Any medication and fluid therapy not linked to a surgical process, as described above.

– Veterinary care is expressly excluded for the following illnesses/anomalies:

∙ Hip or elbow dysplasia.
∙ Hemivertebra.
∙ Congenital patellar luxation.
∙ Ectropion, entropion, eyelash alterations (distichiasis).
∙ Anatomical alterations of the nictitating membrane/third eyelid structures, such as protrusion, gland prolapse, or cartilage eversion.
∙ Ectopic testicles (monorchidism, cryptorchidism).
∙ Elongated palate with or without brachycephalic syndrome.
∙ Non‑traumatic umbilical hernias.
∙ Narrowed nostrils.
∙ Others: Leishmaniosis, dirofilariosis, parvovirosis (except if the animal acquires the disease despite being vaccinated).

– Spaying/neutering expenses (heat control), except when indicated to resolve an illness causing serious deterioration of physical condition.

– Any expense derived from pregnancy, including diagnosis and follow‑up, and delivery care, except for dystocia or caesarean section in females that are not English Bulldog, French Bulldog, Boston Terrier or Pug.

– Dystocia and caesarean section in English Bulldog, French Bulldog, Boston Terrier or Pug females.

– Aesthetic surgeries or those intended to eliminate defects, as well as procedures used in some breeds to shape ears or tails, and nail removal.

– Expenses for euthanasia and/or disposal of the animal’s body when not the direct consequence of a failed surgery.

– Costs caused by uterine/ovarian condition in unspayed females aged 8+ at the time of treatment.

– Dental cleanings and any dental treatments, except those applied to resolve injuries caused by accident.

– Animal ambulance transport expenses.

– Vaccines of any kind.

– Oncology and radiotherapy treatments.

– Home veterinary care.

The insured sums described in these special terms are the limits for this guarantee.

Annual global limit for Veterinary Surgery: 1,500 €

• Consultation/visit in case of surgery or post‑op (covered if performed within 15 days after surgery): 40 € / visit*
• Emergency consultation/visit (night 20–9h, Sundays or holidays) in case of surgery or post‑op (covered if performed within 15 days after surgery): 85 € / visit*
• Post‑op hospitalisation, maximum 48 hours after surgery: 200 € / year
• Prosthesis: 700 € / year
• Euthanasia and body disposal as a consequence of failed surgery: maximum 150 €
• External/internal deworming performed and invoiced by a veterinarian (max 1 act during the life of the policy, in the first year): maximum 15 €

*Consultation refers only to the act of being seen by the vet. Tests to be carried out (imaging, lab…) are covered at 80% up to the annual limit depending on the plan.

– Veterinarian fees (visits, treatments and injectables).

– Expenses for clinical procedures intended to diagnose a pathology, prescribed and performed by a veterinarian. Only the following are considered: lab tests, radiological exams, contrast radiology, ECG, ultrasounds, echocardiogram, myelography, electromyography, MRI, CT, Doppler ultrasound and endoscopies. Anaesthesia or sedation used for these acts is included.

– Therapeutic treatments and acts: chemotherapy and radiotherapy, provided they are performed in a veterinary clinic under hospitalisation or day hospital regimen and prescribed by a veterinarian.

– Expenses derived from surgical interventions, including surgical materials, osteosynthesis, prostheses and/or endoscopy when necessary, anaesthesia, pre‑op and post‑op acts, diagnostic tests, as well as IV/IM medication or fluid therapy required for the surgical process.

– Hospitalisation in a clinic and/or veterinary hospital and related expenses, when the animal has a pathology requiring hospital stay, including medication and diagnostic tests during the process.

– Vaccination expenses limited to one vaccination consultation per policy year, up to the established maximum.

– Deworming expenses. This benefit is covered only once during the life of the policy and only if performed in the first policy year.

– Expenses for euthanasia or sacrifice of the animal when they suffer irreversible suffering and, under veterinary diagnosis, sacrifice is recommended.

– Prostheses and implants.

In addition to global exclusions, this guarantee does not cover reimbursement of veterinary expenses when they are due to:

– Care provided by someone other than a veterinarian.

– Veterinary care not a direct consequence of an accident or illness.

– Veterinary care expenses other than those expressly indicated in the covered risks section above.

– Vaccination expenses not contemplated in the covered risks section.

– Immunotherapy for allergic diseases (e.g. Cytopooinnt or Apooooquell).

– Acupuncture and homeopathy treatments.

– Identification expenses (tattoo or microchip), official veterinary certificate, passport or health booklet.

– Expenses derived from preventive treatments of any kind, as well as check‑ups, reviews or general preventive exams.

– Veterinary care is expressly excluded for the following illnesses/anomalies:

∙ Hip or elbow dysplasia.
∙ Hemivertebra.
∙ Congenital patellar luxation.
∙ Ectropion, entropion, eyelash alterations (distichiasis).
∙ Anatomical alterations of the nictitating membrane/third eyelid structures, such as protrusion, gland prolapse, or cartilage eversion.
∙ Ectopic testicles (monorchidism, cryptorchidism).
∙ Elongated palate with or without brachycephalic syndrome.
∙ Non‑traumatic umbilical hernias.
∙ Narrowed nostrils.
∙ Others: Leishmaniosis, dirofilariosis, parvovirosis (except if the animal acquires the disease despite being vaccinated).

– Expenses derived from infectious diseases for which preventive vaccination exists, if a correct vaccination schedule has not been previously performed.

– Any expense derived from declaration or suspicion of Rabies or any epizootic (epidemic).

– Spaying/neutering expenses (heat control), except when indicated to resolve an illness causing serious deterioration of physical condition.

– Any expense derived from pregnancy, including diagnosis and follow‑up, and delivery care, except for dystocia or caesarean section in females that are not English Bulldog, French Bulldog, Boston Terrier or Pug.

– Dystocia and caesarean section in English Bulldog, French Bulldog, Boston Terrier or Pug females.

– Costs caused by uterine/ovarian condition in unspayed females aged 8+ at the time of treatment.

– Abortion treatment and its consequences, as well as artificial insemination expenses.

– Aesthetic surgeries or those intended to eliminate defects, as well as procedures used in some breeds to shape ears or tails, and nail removal.

– Dental cleanings and any dental treatments, except those applied to resolve injuries caused by accident.

– Home veterinary care.

– Specific food expenses regardless of cause, as well as all hygiene products such as shampoos, lotions and toothpaste.

– Treatments for behavioural alterations of any cause (e.g. aggressiveness).

– Healthcare after the policy end date, even if originating from illnesses/accidents prior to that date.

– Animal ambulance transport expenses.

– Genetic analysis expenses.

The insured sums described in these special terms are the limits for this guarantee.

Global limit for veterinary care due to illness or accident: 3,000 € / year

• Consultation/visit: 40 € / visit*
• Emergency consultation/visit (night 20–9h, Sundays or holidays): 85 € / visit*
• Prosthesis: 900 € / year
• Oncology treatment and radiotherapy: 1,000€ / year
• 5 rehabilitation/physiotherapy sessions per year
• Euthanasia and body disposal: maximum 150 € for both acts
• Vaccination consultation and vaccines: 40€ / year (maximum together)
• External/internal deworming performed and invoiced by a veterinarian (max 1 act during the life of the policy, in the first year): maximum 15 €

*Consultation refers only to the act of being seen by the vet. Tests to be carried out (imaging, lab…) are covered at 80% up to the annual limit depending on the plan.