Getting pet insurance for our rescue dog was so easy. The team explained everything in English and helped us find a plan that covered exactly what we needed.
Mandatory-law compliantAny age, any breed5 languages
Vet care insurance for your pet in Spain
Pet insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market. Spain's Animal Welfare Act made civil-liability insurance compulsory for all dogs — we offer the cheapest legally-compliant cover from €47/year. Plus full health tiers with vet visits, vaccines and preventive diagnostics. No medical questionnaire, no breed exclusions, no age limit. Payable annually, half-yearly, quarterly or monthly.
From From €47 /yearCivil Liability tier from €47/year (typically €3.90/month direct debit) — meets Spain's mandatory dog-insurance law. Health Plan from €233/year, Premium Health from €330/year. Multi-pet discount: 5% (2 pets), 10% (3), 15% (4–5).
4.8/5
15,000+ expats helpedEN • ES • DE • FIFrom
From €47/year
Civil Liability tier from €47/year (typically €3.90/month direct debit) — meets Spain's mandatory dog-insurance law. Health Plan from €233/year, Premium Health from €330/year. Multi-pet discount: 5% (2 pets), 10% (3), 15% (4–5).
Licensed Agent
DGSFP #C0031B93323293
Who is this for?
Every dog owner in Spain (now legally required) and any cat owner who wants vet-bill protection. No medical questionnaire, no breed exclusions, no age limit.
When does it start?
All standard cover starts from day one — no waiting periods. The only exception is cremation/incineration cover, which has a 3-month waiting period.
Documents needed
Microchip number, breed, age, and your DNI/NIE. No vet questionnaire required.
Languages we support
English, Spanish, German, Finnish, Swedish — you always speak to us in your language.
Compare pet insurance plans in Spain
Choose the right level of cover for your dog or cat
Tier 01
MIMAscota Civil Liability
From €47/year
- €350,000 third-party liability
- 24/7 vet telemedicine
- Animal Welfare Act compliant
- Unlimited vet consultations
- Core vaccines
- Annual diagnostics (urine/blood)
- Internal deworming
Best for
Cheapest legally-compliant dog cover · PPP-breed owners (350k limit covers requirement) · Owners with their own vet arrangements
Not recommended for
Owners who want vet visits and vaccines bundled
Most Popular
Tier 02
MIMAscota Health Plan
From €233/year
- €350,000 third-party liability
- 24/7 vet telemedicine
- Unlimited vet consultations
- Core vaccines (rabies, tetravalent, polyvalent, kennel cough, feline trivalent, leukaemia)
- Vital emergency consultations
- Post-surgery care + stitch removal
- Annual diagnostics (urine/blood)
- Internal deworming
Best for
Most owners — the sweet spot · Predictable vet costs · Vaccinations included
Not recommended for
Owners who only need legal compliance
Tier 03
MIMAscota Premium Health
From €330/year
- €350,000 third-party liability
- 24/7 vet telemedicine
- Unlimited vet consultations
- Core vaccines
- Vital emergency consultations
- Post-surgery care + stitch removal
- Annual urine and blood tests
- Annual abdominal ultrasound + hypertension screening
- Internal deworming
Best for
Older pets · Owners wanting preventive screening · Multi-pet households (15% off for 4–5)
Not recommended for
Strict budget-only owners
What drives the price of MIMAscota pet insurance
MIMAscota pricing is straightforward — the tier you pick is the main driver, plus the number of pets. No age loading, no breed loading, no medical underwriting.
