{"id":259013,"date":"2026-04-28T14:04:08","date_gmt":"2026-04-28T13:04:08","guid":{"rendered":"https:\/\/huellarte.es\/?page_id=259013"},"modified":"2026-08-14T09:25:46","modified_gmt":"2026-08-14T08:25:46","slug":"calculadora_de_reembolso","status":"publish","type":"page","link":"https:\/\/huellarte.es\/de\/calculadora_de_reembolso\/","title":{"rendered":"Calculadora_de_reembolso"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]        <div class=\"hrc-wrap\" 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app.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/barkibu.com\/es\/seguro-mascotas&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Musky&quot;,\r\n&quot;aliases&quot;:[&quot;Musky&quot;,&quot;Musky Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:80,\r\n&quot;annual_limit&quot;:3000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;],\r\n&quot;claim_tip&quot;:&quot;Verifica carencias y exclusiones.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/musky.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Petplan Espa\u00f1a&quot;,\r\n&quot;aliases&quot;:[&quot;Petplan&quot;,&quot;Pet Plan&quot;,&quot;Petplan 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Verifica el l\u00edmite anual de Vorsorge y condiciones de reembolso.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/de.lassie.co&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Sant\u00e9Vet Premium Deutschland&quot;,\r\n  &quot;aliases&quot;: [&quot;Sant\u00e9Vet Deutschland&quot;, &quot;SanteVet Deutschland&quot;, &quot;Sante Vet&quot;, &quot;Sant\u00e9 Vet&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Adjunta Rechnung veterinaria y documentaci\u00f3n m\u00e9dica. Revisa l\u00edmite anual y Vorsorgebudget.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.santevet.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Hepster Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Hepster&quot;, &quot;Hepster Hund&quot;, &quot;Hepster Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa la modalidad exacta, Selbstbeteiligung y si cubre Vorsorge o solo tratamientos m\u00e9dicos.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.hepster.com&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Figo Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Figo&quot;, &quot;Figo Pet&quot;, &quot;Figo Versicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Sube Rechnung y documentaci\u00f3n m\u00e9dica. Confirma porcentaje exacto seg\u00fan tarifa.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/figopet.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Uelzener Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Uelzener&quot;, &quot;\u00dclzener&quot;, &quot;Uelzener Hundeversicherung&quot;, &quot;Uelzener Katzenversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Uelzener comunica hasta 100% de Kosten\u00fcbernahme seg\u00fan tarifa. Revisa GOT-Satz, OP\/Vollschutz y Nachbehandlung.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/uelzener.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Allianz Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Allianz&quot;, &quot;Allianz Hund&quot;, &quot;Allianz Katze&quot;, &quot;Allianz Tier&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 10000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Verifica tarifa, Selbstbehalt y si tu p\u00f3liza cubre Vorsorge, Zahn y OP-Nachbehandlung.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.allianz.de\/gesundheit\/tierkrankenversicherung\/&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;DA Direkt Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;DA Direkt&quot;, &quot;DA Direkt Tier&quot;, &quot;DA Direkt Hund&quot;, &quot;DA Direkt Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;DA Direkt comunica hasta 100% Kostenerstattung. Confirma tarifa, l\u00edmites y carencias.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.da-direkt.de\/tierversicherung&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Deutsche Familienversicherung Tierkrankenschutz 100&quot;,\r\n  &quot;aliases&quot;: [&quot;DFV&quot;, &quot;Deutsche Familienversicherung&quot;, &quot;DFV Tierkrankenschutz&quot;, &quot;Tierkrankenschutz 100&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa si tu tarifa es OP-Schutz o Vollschutz. Adjunta Rechnung y diagn\u00f3stico.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.deutsche-familienversicherung.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Dalma Hundekrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Dalma&quot;, &quot;Dalma Hund&quot;, &quot;Dalma Hundeversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma tarifa, l\u00edmite anual y si aplica Selbstbeteiligung. Guarda Rechnung e informe veterinario.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.dalma.co\/de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Petolo Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Petolo&quot;, &quot;Petolo Hund&quot;, &quot;Petolo Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Comprueba si el plan elegido tiene Selbstbehalt o l\u00edmite por Vorsorge.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.petolo.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Petprotect Exklusiv Plus&quot;,\r\n  &quot;aliases&quot;: [&quot;Petprotect&quot;, &quot;Pet Protect&quot;, &quot;Petprotect Exklusiv&quot;, &quot;Petprotect Barmenia&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Petprotect suele estar asociado a productos de Barmenia. Verifica la modalidad exacta y l\u00edmites.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.petprotect.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;die Bayerische Tierkrankenversicherung Premium Plus&quot;,\r\n  &quot;aliases&quot;: [&quot;die Bayerische&quot;, &quot;Bayerische&quot;, &quot;Bayerische Tier&quot;, &quot;Premium Plus Bayerische&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma Selbstbeteiligung, GOT-Satz y l\u00edmites de Vorsorge seg\u00fan tarifa.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.diebayerische.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;ARAG TierProtect Premium&quot;,\r\n  &quot;aliases&quot;: [&quot;ARAG&quot;, &quot;ARAG TierProtect&quot;, &quot;TierProtect Premium&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa condiciones para OP, Zahn, GOT-Satz y tratamientos ambulatorios.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.arag.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Helvetia Tierkrankenversicherung Komfort&quot;,\r\n  &quot;aliases&quot;: [&quot;Helvetia&quot;, &quot;Helvetia Komfort&quot;, &quot;Helvetia Tier&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Verifica modalidad Komfort\/Premium, Selbstbehalt y l\u00edmites por tratamiento.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.helvetia.com\/de\/web\/de\/privatkunden\/versicherungen\/tierversicherung.html&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Gothaer Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Gothaer&quot;, &quot;Gothaer Tier&quot;, &quot;Gothaer Hund&quot;, &quot;Gothaer Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa carencias, l\u00edmites, GOT-Satz y si la tarifa es OP o Vollschutz.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.gothaer.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Balunos Gold&quot;,\r\n  &quot;aliases&quot;: [&quot;Balunos&quot;, &quot;Balunos Gold&quot;, &quot;Balunos Tierkrankenversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Datos orientativos. Confirma condiciones actuales, Selbstbeteiligung y l\u00edmites anuales.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.balunos.com&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Panda Krankenvollschutz Exklusiv&quot;,\r\n  &quot;aliases&quot;: [&quot;Panda&quot;, &quot;Panda Versicherung&quot;, &quot;Panda Krankenvollschutz&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Datos orientativos. Revisa modalidad exacta, carencias y condiciones por edad\/raza.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.panda.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;SmartPaws Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;SmartPaws&quot;, &quot;Smart Paws&quot;, &quot;SmartPaws Hund&quot;, &quot;SmartPaws Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma tarifa, Selbstbehalt y si cubre Vorsorge. Adjunta Rechnung y diagn\u00f3stico.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.smartpaws.de&quot;\r\n}\r\n]'>\n            <div class=\"hrc-card\">\n                <div class=\"hrc-eyebrow\">Club Huellarte<\/div>\n                <h2>Calculadora de Reembolso para Seguro de Mascotas<\/h2>\n                <p class=\"hrc-intro\">Calcula cu\u00e1nto podr\u00edas recuperar de una factura veterinaria y compara opciones seg\u00fan tu pa\u00eds.<\/p>\n\n                <div class=\"hrc-grid\">\n                    <label>Pa\u00eds\n                        <select class=\"hrc-country\">\n                            <option value=\"\">Selecciona tu pa\u00eds<\/option>\n                        <\/select>\n                    <\/label>\n\n                    <label class=\"hrc-autocomplete-label\">Nombre de tu seguro\n                        <input class=\"hrc-insurer\" type=\"text\" placeholder=\"Empieza a escribir: AXA, Sant\u00e9Vet, Barkibu...