Insurance for Dogs

They go from 70 to 60,000 euros! – Health Insurance

Carmen Aniorte




As it seems and the data we refer, the number of people who enjoy the company of a dog does not stop growing. The Spanish prefer more to have a pet at home than a son. Than birth rate is going down year after year It is a fact that no one doubts, last year the number of births was reduced by 6.1%, about 23,879 children less, a number that increases considerably if we go back to the last five years, reaching 58,293 births less, which represents a 13.7% difference. However, year after year, the number of pets is increasing, in fact, in the last five years it has increased 40% to reach 13 million pets, of which just over 12 million are dogs.

These are followed by 6% of cats, and the rest, especially small rodents such as rabbits, hamster, guinea pigs, gerbils or dwarf rabbits. Anyway, this data can be higher and there is still many pet owners who don’t have their animals registered. In the case of dogs – as we always say – the microchip is mandatory. It is a simple way of registration and control. Cats do not, not all autonomous communities (are responsible for this matter) require cats to be registered, so the actual figure may be higher than the one registered.

Veterinarians consulted advise putting the chip to cats and in this way as in the case of his « friends » Dogs are an advantage – not only of control – but also a form of location if they escape or get lost.

Changes in the family model

The family model has changed and today we share our lives with our pets more than ever. Each time exclusive services appear, especially for dogs. Hotel, restaurants and cafeterias Dogfriendly, cinemas and even doga classes (a kind of yoga shared between dog and owner). Spaniards with pets spend an average of 1,000 euros a year for each pet. According to data offered by currently in Spain only 3% of dogs are insured.

There is the circumstance that unless they are PPP or those considered dangerous in most autonomous communities it is not mandatory to have insurance … but are we prepared to assume the expenses that our pet would generate if it attacks another dog or to a person? If he becomes seriously ill? If he escapes and causes an accident?

At present there are insurances that cover: Veterinary assistance, Civil Liability before third parties, Theft or loss, Death. In addition, insurance can also cover veterinary telephone assistance, legal defense for damages that may have caused, second veterinary opinion, nurseries, 24-hour veterinarian or even in some cases home delivery.

Great responsibilities

Having a pet carries a series of responsibilities that, in case of non-compliance, can lead to serious penalties for owners. Although each city or Autonomous Community has its own regulation, from Generalli they have identified which are the most common and many of them unknown to animal owners … much attention and, as I would say José María García, Eye to the data!

Do not bring the pet correctly in the car

If the dog is small, it must be placed on the floor of the back seat, never on the seat secured by a seat belt. The larger ones will go better in the trunk, separated by a rack or a net or subjects with a double anchorage harness. And in general for all sizes, if they are sitting in the rear seats of the car they should be attached with a double anchorage harness, attached to the hooks of two safety belts. The fine for not complying with this rule ranges between 100 and 200 euros.

Do not clean your stool and urine

Today, everyone is clear that they must collect the excrements of their dogs with the typical bag and deposit it in special containers or in the garbage, not doing so entails a fine ranging from 300 to 3,000 euros, but what that many citizens do not know is that depending on where you live, they also have to clean the urine of their dogs with water and vinegar or disinfectant, depending on the city ranges between 70 and 750 euros, although there are places like Palma that the fine can amount to 1,500 Euros

– Pass the dog without a leash

All dogs, without exception, are required to walk on a leash, except in the « canine spaces » within the parks that are gradually being introduced into the cities. Fines: between 90 and 300 euros. The penalty becomes very difficult when the pet without a leash is one of the races considered as « potentially dangerous »: pit bull terrier, Argentine bulldog, rottweiler, American staffordshire terrier, staffordshire bull terrier, Brazilian row, Tosa Inu and Akita Inu with fines ranging between 300 and 3,000 euros, in addition, they must go with a muzzle.

-Have dogs identified

Again, each Community establishes a different regulation, but generally it is necessary to register them in a Municipal or Autonomous Census, insert a microchip and have them identified with a plaque on their necklaces, fines, between 500 and 6,000 euros. In the case of dangerous dogs in addition to this they must have contracted a civil liability insurance and the owners have a license to have them. In some communities, the pet’s DNA must also be registered in the municipal genetic bank since there are patrols that they collect feces from the streets, analyze them and detect by DNA which dog they correspond to. About 200 euros for not having the identification plate and if they identify our dog for the excrement, in addition to the corresponding fine for not having collected them, the amount of the laboratory analysis will be added.

-Abandon or mistreat an animal

In Spain about 120,000 dogs are abandoned per year, many owners take risks despite the fact that the fine is one of the most expensive, can reach up to 30,000 euros. Animal abuse is sanctioned with similar amounts.

-Sell animals as a private individual

Breeding is prohibited for commercial purposes without the corresponding permits, it is considered a serious infraction and carries fines ranging from 3,000 to 9,000 euros.

-Vaccination against rabies

In some communities it is mandatory to have the dog vaccinated against rabies, not doing so means between 300 and 2,400 euros.

-Other curious fines that many owners do not know

Noise: if you disturb the rest of the neighbors at night or in the nap around 300 euros. Cause damage in green areas from 30 to 90 euros. Burying the pet in the field can cost up to 60,000 euros. Practice euthanasia if they suffer from a treatable disease in which the animal can lead a decent life between 9,000 and 35,000 euros. Mutilate animals for aesthetic purposes (such as cutting the ears or tail of certain dog breeds) from 3,000 to 30,000.