Price drivers
- Tier choice: Civil Liability €3.90, Health Plan €19.40, or Premium Health €27.50 per pet/month
- Number of pets: Multi-pet discount: 5% off for 2 pets, 10% for 3, 15% for 4–5 pets — applied automatically
- Species: Cats and dogs both eligible — same MIMAscota tiers, vaccines differ (feline trivalent/leukaemia for cats)
- Payment frequency: Annual, half-yearly, quarterly or monthly — no surcharges for installments
- Optional add-ons: Cremation/incineration cover and daycare/home-care during owner hospitalisation
Example profiles
Single dog, legal-compliance only: Civil Liability €3.90/month — meets Animal Welfare Act
Single dog or cat, full health cover: Health Plan €19.40/month — unlimited vet visits + vaccines
Older pet wanting preventive screening: Premium Health €27.50/month — adds annual diagnostics
Three-dog household, all on Health Plan: €19.40 × 3 = €58.20, then 10% multi-pet discount
PPP breed (Pit Bull, Rottweiler, etc.): Civil Liability €3.90/month — €350k limit covers PPP requirement
Request a quote and we'll find the best MIMAscota tier for your pet.
For expats in Spain, the biggest value in pet insurance is access to emergency care without worrying about a €2,000+ surgery bill. Most claims we see are for accidents and sudden illnesses – exactly what insurance is designed for.
Maya Kallio
Licensed Insurance Agent, DGSFP
How it works
Getting pet insurance in Spain is simple with our streamlined process
01
Tell us about your pet
Share microchip number, breed and age — that's all we need. No medical questionnaire, no veterinary check-up required.
02
Pick the right MIMAscota tier
Civil Liability (€3.90) for legal compliance, Health Plan (€19.40) for vet visits + vaccines, or Premium Health (€27.50) for annual diagnostics.
03
Fast activation
No questionnaire, no waiting period for standard cover — most policies activate the same day. Multi-pet discounts apply automatically (5%/10%/15%).
04
We help with setup and claims
We guide you through activation, the MIMAvet app and claims — from a bite incident to a vet visit, in plain English.
Protect your pet's health in Spain
From routine check-ups to emergency surgery – we've got your pet covered.
Requirements and documents
Activation is fast — no medical questionnaire, no vet check-up. Just identify the pet and the owner.
Checklist
- Microchip number (proof of pet identification)
- Breed (declared at quote)
- Pet's age and species (dog or cat)
- Owner's DNI or NIE
- Spanish address
Just got a dog in Spain?
Civil-liability insurance is now mandatory for ALL dogs under the Animal Welfare Act. MIMAscota Civil Liability at €3.90/mo activates the same day, no questionnaire required.
Coverage overview
What's covered?
Clear breakdown of what pet insurance in Spain typically includes, optional add-ons, and exclusions
Standard cover
Included
- €350,000 third-party liability (every tier — meets mandatory dog-insurance law and PPP requirements)
- 24/7 veterinary telemedicine — phone, chat or video via the Caser MIMAvet app
- Unlimited general and specialist vet consultations (Health & Premium)
- Core vaccines: rabies, canine tetravalent, canine polyvalent, kennel cough, feline trivalent, feline leukaemia (Health & Premium)
- Vital emergency consultations (Health & Premium)
- Post-surgery care and stitch removal (Health & Premium)
- Annual urine and blood tests, abdominal ultrasound, hypertension screening (Premium only)
- Internal deworming (Premium only)
- Pet passport application support
- Legal defence and claims handling for liability incidents
Add to your policy
Optional
- Cremation/incineration reimbursement (3-month waiting period)
- Daycare or home pet care if you're hospitalised
- Travel cover abroad — see our travel insurance pet add-on (€1,000 emergency vet + €500 repatriation)
Read carefully
Not covered
- Caser MIMAscota explicitly states no breed exclusions and no health exclusions for standard cover
- False or incomplete declarations at quote can void cover — declare honestly
- Cremation cover during the first 3 months
- Pet care abroad — covered separately by travel insurance pet add-ons
Who can get MIMAscota pet insurance in Spain?
All dogs (now legally required) and all cats accepted — any breed, any age, no medical questionnaire.
All dog owners
Spain's Animal Welfare Act made third-party liability insurance MANDATORY for ALL dogs (not just PPP). MIMAscota Civil Liability at €3.90/mo is the cheapest legally-compliant option — €350,000 cover with 24/7 telemedicine.
Read the pet guideCat owners
Cats aren't subject to mandatory insurance, but Health Plan (€19.40) and Premium (€27.50) are great value — unlimited vet visits, feline trivalent and leukaemia vaccines, and 24/7 telemedicine.