\" autocomplete=\"off\">\n                        <div class=\"hrc-suggestions\"><\/div>\n                    <\/label>\n\n                    <label>Factura veterinaria\n                        <input class=\"hrc-bill\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"Ej: 850\">\n                    <\/label>\n\n                    <label>Tipo de problema tratado\n                        <select class=\"hrc-treatment\">\n                            <option value=\"accidente\">Accidente<\/option>\n                            <option value=\"enfermedad\">Enfermedad<\/option>\n                            <option value=\"cirugia\">Cirug\u00eda<\/option>\n                            <option value=\"urgencia\">Urgencia<\/option>\n                            <option value=\"medicacion\">Medicaci\u00f3n<\/option>\n                            <option value=\"preventivo\">Preventivo \/ rutina<\/option>\n                        <\/select>\n                    <\/label>\n                <\/div>\n\n                <button class=\"hrc-btn\" type=\"button\">Calcular reembolso<\/button>\n                <div class=\"hrc-results\" aria-live=\"polite\"><\/div>\n\n                <p class=\"hrc-disclaimer\">\n                    Estimaci\u00f3n orientativa. Cada p\u00f3liza puede tener exclusiones, carencias, l\u00edmites, franquicias y condiciones espec\u00edficas. No sustituye la revisi\u00f3n oficial de tu aseguradora.\n                <\/p>\n            <\/div>\n        <\/div>\n\n        <style>\n        .hrc-wrap{max-width:980px;margin:30px auto;font-family:Inter,Arial,sans-serif;color:#3a332d}\n        .hrc-card{background:linear-gradient(135deg,#fffaf3,#f6efe6);border:1px solid #eadfce;border-radius:28px;padding:28px;box-shadow:0 18px 50px rgba(80,60,40,.12)}\n        .hrc-eyebrow{text-transform:uppercase;letter-spacing:.12em;color:#a78752;font-weight:700;font-size:12px;margin-bottom:8px}\n        .hrc-card h2{font-size:clamp(26px,4vw,42px);margin:0 0 10px;color:#2d2722;line-height:1.08}\n        .hrc-intro{font-size:16px;max-width:720px;color:#6f655b}\n        .hrc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:24px 0}\n        .hrc-grid label{font-weight:700;font-size:14px;color:#4e443b}\n        .hrc-grid input,.hrc-grid select{width:100%;box-sizing:border-box;margin-top:7px;border:1px solid #d8c9b8;border-radius:16px;padding:13px 14px;background:#fff;color:#2d2722;font-size:15px}\n        .hrc-autocomplete-label{position:relative}\n        .hrc-suggestions{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;border:1px solid #eadfce;border-radius:16px;box-shadow:0 14px 30px rgba(80,60,40,.16);z-index:50;overflow:hidden;max-height:240px;overflow-y:auto}\n        .hrc-suggestion{padding:12px 14px;cursor:pointer;border-bottom:1px solid #f2eadf}\n        .hrc-suggestion:hover{background:#fff7eb}\n        .hrc-suggestion small{display:block;color:#7d736a;margin-top:2px;font-weight:500}\n        .hrc-btn{background:#2d2722;color:#fff;border:0;border-radius:999px;padding:14px 24px;font-weight:800;cursor:pointer;box-shadow:0 12px 24px rgba(45,39,34,.22)}\n        .hrc-results{margin-top:24px}\n        .hrc-result-main{background:#fff;border:1px solid #eadfce;border-radius:22px;padding:20px;margin-bottom:16px}\n        .hrc-money{font-size:34px;font-weight:900;color:#2d2722}\n        .hrc-muted{color:#73685e}\n        .hrc-comparison{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}\n        .hrc-plan{background:#fff;border:1px solid #eadfce;border-radius:18px;padding:16px}\n        .hrc-plan.best{border-color:#c7a873;box-shadow:0 10px 24px rgba(199,168,115,.2)}\n        .hrc-tag{display:inline-block;background:#efe4d2;color:#755b2e;border-radius:999px;padding:5px 9px;font-size:12px;font-weight:800;margin-bottom:8px}\n        .hrc-warning{background:#fff6dc;border:1px solid #efd28b;border-radius:16px;padding:12px;margin:12px 0;color:#6b531b}\n        .hrc-link-btn{display:inline-flex;align-items:center;justify-content:center;margin-top:10px;background:#2d2722;color:#fff!important;text-decoration:none;border-radius:999px;padding:10px 14px;font-size:13px;font-weight:800;box-shadow:0 8px 18px rgba(45,39,34,.18)}\n        .hrc-link-btn:hover{filter:brightness(1.08);color:#fff!important}\n        .hrc-score{display:flex;align-items:center;gap:8px;margin:10px 0 8px;font-weight:900;color:#2d2722}\n        .hrc-stars{letter-spacing:1px;color:#a78752;font-size:16px}\n        .hrc-score small{font-weight:700;color:#73685e}\n        .hrc-disclaimer{font-size:12px;color:#7d736a;margin-top:20px}\n        @media(max-width:760px){.hrc-grid,.hrc-comparison{grid-template-columns:1fr}.hrc-card{padding:20px;border-radius:22px}.hrc-suggestions{top:74px}}\n        <\/style>\n\n        <script>\n        (function(){\n            function norm(s){ return (s || '').toLowerCase().normalize('NFD').replace(\/[\\u0300-\\u036f]\/g,'').trim(); }\n            function planTerms(plan){\n                var terms = [plan.name || ''];\n                if(Array.isArray(plan.aliases)) terms = terms.concat(plan.aliases);\n                return terms.filter(Boolean);\n            }\n            function similarity(input, plan){\n                var a = norm(input);\n                if(!a) return 0;\n                var best = 0;\n                planTerms(plan).forEach(function(term){\n                    var b = norm(term);\n                    if(!b) return;\n                    if(a === b) best = Math.max(best, 1);\n                    else if(b.includes(a) || a.includes(b)) best = Math.max(best, .95);\n                    else {\n                        var score = 0;\n                        a.split(\/\\s+\/).forEach(function(w){ if(w.length > 1 && b.includes(w)) score += .25; });\n                        best = Math.max(best, Math.min(score, .8));\n                    }\n                });\n                return best;\n            }\n            function money(n,country){\n                var currency = country === 'Estados Unidos' ? 'USD' : '\u20ac';\n                return currency + ' ' + Number(n || 0).toFixed(2);\n            }\n            function huellarteScore(plan){\n                if((plan.plan_type || 'reembolso') === 'asistencia' || Number(plan.reimbursement || 0) <= 0){\n                    return 2.7;\n                }\n                var reimbursement = Math.min(Number(plan.reimbursement || 0), 100) \/ 100;\n                var deductible = Number(plan.deductible || 0);\n                var annualLimit = Number(plan.annual_limit || 0);\n                var coverageCount = Array.isArray(plan.coverage) ? plan.coverage.length : 0;\n\n                var reimbursementScore = reimbursement * 2.0;\n                var deductibleScore = deductible <= 0 ? 1.0 : deductible <= 50 ? 0.85 : deductible <= 100 ? 0.65 : deductible <= 250 ? 0.4 : 0.2;\n                var limitScore = annualLimit >= 5000 || annualLimit >= 999999 ? 1.0 : annualLimit >= 3000 ? 0.8 : annualLimit >= 2000 ? 0.6 : annualLimit >= 1000 ? 0.4 : 0.2;\n                var coverageScore = Math.min(coverageCount \/ 6, 1.0);\n\n                var raw = 1.0 + reimbursementScore + deductibleScore + limitScore + coverageScore;\n                return Math.max(1, Math.min(5, raw));\n            }\n            function scoreStars(score){\n                var rounded = Math.round(score);\n                var s = '';\n                for(var i=1;i<=5;i++){ s += i <= rounded ? '\u2605' : '\u2606'; }\n                return s;\n            }\n            function scoreLabel(score){\n                if(score >= 4.7) return 'Excelente cobertura estimada';\n                if(score >= 4.2) return 'Muy buena opci\u00f3n';\n                if(score >= 3.5) return 'Buena opci\u00f3n';\n                if(score >= 3.0) return 'Cobertura media';\n                return 'Revisar condiciones';\n            }\n            function valueCostScore(plan){\n                if((plan.plan_type || 'reembolso') === 'asistencia' || Number(plan.reimbursement || 0) <= 0) return 0.15;\n                var deductible = Number(plan.deductible || 0);\n                var annualLimit = Number(plan.annual_limit || 0);\n                var coverageCount = Array.isArray(plan.coverage) ? plan.coverage.length : 0;\n                var monthlyPrice = Number(plan.monthly_price || plan.price_monthly || 0);\n                var coverageBreadth = Math.min(coverageCount \/ 6, 1);\n                var deductibleFactor = deductible <= 0 ? 1 : deductible <= 50 ? .85 : deductible <= 100 ? .65 : deductible <= 250 ? .42 : .22;\n                var limitFactor = annualLimit >= 999999 || annualLimit >= 5000 ? 1 : annualLimit >= 3000 ? .78 : annualLimit >= 2000 ? .58 : annualLimit >= 1000 ? .38 : .2;\n                var baseValue = (coverageBreadth * .35) + (deductibleFactor * .35) + (limitFactor * .30);\n                if(monthlyPrice > 0){\n                    var priceFactor = monthlyPrice <= 20 ? 