Dog law in Spain: compulsory insurance for dog owners explained
Agency Director | Wealth Protection & Expat Specialist
Spain loves dogs, and many expats bring theirs when they move. But the rules for dog owners have changed in recent years, and insurance is now part of the conversation for every owner, not just those with large breeds.
What the 2023 Animal Welfare Law says
The Animal Welfare Law (Ley 7/2023) introduced a liability insurance requirement for all dog owners, covering damage your dog may cause to other people or animals. Its practical application depends on regulations that are still being developed, so there's been confusion about when and how it's enforced.
Our advice is simple: given how little it costs and how expensive a claim can be, having liability insurance for your dog is worthwhile regardless.
Potentially dangerous dogs
Separately, owners of potentially dangerous dogs (perros potencialmente peligrosos, PPP), which include certain breeds and dogs with specific physical characteristics, have long needed:
A municipal licence, which requires, among other things, a clean record and a psychological and physical aptitude certificate.
Compulsory liability insurance.
Registration in the municipal register and specific rules in public places, such as a muzzle and a short lead.
If your dog may fall into this category, check with your town hall.
Other obligations for dog owners in Murcia
Microchip and registration in the regional pet register.
Up-to-date vaccinations, including rabies where required.
Local bylaws on leads, beaches and parks, which vary between municipalities.
What dog insurance covers
A dog liability policy pays for damage your dog causes to third parties: a bite, a cyclist who falls because of your dog, or damage to someone else's property. Some plans also include vet costs, with access to a network of veterinary clinics.
Our dog insurance has two plans: liability cover, and liability plus veterinary care. Some home insurance policies include pet liability, so check yours first. If you rent, see our tenant insurance.
Moving to Spain with your dog
If you're moving from another country, you'll need to meet the entry requirements for pets, such as microchip, rabies vaccination and a pet passport or health certificate. Check the rules well in advance, especially if you're coming from outside the EU.
How we can help
We'll check whether your current home policy already covers your dog, and if not, set up dog insurance in English in a few minutes. Visit us in central Murcia or message us on WhatsApp.
Insure your dog
The second generation leading the agency’s innovation and its national and international growth. He specialises in business protection and investment strategies, and personally leads our advice for the expat community in Spain.
MiFID II certified financial adviser