Read the pet guidePPP breed owners
Pit Bull Terrier, Staffordshire Bull Terrier, Rottweiler, Akita Inu, Tosa Inu and other PPP breeds have always required higher liability cover. MIMAscota's €350k limit covers the PPP requirement — no upcharge.
Read the pet guideOlder pets and pets with health issues
No age limit, no medical questionnaire, no breed exclusions. Caser MIMAscota explicitly accepts pets regardless of age or health status — declare honestly at quote and you're in.
Read the pet guideWhy choose us
Why choose us for pet insurance?
Here's why expat pet owners in Spain trust us with their furry friends
i.
Cheapest legally-compliant option
MIMAscota Civil Liability at €3.90/mo provides the €350,000 third-party cover required by Spain's Animal Welfare Act for ALL dogs. The lowest price that ticks the legal box.
ii.
No breed exclusions
Every breed accepted, including PPP (Pit Bull, Rottweiler, Akita, Tosa Inu, etc.). The €350k liability limit covers the higher PPP requirement automatically.
iii.
No age limit
Older pets and pets with health issues are accepted. Caser MIMAscota explicitly takes pets at any age — no upper cut-off.
iv.
No medical questionnaire
Fast activation — no veterinary questionnaire, no health declarations to chase down. Standard cover starts day one.
v.
Multi-pet discounts
5% off for 2 pets, 10% for 3 pets, 15% for 4–5 pets — applied automatically at quote.
vi.
English-speaking support throughout
We help with activation, the MIMAvet app, telemedicine and any claim — from a bite incident to a vet visit, all in your language.
Excess on MIMAscota pet insurance
Best for legal-compliance-only owners and PPP-breed owners
Civil Liability (flat-rate, no excess)
- Flat €3.90/month, no per-claim deductible on liability
- €350,000 third-party limit covers mandatory law and PPP requirement
- 24/7 vet telemedicine included with no charge per call
- No medical questionnaire, no age loading
Best for owners who want predictable vet costs
Health & Premium (Caservet network)
- Use the Caservet clinic network — direct billing, no upfront vet payment
- Unlimited consultations included in the monthly premium
- Preferred pricing on treatments outside the standard list (Premium tier)
- Telemedicine first means many issues resolve with no clinic trip at all
MIMAscota uses flat monthly pricing with no per-claim excess on standard cover. We'll help you pick the right tier — message us with your pet's details for a personalised recommendation.
What to do at a vet visit or bite incident
01
Vet visit: open the Caser MIMAvet app and start a 24/7 telemedicine call first — many issues resolve without leaving home
02
If a clinic visit is needed, use a Caservet network clinic for direct billing (Health & Premium tiers)
03
Bite or property-damage incident: keep calm, exchange details with the other party, take photos of any injuries or damage
04
Call Caser's claims line as soon as you can to open a liability claim — €350,000 cover plus legal defence
05
Keep all vet reports, receipts, witness statements and microchip details
06
Contact us — we'll help prepare and submit the claim in English
Caservet network clinics offer direct billing on Health & Premium tiers — you don't pay upfront. For liability claims, Caser handles legal defence and damages on your behalf up to €350,000.
Coverage areas
01 · Region
All of Spain
Full cover throughout mainland Spain, the Canary Islands and the Balearic Islands. Vet visits via the Caservet clinic network (Health & Premium tiers) plus 24/7 telemedicine on every tier.
02 · Region
Travel abroad with your pet
MIMAscota covers your pet inside Spain. For trips abroad, see our travel insurance pet add-on: €1,000 emergency vet treatment plus €500 for repatriation if your pet falls ill or is injured outside Spain.
03 · Region
Liability cover
The €350,000 third-party liability limit applies to incidents caused by your pet — bite, property damage, accident — anywhere within the policy territory.
MIMAscota is a Spain-based pet policy. We'll explain how the travel insurance pet add-on works for trips outside Spain before you commit.
Many expats under-insure their pets. Adding wellness cover costs €5-10 extra per month but covers annual vaccines, check-ups and preventive treatments that can catch problems early.
