Pet insurance in Spain

PET INSURANCE IN SPAIN FOR CATS, DOGS, HORSES & PONIES.

AFFORDABLE PROTECTION FOR YOUR PETS IN SPAIN & EUROPE.

cheap pet insurance in spain for cats and dogs including dangerous dogs
Pet-insurance-spain-cat-dog-dangerous-petplans-seguros-animales-espana-greece-Gibraltar-PET INSURANCE IN SPAIN.

At www.insuranceinspain.com we love and understand all about pets. Our staff are more than happy to help you with Pet Insurance to protect your pets in Spain. As an exclusive insurance Agency for Liberty Seguros, www.insuranceinspain.com can provide you with comprehensive cover to protect your cats, dogs, horses and ponies in Spain.  We can cover dangerous dogs, with or without third party liability, vetinerary fees, and much more.  Details of the cover are indicated below.

A. MAIN COVER

A.1. Death of the animal in the event of an accident

For this area of cover the insurer shall indemnify, within the limits established for such in the policy schedule, the value of the animal in the event of its death or necessary euthanasia as the result of an accident.

Valuations in excess of 300€ must be accredited by means of specific documentation pertaining to the animal, with the following considered valid to said effect: invoices, pedigree certificates and registration in the corresponding pedigree book.

There is a 15-day elimination period for this cover, beginning on the inception date of the contract.

A.2. Euthanasia and disposal of the remains of the animal

The insurer provides cover, up to the limit of the insured sum for this area as specified in the schedule, for the expenses arising from the necessary euthanasia of the insured animal and disposal of the body, when the veterinarian considers such to be necessary as a result of the following:

If it is recommended owing to the nature of the injuries suffered as the result of an accident.
If it is recommended, owing to the irreversible physical deterioration of the animal, as the result of ageing or illness.

cheap pet insurance in spain for cats dogs kittens puppiesEXCLUDED RISKS:

Expenses arising from the following causes shall not be indemnified:

– Veterinary services other than those performed in order to euthanise the animal and dispose of its remains.
– The necessary euthanasia and disposal of remains as a result of causes other than those specified in section A.2.
In general, an elimination period of 15 days is established for this cover. In the event of euthanasia as a result of ageing or illness, an elimination period of 4 months (beginning from the inception date of the policy) is established.

 

A.3. Expenses for burial or cremation

The insurer shall provide cover for the payment of expenses arising from the burial or cremation of the insured animal, up to the limit agreed in the schedule.
In general, an elimination period of 15 days is established for this cover. In the event of euthanasia as a result of ageing or illness, an elimination period of 4 months (beginning from the inception date of the policy) is established.

A.4. Veterinary assistance due to an accident

Cover shall be provided for expenses arising from the actions taken by a veterinarian as a result of an accident suffered by the insured animal, with a limit of 1,000. In the event that the value of the animal is higher than this amount, the limit will be that established in the policy schedule.

Provided they arise from an accident, veterinary expenses shall be taken to mean expenses arising from the following actions:

–    Initial examinations, X-rays, analyses, electrocardiograms.
–    Surgery or any other interventions, anaesthesia, surgical materials, medication for osteosynthesis, prosthetics and/or fibre-optic endoscopy that may be required.
–    Post-operative care, treatment and time spent at clinics, where necessary.
–     Expenses arising from home visits by the veterinarian for the cases described above. For the purposes of this accident cover, the following events are considered to be covered:
–    Being hit by a vehicle.  
–    Aggression between animals.
–    Internal injuries, breakage or trauma that impede the animal’s normal walking, running and/or jumping movement.
–    Road-traffic accidents that occur while the animal is being transported in a motor vehicle.
–    Falls resulting in internal injuries or trauma to the animal.
–    Ingestion of foreign bodies, with a limit for this cover of one claim per period of insurance.
–    Heat stroke.
–    Burns.
–    Injuries or granulomas caused by the introduction of foreign bodies into the eyes, ears or skin.
–    Any other bodily injury arising from a violent, sudden and external act that was not intended by the insured, including acts of vandalism.

