{"id":4804,"date":"2025-07-08T12:18:41","date_gmt":"2025-07-08T10:18:41","guid":{"rendered":"https:\/\/ambler.es\/mandatory-pet-insurance-everything-you-need-to-know\/"},"modified":"2025-07-09T11:37:20","modified_gmt":"2025-07-09T09:37:20","slug":"mandatory-pet-insurance-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/ambler.es\/en\/mandatory-pet-insurance-everything-you-need-to-know\/","title":{"rendered":"Mandatory Pet Insurance: Everything You Need to Know"},"content":{"rendered":"\n<p>We invest in our health, our home, and even in travel insurance to protect ourselves from the unexpected. <strong>But when it comes to our four-legged companions, do we do the same?<\/strong> Ensuring their wellbeing in the face of unforeseen events is becoming increasingly straightforward thanks to <strong>pet insurance<\/strong>.<\/p>\n\n<p>With this type of insurance, we can rest assured that we won\u2019t face unexpected expenses. It also <strong>provides access to quality veterinary services, assistance in the event of accidents or illness, and even third-party liability cover.<\/strong>  <\/p>\n\n<p>If you\u2019re considering this option for your dog or cat, at <strong>Ambler<\/strong> we explain what pet insurance covers, how to choose the right policy, how much it costs, and why it\u2019s an excellent investment for both you and your pet.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>What Does Pet Insurance Cover?<\/strong><\/h2>\n\n<p>This is one of the first questions clients ask when taking out this type of insurance: does it cover accidents? What if my pet becomes seriously ill? Are vaccinations and annual check-ups included? The answer to all these questions depends on the type of policy taken out:   <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Veterinary consultations<\/strong><\/h3>\n\n<p>Whether for an annual check-up, treatment of minor illnesses, or emergency situations, veterinary consultation cover provides peace of mind for both the owner and the pet. Being covered by the insurance helps <strong>save a significant amount of money<\/strong>. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Vaccinations<\/strong><\/h3>\n\n<p>Vaccinations are mandatory and essential to protect pets from serious diseases. Many insurers include cover for core vaccinations in their policies, such as <strong>rabies, distemper, or parvovirus<\/strong>.  <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Surgical procedures<\/strong><\/h3>\n\n<p>Sometimes our pets may require surgery for various reasons, such as accidents or serious illnesses. Surgical procedures are often expensive and, in some cases, <strong>essential when their life is at risk<\/strong>. The most comprehensive pet insurance policies include this type of cover, which is particularly important if your pet is older or has significant health issues. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Diagnostic tests<\/strong><\/h3>\n\n<p>Vets carry out blood tests, X-rays, ultrasounds, and other procedures to detect health issues in pets, which are often <strong>essential for an accurate diagnosis<\/strong>. These tests are frequently covered by pet insurance policies.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Third-party liability<\/strong><\/h3>\n\n<p>Imagine you\u2019re out walking your dog and, suddenly, it bites someone or causes damage to someone else\u2019s property. <strong>How would you deal with the resulting costs?<\/strong> That\u2019s exactly what third-party liability cover is for: to cover costs such as the medical treatment of the injured person or any necessary repairs. This cover is <strong>mandatory<\/strong> for all dogs in Spain. We\u2019ll explain all the key details later in the article!  <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Loss or theft assistance<\/strong><\/h3>\n\n<p>If your pet goes missing, some insurers offer services such as <strong>publishing adverts, offering rewards, or covering search-related expenses<\/strong>. This may also include the cost of a microchip if your pet is not yet identified, increasing the chances of recovery in case of loss.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Common exclusions<\/strong><\/h3>\n\n<p>It\u2019s important to bear in mind that, although pet insurance covers a wide range of services, there are also some exclusions. For example, <strong>pre-existing conditions<\/strong> are generally not covered, as insurers are unwilling to take on the risk of covering an illness that was already affecting your pet before the policy was taken out. Similarly, certain breeds are more prone to <strong>hereditary conditions<\/strong>, which may lead some insurers to exclude them from cover or increase the policy premium. This is why it\u2019s essential to read the policy terms carefully to understand the exclusions and avoid any surprises.   <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>How Much Does Pet Insurance Cost?<\/strong><\/h2>\n\n<p>The cost of pet insurance varies depending on several factors. While there is no fixed price, below we provide an approximate range and explain what influences the premium. <\/p>\n\n<p>The price of pet insurance can range <strong>from \u20ac10 to \u20ac50 per month<\/strong>, depending on the level of cover selected. Basic policies tend to be more affordable, while those offering more comprehensive cover\u2014such as specialised treatments or insurance for high-risk breeds\u2014are generally more expensive. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>What Factors Influence the Premium?