Marco Elsinger
Licensed Insurance Agent, DGSFP
Key Terms
Spanish pet insurance terms
Understanding these Spanish terms helps when visiting the vet or reading your policy
Seguro de mascotas
pet insurance
Seguro para perros
dog insurance
Seguro para gatos
cat insurance
Veterinario
veterinarian / vet
Clínica veterinaria
veterinary clinic
Urgencias veterinarias
veterinary emergencies
Franquicia
excess / deductible
Prima
premium (monthly/annual cost)
Cobertura
coverage
Enfermedad preexistente
pre-existing condition
Responsabilidad civil
third-party liability
Vacunación
vaccination
Microchip
microchip
Pasaporte de mascota
pet passport
Common questions
Frequently asked questions about pet insurance in Spain
Anything more specific — call or WhatsApp, we'll pick up.
Is pet insurance mandatory in Spain?
Yes for ALL dogs — Spain's Animal Welfare Act made civil-liability insurance compulsory for all dogs regardless of breed. Cats are not subject to mandatory insurance. PPP-classified breeds (Pit Bull Terrier, Rottweiler, Akita, etc.) have always required higher liability cover.
What's the cheapest legal option for my dog?
MIMAscota Civil Liability at €3.90/mo provides the €350,000 third-party liability cover required by law, plus 24/7 vet telemedicine. It's the cheapest legally-compliant option on the market.
What about PPP (Perros Potencialmente Peligrosos) breeds?
PPP breeds (Pit Bull Terrier, Staffordshire Bull Terrier, Rottweiler, Akita Inu, Tosa Inu, etc.) have always required higher liability cover. MIMAscota's €350k limit covers PPP requirements — no upcharge or separate policy needed.
Are there breed exclusions?
No — all dog and cat breeds accepted. Caser MIMAscota explicitly states no breed exclusions.
Is there an age limit?
No — older pets and pets with health issues are accepted. No medical questionnaire and no upper age cut-off. Declare your pet's details honestly at quote and you're in.
Are pre-existing conditions covered?
Caser states no health exclusions, meaning pre-existing conditions are not used to deny cover. However, always declare honestly at quote — false declarations can void cover.
What does pet health insurance cover?
The Health Plan tier (€19.40/mo) covers unlimited vet consultations, core vaccines (rabies, tetravalent, polyvalent, kennel cough, feline trivalent, leukaemia), vital emergency consultations and post-surgery care. The Premium tier (€27.50/mo) adds annual diagnostics — urine, blood, ultrasound, hypertension screening — plus internal deworming.
Which tier should I pick?
Just need legal compliance for a dog → Civil Liability (€3.90/mo). Want vet visits and vaccines included → Health Plan (€19.40/mo). Want preventative annual diagnostics → Premium Health (€27.50/mo). Most owners pick Health Plan as the sweet spot.
How does the multi-pet discount work?
Insure 2 pets → 5% off. 3 pets → 10% off. 4–5 pets → 15% off. Applied automatically at quote.
Are there waiting periods?
No, except 3 months for cremation/incineration cover. All other cover — liability, vet visits, vaccines, diagnostics — is from day one.
What's covered abroad?
MIMAscota is for cover in Spain. For trips abroad with your pet, see our travel insurance pet add-on: €1,000 emergency vet treatment plus €500 for repatriation.
How do I get a quote?
You can complete our quick online form, send us a WhatsApp message or call us. We collect microchip number, breed, age and your DNI/NIE — no medical questionnaire — and send you clear MIMAscota tier options with prices and our recommendation.
Related guides
Related guides
Customer Reviews
Customer reviews
5/ 5
Based on 240+ reviews from expats across Spain
When our cat needed emergency surgery, they walked us through the whole claims process. We got reimbursed quickly and without any hassle.
Really helpful service. They found a Caser MIMAscota plan that accepted our dog's pre-existing condition from the UK.
Great support throughout the process. The only minor issue was a slight delay in getting the policy documents, but overall very satisfied.
