Pet insurance will give you peace of mind for any unexpected circumstance as the costs of pet health care can often be very high. Health, theft, hospitalisation... Your cover guarantees your expenses will be reimbursed. Plus, taking out civil liability means you will be covered for any damage caused to third parties. Attention: Don’t wait too long. Pet insurance does not cover pre-existing conditions.
If you lose your pet, the insurance company will cover any deriving costs: notices in the press, radio announcements to find your pet. The costs of caring for your pet if it is found and you cannot immediately go get it will also be covered.
In the event of a theft, you may be compensated with a minimum of €300. If the value of the animal is higher, you must provide proof to the company: an invoice, a pedigree certificate or registration with the breed register. .
The insurance company will cover the costs of veterinary care up to €1000 connected to an accident suffered by the insured pet. The types of services covered are as follows: preliminary auscultations, x-rays, analyses, electrocardiograms, other types of surgeries, anesthesia, surgical material, medication, osteosynthesis, prostheses and/or fiber endoscopy, post-operative care, wound care and overnight stays at the clinic as well as all costs of home veterinary assistance for the aforementioned situations.
Situations considered accidents which are covered by the insurance are as follows: accidents on the road, aggression between animals, fractures, trauma or internal injuries affecting the pet’s normal activity, accidents in a vehicle in which the animal is travelling, falls leading to trauma or internal injuries, the ingestion of foreign objects, heat exhaustion, burns, injuries or granuloma caused by foreign objects in the eyes, ears or skin as well as all other types of bodily injuries as a result of a violent, sudden, external and independent cause not attributable to the insured including vandalism.
The premium for your pet insurance will depend on several factors, including:
- The type of pet (dog, cat...)
- The race
- The weight
- Whether or not the animal is considered dangerous
- Optional guarantees contracted
Spanish law has declared eight dog races as dangerous:
- Pit Bull Terrier
- Staffordshire Bull Terrier
- American Staffodshire Terrier
- Dogo Argentino
- Fila Brasileiro
- Tosa Inu
- Akita Inu
According to a study conducted in April 2013, the average price of a vet consultation is €28.30 in Spain. Surgery can cost up to €2000 and emergency visits between €60 and €100.