EXCLUDED RISKS:

cheap-pet-insurance-in-spain-cats-dogs-pets-kittens-puppies

In addition to the general exclusions, cover is not provided for the reimbursement of veterinary expenses that arise as a result of the following:
.    Any form of illness, including those transmitted via stings or bites from insects, mites, rodents or other mammals.
.    Poisoning or intoxication, whether resulting from ingestion, inhalation, stings or bites.
.    Injuries or illnesses caused by or arising from the age of the animal..    Surgery of an aesthetic nature, such as operations performed on some breeds in order to shape their ears or tails, and de

clawing..    Death of the animal during surgery or as a result of same, if the surgery was performed for reasons not included under the accident cover.
.    Any event arising from the practice of hunting. 
.   Slow or difficult deliveries or ceasarean sections in female pedigree animals which generally require veterinary assistance when giving birth as a consequence of their anatomical characteristics, particularly brachycephalic breeds such as French and English Bulldogs and Boston Terriers.
.    Expenses arising from the euthanasia and/or disposal of the remains of the insured animal.
An elimination period of 15 days is established for this cover.

A.5. Theft with violence

The insurer shall indemnify the insured to the value of the insured animal, up to the limit set as the sum insured for this cover.

Valuations in excess of 300 must be accredited by means of specific documentation pertaining to the animal, with the following considered valid to said effect: invoices, pedigree certificates and registration in the corresponding pedigree book.

If the insured animal is recovered within 60 days of the date of the claim, and if the indemnity has been paid out, the insured may either regain possession of the animal and return the corresponding indemnity received, or, only when the insured has already acquired a new animal, retain the indemnity and surrender the animal to the sole ownership of the company.

best pet insurance and pet plans in spain in english

EXCLUDED RISKS:

In addition to the general exclusions, cover is not provided for larceny or loss under the definition of these concepts in the general conditions for the insurance.
An elimination period of 15 days is established for this cover.

A.6. Loss

The insurer shall provide cover to the insured for the expenses arising from announcements made in the local radio stations and press for the purposes of locating the animal, up to the limit agreed in the schedule.

Likewise, and up to the limit established as the sum insured for this cover, the policy shall also include the expenses arising from boarding the lost animal in the event that when it is found it cannot be returned to the insured immediately.An elimination period of 15 days is established for this cover.

A.7. Stay at a kennel/cattery due to hospitalisation of the owner

Up to the limit established as the insured sum for this cover in the schedule, the insurer shall cover the expenses arising from the insured animal’s stay at an authorised kennels or cattery, provided it is required as a result of the owner’s hospitalisation due to accident, illness or childbirth.

The insured sum established in the policy schedule represents the maximum limit for indemnity that the insurer will pay in each insurance period, which is taken to mean the material duration of the policy as specified in the schedule.

For insurance purposes, the maximum amount of time the animal can spend at the kennel/cattery shall be equal to the number of days the insured spends in hospital, extendable by two further days to account for admittance and discharge procedures.

EXCLUDED RISKS:
This benefit shall not be provided in the event of hospitalisation of a person other than the insured. Nor shall it be provided in the event of the insured’s death when s/he is not hospitalised or is hospitalised for just one day.
An elimination period of 15 days is established for this cover.

A.8. Telephone assistance

Information service
Provides contact information to give clients easy access to the following services:
–  Hotels in Spain that allow pets.
–  Animal shelters and rescue homes.
–  Pet clubs.
–  Animal-training centres.
–  Pet groomers.
–  Pet sitters.
–  Attending competitions and other events.
–  Breeders.
–  Specialist shops.        

– Official procedures for pet transport.

Advice service

Provides advice and guidance for dealing with the following situations:

What to do before getting a pet: anyone wishing to acquire or adopt an animal can request advice regarding breeds, sizes and behaviour, taking into consideration the physical, social or family environment in which the pet would be living.

Before travelling abroad: if a pet owner is thinking of travelling abroad, s/he can request specific information for the destination country in terms of the public health and administrative requirements for taking his/her pet there.

