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.
Get a Free Pet Insurance Quote → 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
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.
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
- Main Pet Insurance Spain page
- Pet Insurance Spain Expat Guide
- Pine Processionary Caterpillars in Spain
- Sunstroke in Spain — First Aid for Dogs
- Emergency Numbers in Spain (incl. vet 24-hour)
Get a free Spanish pet insurance quote in English
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.