Dog Liability Insurance: avoid fines of up to €10,000
The mandatory insurance for dogs (Animal Welfare Law). Covers third-party damages from €25/year.
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Is Civil Liability Insurance mandatory?
YES. Since the Animal Welfare Law came into force, all dogs must have civil liability insurance. Not having it can lead to fines of up to €10,000 😱
By contracting insurance with Miwuki you will be complying with the regulations and avoiding legal scares. Easy, fast and with total peace of mind.
ℹ️ Important note: Miwuki complies 100% with current regulations. When you take out our policy, you will receive the necessary certificate to prove that your dog is insured according to the law.
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
+4.8 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?
✅ What does it COVER?
- ✔️ Third-party personal injury.
- ✔️ Third-party property damage.
- ✔️ Derived financial losses.
- ✔️ Legal defense and bail.
- ✔️ Coverage throughout the European Union.
❌ What does it NOT cover?
- ❌ Damage to the dog itself (accident/illness).
- ❌ Damage to owner or close family.
- ❌ Damage to own property.
- ❌ Fines or administrative sanctions.
What our clients say
Frequently Asked Questions
What does CIVIL LIABILITY cover?
The Civil Liability insurance covers damages that your dog causes to other people or things up to €300,000.
🔹 What the insurance pays:
- ✔️ Personal injury (injuries or death of someone).
- ✔️ Property damage (broken things).
- ✔️ Derived financial losses.
- ✔️ Legal defense expenses and bail.
🔹 What it does NOT pay:
- ❌ Damages to you, your family, or people living with you.
- ❌ Damages to your own things.
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 veterinary insurance (illness/accident), click here.
Is it valid for the Animal Welfare LAW?
Of course! Our policy meets all the requirements of Law 7/2023 on Animal Welfare.
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 a 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 I extend the coverage to cover own damages?
❌ No, this insurance does NOT allow extending coverage for own damages.
Civil Liability only covers damages to third parties (other people or other people's property).
WHERE should I SUBMIT reimbursement documentation?
Send the documentation via email to [email protected] or to our WhatsApp service https://wa.me/34644585232
How much TIME do I have to submit the documentation?
⏳ You have 7 days from when you know about the incident to notify the insurer.
📌 Important:
- If you do not notify within that period, the insurance could reject the claim.
- You must submit all required documentation for the process to be valid.
Can I make a COMPLAINT if I disagree with the result?
✅ Yes, you can make a complaint if you disagree with the result of your reimbursement request.
📌 Steps to complain:
1️⃣ Contact the insurer first via:
Email: [email protected]
WhatsApp: 644 58 52 32
In which cases does Civil Liability NOT COVER?
❌ Civil Liability insurance does NOT cover in these cases:
🚫 Own damages:
- If the dog causes damage to you, your family, or people living with you.
- If it breaks your objects or personal belongings.
🚫 Specific situations:
- If the dog does not have a microchip or its data does not match official records.
- If the damage occurs outside authorized countries.
- If you do not comply with mandatory vaccinations and health regulations.
🚫 Excluded uses and activities:
- If the dog participates in fights, illegal competitions, betting, or races.
- If the dog is used for security, surveillance, rescue, or tracking.
🚫 Other exclusions:
- Damages caused intentionally.
- Damages from war, terrorism, or natural disasters.
- Fines, sanctions, or legal penalties.
📌 Always check the Particular Conditions for more details on exclusions.
In which COUNTRIES is it valid? (Details)
🌍 Civil Liability coverage applies in the European Union (EU).
📌 Important conditions:
- If you travel with your dog, coverage is valid for up to 90 days per year.
- You must comply with European Union regulations on animal movement.
- Translation costs for documents in another language are at your expense.
- If your dog moves outside of Spain, it ceases to be insured.
Can PPP (POTENTIALLY DANGEROUS DOGS) be insured?
Of course!
What PAYMENT METHODS are available?
The payment period is annual exclusively.