Veterinary advice by telephone: a 24-hour service where owners can seek advice regarding symptoms, veterinary treatments, health programmes, geriatric care, oral care, etc. This service includes a veterinary diagnosis and should be treated as advice.

Advice on administrative procedures: this service offers guidance on official proceduresinvolving public authorities or private organisations that affect your pet. Any expenses that may arise from a particular course of action will be the responsibility of the animal’s owner. 

Legal assistance. Legal advice
Legal advice by telephone: this service provides owners with legal advice over the telephone concerning any legal situation or query affecting them with regards to their pet. If the advice gives rise to a course of action resulting in the generation of professional legal fees, these shall be the responsibility of the animal’s owner.

B. OPTIONAL COVER

B.1. Veterinary assistance due to illness

This cover is provided on the basis of the declarations made by the insurance policyholder in the insurance questionnaire/proposal form given to him/her by the insurer. This document includes the specific section “Declaration of the animal’s state of health” which determines the valuation and acceptance of risk and the calculation of the corresponding premium.

Animals that are less than three months old cannot be the object of this insurance cover, nor can animals that are more than seven years old (in this latter case, the legal extension of the contract is permitted).

After the first five years have passed the premium will increase in accordance with the rates stipulated in the schedule.

Covered risks
Provided this cover has been expressly included in the policy schedule, the insurer will cover the payment of expenses for veterinary assistance given to the animal as a result of illness, up to the limit of the insured sum.
The insured sum specified for this cover in the policy schedule represents the limit per insurance year.
Expenses for veterinary assistance
For insurance purposes, these expenses shall be taken to mean the costs arising from the series of actions taken by a veterinarian in relation to the insured animal as a result of illness.

Exclusively, the following expenses for veterinary assistance are considered to be covered:
 –  Veterinary consultation.  

–  Diagnostic tests.

–  Laboratory analysis.

–  Surgery, anaesthesia and post-surgical veterinary care as a result of surgery. This item includes the necessary osteosynthesis materials and prostheses used

–  Hospitalisation of the animal at a veterinary clinic.  

–  Home veterinary assistance. Veterinary assistance shall be understood to include the administration of fluids and injectable medicines the animal may require during veterinary treatment, provided it takes place under the following circumstances  

–  Injectable treatment administered during the first clinical procedure following diagnosis of an illness

–  Medication used to ensure appropriate handling of the animal during veterinary treatment, including sedation or anaesthesia where this is a necessity.

–  Injectable treatment required during surgery, including during post-surgical care, until the animal is discharged from the veterinary centre.

EXCLUDED RISKS: The following are not covered:

Veterinary assistance that is not a direct consequence of an illness.

Expenses for veterinary costs other than those expressly indicated above.

Serums, pharmaceutical products and medication of any kind administered to the animal during subsequent follow-up veterinary consultations until its full recovery, except for injectable treatments administered during the first clinical procedure performed after the diagnosis of an illness and the medication required to ensure appropriate handling of the animal during the procedure (sedation or anaesthesia). Immunotherapy (vaccinations) for the treatment of allergies.

Acupuncture treatment.

Expenses for veterinary assistance arising from: visits not requiring treatment or in which no diagnosis was given; tattoo or microchip-identification; vaccinations, parasite treatments and preventive treatments of any kind; check-ups, revisions and general examinations of a preventive nature.

Any expenses arising from veterinary assistance relating to congenital diseases or anomalies, including expenses corresponding to consultations, diagnostic tests and laboratory analyses.

