Pets
The vet and, above all, liability.
- Pet liabilityMandatory
- VetAccident and illness
- DischargeUp to 8 or 10 years
What your policy can include.
Ley 7/2023 on animal welfare extends to all dog owners the obligation to hold liability insurance.
Beyond that, the valuable part is veterinary cover: consultations, tests and surgery which, in an emergency, can easily run to several hundred euros.
- Compulsory pet liability
- Vet fees for accident and illness
- Surgical procedures
- Vaccinations and check-ups depending on plan
- Veterinary helpline
- Euthanasia and disposal costs
Liability only or full cover.
| Public liability | Liability and vet | |
|---|---|---|
| Third-party damage | Covered | Covered |
| Vet consultations and emergencies | No | Depends on the option |
| Surgery due to accident or illness | No | Covered with limits |
| Indicative price | Low | Medium |
| Who it is for | Meet the legal requirement | Protect your wallet too |
Terms depend on the species, breed and age of the animal.
Act 7/2023 on the protection of animal rights and welfare
Liability insurance for dogs.
The law requires dog owners to take out third-party liability insurance, pending the implementing regulations that will set out its conditions.
In addition, several regional and municipal regulations already required this insurance for certain breeds. We check what applies in your case.
- Covers damage the animal causes to people, animals or property
- Some home insurance policies already include it: we check
- Listed breeds are subject to specific conditions
Common questions.
Select each question to see the answer.
Sometimes it does, and sometimes only for certain breeds or with low limits. We check before you take out duplicate cover.
It is not compulsory, but veterinary cover for accidents and surgery is just as useful.
Many insurers set a maximum entry age, but some keep the policy in force for life if it was taken out earlier.
Pre-existing conditions are usually excluded and initial waiting periods apply.
Questions about pet insurance.
Is insurance compulsory for my dog?
Liability cover, yes: Ley 7/2023 requires it of all dog owners, pending the regulations that will set out its conditions, and it was already compulsory for potentially dangerous breeds. Veterinary cover is optional.
Does it cover pre-existing conditions?
No. Insurers exclude pre-existing conditions, which is why it is best to take out cover while the animal is young and healthy.
Is there an age limit for taking out cover?
Yes, most set a maximum entry age of between eight and ten years. We check this before proposing anything.
Your pet, covered in a single call.