Only for dogs.
Since 2023, all dog owners in Spain are legally required to have civil liability insurance.
This covers physical or material damage your dog causes to others.
For cats and other animals, insurance is not mandatory, but still advisable.

It covers damage your dog causes to third parties.
For example:

• • Biting someone

  • Causing an accident

  • Damaging someone’s property

It does not cover vet costs, illness, or injuries to your own pet.

Usually not.
Vaccinations and yearly health checks are legally required, but most basic pet insurance policies don’t include them.
Some insurers offer optional medical cover that reimburses part of vet visits or vaccinations — ask us if that’s relevant for you.

Yes.
Under the Ley de Bienestar Animal, dogs and cats must have at least one annual health check by a licensed vet.
There must be a medical record, especially if the pet is not sterilized or registered in a public database.

Yes. You can choose to insure cats for:

• Indoor damage (if renting)

• Vet expenses

• Accidents or chronic conditions

Some insurers allow you to add multiple animals to one policy.
Others require separate contracts.
We’ll advise you based on the number of animals and what you want to cover.

Only if you choose medical coverage. Not all insurers offer this.
Most standard (liability-only) pet insurance does not cover vet bills, surgeries, medication or hospital stays.
Let us know what you want covered — we’ll show you what’s possible.

No.
Microchipping is legally required in Spain for dogs and cats, but it’s not part of any insurance policy.
You’ll need to do this through a vet.

In most cases: yes.
But you’ll need to provide your NIE, your dog’s microchip number, and sometimes a health certificate.
We’ll guide you through what’s needed, based on your situation.

Sometimes. While Spain no longer uses the “dangerous breed” list, some insurers still consider breed, size and past incidents when calculating the premium.
We’ll compare policies for you and check what applies.

For liability insurance: usually no waiting period.
For medical cover (if selected): often 15 to 30 days, or longer for specific conditions.
We’ll tell you upfront what applies.

We work with leading insurers in Spain: Mapfre, Allianz, Zurich en Asisa.
We choose based on what’s best for your property and risk profile, not based on commission.

You contact us — not a call center.
We help you report the claim, deal with the insurer, and make sure the process runs smoothly.