1 : monthlyPrice <= 35 ? .82 : monthlyPrice <= 50 ? .64 : monthlyPrice <= 70 ? .45 : .28;\n                    baseValue = (baseValue * .7) + (priceFactor * .3);\n                }\n                return Math.max(0, Math.min(1, baseValue));\n            }\n            function weightedRank(plan, calcResult, bill){\n                var reimbursementFactor = bill > 0 ? Math.max(0, Math.min(1, Number(calcResult.reimbursement || 0) \/ bill)) : 0;\n                var trustFactor = huellarteScore(plan) \/ 5;\n                var valueFactor = valueCostScore(plan);\n                return (reimbursementFactor * 60) + (trustFactor * 25) + (valueFactor * 15);\n            }\n            function calc(plan,bill,treatment){\n                var planType = plan.plan_type || 'reembolso';\n                if(planType === 'asistencia' || Number(plan.reimbursement || 0) <= 0){\n                    return {covered:false,reimbursement:0,outOfPocket:bill,assistance:true};\n                }\n                var covered = (plan.coverage || []).includes(treatment);\n                if(!covered) return {covered:false,reimbursement:0,outOfPocket:bill,assistance:false};\n                var afterDeductible = Math.max(0, bill - Number(plan.deductible || 0));\n                var reimbursement = afterDeductible * (Number(plan.reimbursement || 0)\/100);\n                reimbursement = Math.min(reimbursement, Number(plan.annual_limit || reimbursement));\n                return {covered:true,reimbursement:reimbursement,outOfPocket:Math.max(0,bill-reimbursement),assistance:false};\n            }\n\n            document.querySelectorAll('.hrc-wrap').forEach(function(wrap){\n                var plans=[];\n                try { plans = JSON.parse(wrap.dataset.plans || '[]'); } catch(e) { plans=[]; }\n\n                var countrySel=wrap.querySelector('.hrc-country');\n                var insurerInput=wrap.querySelector('.hrc-insurer');\n                var suggestions=wrap.querySelector('.hrc-suggestions');\n                var billInput=wrap.querySelector('.hrc-bill');\n                var treatmentSel=wrap.querySelector('.hrc-treatment');\n                var results=wrap.querySelector('.hrc-results');\n                var btn=wrap.querySelector('.hrc-btn');\n\n                Array.from(new Set(plans.map(function(p){return p.country;}))).sort().forEach(function(c){\n                    var opt=document.createElement('option'); opt.value=c; opt.textContent=c; countrySel.appendChild(opt);\n                });\n\n                function currentCountryPlans(){\n                    return plans.filter(function(p){ return p.country === countrySel.value; });\n                }\n\n                function renderSuggestions(){\n                    var q = insurerInput.value;\n                    var countryPlans = currentCountryPlans();\n                    if(!countrySel.value || !q || q.length < 1){\n                        suggestions.style.display='none';\n                        suggestions.innerHTML='';\n                        return;\n                    }\n                    var matches = countryPlans.map(function(p){\n                        return {plan:p, score:similarity(q,p)};\n                    }).filter(function(x){ return x.score > .15; })\n                      .sort(function(a,b){ return b.score-a.score; })\n                      .slice(0,8);\n\n                    if(!matches.length){\n                        suggestions.style.display='none';\n                        suggestions.innerHTML='';\n                        return;\n                    }\n\n                    suggestions.innerHTML = matches.map(function(x){\n                        var aliases = Array.isArray(x.plan.aliases) ? x.plan.aliases.slice(0,3).join(', ') : '';\n                        var type = x.plan.plan_type === 'asistencia' ? 'Asistencia \/ cuadro veterinario' : 'Reembolso estimado';\n                        return '<div class=\"hrc-suggestion\" data-name=\"'+String(x.plan.name).replace(\/\"\/g,'&quot;')+'\"><strong>'+x.plan.name+'<\/strong><small>'+type+(aliases ? ' \u00b7 tambi\u00e9n: '+aliases : '')+'<\/small><\/div>';\n                    }).join('');\n                    suggestions.style.display='block';\n                }\n\n                insurerInput.addEventListener('input', renderSuggestions);\n                countrySel.addEventListener('change', function(){\n                    insurerInput.value='';\n                    suggestions.style.display='none';\n                    results.innerHTML='';\n                });\n                suggestions.addEventListener('click', function(e){\n                    var item=e.target.closest('.hrc-suggestion');\n                    if(!item) return;\n                    insurerInput.value=item.getAttribute('data-name');\n                    suggestions.style.display='none';\n                });\n                document.addEventListener('click', function(e){\n                    if(!wrap.contains(e.target)) suggestions.style.display='none';\n                });\n\n                btn.addEventListener('click', function(){\n                    var country=countrySel.value;\n                    var insurer=insurerInput.value;\n                    var bill=Number(billInput.value || 0);\n                    var treatment=treatmentSel.value;\n\n                    if(!country || !bill){\n                        results.innerHTML='<div class=\"hrc-result-main\"><strong>Faltan datos.<\/strong><br>Selecciona pa\u00eds e introduce el importe de la factura.<\/div>';\n                        return;\n                    }\n\n                    var countryPlans=currentCountryPlans();\n                    var matched=countryPlans.map(function(p){ return {plan:p,score:similarity(insurer,p)}; }).sort(function(a,b){ return b.score-a.score; })[0];\n                    if(!matched || matched.score < 0.25) matched={plan:null,score:0};\n\n                    var html='';\n                    if(matched.plan){\n                        var c=calc(matched.plan,bill,treatment);\n                        html += '<div class=\"hrc-result-main\">';\n                        html += '<div class=\"hrc-tag\">Seguro detectado: '+matched.plan.name+'<\/div>';\n                        var mainScore = huellarteScore(matched.plan);\n                        html += '<div class=\"hrc-score\"><span class=\"hrc-stars\">'+scoreStars(mainScore)+'<\/span><span>'+mainScore.toFixed(1)+'\/5<\/span><small>'+scoreLabel(mainScore)+'<\/small><\/div>';\n                        html += '<h3>Reembolso estimado<\/h3>';\n                        html += '<div class=\"hrc-money\">'+money(c.reimbursement,country)+'<\/div>';\n                        html += '<p class=\"hrc-muted\">Deducible: '+money(matched.plan.deductible,country)+' \u00b7 Cobertura: '+matched.plan.reimbursement+'% \u00b7 L\u00edmite anual: '+(matched.plan.annual_limit>=999999?'sin l\u00edmite declarado':money(matched.plan.annual_limit,country))+'<\/p>';\n                        html += '<p><strong>Tu coste estimado:<\/strong> '+money(c.outOfPocket,country)+'<\/p>';\n                        if(c.assistance){\n                            html += '<div class=\"hrc-warning\"><strong>Atenci\u00f3n:<\/strong> este seguro parece funcionar como asistencia veterinaria\/cuadro m\u00e9dico, no como reembolso libre est\u00e1ndar. El c\u00e1lculo aparece en 0\u20ac para evitar prometer un reembolso que puede no aplicar.<\/div>';\n                        } else if(!c.covered){\n                            html += '<div class=\"hrc-warning\"><strong>Atenci\u00f3n:<\/strong> este tipo de tratamiento no aparece como cubierto en la base actual.<\/div>';\n                        }\n                        html += '<p><strong>Consejo para reclamar:<\/strong> '+(matched.plan.claim_tip || 'Guarda factura detallada e informe veterinario.')+'<\/p>';\n                        var mainUrl = matched.plan.affiliate_url || matched.plan.url || '';\n                        if(mainUrl){ html += '<a class=\"hrc-link-btn\" href=\"'+mainUrl+'\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Ver seguro recomendado<\/a>'; }\n                        html += '<\/div>';\n                    } else {\n                        html += '<div class=\"hrc-result-main\"><strong>No encontr\u00e9 coincidencia clara con ese seguro.<\/strong><br>Te muestro comparativas disponibles para '+country+'.<\/div>';\n                    }\n\n                    var compared=countryPlans.map(function(p){\n                        var c = calc(p,bill,treatment);\n                        return {p:p,c:c,rank:weightedRank(p,c,bill)};\n                    }).sort(function(a,b){ return b.rank-a.rank; });\n\n                    html += '<h3>Comparaci\u00f3n inteligente: reembolso + confianza + valor<\/h3><div class=\"hrc-comparison\">';\n                    compared.forEach(function(x,i){\n                        html += '<div class=\"hrc-plan '+(i===0?'best':'')+'\">';\n                        if(i===0) html += '<div class=\"hrc-tag\">Mejor valor real<\/div>';\n                        html += '<strong>'+x.p.name+'<\/strong>';\n                        var cardScore = huellarteScore(x.p);\n                        html += '<div class=\"hrc-score\"><span class=\"hrc-stars\">'+scoreStars(cardScore)+'<\/span><span>'+cardScore.toFixed(1)+'\/5<\/span><\/div>';\n                        html += '<p class=\"hrc-money\" style=\"font-size:24px\">'+money(x.c.reimbursement,country)+'<\/p>';\n                        html += '<p class=\"hrc-muted\">'+x.p.reimbursement+'% \u00b7 Deducible '+money(x.p.deductible,country)+'<\/p>';\n                        html += '<p class=\"hrc-muted\" style=\"font-size:12px\">Ranking Huellarte: '+x.rank.toFixed(0)+'\/100<\/p>';\n                        if(x.c.assistance) html += '<small>Asistencia\/cuadro veterinario<\/small>';\n                        var planUrl = x.p.affiliate_url || x.p.url || '';\n                        if(planUrl){ html += '<br><a class=\"hrc-link-btn\" href=\"'+planUrl+'\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Ver seguro<\/a>'; }\n                        html += '<\/div>';\n                    });\n                    html += '<\/div>';\n\n                    html += '<div class=\"hrc-result-main\" style=\"margin-top:16px\"><strong>Pr\u00f3ximo paso recomendado:<\/strong><br>El Trust Score Huellarte es una puntuaci\u00f3n orientativa calculada con porcentaje de reembolso, deducible, l\u00edmite anual y amplitud de coberturas. Antes de cambiar de seguro, revisa carencias, exclusiones por condici\u00f3n preexistente, edad de la mascota, l\u00edmites por tratamiento y si el plan cubre enfermedades cr\u00f3nicas.