Veterinary assistance for the following illnesses and/or anomalies is expressly excluded:
 –  Hip or elbow dysplasia.
 –  Hemivertebra.
 –  Congenital knee dislocation.
 –  Ectropion, entropion, eyelash disorders (distichiasis).
 –  Anatomical disorders associated with the structure of the nictating membrane/ third eyelid, such as protrusion, prolapsed glands or cartilage eversion.
 –  Ectopic testicles (monorchism, cryptorchidism).
 –  Elongated palate, with or without brachycephalic syndrome.
 –  Non-traumatic umbilical hernia.
 –  Expenses arising from infectious diseases for which there is a vaccine, provided the corresponding immunisation schedule has not been followed.
 –  Any expenses arising from the infection (or suspected infection) of rabies.
 –  Expenses related to sterilisation or castration, unless this is deemed necessary to treat an illness suffered by the animal that is causing a serious deterioration to its physical condition.
 –  Any expenses arising from gestation, including diagnosis, monitoring and assistance during the birth, with the exception of expenses for assistance as a result of slow or difficult delivery or caesarean section.
–  Abortion procedures and related consequences, along with expenses for artificial insemination.
–  Slow or difficult delivery or caesarean section in female French or English Bulldogs or Boston Terriers.
–  Surgery of an aesthetic nature or to correct defects.
–  Oral cleaning and dental treatment of any kind, excepting those required as the result of an accident.
–  Changes to the animal’s behaviour for any reason, e.g. aggressiveness.
–  Any expenses concerning diet or dietary supplements, commercial feed or special diet feed prescribed by the veterinarian, along with all hygiene-related products such as shampoos, lotions and dental products.
–  Expenses arising from known accidents, intoxication, poisoning, deformation, defects or illness of any kind (and the consequences of all the foregoing) that were contracted or evident and not declared by the insured before the initial inception date of the policy or during the stipulated elimination periods, the side effects arising from these, along with birth defects and congenital illnesses that were known and not declared when contracting the insurance.
–  Healthcare treatment administered after the policy has been terminated, even if it is the result of illness that developed before the date of termination.
–  Assistance received from a veterinarian who is not a member of the corresponding professional association.
–  Expenses already covered by other insurance cover.
An elimination period of 30 days is established for this cover.

B.2. Death of the animal due to illness

With this cover the insurer will indemnify, within the limits established for this item in the policy schedule, the value of the animal in the event it dies or must be euthanised as a result of illness.

This cover is only applicable for animals older than three months and younger than seven years.

Valuations in excess of 300 must be accredited by means of specific documentation pertaining to the animal, with the following considered valid to said effect: invoices, pedigree certificates and registration in the corresponding pedigree book.

An elimination period of four months is established for this cover.

B.3. Public liability

1. Covered risks

Provided this cover is expressly included in the policy schedule, and within the limits of the insured sum, the insurer shall provide cover for the payment of any indemnities for which the insured may be found publicly liable by law as the result of bodily or material injuries (and damage arising therefrom) caused to third parties by the insured animal or animals.

To this effect, the insured is taken to mean the person specified in the schedule as the owner or keeper of the animal.

In the sole event that the insurance policyholder and the insured are the same person, the following individuals shall also be considered as the insured, provided they are cohabiting with the aforementioned physical person:
–  His/her spouse or partner from a civil union.
–  The children of both or either of the spouses or partners.
–  Those individuals who are (or were at the time of the claim) the legal wards of both or either of the spouses or partners.
–  The parents of the spouses or partners, where they are under their care. This circumstance shall be understood to exist when the requirements to that effect (in terms of deductions) set forth in the personal income tax procedures are met. Consequently, and only for the case indicated, the cover shall extend (subject to the same terms and conditions) to the public liability corresponding to the aforementioned individuals, along with any domestic staff in the service of the insured (while said staff are performing their professional duties). Within the limit of the insured sum specified in the schedule, and provided that the act in question is included in the cover provided by this policy, the insured is also covered for the following (even in the event of unfounded claims):
–  The payment of judicial guarantees to ensure the civil outcome of the proceedings.
–  The legal expenses, which shall be paid proportionally according to the difference between the indemnity that the insurer has to pay, in accordance with the terms of the policy, and the total sum that the insured is liable for as a result of the claim.

2. Legal defence for public liability

The insurer shall defend the insured in the event of civil action arising as a result of claims covered by this policy, including when the claims prompting said action are unfounded.

The defence shall be conducted by the insurer, which will appoint the lawyers and solicitors, while the insured undertakes to collaborate wherever necessary, granting whichever powers are required and being in attendance whenever necessary.

