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Pets parents in Spain are obliged to legally respond for any damage theirs animals may cause.

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Pet insurance in Spain · in English

Third-party liability insurance for dogs and cats in Spain

If your pet accidentally injures someone or damages their property, you are responsible. Petplan covers you from €25 a year, with legal defence and bonds, in Spain and on trips to Europe and the UK.

From €25a year
€300,000cover (€500,000 a year with RC Top)
EU + UKtrips of up to 90 days a year
Dogs & catslegal defence and bonds included

Which plan do I need?

RC Basic

€25 a year

Up to €300,000

Legal defence and bonds.

Get your price

RC + Health

€45 a year

Up to €300,000

Plus vet phone line 24 h, chat and video consultations, and help with paperwork with the authorities.

Get your price

RC Top

€55 a year

Up to €500,000 a year (€300,000 per claim)

Legal defence and bonds.

Get your price
NEW

RC + Individual cremation

€105 a year

Up to €300,000

Plus individual cremation with urn, collection and delivery, and 1 year of online vet.

Get your price

RC + GPS tracker

€120 a year

Up to €300,000

Plus a GPS tracker with a 1-year subscription and 1 year of online vet.

Get your price

All plans include civil and criminal legal defence, bonds, and cover at dog shows and contests. €200 excess per claim on all plans. Cover outside Spain limited to 90 days per policy year. The vet, cremation and GPS extras are added services, not insurance cover. Policy documents (in English): IPID (PDF) · General Conditions (PDF)

New in Europe

Look after them while they're with you.
And say goodbye with love when they're gone.

Our RC + Individual cremation plan: third-party liability insurance, plus online vet advice and individual cremation with their ashes returned to you in an urn. All for one price.

only €105 a year
Market value: €303

Third-party liability up to €300,000

Market value: €25/year

If your pet causes damage to another person or their property, we take care of it. And if you have a dog, it's the liability insurance that Spain's Animal Welfare Law provides for. €200 excess per liability claim.

Online vet, 1 year free

Added service, not insurance Market value: €29/year

Get answers without leaving home:

  • Vet phone line 24 hours a day, including weekends and public holidays.
  • Chat with professionals, Monday to Friday, 9:00 to 18:00.
  • Video consultations by appointment, Monday to Friday, 9:00 to 18:00.

What does it cost if your dog causes damage?

As the owner, you have to compensate anyone your pet harms. Without insurance, a serious incident can cost tens of thousands of euros.

€466average cost of damage to property in Spain: bitten glasses, dropped phones, dug-up gardens…
€3,200average compensation paid by insurers after an attack on a person or another dog

Is it compulsory to insure your dog in Spain?

Spain's Animal Welfare Law (Law 7/2023) provides that all dog owners must have third-party liability insurance, but this general obligation is awaiting the regulation that will implement it.

Today it is compulsory throughout Spain for potentially dangerous dogs, and some regions already require it for all dogs. Check the rules in your region.

Why Petplan

50+ yearsinsuring pets in countries such as the UK, Germany, Australia and the USA
Telefónica Segurosunderwrites the risk: a Spanish insurer you can rely on
In Englishquote online in 1 minute, and a team that helps you in English

Frequently asked questions

What does third-party liability insurance for pets cover?

It covers personal injury, damage to property and consequential losses that your dog or cat accidentally causes to other people, up to €300,000 (€500,000 a year with RC Top). It also includes legal defence in civil and criminal proceedings and any bonds you are required to post.

How much does it cost?

From €25 a year with RC Basic (up to €300,000). RC + Health costs €45 a year, RC Top €55 a year, RC + Individual cremation €105 a year and RC + GPS tracker €120 a year.

Is third-party liability insurance compulsory for dogs in Spain in 2026?

Spain's Animal Welfare Law (Law 7/2023) provides that all dog owners must have third-party liability insurance, but this general obligation is awaiting the regulation that will implement it. Today it is compulsory throughout Spain for potentially dangerous dogs, and some regions already require it for all dogs. Check the rules in your region.

Does the insurance cover cats?

Yes. You can insure both dogs and cats with this policy.

Does it cover potentially dangerous dogs (PPP breeds)?

No. This policy excludes breeds considered potentially dangerous and their crosses.

Is there an excess?

Yes, a €200 excess per claim, which applies to third-party liability and legal defence. There is no excess for using the added services, such as the online vet or the cremation service.

Am I covered if I travel outside Spain with my pet?

Yes, in the European Union, the United Kingdom, Andorra, Switzerland, Iceland, Liechtenstein, Monaco, San Marino, Vatican City and Norway, for up to 90 days per policy year.

Who is covered if my dog causes damage?

The policyholder, their partner and the relatives who live with them, and anyone who looks after the animal free of charge.

What is not covered?

Damage to the policyholder, their family or their property; damage caused by working security or guard dogs; taking part in competitions or fights; damage if the animal's compulsory vaccinations are not up to date; deliberate breaches of the law; and events before the policy started. Dog shows and beauty contests are covered.

How do I make a claim?

From your customer area on petplan.es, by filling in the form and attaching the documents, within 7 days of becoming aware of the incident.

Can I take it out without health insurance?

Yes. Third-party liability insurance is sold separately, from €25 a year. The policy is annual, renews automatically and you can cancel it by giving 30 days' notice.

Can I take out the policy if I'm not Spanish?

Yes, as long as you and your pet live in Spain. You can get your quote online in English in under a minute, and our team is happy to help you in English by WhatsApp, email or phone.

Questions? Our team speaks English: WhatsApp +34 648 48 32 28 · Phone +34 910 05 28 62 (Mon–Fri, 9:00–19:00 CET)

From €25 a year
dogs and cats · in English

Get your price

The importance of dealing with someone who knows about dogs

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Petplan Third Party Liability Pet Insurance
Third Party Liability Insurance
About Us
Third Party Liability Pet Insurance is developed by Petplan, worldwide leader in Pet Insurance
More than 50 years taking care of pets. Since 1976 insuring pets in countries as Great Britain, Germany, Australia, USA...

Seguros Obligatorios para Perros según la ley de bienestar animal de septiembre de 2023
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