<\/strong><\/h3>\n\n<h4 class=\"wp-block-heading\"><strong>Type of animal<\/strong> <\/h4>\n\n<p>Dogs usually have higher insurance premiums than cats, as veterinary expenses for dogs can be more costly. Additionally, the type of animal can influence the kind of treatment or care required, which will affect the overall cost. <\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Age<\/strong><\/h4>\n\n<p>Younger animals have lower insurance premiums, as they are less likely to require frequent medical attention. In contrast, <strong>older pets usually cost more to insure<\/strong>, as they are more likely to need ongoing treatment or surgical procedures. <\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Breed<\/strong><\/h4>\n\n<p>Some animal breeds are more prone to developing hereditary or chronic conditions, which can increase the cost of insurance. For example, <strong>French Bulldogs<\/strong> and <strong>Pugs<\/strong> often suffer from respiratory issues; <strong>German Shepherds<\/strong> and <strong>Labrador Retrievers<\/strong> are prone to hip dysplasia; and <strong>Cocker Spaniels<\/strong> may develop hereditary eye conditions.  <\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Health condition<\/strong><\/h4>\n\n<p>If your pet already has <strong>pre-existing health issues<\/strong>, the insurance will be more expensive. Insurers may require a medical examination before issuing the policy, and some pre-existing conditions may not be covered. In such cases, insurance can be more costly or harder to obtain.  <\/p>\n\n<h4 class=\"wp-block-heading\"><strong>Chosen coverages<\/strong><\/h4>\n\n<p>The more extensive the cover, the higher the premium. If you choose a basic policy that only covers veterinary visits, it will be more affordable, whereas policies that include surgical procedures, specialised treatments, or third-party liability services will increase the cost of the insurance. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>When Will Pet Insurance Become Mandatory?<\/strong><\/h2>\n\n<p>Currently, the <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2023-7936\"><strong>Animal Welfare Act<\/strong><\/a>, in force since September 2023, <strong>establishes the mandatory requirement to take out third-party liability insurance for all dogs in Spain<\/strong>, regardless of breed or size. This obligation replaces the previous regulation, which only required insurance for dogs classified as potentially dangerous (PPP). Now, every dog owner must hold a policy that covers third-party damage, regardless of the autonomous community or municipality in which they live.<br\/>.  <\/p>\n\n<p>For other companion animals, insurance is not mandatory, although it is recommended due to the benefits it provides.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Is It Really Worth It?<\/strong><\/h2>\n\n<p>The cost of pet insurance may seem high at first, but when compared to typical veterinary expenses, it quickly becomes clear that the investment is worthwhile. Veterinary consultations can range <strong>from \u20ac30 to \u20ac80<\/strong>, depending on the region, and specialised medical treatments such as surgeries or diagnostic tests can <strong>exceed \u20ac1,000<\/strong>. If your pet has an accident or develops a chronic illness, the costs can escalate rapidly.  <\/p>\n\n<p>If we consider the cost of an annual policy ranging from \u20ac200 to \u20ac600 depending on the level of cover, the insurance typically includes several veterinary visits, treatments, and even costly surgeries. Additionally, some policies <strong>cover a percentage of emergency expenses<\/strong>, which can be crucial if your pet requires urgent care. <\/p>\n\n<p>Compared to the potential costs arising from unexpected health issues or accidents, pet insurance offers significant financial protection. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Take care of the one who\u2019s always by your side<\/strong><\/h2>\n\n<p>Pet insurance is a way to ensure that your furry companion receives the best possible care in case of an emergency. While the cost of insurance may vary, <strong>the peace of mind that comes from knowing your pet is covered in the event of an accident or illness is priceless<\/strong>. Remember to assess your pet\u2019s specific needs, and if you\u2019re still unsure about which option is best, at <strong>Ambler<\/strong> we\u2019re here to advise you and provide the most suitable solutions. Don\u2019t hesitate to <a href=\"https:\/\/ambler.es\/en\/contact\/\"><strong>get in touch<\/strong><\/a> with us for more information and to find the best insurance for your lifelong companion.  <\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We invest in our health, our home, and even in travel insurance to protect ourselves from the unexpected. But when it comes to our four-legged companions, do we do the same? Ensuring their wellbeing in the face of unforeseen events is becoming increasingly straightforward thanks to pet insurance. With this type of insurance, we can [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mandatory Pet Insurance: Everything You Need to Know - Ambler | Corredur\u00eda de Seguros<\/title>\n<meta name=\"description\" content=\"Discover everything about pet insurance: cover options, pricing, and tips to protect your lifelong companion against the unexpected.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ambler.es\/en\/mandatory-pet-insurance-everything-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mandatory Pet Insurance: Everything You Need to Know - 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