Blog Post
Pet insurance in Spain
- by Alayna Jones
- •
- 17 Jan, 2023
- •
All you need to know regarding pet liability insurance.
According to the ANFAAC association, there are currently more than 29 million pets in Spain, and up until now only certain breeds of dogs need liability insurance. However, with the new Bill that is scheduled to be passed this year, 2023, there will be numerous changes regarding the ownership of pets. One of these changes is the obligation for all dogs, regardless of breed, to have liability insurance. In certain areas such as Madrid, the mandatory liability insurance for all dog breeds is already in place.
But what does this insurance cover? The basic pet liability insurance (Seguro de Responsabilidad Civil) covers all liability an owner may face from any damage their pet causes to a third party. With this insurance in place, the owner is protected against any unforeseen circumstance, such as bites, breakage of objects, or any injuries and/or accidents they may cause. For example, if you take your dog for a walk and they accidently cause a cyclist to fall from their bike or they bite another dog, the insurance covers any damage caused to said third party, including all vet or hospital bills, medication, damage to property, etc.
Although this insurance is mainly aimed at dogs, it is important to mention cats in this article, especially if you have an outdoor cat. If your cat wonders and causes an accident or attacks another pet or person, any damage caused will be covered by this insurance. It is important to also mention that this insurance only covers any damage your pet causes to any third party, and does not cover any vet bills or treatment your pet may need, for this you will need a separate Pet Insurance, or you can get an Insurance that covers both your pet and any third party liability.
Sometimes the liability insurance for your pet is included in your home insurance, so feel free to book a consultation if you would like us to go over your paperwork and work out what is the best for your situation.
EDIT: Although the Bill has been passed, the article relating to compulsary pet liability insurance will not be in force until a following Law has been passed to be able to inforce the article.
But what does this insurance cover? The basic pet liability insurance (Seguro de Responsabilidad Civil) covers all liability an owner may face from any damage their pet causes to a third party. With this insurance in place, the owner is protected against any unforeseen circumstance, such as bites, breakage of objects, or any injuries and/or accidents they may cause. For example, if you take your dog for a walk and they accidently cause a cyclist to fall from their bike or they bite another dog, the insurance covers any damage caused to said third party, including all vet or hospital bills, medication, damage to property, etc.
Although this insurance is mainly aimed at dogs, it is important to mention cats in this article, especially if you have an outdoor cat. If your cat wonders and causes an accident or attacks another pet or person, any damage caused will be covered by this insurance. It is important to also mention that this insurance only covers any damage your pet causes to any third party, and does not cover any vet bills or treatment your pet may need, for this you will need a separate Pet Insurance, or you can get an Insurance that covers both your pet and any third party liability.
Sometimes the liability insurance for your pet is included in your home insurance, so feel free to book a consultation if you would like us to go over your paperwork and work out what is the best for your situation.
EDIT: Although the Bill has been passed, the article relating to compulsary pet liability insurance will not be in force until a following Law has been passed to be able to inforce the article.