If you the health of your dog or cat concerns you, and you want your pet to be well looked after by the best professionals, here are some good reasons to take out pet insurance. Take note!
Take out Civil Liability coverage
The law passed in 2023 did not regulate the obligatory nature of Civil Liability insurance for all dogs, so for the time being the previous law is still in force, which obliges Potentially Dangerous Dog (PPP) owners to hold civil liability insurance, with the exception of some Autonomous Communities such as Madrid or the Basque Country, which do require it for all dogs. In the case of Potentially Dangerous Dogs (PPP), Royal Decree 287/2002 sets forth that the scope of the Civil Liability cover must be at least €120,000. But at SegurCaixa Adeslas, we go further; our pet insurance covers up to €200,000.
Nevertheless, we recommend taking out civil liability insurance to cover personal and material damage caused to third parties.
The Civil Liability Guarantee for SegurCaixa Adeslas pet insurance covers:
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Damage to third parties. When a dog insurance policy is taken out, the owner of the dog is covered for damage that the pet may cause to other people or animals.
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Damage to property. Similarly, the insurance covers material damage caused by the dog.
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Legal expenses. And also the costs derived from any legal proceedings the dog may be involved in.
To give you an idea of the importance of Civil Liability coverage, let’s look at you an example:
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Imagine you are walking your dog and it gets off its lead.
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On the way, a cyclist is knocked over and falls and hits the ground. And not just that: their bike is seriously damaged.
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The cyclist is taken to a medical centre and, after being treated, reports you.
Well: by taking out pet insurance with Civil Liability coverage, SegurCaixa Adeslas would take responsibility for compensating the damages your dog caused to the cyclist and their bike. You would also not have to pay court costs. All of this is managed through the Segurcaixa Adeslas network of lawyers.
Protect your pet’s health
Another reason to take out pet insurance with SegurCaixa Adeslas is that you get the option of taking out the comprehensive policy, with a range of coverages so your pet’s health can be looked after at all times. Among them:
We offer you a wide range of vets with more than 500 partner clinics. Through the veterinary care guarantee, we cover a wide range of treatments at franchised prices, from surgeries to preventive sterilisations, breast oncology, diagnostic imaging, post-surgical treatment, etc.
Does your pet scratch a lot and shed its fur? Is it showing signs of apathy or low mood? Have you noticed any discomfort in its eyes? Don't worry: your pet will be examined by a vet at one of our partner clinics. And if you prefer, you can phone ahead and explain what is wrong with your pet.
With the online consultation service via chat and video consultation, a vet will determine whether your dog or cat requires urgent attention or whether its condition can be treated at home. What’s more, the vet can prescribe electronic prescriptions, offer you guidelines and advice, remind you when to vaccinate your pet... This is a great type of coverage for those who cannot get to a clinic.
As we’ve already mentioned vaccination, with our comprehensive pet insurance, administering the rabies vaccine is free of charge in our partner clinics (except for the official fees).
And if your dog or cat has a deep wound, has difficulty breathing or is limping and in pain, to name but a few, it will be treated in the emergency department. This service is available 24/7 by calling on 91 000 87 07 beforehand.
Are you worried about your pet’s welfare and want to have the best health insurance for your dog or cat? If that’s the case, you’ll have all this coverage when you take out the SegurCaixa Adeslas Comprehensive pet insurance policy.
Be protected against accidents, illness and theft
Another good reason to take out pet insurance is to protect yourself against unforeseen situations such as theft and death due to accident or illness.
- Death due to accident or illness. If your pet dies following an accident or illness, the policy pays out up to €1,000.
- Theft. And if your dog or cat is stolen, the insurance covers up to €800.
These coverages are undoubtedly of great help if our pet dies following an accident or illness. And also if it is stolen and not found.
For your financial well-being
And no less relevant: taking out pet insurance cuts down on veterinary costs.
With a SegurCaixa Adeslas pet insurance, you won’t have to pay for the online consultation or visit, but you will get special rates on the veterinary treatments performed on your pet that you’ll have to pay for.
Similarly, the pet insurance franchises make it easier to save a lot of money on veterinary procedures such as surgeries, diagnostics, sterilisations, euthanasia, hospitalisations, vaccinations, etc.
And this financial benefit can also be seen with 10% off training, grooming and kennels services.
With regard to Civil Liability in terms of compensation, the Unespa insurance employers’ association states that, through the pet insurance Civil Liability coverage, insurers pay an average of €3,200 to those injured following an attack by another animal.
And still on Civil Liability, if a pet causes damage to third parties and the matter has to be resolved through the courts, the lawyer, solicitor, and expert report costs won’t be required if you have Civil Liability insurance.
As you will have seen, there are many reasons to take out SegurCaixa Adeslas pet insurance. By taking out a policy like this, you’ll have complete peace of mind knowing that your dog or cat is in the best hands and that the insurance coverage and services provided mean significant financial savings for you.
Frequently asked questions
The answer to all your questions
Insurance is currently provided for potentially dangerous dogs (PPP), and for all dogs in certain Autonomous Communities, such as the Community of Madrid or the Basque Country. Nevertheless, this obligation is expected to soon cover all dogs once it is regulated in the new animal welfare law
Dog owners who have not taken out civil liability insurance may be fined between €500 and €10,000. What’s more, as already mentioned, they risk paying compensation and legal costs if the animal causes damage to third parties and the owner is reported.
No dog shall be exempt from compulsory Civil Liability insurance once it is duly regulated. The Animal Welfare Law states that all dogs must be insured, regardless of breed, size or location.