Dog Liability Insurance in Spain from €25/year
Covers damage your dog causes to third parties up to €300,000. Ready for Spain’s Animal Welfare Law (Law 7/2023).
Quick summary of dog liability insurance
What it is
Covers third‑party damages caused by your dog (people or other people’s property).
What it isn’t
It does not cover vet expenses or damage to your own dog.
What you get
Online subscription and a certificate after completion.
Important
Exact cover and exclusions depend on your specific policy.
Is Civil Liability Insurance mandatory?
It depends. Spain’s Animal Welfare Law (Law 7/2023) provides that all dogs must have civil liability insurance, but this general obligation is not enforceable until its implementing regulation is approved, which is still in progress (status reviewed in October 2026). It is already mandatory for potentially dangerous dogs (PPP) and in some autonomous communities with their own rules.
With Miwuki your dog is covered from today for damage it causes to other people, animals or property. Easy, fast and with total peace of mind.
Important note: when you take out the policy you instantly receive the insurance certificate proving your dog has civil liability cover in force. It is useful if your autonomous community or town hall already requires it, if your dog is a PPP, and once the national regulation is approved.
Why choose Miwuki Liability Insurance?
From only €25/year
*Price valid for non-regulated breeds
1 minute signup
No paperwork, 100% online and instant certificate. That easy.
Personal support
We are with you on WhatsApp for any questions, no robots involved.
Total peace of mind
A small investment for great tranquility all year round.
Excellent rating
+4.7 on Trustpilot. Real reviews, no tricks.
How to subscribe in 1 minute?
You just need your furry friend's basic details. As fast as opening a can of their favorite food 🐶🐱
1. Fill in the details
We only ask for the essentials. No endless forms.
2. Choose payment method
Secure and flexible payment. Card, Direct Debit or Bizum.
3. Receive your certificate
Instantly and directly to your email. You are legally covered.
4. And that's it!
Enjoy the peace of mind of being protected. Easy, right?
Cover and exclusions
Quick checklist to understand what is covered and what is not (this doesn’t replace your Particular Conditions).
✅ What does the insurance COVER?
- Third‑party personal injury.
- Third‑party property damage.
- Derived financial losses.
- Legal defense and bail.
- Coverage throughout the European Union.
❌ What does the insurance NOT cover?
- Damage to the dog itself (accident/illness).
- Damage to the owner or close family.
- Damage to your own property.
- Fines or administrative sanctions.
What our clients say
Frequently Asked Questions
✅ What does the insurance COVER?
✅ Miwuki’s Civil Liability insurance covers third‑party damages (people or other people’s property) up to €300,000.
- ✔️ Third‑party personal injury.
- ✔️ Third‑party property damage.
- ✔️ Derived financial losses.
- ✔️ Legal defense and bail.
- ✔️ Coverage throughout the European Union.
What does the insurance NOT cover?
- ❌ Damage to the dog itself (accident or illness).
- ❌ Damage to the owner, close family, or people living with you.
- ❌ Damage to your own property.
- ❌ Fines or administrative sanctions.
📌 Always check the Particular Conditions for more detail.
Does it cover VETERINARY EXPENSES?
❌ No, this insurance does NOT cover veterinary expenses.
It only covers Civil Liability (damages to third parties). If you are looking for vet insurance (illness/accident), click here.
Is it valid for the Animal Welfare LAW (Law 7/2023)?
✅ Yes. It covers the third-party civil liability that Law 7/2023 provides for, with €300,000 of cover, above the €100,000 set out in the draft implementing regulation.
📌 To avoid misunderstandings, always check your policy conditions and current regulations.
WHO does the insurance cover?
It covers the owner and any person looking after the dog for free (friends, family).
In which COUNTRIES is it valid?
🌍 Throughout the European Union (EU) for stays of up to 90 days per year.
Is there an excess (deductible)?
✅ Yes, there is a €200 excess per claim.
This means that if your dog causes damage, you pay the first €200 and the insurance pays the rest up to €300,000.
Can PPP (POTENTIALLY DANGEROUS DOGS) be insured?
✅ Yes, they can be insured.
What PAYMENT METHODS are available?
The payment period is annual exclusively.
How can I contact you if I have questions?
📩 Email: [email protected]
💬 WhatsApp: +34 644 58 52 32
Sources and legal framework
Exact cover, exclusions and conditions depend on the policy you subscribe to. If you have questions, email us at [email protected].
Looking for insurance that reimburses vet expenses?
At Miwuki we also have complete health insurance for your pet, covering illnesses, accidents, and Civil Liability.
