Mandatory Dog Insurance in 2025 | Law, Price and Coverages

As of September 29, 2023, Law 7/2023 on the protection of animal rights and welfare establishes that all dog owners in Spain must take out civil liability insurance. However, the effective implementation of this obligation depends on the pending regulatory development.

The new law in Spain

Responsible pet ownership has acquired a new legal dimension in Spain. With the entry into force of Law 7/2023, the aim is to guarantee the safety and welfare of both animals and society. One of the most important measures is the obligation to take out civil liability insurance for dogs, regardless of their breed or size.

However, although the law is already in force, its effective application is subject to the approval of a specific regulation detailing the insurance conditions and requirements. This situation has generated uncertainty among dog owners, who are awaiting clarity on how to comply with this new legal obligation.

What is mandatory dog insurance?

Compulsory insurance for dogs is a policy that covers damages that the animal may cause to third parties, whether they are people or property. Its main objective is to guarantee that the owners assume the economic responsibility derived from possible incidents.

This type of insurance, known as "compulsory dog liability insurance".is an essential tool to promote safe coexistence between animals and people. By covering possible damages, both victims of incidents and owners are protected from unexpected costs.

When does compulsory dog insurance come into force in Spain?

Although Law 7/2023 came into force on September 29, 2023, the mandatory liability insurance for dogs is not yet effective at the national level. This is because the practical application of this measure depends on the approval of a specific regulation establishing the conditions and requirements of the insurance.

According to an informative note issued by the Directorate General of Insurance, the "compulsory insurance for dogs when it comes into force" will only be mandatory once the regulation has been approved. Until then, it cannot be required at the national level.

Mandatory dog insurance coverage

Liability (CR)

The main coverage of compulsory dog insurance is civil liability. This coverage guarantees that, in the event that the dog causes damage to third parties, whether personal injury or property damage, the insurance will cover the associated costs.

The usual minimum capital sums for this coverage vary according to the insurer and the autonomous community. For example, some policies offer coverage of €60,000, €150,000 or even €300,000. In the case of potentially dangerous dogs (PPP), the minimum coverage required is €120,000.

This is part of the "compulsory dog liability insurance"..

Recommended additional coverages

In addition to liability, many insurers offer additional coverages that, although not mandatory, can be very useful:

• Veterinary assistance: Covers medical expenses in case of illness or accident of the dog.
• Legal defense: Provides legal advice and representation in the event of dog-related litigation.

These additional coverages offer more complete protection and can be especially useful in unforeseen situations.

Mandatory dog insurance prices in 2025

The "insurance dogs compulsory price" varies depending on several factors, such as the breed of the dog, its age, the sum insured and the additional coverages included.

Fines and penalties for not having mandatory insurance in 2025

Failure to have the mandatory insurance for dogs can lead to financial penalties. According to Law 7/2023, fines for not complying with this obligation can range from 500 to 10,000 euros, depending on the seriousness of the infraction.

• Minor infraction: Fine of 500 to 1,000 euros.
• Serious infraction: Fine of 1,001 to 5,000 euros.
• Very serious infraction: Fine of 5,001 to 10,000 euros.

In addition to fines, in serious cases, the authorities may proceed to the removal of the animal and the temporary or definitive disqualification of the owner from keeping animals.

Potentially dangerous dogs (PPPs) and compulsory insurance

Dogs classified as PPP are subject to specific regulations that require the contracting of a "mandatory PPP dog insurance" with a minimum coverage of 120,000 euros.

In addition, PPP owners must comply with additional requirements such as:

• Municipal administrative license.
• Passing a psycho-technical test.
• Registration of the animal in the official PPP registry.

How to take out compulsory dog insurance?

Taking out dog liability insurance is a simple process that can be completed in just a few steps:

1. Compare options: Check different insurance companies and compare prices, coverages and conditions.
2. Choosing the right coverage: Consider additional coverages such as veterinary assistance or legal defense.
3. Take out the policy: You can do it online or with an agent.
4. Maintain the policy in force: Renew annually according to the contracted conditions.

Some insurers offer online tools for "calculate your price" o "compare insurance"which facilitates the choice.

Frequently asked questions about compulsory dog insurance

Is insurance mandatory for all dogs?

Yes, according to the "compulsory insurance dogs new law".In the case of dogs, all dog owners must have liability insurance, regardless of breed.

What happens if I don't take out mandatory dog insurance?

You could be fined between €500 and €10,000, plus possible removal of the animal and additional penalties for serious violations.

Does mandatory insurance for dogs cover damages to other animals?

Yes, liability coverage also extends to damage caused to other animals, although it is always advisable to check the details in the policy.

When will we finally know the effective date?

When the official regulation implementing Law 7/2023 is published. Until then, the obligation is not enforceable at the national level.

Conclusion

Taking out liability insurance for dogs is a key measure to ensure the safety and peace of mind of owners and third parties. Although the obligation is not yet enforceable, it is advisable to go ahead and comply with it to avoid possible penalties and protect both the pet and the environment.

Use online tools to calculate the price y compare insurance that fit your needs. Do not wait any longer, protect your dog and avoid unnecessary penalties.