<\/div>';\n                    results.innerHTML=html;\n                });\n            });\n        })();\n        <\/script>\n        [\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_column _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243;][et_pb_accordion _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 calcula esta calculadora?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; open=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>La calculadora estima cu\u00e1nto dinero podr\u00edas recuperar de tu seguro veterinario seg\u00fan el importe de la factura, el porcentaje de cobertura contratado, la franquicia y los l\u00edmites anuales del seguro. El resultado es una estimaci\u00f3n orientativa y puede variar seg\u00fan las condiciones espec\u00edficas de tu p\u00f3liza.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfEl resultado es exacto?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; open=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>No. El c\u00e1lculo es una estimaci\u00f3n basada en la informaci\u00f3n introducida. La cantidad definitiva depender\u00e1 de las condiciones particulares de tu compa\u00f1\u00eda aseguradora y de la resoluci\u00f3n final del expediente.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 gastos suelen ser reembolsables?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p data-start=\"2386\" data-end=\"2415\" class=\"PDq2pG_selectionAnchorContainer\">Habitualmente pueden incluir:<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<ul data-start=\"2417\" data-end=\"2579\">\n<li data-section-id=\"ouizfb\" data-start=\"2417\" data-end=\"2442\">Consultas veterinarias.<\/li>\n<li data-section-id=\"7pgd9v\" data-start=\"2443\" data-end=\"2454\">Cirug\u00edas.<\/li>\n<li data-section-id=\"iun4lz\" data-start=\"2455\" data-end=\"2473\">Hospitalizaci\u00f3n.<\/li>\n<li data-section-id=\"1x1p0b1\" data-start=\"2474\" data-end=\"2497\">Pruebas diagn\u00f3sticas.<\/li>\n<li data-section-id=\"yz19aj\" data-start=\"2498\" data-end=\"2524\">Medicamentos prescritos.<\/li>\n<li data-section-id=\"16cowtk\" data-start=\"2525\" data-end=\"2579\">Tratamientos derivados de accidentes o enfermedades.<\/li>\n<\/ul>\n<p data-start=\"2581\" data-end=\"2645\">Cada aseguradora establece sus propias coberturas y exclusiones.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 gastos normalmente no cubre un seguro?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p data-start=\"2700\" data-end=\"2731\" class=\"PDq2pG_selectionAnchorContainer\">En muchos casos no se incluyen:<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<ul data-start=\"2733\" data-end=\"2877\">\n<li data-section-id=\"150e7b\" data-start=\"2733\" data-end=\"2754\">Vacunas rutinarias.<\/li>\n<li data-section-id=\"qdcs2s\" data-start=\"2755\" data-end=\"2775\">Desparasitaciones.<\/li>\n<li data-section-id=\"1i5t98a\" data-start=\"2776\" data-end=\"2807\">Esterilizaciones preventivas.<\/li>\n<li data-section-id=\"2y5oau\" data-start=\"2808\" data-end=\"2823\">Alimentaci\u00f3n.<\/li>\n<li data-section-id=\"111oc8h\" data-start=\"2824\" data-end=\"2847\">Productos de higiene.<\/li>\n<li data-section-id=\"gsw17i\" data-start=\"2848\" data-end=\"2877\">Enfermedades preexistentes.<\/li>\n<\/ul>\n<p data-start=\"2879\" data-end=\"2940\">Es recomendable revisar siempre las condiciones de la p\u00f3liza.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 significa la franquicia?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>La franquicia es la cantidad que el propietario debe asumir antes de que el seguro empiece a reembolsar los gastos. Por ejemplo, con una franquicia de 50 \u20ac y una factura de 300 \u20ac, el seguro calcular\u00e1 el reembolso sobre los 250 \u20ac restantes, seg\u00fan el porcentaje de cobertura contratado.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 es el porcentaje de cobertura?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Es el porcentaje que la aseguradora devuelve una vez descontada la franquicia. Un seguro con cobertura del 80 % significa que el propietario asumir\u00e1 el 20 % restante de los gastos cubiertos.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 ocurre si supero el l\u00edmite anual?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Cada seguro establece un importe m\u00e1ximo de reembolso por a\u00f1o. Una vez alcanzado ese l\u00edmite, los gastos adicionales deber\u00e1n ser asumidos por el propietario hasta la renovaci\u00f3n del periodo de cobertura.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfCu\u00e1nto tarda un reembolso?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Depende de la aseguradora. Normalmente el proceso puede durar desde unos pocos d\u00edas hasta varias semanas despu\u00e9s de presentar toda la documentaci\u00f3n requerida.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfQu\u00e9 documentos necesito para solicitar un reembolso?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p data-start=\"4014\" data-end=\"4038\" class=\"PDq2pG_selectionAnchorContainer\">Normalmente se solicita:<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<ul data-start=\"4040\" data-end=\"4192\">\n<li data-section-id=\"ymg5nj\" data-start=\"4040\" data-end=\"4066\">Factura del veterinario.<\/li>\n<li data-section-id=\"wocv4w\" data-start=\"4067\" data-end=\"4099\">Informe cl\u00ednico o diagn\u00f3stico.<\/li>\n<li data-section-id=\"1xhz1dp\" data-start=\"4100\" data-end=\"4146\">Formulario de reclamaci\u00f3n de la aseguradora.<\/li>\n<li data-section-id=\"avtewv\" data-start=\"4147\" data-end=\"4192\">Justificante de pago, cuando sea necesario.<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfPuedo presentar varias facturas?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>S\u00ed. La mayor\u00eda de aseguradoras permiten presentar m\u00faltiples reclamaciones siempre que las coberturas contratadas sigan disponibles y no se haya alcanzado el l\u00edmite anual.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfC\u00f3mo puedo aumentar las posibilidades de que acepten mi reclamaci\u00f3n?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li data-section-id=\"t4uwfq\" data-start=\"4488\" data-end=\"4531\">Conserva siempre las facturas originales.<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/li>\n<li data-section-id=\"1akp723\" data-start=\"4532\" data-end=\"4576\">Solicita informes veterinarios detallados.<\/li>\n<li data-section-id=\"jpn3js\" data-start=\"4577\" data-end=\"4622\">Presenta la documentaci\u00f3n lo antes posible.<\/li>\n<li data-section-id=\"vq3s6r\" data-start=\"4623\" data-end=\"4681\">Comprueba que el tratamiento est\u00e1 incluido en tu p\u00f3liza.<\/li>\n<li data-section-id=\"1k02glg\" data-start=\"4682\" data-end=\"4729\">Revisa que no existan exclusiones aplicables.<\/li>\n<\/ul>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;\u00bfC\u00f3mo elige Huellarte el seguro recomendado?&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p data-start=\"4785\" data-end=\"4845\" class=\"PDq2pG_selectionAnchorContainer\">Nuestra comparativa analiza m\u00faltiples factores, entre ellos:<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<ul data-start=\"4847\" data-end=\"5033\">\n<li data-section-id=\"6z8tlm\" data-start=\"4847\" data-end=\"4873\">Porcentaje de reembolso.<\/li>\n<li data-section-id=\"93yoij\" data-start=\"4874\" data-end=\"4887\">Franquicia.<\/li>\n<li data-section-id=\"lyj9s5\" data-start=\"4888\" data-end=\"4903\">L\u00edmite anual.<\/li>\n<li data-section-id=\"xje88y\" data-start=\"4904\" data-end=\"4930\">Relaci\u00f3n calidad-precio.<\/li>\n<li data-section-id=\"1sfg49f\" data-start=\"4931\" data-end=\"4955\">Opiniones verificadas.<\/li>\n<li data-section-id=\"vu416j\" data-start=\"4956\" data-end=\"4997\">Facilidad para gestionar reclamaciones.<\/li>\n<li data-section-id=\"10j96fk\" data-start=\"4998\" data-end=\"5033\">Valor global para el propietario.<\/li>\n<\/ul>\n<p data-start=\"5035\" data-end=\"5119\">El objetivo es ayudarte a encontrar la opci\u00f3n m\u00e1s equilibrada seg\u00fan tus necesidades.<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>        <div class=\"hrc-wrap\" data-plans='[\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;AXA Light&quot;,\r\n&quot;aliases&quot;:[&quot;AXA&quot;,&quot;AXA Mascotas&quot;,&quot;AXA Seguro Veterinario&quot;,&quot;AXA Light&quot;],\r\n&quot;deductible&quot;:20,\r\n&quot;reimbursement&quot;:50,\r\n&quot;annual_limit&quot;:2000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Gestiona el reembolso desde MyAXA.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.axa.es\/seguros-veterinario-perros-gatos&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;AXA Confort&quot;,\r\n&quot;aliases&quot;:[&quot;AXA Confort&quot;,&quot;AXA Mascotas Confort&quot;],\r\n&quot;deductible&quot;:50,\r\n&quot;reimbursement&quot;:70,\r\n&quot;annual_limit&quot;:3500,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Factura detallada + solicitud de reembolso.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.axa.es\/seguros-veterinario-perros-gatos&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;AXA Premium&quot;,\r\n&quot;aliases&quot;:[&quot;AXA Premium&quot;,&quot;AXA Mascotas Premium&quot;],\r\n&quot;deductible&quot;:70,\r\n&quot;reimbursement&quot;:90,\r\n&quot;annual_limit&quot;:5000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Modalidad premium con hasta 90% reembolso.