First of all, it is worth knowing that there are two types of pet insurance: pet (health) insurance and civil liability insurance. While the former deal with various kinds of illness or harm to the animal, civil liability insurance pays for the damage your dog causes to another person.
Although you may not know it yet, having civil liability insurance for your pets can be mandatory in some cases. For example, if you have a dog in the Basque Country or the Community of Madrid, you are required to take out a civil liability insurance policy.
You should also bear in mind your pet’s breed and whether it is among those classified as “dangerous”. In that case, it is mandatory to have civil liability insurance, wherever you live. Whatever pet you have, below we show you why it is worth insuring them.
The legal situation of your pet
Because we know they are more than your pet and that you may come to see them as just another member of the family, even as a child, you should bear in mind that, as a parent, you will have to answer for them if they get into any trouble. The same goes for any underage child, so there is nothing to be alarmed about.
Spanish law does not require our dog to have civil liability insurance, except in the case of autonomous communities like those mentioned above and of potentially dangerous dog breeds. However, these policies mean that if, for some reason, your dog lets slip a bite, this insurance covers the personal injury it may cause.
But beyond these incidents, which need not happen to you, having insurance for your pet can give you peace of mind in many other respects.
Why is it worth insuring your pet with veterinary insurance?
Insurance is important for many reasons. One of the main ones is that it not only lets you maintain medical coverage, but also protects your pet throughout their life.
In the case of pedigree dogs, many of them, due to crossbreeding between the animal’s direct relatives, tend to inherit various illnesses that are passed on genetically. This means continual visits to the vet and expenses that are not always easy to cover. When you have insurance, you can forget about these recurring costs.
We hope it never happens to you, but sometimes our best friend can get lost or even be stolen. Insurance properly arranged for this purpose can cover certain expenses and even compensate you if your pet does not end up turning up. But touch wood.
If you are someone who travels a lot with your furry companion, insurance could also be a great help. A policy could cover a hypothetical case of loss or possible illness and the veterinary care needed. Covering those unexpected extra expenses will also be a great relief.
One of the hardest experiences we have to go through is the death of that ever-faithful companion that is our pet. The pain can be very great, but with the support of insurance that takes care of everything, we can feel a little more at ease. In this case, you could also receive compensation, whether due to accident or illness.
One of the main advantages of taking out insurance is that you can adapt the pet insurance to your financial means, although it is always advisable to take out one with the maximum coverage.
As you can see, taking out insurance for your pet is not mandatory in all cases (except for civil liability in certain autonomous communities), but it will largely determine your peace of mind in the face of certain unexpected events.
