The Silent Epidemic: Why Workers Aged 30-55 yrs of age Need Critical Illness Insurance Now !
Something most expats in Spain don’t expect is how quickly a simple vet visit can turn into a big, expensive problem — especially if you don’t speak the language or know how the system works. And that’s usually the moment people realise they need a pet insurance policy that actually protects them, not just their furry friend.
If you’re an expat looking for reliable pet cover in Spain, the short answer is this: yes, pet insurance is worth it, yes, you can get it as an expat, and yes, it can save you hundreds or even thousands of euros in vet bills. Below, you’ll find fast, clear answers to the 10 questions people like you ask most — so you can choose the right policy with confidence.
Why Pet Insurance Matters for Expats in Spain
Living abroad means new rules, new risks and often higher uncertainty when it comes to healthcare — including veterinary care. A good pet insurance policy helps you avoid:
- Unexpected vet bills
- Communication problems in emergencies
- Confusion about what’s covered
- Paying for care that could easily be insured
And at The Insurance Centre, we specialise in helping expats choose simple, English-speaking, reliable cover for their pets.
The 10 Most Common Questions About Pet Insurance for Expats in Spain
1. Can expats in Spain get pet insurance?
Yes. You can get pet insurance in Spain even if you’ve recently moved here. Most insurers only require:
- Your NIE or passport
- Your address in Spain
- Your pet’s microchip number
2. What does pet insurance typically cover?
Coverage depends on the insurer, but most standard plans include:
- Accidents
- Illness and surgery
- Medication
- Diagnostic tests
- Third-party liability (especially important for dogs)
- Some routine care add-ons
3. Are pre-existing conditions covered?
Usually, no. Just like in other countries, pre-existing conditions are normally excluded. That’s why it’s smart to insure your pet as early as possible.
4. How much does pet insurance cost in Spain?
Prices vary by breed, age and coverage level. While we won’t list imaginary numbers, expect that:
- Young pets cost less
- Larger breeds generally cost more
- Higher coverage limits raise premiums
We can provide exact quotes tailored to your situation.
5. Do I need liability insurance for my dog?
If you own a dog, especially a large or strong breed, liability cover is important. It protects you financially if your dog accidentally injures someone or damages property. In some regions of Spain, it’s mandatory.
6. Is pet insurance accepted at all vets?
Most policies work on a reimbursement basis. This means:
- You visit any licensed vet in Spain.
- You pay the bill.
- Your insurer reimburses you after you send the receipt.
Some insurers also offer direct payment for larger procedures.
7. Can I use my pet insurance outside Spain?
Some policies offer European or worldwide cover during travel. Others only cover you inside Spain. If you travel often, you’ll want to choose a plan that includes international protection.
8. Is there a waiting period?
Yes. Most insurers have a waiting period to prevent fraud and ensure conditions aren’t pre-existing. These usually apply to:
- Illness
- Specific surgeries
- Certain treatments
Accidents are often covered immediately or within a very short window.
9. What documents do I need to get insured?
In most cases, you’ll need:
- Your pet’s microchip details
- Vaccination record
- Your ID (NIE or passport)
- Your address in Spain
Some insurers may ask for recent vet check-up notes for older pets.
10. How do I choose the best pet insurance as an expat?
Choose a provider that:
- Speaks your language (important in emergencies)
- Offers clear, simple cover
- Has fast claims processing
- Offers strong accident and illness coverage
- Provides support specifically for expats
At The Insurance Centre, this is exactly what we help with every day.
What Types of Pet Insurance Can You Get in Spain?
Accident-Only Cover
Ideal if you want a budget-friendly option. Covers only injuries from accidents.
Accident + Illness Cover
Most popular option. Covers unexpected illness, surgery, tests and injuries.
Benefits:
- Vet visits
- Medication
- Surgery
- Diagnostics
Comprehensive Plans
Include everything above plus optional extras such as:
- Routine check-ups
- Vaccinations
- Dental cleaning
- Travel cover
Additional Benefits Many Expats Appreciate
English-Speaking Support
No language barriers. No confusion during claims.
Flexible Vets
Go to any vet you trust. No restrictive networks.
Help With Spanish Regulations
Some breeds require special documentation or liability cover. We help you stay compliant.
Is pet insurance required by law in Spain?
Not for all pets, but liability insurance may be required depending on your region and your dog’s breed.
Can older pets get insured?
Yes, but options may be limited and premiums may be higher. Early enrolment is best.
Can I switch insurers easily?
Yes, but pre-existing conditions won’t be covered by the new policy.
Does pet insurance cover vaccinations?
Only if you choose a plan that includes routine care.
How The Insurance Centre Helps Expats Choose the Right Pet Insurance
We specialise in supporting English-speaking expats living anywhere in Spain. Our team explains everything clearly, compares top insurers for you and finds the plan that fits your pet, your lifestyle and your budget.
You’ll get:
- A clear explanation of what’s covered
- Transparent pricing
- Fast support during emergencies
- Zero Spanish-language paperwork stress
Choosing the right pet insurance as an expat in Spain doesn’t have to be confusing. Now you know the 10 most important questions — and the answers that actually help you make a smart decision.
If you’d like personalised guidance or a quick, no-pressure quote, our team at The Insurance Centre is here to help. We’ll make sure you get the right protection for your pet — with zero hassle.
About Our Team
At The Insurance Centre, we’ve been helping clients since 1999 with friendly, professional, and multilingual insurance services tailored especially for expatriates in Spain. We work with top-tier, reputable insurance providers and have proudly received awards for excellence in customer service and expat insurance for the past 10 years.
We are fully registered with the Dirección General de Seguros (DGS) and are members of the Colegio de Mediadores. Our team speaks English, Spanish, French, and Swedish, ensuring clear and confident communication with clients from around the world.