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.axa.es\/seguros-veterinario-perros-gatos&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Sant\u00e9Vet Light&quot;,\r\n&quot;aliases&quot;:[&quot;SanteVet&quot;,&quot;Sant\u00e9Vet&quot;,&quot;Sante Vet&quot;,&quot;Sant\u00e9 Vet&quot;,&quot;Sant\u00e9Vet Light&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:50,\r\n&quot;annual_limit&quot;:1200,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Gestiona reclamaciones desde app.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.santevet.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Sant\u00e9Vet Confort&quot;,\r\n&quot;aliases&quot;:[&quot;Sant\u00e9Vet Confort&quot;,&quot;SanteVet Confort&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:70,\r\n&quot;annual_limit&quot;:2500,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Incluye reembolso y prevenci\u00f3n seg\u00fan modalidad.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.santevet.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Sant\u00e9Vet Premium&quot;,\r\n&quot;aliases&quot;:[&quot;Sant\u00e9Vet Premium&quot;,&quot;SanteVet Premium&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:90,\r\n&quot;annual_limit&quot;:5000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Hasta 90% reembolso.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.santevet.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Barkibu&quot;,\r\n&quot;aliases&quot;:[&quot;Barkibu&quot;,&quot;Barkibu Pet Insurance&quot;,&quot;Barkibu Seguro Veterinario&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:80,\r\n&quot;annual_limit&quot;:3000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;,&quot;preventivo&quot;],\r\n&quot;claim_tip&quot;:&quot;Reclamaci\u00f3n desde app.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/barkibu.com\/es\/seguro-mascotas&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Musky&quot;,\r\n&quot;aliases&quot;:[&quot;Musky&quot;,&quot;Musky Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:80,\r\n&quot;annual_limit&quot;:3000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;],\r\n&quot;claim_tip&quot;:&quot;Verifica carencias y exclusiones.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/musky.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Petplan Espa\u00f1a&quot;,\r\n&quot;aliases&quot;:[&quot;Petplan&quot;,&quot;Pet Plan&quot;,&quot;Petplan Espa\u00f1a&quot;],\r\n&quot;deductible&quot;:45,\r\n&quot;reimbursement&quot;:100,\r\n&quot;annual_limit&quot;:3100,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;],\r\n&quot;claim_tip&quot;:&quot;Verifica condiciones vigentes.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.petplan.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Sanitas Salud Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Sanitas&quot;,&quot;Sanitas Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:80,\r\n&quot;annual_limit&quot;:2500,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;,&quot;medicacion&quot;],\r\n&quot;claim_tip&quot;:&quot;Adjunta factura e informe veterinario.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.sanitas.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Mapfre Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Mapfre&quot;,&quot;MAPFRE&quot;,&quot;Mapfre Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:20,\r\n&quot;annual_limit&quot;:2000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Verifica modalidad contratada.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.mapfre.es\/particulares\/seguros-para-perros\/&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Santaluc\u00eda Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Santalucia&quot;,&quot;Santaluc\u00eda&quot;,&quot;Santa Luc\u00eda&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:50,\r\n&quot;annual_limit&quot;:1000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;urgencia&quot;,&quot;cirugia&quot;],\r\n&quot;claim_tip&quot;:&quot;Comprueba coberturas veterinarias activas.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.santalucia.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;SegurCaixa Adeslas Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Adeslas&quot;,&quot;SegurCaixa&quot;,&quot;Adeslas Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:0,\r\n&quot;annual_limit&quot;:0,\r\n&quot;coverage&quot;:[&quot;preventivo&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Modelo de asistencia con cuadro veterinario.&quot;,\r\n&quot;plan_type&quot;:&quot;asistencia&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.segurcaixaadeslas.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;ASISA Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Asisa&quot;,&quot;ASISA&quot;,&quot;Asisa Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:0,\r\n&quot;annual_limit&quot;:0,\r\n&quot;coverage&quot;:[&quot;preventivo&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Asistencia veterinaria y servicios concertados.&quot;,\r\n&quot;plan_type&quot;:&quot;asistencia&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.asisa.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Allianz Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Allianz&quot;,&quot;Allianz Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:0,\r\n&quot;annual_limit&quot;:0,\r\n&quot;coverage&quot;:[&quot;preventivo&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Verifica si incluye reembolso.&quot;,\r\n&quot;plan_type&quot;:&quot;asistencia&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.allianz.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Caser Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Caser&quot;,&quot;Caser Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:0,\r\n&quot;annual_limit&quot;:0,\r\n&quot;coverage&quot;:[&quot;preventivo&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Consulta condiciones particulares.&quot;,\r\n&quot;plan_type&quot;:&quot;asistencia&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.caser.es&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Kivet Seguro Mascotas&quot;,\r\n&quot;aliases&quot;:[&quot;Kivet&quot;,&quot;Kivet Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:0,\r\n&quot;annual_limit&quot;:0,\r\n&quot;coverage&quot;:[&quot;preventivo&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Modelo basado en red de cl\u00ednicas.&quot;,\r\n&quot;plan_type&quot;:&quot;asistencia&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.kivet.com&quot;\r\n},\r\n\r\n{\r\n&quot;country&quot;:&quot;Espa\u00f1a&quot;,\r\n&quot;name&quot;:&quot;Miwuki Seguro Veterinario&quot;,\r\n&quot;aliases&quot;:[&quot;Miwuki&quot;,&quot;Miwuki Mascotas&quot;],\r\n&quot;deductible&quot;:0,\r\n&quot;reimbursement&quot;:70,\r\n&quot;annual_limit&quot;:2000,\r\n&quot;coverage&quot;:[&quot;accidente&quot;,&quot;enfermedad&quot;,&quot;cirugia&quot;,&quot;urgencia&quot;],\r\n&quot;claim_tip&quot;:&quot;Confirma porcentajes seg\u00fan modalidad.&quot;,\r\n&quot;plan_type&quot;:&quot;reembolso&quot;,\r\n&quot;url&quot;:&quot;https:\/\/www.miwuki.com&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;AGILA Tierkrankenschutz Exklusiv&quot;,\r\n  &quot;aliases&quot;: [&quot;AGILA&quot;, &quot;Agila&quot;, &quot;AGILA Tierkrankenschutz&quot;, &quot;Agila Exklusiv&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 3000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Solicita Rechnung detallada del veterinario con diagn\u00f3stico y tratamiento. Revisa l\u00edmites anuales y GOT-Satz.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.agila.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;HanseMerkur Tierkrankenversicherung Premium&quot;,\r\n  &quot;aliases&quot;: [&quot;HanseMerkur&quot;, &quot;Hanse Merkur&quot;, &quot;HanseMerkur Tierkrankenversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Guarda Rechnung, diagn\u00f3stico y justificante de pago. Verifica si tu tarifa incluye Zahn, Vorsorge Plus o Selbstbeteiligung.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.hansemerkur.de\/haustiere&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Barmenia Tierkrankenversicherung Premium Plus&quot;,\r\n  &quot;aliases&quot;: [&quot;Barmenia&quot;, &quot;Barmenia Premium&quot;, &quot;Barmenia Premium Plus&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa GOT-Satz, l\u00edmites por prevenci\u00f3n y posibles exclusiones por enfermedades previas.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.barmenia.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Lassie Maxi&quot;,\r\n  &quot;aliases&quot;: [&quot;Lassie&quot;, &quot;Lassie Versicherung&quot;, &quot;Lassie Hund&quot;, &quot;Lassie Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Lassie destaca prevenci\u00f3n y gesti\u00f3n digital. Verifica el l\u00edmite anual de Vorsorge y condiciones de reembolso.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/de.lassie.co&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Sant\u00e9Vet Premium Deutschland&quot;,\r\n  &quot;aliases&quot;: [&quot;Sant\u00e9Vet Deutschland&quot;, &quot;SanteVet Deutschland&quot;, &quot;Sante Vet&quot;, &quot;Sant\u00e9 Vet&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Adjunta Rechnung veterinaria y documentaci\u00f3n m\u00e9dica. Revisa l\u00edmite anual y Vorsorgebudget.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.santevet.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Hepster Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Hepster&quot;, &quot;Hepster Hund&quot;, &quot;Hepster Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa la modalidad exacta, Selbstbeteiligung y si cubre Vorsorge o solo tratamientos m\u00e9dicos.