Compare Pet Insurance in Spain

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19 live offers compared from 14 providers, from €8 /month. Updated daily.

What is pet insurance in Spain?

Pet insurance (seguro para mascotas) covers veterinary costs and, importantly in Spain, the third-party liability if your animal injures a person or damages property. Since the 2023 Animal Welfare Law (Ley 7/2023), civil liability insurance is a legal requirement for dogs, which has pushed pet cover into the mainstream. Policies range from liability-only up to comprehensive plans that reimburse illness and accident vet bills, so owners can choose between meeting the legal minimum and fully protecting against veterinary costs.

How the Spanish market works

The market splits between basic liability policies that satisfy the legal minimum for dogs and fuller health plans covering veterinary treatment, surgery, diagnostics and sometimes routine care. General insurers offer pet cover as an add-on, while specialists focus on veterinary reimbursement. The 2023 law made dog liability cover mandatory nationwide, though enforcement and the exact rules have varied by municipality and region as the framework beds in, so owners should check local requirements.

Benefits of pet insurance

Legal compliance — liability cover meets the mandatory requirement for dogs and protects you against costly injury or damage claims.

Vet-bill protection — health plans cushion the cost of accidents, illness and surgery, which can run into thousands.

Extras — many policies add lost-pet help, boarding if you are hospitalised, and even legal defence cover.

Budget certainty — a fixed premium spreads unpredictable vet costs across the year.

How to choose

Liability vs full health — decide whether you need only the legal minimum or want veterinary reimbursement too.

Check limits and copays — look at the annual vet-bill ceiling, any excess, and reimbursement percentage.

Mind age and breed rules — some insurers cap the joining age or price certain breeds differently.

Insure early — cover taken while a pet is young avoids exclusions for conditions that develop later.

Leading providers in Spain

Agria España specialises in pet cover, while Mapfre, AXA España, Caser Seguros, Reale Seguros, Zurich España, Pelayo Seguros and Catalana Occidente offer pet policies within their wider ranges. Specialists tend to have richer veterinary cover, whereas generalist insurers make it easy to bundle pet liability with home or car policies, often at a small discount for holding several policies with the same company. If you only need to meet the legal dog-liability requirement, a bundled add-on can be the simplest and cheapest route.

What it costs

Premiums on our panel run from around 8 euros a month for basic liability cover up to about 22 euros a month for comprehensive health plans. Price depends on the species, breed, age of the animal and the level of vet-bill cover; older animals and certain dog breeds classed as potentially dangerous (PPP) cost more and may need specific liability limits set by regulation. Insuring a young, healthy animal on an annual policy generally secures the lowest premium and the widest cover before any conditions arise.

Protections and regulation

Pet insurers are regulated by the DGSFP like other insurers. The Ley 7/2023 de protección de los derechos y el bienestar de los animales establishes the mandatory liability requirement for dogs; owners of potentially dangerous breeds face additional licensing and higher minimum liability sums under separate regulations. Always confirm your policy's liability limit meets local requirements.

Common questions

Is pet insurance compulsory? — Civil liability cover is required for dogs; health cover is optional.

Are pre-existing conditions covered? — Generally excluded on health plans, so insuring young animals is cheaper.

Does it cover routine vaccines? — Only some comprehensive plans include preventive care; check before you buy.

Does the liability cover me anywhere? — Most policies cover incidents throughout Spain; confirm the geographic scope if you travel with your pet.

Pet Insurance in Spain — FAQ