Intra-family moral hazard refers to the disincentive for informal caregivers to provide care to their dependent relatives in the presence of long-term care (LTC) insurance. This article uses crosssectional data from the Survey of Health, Ageing, and Retirement in Europe (SHARE) database to test the effect of both public and private LTC insurance on the reception of informal care in Italy and Spain. The results support the hypothesis of intra-family moral hazard for Spain in the case of public LTC insurance while they reject it for Italy. They confirm recent theoretical findings showing that fixed insurance benefits provide much less disincentives to offer informal care than proportional insurance benefits.