In terms of criminal actions, the insurer shall conduct the defence of the insured, provided the insured is in agreement.

If the insured is convicted, the insurer will decide whether to appeal the decision before the competent jurisdictional authority. However, if the insurer deems an appeal to be inadmissible, it shall inform the insured of such; the insured shall then be free to lodge an appeal on his/her own account and the insurer shall be obliged to reimburse him/her for the expenses incurred up to the limit reached, provided the appeal is successful.

When, in the event of legal proceedings as defined in this cover, there is a conflict 17 between the insured and the insurer due to the fact that the interests of the latter are atvariance with the defence of the insured, the insurer shall inform the insured of such,without affecting its capacity to perform any actions that may be necessary for the
defence as a result of their urgent nature. The insured may choose to continue to allow the insurer to manage his/her legal affairs or to entrust his/her defence to another person. In this instance, the insurer shall be obliged to pay the expenses incurred in said defence, up to the limit agreed upon in the policy.

The limit on expenses covered for legal defence and claims, including bail to be provided in penal proceedings, is 6,050.

Territorial scope of the cover and jurisdiction
This cover is extended and limited to the liabilities that can be heard or recognised by Spanish courts, which derive from damage occurring anywhere in the world, except the United States of America, Canada and Mexico.

Regardless of the place where the claim occurs, indemnity shall be paid by deposit in euros at a Spanish bank or savings bank according to the legislation in the respective country. For the conversion, the currency conversion chart for the day on which the deposit is made shall be used, according to the buying rate.

When the primary residence of the insured is located abroad, the cover shall be limited to claims made according to Spanish legislation which derive from damage sustained in Spain.

EXCLUDED RISKS:

The following are not covered:

–  Damage to individuals attending to the animal’s needs.
–  Claims arising from the infraction of laws, regulations, ordinances and other legal provisions in force that apply to the possession of animals, particularly those relating to health and welfare issues.

–  The payment of sanctions or fines, along with the consequences of their non- payment.

–  Liability arising from infection or the transmission of diseases by the animals.

–  Damage that is not caused by the insured animal.
–  Damage caused while hunting.
–  Psychological damage and any other form of damage other than that of a personal and material nature.
–  Damage arising from the non-fulfilment of contractual obligations.
–  The unlawful abduction of the insured animal.
–  Indirect and/or consequential damage.

This cover is limited to events which take place during the policy’s insurance period and for which claims are formally submitted during said period (or within one calendar year beginning on the date of termination or cancellation of the insurance). To this effect, the date of the claim will be taken as the date on which: The insurer or the insured receives the first formal notification of a third-party claim by a third party or the instigation of legal or administrative proceedings, or is presented with a formal request. Those produced when the claim is the result of wilful misconduct or gross fault on the part of the insurance policyholder, the insured, his/her relatives and/ or the persons with whom s/he lives or who are his/her dependants, including paid domestic staff and lodgers, when these individuals are considered perpetrators, accomplices or accessories. Indirect loss or damage of any kind caused as a result of a claim, unless they are expressly covered. Political or social acts or those occurring as a result of public disturbances, riots, strikes, internal disruption and sabotage, except for acts of vandalism. Civil or international war, whether officially declared or otherwise, public or military uprisings, insurrection, rebellion, revolution and war-related operations. Volcanic eruptions, hurricanes, heavy downpours, earthquakes, earth tremors, seaquakes, impact of the sea on coasts, floods, subsidence and any other meteorological or atmospheric phenomena. Events categorised by the public authorities as “national disasters or catastrophes”.

Damage or loss of value caused directly by the mechanical, thermal and radioactiveeffects of nuclear reactions or transmutations, whatever the originating cause.
Participation by the insured animal in bets, challenges, hunting and other sporting activities.

Using the insured animal for purposes other than those specified in the schedule.

Mistreatment, overwork, lack of or the administering of insufficient or unhygienic food or care to the insured animal, when these circumstances are attributable to the insured.

The cover provided by this insurance is limited to the European Economic Community.