Compare Pet Insurance in Spain — 2026 Quotes for Expats

By Andrew Turner — exclusive agent in Javea since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026

The English-language guide to comparing pet insurance in Spain in 2026 — mandatory dog liability under Ley 7/2023, vet-fees cover, Generali Mascotas vs Mapfre vs SegurCaixa vs Petplan España, lost-pet cover and how to get an English-language quote in minutes.

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Quick Answer. Comparing Pet Insurance in Spain

Liability only from€80/year

Liability + vet fees from€180/year

Dog liabilityCompulsory (Ley 7/2023)

Cat liabilityNot compulsory but recommended

Answered by Turner Insurance Specialists — exclusive insurance agents in Spain since 2007, Generali since 2024, based in Javea (Alicante). Talk to a real adviser in English: 966 461 625.

The 60-second summary. Since 29 September 2023, every dog owner registered in Spain must hold a civil liability insurance policy under Ley 7/2023 (Animal Welfare Law) — every breed, every size, every nationality. No exemptions. Above the mandatory liability layer, full pet insurance adds vet-fees cover (typically €1,200–€6,000 limit), lost-pet recovery and accidental-death repatriation. The five main Spanish pet insurers — Generali, Mapfre, SegurCaixa, Petplan España and AXA Mascotas — offer similar products but differ on liability limits, vet-fee caps and English-language service.

The three cover levels in Spain compared

Cover level	Typical 2026 price	What's included
Dog liability only (Ley 7/2023 minimum)	€80–€120/year	€300k civil liability cover
Liability + vet fees (standard)	€180–€280/year	Above + €1,200–€2,500 vet-fees
Premium (full vet fees + lost-pet + repatriation)	€280–€480/year	Above + up to €6,000 vet-fees + lost-pet + repatriation

Generali Mascotas vs Mapfre vs SegurCaixa vs Petplan España vs AXA

Insurer	Liability limit	Vet-fees cap	English service	vs Generali price
Generali Mascotas	€300k	Up to €3,000	Yes via Turner	Baseline
Mapfre Mascotas	€300k	Up to €2,500	Spanish-first	Comparable
SegurCaixa	€150k–€300k	Up to €1,800	Limited	5–10% lower
Petplan España	€300k	Up to €4,000	Yes — UK heritage	10–20% higher
AXA Mascotas	€300k	Up to €2,500	Yes	10–15% higher

Our main Pet Insurance Spain page covers Generali Mascotas in detail.

What every Costa Blanca dog owner needs cover for

The Costa Blanca dog-owning lifestyle has specific risks that drive vet bills:

Pine processionary caterpillar poisoning — February to April. Vet bills typically €120–€800; severe cases €800–€1,800. See our processionary guide.
Heat stroke — June to September. See our sunstroke guide.
Snake bite — Mediterranean viper, lataste's viper. €500–€1,500 vet costs for antivenom and supportive care.
Leishmaniasis — sandfly-borne, very common on the Costa Blanca. Lifelong treatment costs.
Heartworm (Dirofilaria) — mosquito-borne. Prevention is essential.
Road traffic accidents — rural roads with off-lead dogs.
Beach/sea hazards — jellyfish stings, sea urchin spines, fish hook injuries.

Vet-fees cover at the €3,000+ tier is well worth it for working-age dogs.

What affects your Spanish pet insurance premium

Breed — categorised PPP (Potentially Dangerous Breed) dogs attract loadings; rare/exotic breeds may need bespoke quote.
Age at entry — puppies and senior dogs both attract loadings; sweet spot 1–7 years.
Vet-fees cap chosen — bigger cap, higher premium.
Multi-pet households — family discounts on 2+ pets.
Cat policies — typically 30–50% cheaper than equivalent dog cover.

Frequently asked questions: comparing pet insurance in Spain

Match the cover level (liability only, liability + vet fees, premium), liability sum and vet-fees cap across quotes. All Spanish pet insurers must offer Ley 7/2023-compliant dog liability cover; the differences are in vet-fees caps, lost-pet cover and English-language service.

For Costa Blanca dog owners, Generali Mascotas with vet-fees up to €3,000 is the strongest combination of price, cover and English-language claims. Petplan España has higher vet-fees caps but costs 10–20% more.

Mandatory dog liability only: €80–€120/year. Liability + vet fees: €180–€280/year. Premium plans (lost-pet, repatriation, full vet fees): €280–€480/year. Cat policies typically 30–50% cheaper.

Yes — under Ley 7/2023 since 29 September 2023, every dog owner registered in Spain must hold civil liability insurance. Every breed, every size, every nationality. No exemptions.

Yes — vet-fees cover applies to processionary poisoning, heat stroke, snake bite, leishmaniasis treatment and all other accidental/illness emergencies. The single most important Costa Blanca claim category.

Cats can be insured for liability and vet fees on most policies (cheaper than dogs). Exotic pets — reptiles, rabbits, ferrets, birds — need a specialist policy; we can quote on request.

Through Turner Insurance: 15–30 minutes by phone or email. We need the pet's breed, age, microchip number, vaccination status and your address.

Still weighing it up? Our guide to insurance in Spain for expats explains how the Spanish market actually works before you choose, and the Spanish insurance glossary decodes the wording used in every quote.

Sources & references

Ley 7/2023 (BOE) — Animal Welfare Law, mandatory dog liability.
Consejo General de Colegios Veterinarios de España
Dirección General de Seguros (DGSFP)

Related guides & insurance products

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Mandatory dog liability plus vet-fees cover for processionary, heat stroke, snake bite and all the Costa Blanca seasonal emergencies. Generali Mascotas from our Javea office.

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This guide is general information, not personalised insurance or veterinary advice. Premium ranges are 2026 indicative figures; your specific quote depends on breed, age, cover level and chosen vet-fees cap. For current pricing contact Turner Insurance.