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.hepster.com&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Figo Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Figo&quot;, &quot;Figo Pet&quot;, &quot;Figo Versicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Sube Rechnung y documentaci\u00f3n m\u00e9dica. Confirma porcentaje exacto seg\u00fan tarifa.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/figopet.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Uelzener Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Uelzener&quot;, &quot;\u00dclzener&quot;, &quot;Uelzener Hundeversicherung&quot;, &quot;Uelzener Katzenversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Uelzener comunica hasta 100% de Kosten\u00fcbernahme seg\u00fan tarifa. Revisa GOT-Satz, OP\/Vollschutz y Nachbehandlung.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/uelzener.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Allianz Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Allianz&quot;, &quot;Allianz Hund&quot;, &quot;Allianz Katze&quot;, &quot;Allianz Tier&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 10000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Verifica tarifa, Selbstbehalt y si tu p\u00f3liza cubre Vorsorge, Zahn y OP-Nachbehandlung.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.allianz.de\/gesundheit\/tierkrankenversicherung\/&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;DA Direkt Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;DA Direkt&quot;, &quot;DA Direkt Tier&quot;, &quot;DA Direkt Hund&quot;, &quot;DA Direkt Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;DA Direkt comunica hasta 100% Kostenerstattung. Confirma tarifa, l\u00edmites y carencias.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.da-direkt.de\/tierversicherung&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Deutsche Familienversicherung Tierkrankenschutz 100&quot;,\r\n  &quot;aliases&quot;: [&quot;DFV&quot;, &quot;Deutsche Familienversicherung&quot;, &quot;DFV Tierkrankenschutz&quot;, &quot;Tierkrankenschutz 100&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa si tu tarifa es OP-Schutz o Vollschutz. Adjunta Rechnung y diagn\u00f3stico.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.deutsche-familienversicherung.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Dalma Hundekrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Dalma&quot;, &quot;Dalma Hund&quot;, &quot;Dalma Hundeversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma tarifa, l\u00edmite anual y si aplica Selbstbeteiligung. Guarda Rechnung e informe veterinario.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.dalma.co\/de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Petolo Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Petolo&quot;, &quot;Petolo Hund&quot;, &quot;Petolo Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Comprueba si el plan elegido tiene Selbstbehalt o l\u00edmite por Vorsorge.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.petolo.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Petprotect Exklusiv Plus&quot;,\r\n  &quot;aliases&quot;: [&quot;Petprotect&quot;, &quot;Pet Protect&quot;, &quot;Petprotect Exklusiv&quot;, &quot;Petprotect Barmenia&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Petprotect suele estar asociado a productos de Barmenia. Verifica la modalidad exacta y l\u00edmites.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.petprotect.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;die Bayerische Tierkrankenversicherung Premium Plus&quot;,\r\n  &quot;aliases&quot;: [&quot;die Bayerische&quot;, &quot;Bayerische&quot;, &quot;Bayerische Tier&quot;, &quot;Premium Plus Bayerische&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma Selbstbeteiligung, GOT-Satz y l\u00edmites de Vorsorge seg\u00fan tarifa.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.diebayerische.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;ARAG TierProtect Premium&quot;,\r\n  &quot;aliases&quot;: [&quot;ARAG&quot;, &quot;ARAG TierProtect&quot;, &quot;TierProtect Premium&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa condiciones para OP, Zahn, GOT-Satz y tratamientos ambulatorios.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.arag.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Helvetia Tierkrankenversicherung Komfort&quot;,\r\n  &quot;aliases&quot;: [&quot;Helvetia&quot;, &quot;Helvetia Komfort&quot;, &quot;Helvetia Tier&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Verifica modalidad Komfort\/Premium, Selbstbehalt y l\u00edmites por tratamiento.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.helvetia.com\/de\/web\/de\/privatkunden\/versicherungen\/tierversicherung.html&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Gothaer Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;Gothaer&quot;, &quot;Gothaer Tier&quot;, &quot;Gothaer Hund&quot;, &quot;Gothaer Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 80,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Revisa carencias, l\u00edmites, GOT-Satz y si la tarifa es OP o Vollschutz.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.gothaer.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Balunos Gold&quot;,\r\n  &quot;aliases&quot;: [&quot;Balunos&quot;, &quot;Balunos Gold&quot;, &quot;Balunos Tierkrankenversicherung&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Datos orientativos. Confirma condiciones actuales, Selbstbeteiligung y l\u00edmites anuales.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.balunos.com&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;Panda Krankenvollschutz Exklusiv&quot;,\r\n  &quot;aliases&quot;: [&quot;Panda&quot;, &quot;Panda Versicherung&quot;, &quot;Panda Krankenvollschutz&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 90,\r\n  &quot;annual_limit&quot;: 5000,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;],\r\n  &quot;claim_tip&quot;: &quot;Datos orientativos. Revisa modalidad exacta, carencias y condiciones por edad\/raza.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.panda.de&quot;\r\n},\r\n{\r\n  &quot;country&quot;: &quot;Alemania&quot;,\r\n  &quot;name&quot;: &quot;SmartPaws Tierkrankenversicherung&quot;,\r\n  &quot;aliases&quot;: [&quot;SmartPaws&quot;, &quot;Smart Paws&quot;, &quot;SmartPaws Hund&quot;, &quot;SmartPaws Katze&quot;],\r\n  &quot;deductible&quot;: 0,\r\n  &quot;reimbursement&quot;: 100,\r\n  &quot;annual_limit&quot;: 999999,\r\n  &quot;coverage&quot;: [&quot;accidente&quot;, &quot;enfermedad&quot;, &quot;cirugia&quot;, &quot;urgencia&quot;, &quot;medicacion&quot;, &quot;preventivo&quot;],\r\n  &quot;claim_tip&quot;: &quot;Confirma tarifa, Selbstbehalt y si cubre Vorsorge. Adjunta Rechnung y diagn\u00f3stico.&quot;,\r\n  &quot;plan_type&quot;: &quot;reembolso&quot;,\r\n  &quot;url&quot;: &quot;https:\/\/www.smartpaws.de&quot;\r\n}\r\n]'>\n            <div class=\"hrc-card\">\n                <div class=\"hrc-eyebrow\">Club Huellarte<\/div>\n                <h2>Calculadora de Reembolso para Seguro de Mascotas<\/h2>\n                <p class=\"hrc-intro\">Calcula cu\u00e1nto podr\u00edas recuperar de una factura veterinaria y compara opciones seg\u00fan tu pa\u00eds.<\/p>\n\n                <div class=\"hrc-grid\">\n                    <label>Pa\u00eds\n                        <select class=\"hrc-country\">\n                            <option value=\"\">Selecciona tu pa\u00eds<\/option>\n                        <\/select>\n                    <\/label>\n\n                    <label class=\"hrc-autocomplete-label\">Nombre de tu seguro\n                        <input class=\"hrc-insurer\" type=\"text\" placeholder=\"Empieza a escribir: AXA, Sant\u00e9Vet, Barkibu...\" autocomplete=\"off\">\n                        <div class=\"hrc-suggestions\"><\/div>\n                    <\/label>\n\n                    <label>Factura veterinaria\n                        <input class=\"hrc-bill\" type=\"number\" min=\"0\" step=\"0.01\" placeholder=\"Ej: 850\">\n                    <\/label>\n\n                    <label>Tipo de problema tratado\n                        <select class=\"hrc-treatment\">\n                            <option value=\"accidente\">Accidente<\/option>\n                            <option value=\"enfermedad\">Enfermedad<\/option>\n                            <option value=\"cirugia\">Cirug\u00eda<\/option>\n                            <option value=\"urgencia\">Urgencia<\/option>\n                            <option value=\"medicacion\">Medicaci\u00f3n<\/option>\n                            <option value=\"preventivo\">Preventivo \/ rutina<\/option>\n                        <\/select>\n                    <\/label>\n                <\/div>\n\n                <button class=\"hrc-btn\" type=\"button\">Calcular reembolso<\/button>\n                <div class=\"hrc-results\" aria-live=\"polite\"><\/div>\n\n                <p class=\"hrc-disclaimer\">\n                    Estimaci\u00f3n orientativa. Cada p\u00f3liza puede tener exclusiones, carencias, l\u00edmites, franquicias y condiciones espec\u00edficas. No sustituye la revisi\u00f3n oficial de tu aseguradora.