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Pet insurance for dogs

Compare cover, price and conditions of the main pet insurance plans for dogs. Find the one that fits your dog best.

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Why insure your dog

4 reasons to take out insurance today

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Unpredictable vet bills
An emergency surgery can cost between €500 and €5,000. Insurance turns that unpredictable cost into a fixed, manageable monthly payment.
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Mandatory third-party liability
In several Spanish regions and most German Länder, third-party liability insurance is mandatory for dogs. Avoid fines and stay covered against accidents.
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Beyond emergencies
The best plans also cover routine check-ups, vaccinations and dental treatment — lowering the total cost of caring for your dog.
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Peace of mind to decide
With insurance, the decision to treat does not hinge on cost. Your dog gets the best possible care.
🇪🇸 Spain / España

Pet insurance in Spain

MAPFRE Mascotas⭐ Most popular
🏥 Health⚖️ Liability

Cobertura veterinaria, responsabilidad civil y asistencia 24h. Precio desde 12€/mes según raza y edad.

12
/ month from
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🇩🇪 Germany / Deutschland

Dog insurance in Germany

In Germany, third-party liability insurance (Hundehaftpflicht) is mandatory in most Länder. Some also require health cover for certain breeds.

Agila Tierversicherung⭐ Most popular
🏥 Health⚖️ Liability Full

Marktführer für Tierkranken- und Tierhaftpflichtversicherung in Deutschland. Ab 10€/Monat.

10
/ month from
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HanseMerkur Tierversicherung
🏥 Health⚖️ Liability

Umfassender Schutz für Hunde: Kranken- und Haftpflichtversicherung. Ab 12€/Monat.

12
/ month from
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PetProtect
🏥 Health🛡️ Basic Full

Tiergesundheitsschutz mit flexiblen Tarifen. Für Hunde aller Rassen. Ab 8€/Monat.

8
/ month from
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Cover guide

What does each type of plan cover?

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Basic
Covers the essentials: death, theft and basic assistance.
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Health
Vet costs for illness and accidents. The most popular tier.
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Liability
Damage caused by your dog to third parties. Mandatory in some places.
Full
Combines health, liability and add-ons. Maximum peace of mind.
Frequently asked questions

Everything to know before signing up

Is dog insurance mandatory in the UK or EU?+

It is not mandatory in the UK. In the EU, third-party liability insurance is mandatory in most German Länder and some Spanish autonomous regions, especially for listed breeds. Always check local rules.

How much does pet insurance cost on average?+

It depends on cover, breed and age. Basic liability tends to be €5–15/month. A full health plan can reach €40–80/month for large breeds or dogs older than 7.

At what age can I insure my dog?+

Most insurers accept dogs from 3 months up to 10–12 years for new policies. The earlier you sign up, the lower the premium and the fewer pre-existing conditions are excluded.

Does insurance cover pre-existing conditions?+

Usually not. Conditions diagnosed before the policy starts are commonly excluded. That is why early sign-up is recommended.

How does CanAI pick the recommended plan for my dog?+

In the Recommendations section of your dog's profile, CanAI uses breed, size, age and city to show the most relevant plans. You can access it after creating your dog's profile.

📬 Tips on insurance and dog health

No spam. Just practical tips on health, food and behaviour.

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📖 Guides on insurance and dog health

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Preparing your dog for a vet visit: the complete guide
Many dogs arrive at the vet in a panic. With the right preparation — starting we
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Dog nutrition myths debunked by vets
Grain-free is better, BARF always wins, high protein ruins kidneys — veterinary
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Senior dog care: how to support your dog through their golden years
Older dogs have specific needs that shift with age. Learn when a dog is consider
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Informational notice: links to insurers on this page are direct links. If affiliate arrangements are established in the future, this will be stated explicitly. Comparisons are made independently.

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