How Much Does Pet Insurance Cost in Spain?

Pet insurance in Spain is generally more affordable than in countries like the UK — but prices can vary widely. Here’s what you can expect and what affects the cost.

If you're just getting started, read our complete guide to pet insurance in Spain for expats for a broader overview.

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Typical price ranges

Pet insurance costs in Spain usually fall into the following ranges:

• Liability only: €20–€50 per year
• Basic health cover: €10–€20 per month
• Comprehensive cover: €20–€40+ per month

These are general estimates — actual prices will depend on your pet and coverage level.

For dog owners, it’s also worth understanding whether pet insurance is mandatory in Spain, as liability cover may be a legal requirement.

If you specifically own a dog, you may also want to read our guide to pet insurance for dogs in Spain.

If you're trying to minimise costs, read our guide to cheap pet insurance in Spain.

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What affects the cost?

Several factors influence how much you’ll pay:

• Breed: Some breeds are more expensive to insure
• Age: Older pets cost more
• Coverage level: More cover = higher premium
• Location: Vet costs vary slightly by region

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Why Spain is often cheaper than the UK

Many expats are surprised to find that pet insurance in Spain is cheaper than in the UK.

This is largely due to:

• Lower veterinary costs
• Different insurance models
• Less widespread adoption of insurance

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Hidden costs to watch out for

• Excess (deductibles)
• Coverage limits
• Exclusions for certain conditions
• Age restrictions

Always check what is actually covered before choosing a policy.

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Is the cheapest option the best?

Not necessarily.

The cheapest policies often provide minimal coverage. A slightly more expensive plan may offer significantly better protection.

For a broader comparison of what expats should look for, see our guide to the best pet insurance for expats in Spain.

If liability cover is your main focus, see our guide to civil liability insurance for dogs in Spain.

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