The new –and commented– Animal Welfare Law It is already approved in our country. Through it, which enters into force this same 2023, it is established that dog owners must have a secure mandatory civil liabilityregardless of the breed, age or nature of the animal.
Remember that before this law, only potentially dangerous dogs were required to have insurance of this type is mandatory. Of course, with the exception of Autonomous Communities such as Basque Country or Madridregions where it has always been an obligation to have insurance for all breeds with a policy that cannot be less than 120,000 euros.
Adapting to this new reality and to the legislation, the insurer Verti has been working on pet insurance for months that covers everything that is contemplated with this new legislation.
25 euros per year, flat rate
First of all, Verti offers civil liability insurance for dogs for 25 euros per year –flat rate–, in addition to other types of insurance that are adapted to the particular needs and circumstances of each dog. You choose what is the coverage you needbeyond that established in the new Animal Welfare Law.
Until now, as we say, having civil liability insurance was a voluntary act for non-dangerous dogs, but It has always been advised to have it in case the pet has some kind of problem with third parties, both to people and to objects, goods and other animals.
Three different insurances for dogs, according to needs
Specifically, from Verti they have launched three different insurances, adapting to the requests or needs of their clients: S, M and L.
Firstly, civil liability insurance S, mandatory throughout the national territory, which includes, for example, veterinary care and damage to third parties.
The second of them is veterinary insurance M. It includes all of the above, but it also covers the slaughter of the dog and/or its incineration, as well as health care due to an accident. It also includes surgeries and hospitalization if there is an accidentas well as the assistance of the veterinarian at home, also in the event of an accident.
Finally, the third insurance is the L of Verti, an all-risk insurance modality that is undoubtedly the most complete. It includes all of the above, but also covers many other features such as: hospitalization and surgeries due to illnessthe canine residence for hospitalization, veterinary assistance at home and coverage for theft or loss of the dog.