Looking for the best dog insurance on the market? Don’t worry, you are not the only one! The new regulations affecting pet owners have boosted the demand for dog insurance in our country, and insurers can’t keep up with the demand.
As your trusted brokerage, PIB Group Iberia also works with multiple companies that offer dog insurance.
And as we know that your furry friend is a member of the family and that you are concerned about their protection, we have prepared a list of the best dog insurance in Spain in 2025 according to their value for money. Don’t miss it!
What is pet insurance?
Pet insurance is a policy that provides you with financial protection in case of accidents, illness or liability arising from your dog.
It is a way of ensuring that, should any eventuality occur, your faithful companion will be covered and you will be able to meet any expenses that may arise.
Why do you need dog insurance?
There are several reasons why you should take out pet insurance:
- Provides you with liability coverage if the animal causes damage to third parties.
- It protects you financially in case of illnesses or accidents that your dog may suffer.
- It gives you access to quality veterinary care.
- It provides peace of mind for both you and your pet.
- It is mandatory to comply with the law. As we already told you in another post about the new Animal Welfare Law, taking out civil liability insurance for dogs is mandatory since September 29th, when this regulation came into force.
Types of dog insurance
There are different types of dog insurance, but the most common are dog health insurance and dog liability insurance:
1. Medical insurance for dogs
Dog health insurance provides coverage for illnesses, accidents or injuries your pet may suffer. This includes veterinary consultations, treatments, diagnostic tests and even surgeries. So, it is always important that you assess your dog’s needs and choose an insurance that fits them.
Liability insurance
As mentioned above, liability insurance is mandatory under the new Animal Welfare Act.
This type of pet policy protects you financially in the event that your dog causes damage to third parties, whether due to bites, accidents or any type of situation in which civil liability may arise.
How to choose the best dog insurance?
When choosing the best dog insurance, it is important that you follow a few steps to make the right decision:
Assess your dog’s needs
Each dog is unique and may have different needs. Evaluate your pet’s breed, age, previous health and lifestyle to determine what coverages are essential to his or her well-being.
For example, if you have one of those considered potentially dangerous dogs, you will not be able to take out just any pet policy: based on the law, you will have to look for the best PPP dog insurance.
In addition, you and your dog may visit the veterinarian more often than you would like. If this is the case, we recommend that you look for the best veterinary insurance for dogs and do not settle for liability insurance.
Investigate the available options
Research the different insurance companies and the plans they offer for dogs. Check their background, the opinions of other clients and their experience in the market.
Don’t settle for the first option you find, explore all alternatives before making a decision.
Compare coverage and prices
Once you have identified the companies that fit your needs, compare the coverage and prices they offer. Don’t get carried away by price alone, make sure you have insurance that covers your dog’s needs and gives you the peace of mind you are looking for.
You already know that, in all this process, it is convenient to count on professional opinions, and at PIB Group Iberia we are here precisely to help you. If you want to have peace of mind and make sure you choose the coverages that best suit your needs, we can become your pet insurance comparator.
The best dog insurance in Spain in 2025
Do you want to know what is the best insurance for dogs and cats? We have it clear:
1. Insurer 1
The pet insurance of Aseguradora 1, with an approximate price of 65 euros per year, covers:
- Damage to your pet in case of accident, theft or loss.
- Legal defense.
- Stay in a kennel in case of need due to hospitalization of the dog’s owner.
- Slaughter of the animal due to accident, disease or old age.
- Telephone assistance.
However, there is one drawback: if you also want to contract veterinary assistance and civil liability, you will have to pay a surcharge for both coverages to be included.
2. Insurer 2
If there is one thing we like about the dog insurance from this insurer The price: only 41 euros per year! In exchange? It covers civil liability expenses up to 300,000 euros.
If you are looking for the best dog liability insurance, this is definitely a very economical option to consider.
3. Insurer 3
The price of the insurer 3, on the other hand, is somewhat higher: 115 euros per year. But if you are looking for a good insurance for dogs with wide coverage it is a great option, as it includes services such as veterinary consultations, check-ups, emergencies and even vaccinations, as well as advice on legal matters and a chat always available to solve your doubts.
Looking for the best veterinary insurance for dogs?
4. Insurer 4
4’s pet insurance, for €63.6/year, is one of the great options if you are looking for value for money. It covers up to 200,000 euros in civil liability and also other basic expenses, such as the sacrifice, burial and cremation of your dog if necessary.
In addition, this company also gives you the option of contracting a veterinary assistance insurance. For 269 euros per year, this policy would cover unlimited visits to the veterinarian and also your pet’s expenses in case of accident or illness (with excess).
5. Insurer 5
Insurer 5 has also earned a place in this ranking, offering one of the best liability insurances for dogs.
With this policy you have different possibilities and, as a minimum, it will cover 150,000 euros in damages to third parties that may be caused by your furry friend.
Take out a dog insurance policy
Did our ranking help you? Once you have selected the insurance that best suits you and your dog’s needs, you can contract it directly with the insurance company. Find out about the requirements and the necessary documentation, and follow the steps indicated to ensure that your pet is protected as soon as possible.
And if you prefer, you can take out your insurance with the help of an insurance broker such as PIB Group Iberia, we’ll take care of the paperwork!
Opinions about the best dog insurance
If you still have doubts about which is the best insurance for dogs, we advise you to read the opinions of other pet owners. You can find opinions in forums, social network groups and specialized pages, where other users share their experiences and recommendations.
Remember that the welfare of your dog or cat is a priority, and taking out the right insurance will give you the peace of mind and security you need. Contact the PIB Group Iberia team now and we will take care of selecting the insurance that best suits your needs and those of your best friend, we look forward to helping you!
Frequently asked questions about dog insurance
Do you still have doubts about dog and cat insurance? We clear them all up!
How much does dog insurance cost?
The price of dog insurance can vary depending on several factors, such as the breed of dog, the age, the previous health of your pet and the type of insurance coverage you want.
We recommend you to contact different insurance companies and ask for a quote to get a more accurate idea. Or much better: hire us as your pet insurance comparator and we will do it for you!
What does liability insurance cover?
A dog liability insurance covers the expenses derived from material and/or personal damages that your pet may cause to third parties.
This includes, for example, damage to property, injury to people or other animals, and any other situation that may give rise to civil liability.
Is it mandatory to have dog insurance in Spain?
Yes, according to the new law it is compulsory to have a dog liability insurance in Spain. Before, it was only compulsory in the Basque Country and the Community of Madrid, but now it has been extended to the whole Spanish territory.
The purpose of this measure is to ensure greater protection for animals and their owners and to avoid possible risk situations or conflicts.