\n                <\/p>\n            <\/div>\n        <\/div>\n\n        <style>\n        .hrc-wrap{max-width:980px;margin:30px auto;font-family:Inter,Arial,sans-serif;color:#3a332d}\n        .hrc-card{background:linear-gradient(135deg,#fffaf3,#f6efe6);border:1px solid #eadfce;border-radius:28px;padding:28px;box-shadow:0 18px 50px rgba(80,60,40,.12)}\n        .hrc-eyebrow{text-transform:uppercase;letter-spacing:.12em;color:#a78752;font-weight:700;font-size:12px;margin-bottom:8px}\n        .hrc-card h2{font-size:clamp(26px,4vw,42px);margin:0 0 10px;color:#2d2722;line-height:1.08}\n        .hrc-intro{font-size:16px;max-width:720px;color:#6f655b}\n        .hrc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:24px 0}\n        .hrc-grid label{font-weight:700;font-size:14px;color:#4e443b}\n        .hrc-grid input,.hrc-grid select{width:100%;box-sizing:border-box;margin-top:7px;border:1px solid #d8c9b8;border-radius:16px;padding:13px 14px;background:#fff;color:#2d2722;font-size:15px}\n        .hrc-autocomplete-label{position:relative}\n        .hrc-suggestions{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;border:1px solid #eadfce;border-radius:16px;box-shadow:0 14px 30px rgba(80,60,40,.16);z-index:50;overflow:hidden;max-height:240px;overflow-y:auto}\n        .hrc-suggestion{padding:12px 14px;cursor:pointer;border-bottom:1px solid #f2eadf}\n        .hrc-suggestion:hover{background:#fff7eb}\n        .hrc-suggestion small{display:block;color:#7d736a;margin-top:2px;font-weight:500}\n        .hrc-btn{background:#2d2722;color:#fff;border:0;border-radius:999px;padding:14px 24px;font-weight:800;cursor:pointer;box-shadow:0 12px 24px rgba(45,39,34,.22)}\n        .hrc-results{margin-top:24px}\n        .hrc-result-main{background:#fff;border:1px solid #eadfce;border-radius:22px;padding:20px;margin-bottom:16px}\n        .hrc-money{font-size:34px;font-weight:900;color:#2d2722}\n        .hrc-muted{color:#73685e}\n        .hrc-comparison{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}\n        .hrc-plan{background:#fff;border:1px solid #eadfce;border-radius:18px;padding:16px}\n        .hrc-plan.best{border-color:#c7a873;box-shadow:0 10px 24px rgba(199,168,115,.2)}\n        .hrc-tag{display:inline-block;background:#efe4d2;color:#755b2e;border-radius:999px;padding:5px 9px;font-size:12px;font-weight:800;margin-bottom:8px}\n        .hrc-warning{background:#fff6dc;border:1px solid #efd28b;border-radius:16px;padding:12px;margin:12px 0;color:#6b531b}\n        .hrc-link-btn{display:inline-flex;align-items:center;justify-content:center;margin-top:10px;background:#2d2722;color:#fff!important;text-decoration:none;border-radius:999px;padding:10px 14px;font-size:13px;font-weight:800;box-shadow:0 8px 18px rgba(45,39,34,.18)}\n        .hrc-link-btn:hover{filter:brightness(1.08);color:#fff!important}\n        .hrc-score{display:flex;align-items:center;gap:8px;margin:10px 0 8px;font-weight:900;color:#2d2722}\n        .hrc-stars{letter-spacing:1px;color:#a78752;font-size:16px}\n        .hrc-score small{font-weight:700;color:#73685e}\n        .hrc-disclaimer{font-size:12px;color:#7d736a;margin-top:20px}\n        @media(max-width:760px){.hrc-grid,.hrc-comparison{grid-template-columns:1fr}.hrc-card{padding:20px;border-radius:22px}.hrc-suggestions{top:74px}}\n        <\/style>\n\n        <script>\n        (function(){\n            function norm(s){ return (s || '').toLowerCase().normalize('NFD').replace(\/[\\u0300-\\u036f]\/g,'').trim(); }\n            function planTerms(plan){\n                var terms = [plan.name || ''];\n                if(Array.isArray(plan.aliases)) terms = terms.concat(plan.aliases);\n                return terms.filter(Boolean);\n            }\n            function similarity(input, plan){\n                var a = norm(input);\n                if(!a) return 0;\n                var best = 0;\n                planTerms(plan).forEach(function(term){\n                    var b = norm(term);\n                    if(!b) return;\n                    if(a === b) best = Math.max(best, 1);\n                    else if(b.includes(a) || a.includes(b)) best = Math.max(best, .95);\n                    else {\n                        var score = 0;\n                        a.split(\/\\s+\/).forEach(function(w){ if(w.length > 1 && b.includes(w)) score += .25; });\n                        best = Math.max(best, Math.min(score, .8));\n                    }\n                });\n                return best;\n            }\n            function money(n,country){\n                var currency = country === 'Estados Unidos' ? 'USD' : '\u20ac';\n                return currency + ' ' + Number(n || 0).toFixed(2);\n            }\n            function huellarteScore(plan){\n                if((plan.plan_type || 'reembolso') === 'asistencia' || Number(plan.reimbursement || 0) <= 0){\n                    return 2.7;\n                }\n                var reimbursement = Math.min(Number(plan.reimbursement || 0), 100) \/ 100;\n                var deductible = Number(plan.deductible || 0);\n                var annualLimit = Number(plan.annual_limit || 0);\n                var coverageCount = Array.isArray(plan.coverage) ? plan.coverage.length : 0;\n\n                var reimbursementScore = reimbursement * 2.0;\n                var deductibleScore = deductible <= 0 ? 1.0 : deductible <= 50 ? 0.85 : deductible <= 100 ? 0.65 : deductible <= 250 ? 0.4 : 0.2;\n                var limitScore = annualLimit >= 5000 || annualLimit >= 999999 ? 1.0 : annualLimit >= 3000 ? 0.8 : annualLimit >= 2000 ? 0.6 : annualLimit >= 1000 ? 0.4 : 0.2;\n                var coverageScore = Math.min(coverageCount \/ 6, 1.0);\n\n                var raw = 1.0 + reimbursementScore + deductibleScore + limitScore + coverageScore;\n                return Math.max(1, Math.min(5, raw));\n            }\n            function scoreStars(score){\n                var rounded = Math.round(score);\n                var s = '';\n                for(var i=1;i<=5;i++){ s += i <= rounded ? '\u2605' : '\u2606'; }\n                return s;\n            }\n            function scoreLabel(score){\n                if(score >= 4.7) return 'Excelente cobertura estimada';\n                if(score >= 4.2) return 'Muy buena opci\u00f3n';\n                if(score >= 3.5) return 'Buena opci\u00f3n';\n                if(score >= 3.0) return 'Cobertura media';\n                return 'Revisar condiciones';\n            }\n            function valueCostScore(plan){\n                if((plan.plan_type || 'reembolso') === 'asistencia' || Number(plan.reimbursement || 0) <= 0) return 0.15;\n                var deductible = Number(plan.deductible || 0);\n                var annualLimit = Number(plan.annual_limit || 0);\n                var coverageCount = Array.isArray(plan.coverage) ? plan.coverage.length : 0;\n                var monthlyPrice = Number(plan.monthly_price || plan.price_monthly || 0);\n                var coverageBreadth = Math.min(coverageCount \/ 6, 1);\n                var deductibleFactor = deductible <= 0 ? 1 : deductible <= 50 ? .85 : deductible <= 100 ? .65 : deductible <= 250 ? .42 : .22;\n                var limitFactor = annualLimit >= 999999 || annualLimit >= 5000 ? 1 : annualLimit >= 3000 ? .78 : annualLimit >= 2000 ? .58 : annualLimit >= 1000 ? .38 : .2;\n                var baseValue = (coverageBreadth * .35) + (deductibleFactor * .35) + (limitFactor * .30);\n                if(monthlyPrice > 0){\n                    var priceFactor = monthlyPrice <= 20 ? 1 : monthlyPrice <= 35 ? .82 : monthlyPrice <= 50 ? .64 : monthlyPrice <= 70 ? .45 : .28;\n                    baseValue = (baseValue * .7) + (priceFactor * .3);\n                }\n                return Math.max(0, Math.min(1, baseValue));\n            }\n            function weightedRank(plan, calcResult, bill){\n                var reimbursementFactor = bill > 0 ? Math.max(0, Math.min(1, Number(calcResult.reimbursement || 0) \/ bill)) : 0;\n                var trustFactor = huellarteScore(plan) \/ 5;\n                var valueFactor = valueCostScore(plan);\n                return (reimbursementFactor * 60) + (trustFactor * 25) + (valueFactor * 15);\n            }\n            function calc(plan,bill,treatment){\n                var planType = plan.plan_type || 'reembolso';\n                if(planType === 'asistencia' || Number(plan.reimbursement || 0) <= 0){\n                    return {covered:false,reimbursement:0,outOfPocket:bill,assistance:true};\n                }\n                var covered = (plan.coverage || []).includes(treatment);\n                if(!covered) return {covered:false,reimbursement:0,outOfPocket:bill,assistance:false};\n                var afterDeductible = Math.max(0, bill - Number(plan.deductible || 0));\n                var reimbursement = afterDeductible * (Number(plan.reimbursement || 0)\/100);\n                reimbursement = Math.min(reimbursement, Number(plan.annual_limit || reimbursement));\n                return {covered:true,reimbursement:reimbursement,outOfPocket:Math.max(0,bill-reimbursement),assistance:false};\n            }\n\n            document.querySelectorAll('.hrc-wrap').forEach(function(wrap){\n                var plans=[];\n                try { plans = JSON.parse(wrap.dataset.plans || '[]'); } catch(e) { plans=[]; }\n\n                var countrySel=wrap.querySelector('.hrc-country');\n                var insurerInput=wrap.querySelector('.hrc-insurer');\n                var suggestions=wrap.querySelector('.hrc-suggestions');\n                var billInput=wrap.querySelector('.hrc-bill');\n                var treatmentSel=wrap.querySelector('.hrc-treatment');\n                var results=wrap.querySelector('.hrc-results');\n                var btn=wrap.querySelector('.hrc-btn');\n\n                Array.from(new Set(plans.map(function(p){return