Best Pet Insurance in Spain for Expats (2026 Guide)

Finding the best pet insurance in Spain can be confusing — especially if you're an expat. This guide simplifies your options so you can choose the right cover with confidence.

If you're new to the topic, start with our complete guide to pet insurance in Spain.

This page may include affiliate links. We may earn a commission if you choose a provider, at no extra cost to you.

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Quick answer: what is the best option?

There is no single “best” provider for everyone. The right choice depends on:

• Your pet (dog, cat, breed, age)
• Whether you need liability insurance
• Your budget
• How much veterinary cover you want

Most expats choose either:

• Liability-only insurance (to meet legal requirements)
• Combined cover (liability + vet care)

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Best types of pet insurance in Spain

1. Liability-only insurance

This is often the minimum requirement, especially for dog owners. It covers damage or injury caused by your pet.

Learn more in our guide to civil liability insurance in Spain.

2. Basic health cover

Covers accidents and some treatments, but usually excludes ongoing illness. This is a lower-cost option.

3. Comprehensive cover

Covers illness, surgery, diagnostics, and ongoing treatment. This offers the highest level of protection.

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What expats should prioritise

• Clear policy wording (ideally English support)
• Simple claims process
• Transparent exclusions
• Appropriate liability limits

If you have a dog, also read pet insurance for dogs in Spain or if you are specifically comparing options for a dog, see our dedicated guide to the best dog insurance in Spain.

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Typical providers in Spain

Spain has a mix of local insurers and international providers. Some focus on liability, while others offer full health cover.

We are currently reviewing providers suitable for expats and will update this page with detailed comparisons shortly.

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