Dog Insurance in Spain – Mandatory Coverage for All Owners | Exactly Accountancy

Dog insurance in Spain is now mandatory for all owners — regardless of the breed. This new requirement comes under Spain’s updated Animal Welfare Law, which replaces the older rule that only applied to PPPs (Perros Potencialmente Peligrosos, or “potentially dangerous dogs”).

What Changed Under the New Dog Insurance Law in Spain?

Previously, Royal Decree 287/2002 required civil liability insurance of at least €120,000 for owners of PPP breeds. However, autonomous communities like Madrid and the Basque Country had already enforced this for all dogs — regardless of breed — before the national law changed.

As of September 2023, the law applies across Spain:

Every dog owner must hold dog insurance in Spain, no matter the breed.

How Much Does Dog Insurance in Spain Cost?

Basic civil liability insurance for dogs in Spain typically costs between €20 and €30 per year. The price depends on:

Breed of the dog
Age and health
Level of coverage
Risk category (PPP breeds often pay slightly more)

Is a Pet Tax Coming to Spain?

In addition to the dog insurance law in Spain, several municipalities are discussing the idea of a pet ownership tax, similar to those in Germany or Switzerland.

In those countries, pet owners pay an annual tax that helps cover:

Animal welfare services
Public cleanliness and waste management
Local infrastructure

Spain has explored this idea before — like in Zamora (2018) — but no law was passed. Still, the topic has resurfaced in 2025 and may become a national policy in the near future.

💡 With pet ownership already costing around €1,400/year in Spain (including food, vet care, and grooming), a tax could increase the financial responsibility of owning a pet.

What Should Dog Owners in Spain Do Now?

If you own a dog in Spain:

✔️ You must take out civil liability insurance — regardless of breed.
🐾 Exactly Accountancy offers simple and affordable pet insurance that meets legal standards.
📞 Need assistance? Contact us for a free consultation or to get a quote.