p.country;}))).sort().forEach(function(c){\n                    var opt=document.createElement('option'); opt.value=c; opt.textContent=c; countrySel.appendChild(opt);\n                });\n\n                function currentCountryPlans(){\n                    return plans.filter(function(p){ return p.country === countrySel.value; });\n                }\n\n                function renderSuggestions(){\n                    var q = insurerInput.value;\n                    var countryPlans = currentCountryPlans();\n                    if(!countrySel.value || !q || q.length < 1){\n                        suggestions.style.display='none';\n                        suggestions.innerHTML='';\n                        return;\n                    }\n                    var matches = countryPlans.map(function(p){\n                        return {plan:p, score:similarity(q,p)};\n                    }).filter(function(x){ return x.score > .15; })\n                      .sort(function(a,b){ return b.score-a.score; })\n                      .slice(0,8);\n\n                    if(!matches.length){\n                        suggestions.style.display='none';\n                        suggestions.innerHTML='';\n                        return;\n                    }\n\n                    suggestions.innerHTML = matches.map(function(x){\n                        var aliases = Array.isArray(x.plan.aliases) ? x.plan.aliases.slice(0,3).join(', ') : '';\n                        var type = x.plan.plan_type === 'asistencia' ? 'Asistencia \/ cuadro veterinario' : 'Reembolso estimado';\n                        return '<div class=\"hrc-suggestion\" data-name=\"'+String(x.plan.name).replace(\/\"\/g,'&quot;')+'\"><strong>'+x.plan.name+'<\/strong><small>'+type+(aliases ? ' \u00b7 tambi\u00e9n: '+aliases : '')+'<\/small><\/div>';\n                    }).join('');\n                    suggestions.style.display='block';\n                }\n\n                insurerInput.addEventListener('input', renderSuggestions);\n                countrySel.addEventListener('change', function(){\n                    insurerInput.value='';\n                    suggestions.style.display='none';\n                    results.innerHTML='';\n                });\n                suggestions.addEventListener('click', function(e){\n                    var item=e.target.closest('.hrc-suggestion');\n                    if(!item) return;\n                    insurerInput.value=item.getAttribute('data-name');\n                    suggestions.style.display='none';\n                });\n                document.addEventListener('click', function(e){\n                    if(!wrap.contains(e.target)) suggestions.style.display='none';\n                });\n\n                btn.addEventListener('click', function(){\n                    var country=countrySel.value;\n                    var insurer=insurerInput.value;\n                    var bill=Number(billInput.value || 0);\n                    var treatment=treatmentSel.value;\n\n                    if(!country || !bill){\n                        results.innerHTML='<div class=\"hrc-result-main\"><strong>Faltan datos.<\/strong><br>Selecciona pa\u00eds e introduce el importe de la factura.<\/div>';\n                        return;\n                    }\n\n                    var countryPlans=currentCountryPlans();\n                    var matched=countryPlans.map(function(p){ return {plan:p,score:similarity(insurer,p)}; }).sort(function(a,b){ return b.score-a.score; })[0];\n                    if(!matched || matched.score < 0.25) matched={plan:null,score:0};\n\n                    var html='';\n                    if(matched.plan){\n                        var c=calc(matched.plan,bill,treatment);\n                        html += '<div class=\"hrc-result-main\">';\n                        html += '<div class=\"hrc-tag\">Seguro detectado: '+matched.plan.name+'<\/div>';\n                        var mainScore = huellarteScore(matched.plan);\n                        html += '<div class=\"hrc-score\"><span class=\"hrc-stars\">'+scoreStars(mainScore)+'<\/span><span>'+mainScore.toFixed(1)+'\/5<\/span><small>'+scoreLabel(mainScore)+'<\/small><\/div>';\n                        html += '<h3>Reembolso estimado<\/h3>';\n                        html += '<div class=\"hrc-money\">'+money(c.reimbursement,country)+'<\/div>';\n                        html += '<p class=\"hrc-muted\">Deducible: '+money(matched.plan.deductible,country)+' \u00b7 Cobertura: '+matched.plan.reimbursement+'% \u00b7 L\u00edmite anual: '+(matched.plan.annual_limit>=999999?'sin l\u00edmite declarado':money(matched.plan.annual_limit,country))+'<\/p>';\n                        html += '<p><strong>Tu coste estimado:<\/strong> '+money(c.outOfPocket,country)+'<\/p>';\n                        if(c.assistance){\n                            html += '<div class=\"hrc-warning\"><strong>Atenci\u00f3n:<\/strong> este seguro parece funcionar como asistencia veterinaria\/cuadro m\u00e9dico, no como reembolso libre est\u00e1ndar. El c\u00e1lculo aparece en 0\u20ac para evitar prometer un reembolso que puede no aplicar.<\/div>';\n                        } else if(!c.covered){\n                            html += '<div class=\"hrc-warning\"><strong>Atenci\u00f3n:<\/strong> este tipo de tratamiento no aparece como cubierto en la base actual.<\/div>';\n                        }\n                        html += '<p><strong>Consejo para reclamar:<\/strong> '+(matched.plan.claim_tip || 'Guarda factura detallada e informe veterinario.')+'<\/p>';\n                        var mainUrl = matched.plan.affiliate_url || matched.plan.url || '';\n                        if(mainUrl){ html += '<a class=\"hrc-link-btn\" href=\"'+mainUrl+'\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Ver seguro recomendado<\/a>'; }\n                        html += '<\/div>';\n                    } else {\n                        html += '<div class=\"hrc-result-main\"><strong>No encontr\u00e9 coincidencia clara con ese seguro.<\/strong><br>Te muestro comparativas disponibles para '+country+'.<\/div>';\n                    }\n\n                    var compared=countryPlans.map(function(p){\n                        var c = calc(p,bill,treatment);\n                        return {p:p,c:c,rank:weightedRank(p,c,bill)};\n                    }).sort(function(a,b){ return b.rank-a.rank; });\n\n                    html += '<h3>Comparaci\u00f3n inteligente: reembolso + confianza + valor<\/h3><div class=\"hrc-comparison\">';\n                    compared.forEach(function(x,i){\n                        html += '<div class=\"hrc-plan '+(i===0?'best':'')+'\">';\n                        if(i===0) html += '<div class=\"hrc-tag\">Mejor valor real<\/div>';\n                        html += '<strong>'+x.p.name+'<\/strong>';\n                        var cardScore = huellarteScore(x.p);\n                        html += '<div class=\"hrc-score\"><span class=\"hrc-stars\">'+scoreStars(cardScore)+'<\/span><span>'+cardScore.toFixed(1)+'\/5<\/span><\/div>';\n                        html += '<p class=\"hrc-money\" style=\"font-size:24px\">'+money(x.c.reimbursement,country)+'<\/p>';\n                        html += '<p class=\"hrc-muted\">'+x.p.reimbursement+'% \u00b7 Deducible '+money(x.p.deductible,country)+'<\/p>';\n                        html += '<p class=\"hrc-muted\" style=\"font-size:12px\">Ranking Huellarte: '+x.rank.toFixed(0)+'\/100<\/p>';\n                        if(x.c.assistance) html += '<small>Asistencia\/cuadro veterinario<\/small>';\n                        var planUrl = x.p.affiliate_url || x.p.url || '';\n                        if(planUrl){ html += '<br><a class=\"hrc-link-btn\" href=\"'+planUrl+'\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Ver seguro<\/a>'; }\n                        html += '<\/div>';\n                    });\n                    html += '<\/div>';\n\n                    html += '<div class=\"hrc-result-main\" style=\"margin-top:16px\"><strong>Pr\u00f3ximo paso recomendado:<\/strong><br>El Trust Score Huellarte es una puntuaci\u00f3n orientativa calculada con porcentaje de reembolso, deducible, l\u00edmite anual y amplitud de coberturas. Antes de cambiar de seguro, revisa carencias, exclusiones por condici\u00f3n preexistente, edad de la mascota, l\u00edmites por tratamiento y si el plan cubre enfermedades cr\u00f3nicas.<\/div>';\n                    results.innerHTML=html;\n                });\n            });\n        })();\n        <\/script>\n        La calculadora estima cu\u00e1nto dinero podr\u00edas recuperar de tu seguro veterinario seg\u00fan el importe de la factura, el porcentaje de cobertura contratado, la franquicia y los l\u00edmites anuales del seguro. El resultado es una estimaci\u00f3n orientativa y puede variar seg\u00fan las condiciones espec\u00edficas de tu p\u00f3liza.No. El c\u00e1lculo es una estimaci\u00f3n basada en la informaci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_joinchat":[],"footnotes":""},"class_list":["post-259013","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Calculadora_de_reembolso - Huellarte<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/huellarte.es\/de\/calculadora_de_reembolso\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calculadora_de_reembolso - Huellarte\" \/>\n<meta property=\"og:description\" content=\"La calculadora estima cu\u00e1nto dinero podr\u00edas recuperar de tu seguro veterinario seg\u00fan el importe de la factura, el porcentaje de cobertura contratado, la franquicia y los l\u00edmites anuales del seguro. 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