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What is the best dog insurance? Comparison

Tuesday, August 28th, 2026

Care and advice

Traveling with our pets has become an increasingly popular trend. However, with the growing responsibility of caring for our four-legged companions, it is essential to ensure that they are protected at all times. One of the best ways to do this is by taking out dog insurance.

In this article, we will explore when it is mandatory to have dog insurance under the new law, how to compare the different insurance policies available on the market, and what factors we should consider when choosing the best insurance for our pets. In addition, we will tell you how 4patas club members can get an exclusive €25 discount on their insurance with BARKIBU. When is dog insurance mandatory under the new law?

With the entry into force of the new animal welfare law, the rules for dog owners have changed significantly. Before this law, many people covered their pets through home insurance, but now the requirements are more specific. According to the new legislation, all dog owners must complete a mandatory course for dog owners and, most importantly, it will be mandatory to have civil liability insurance that covers possible damage to third parties.

This insurance is especially relevant if you have a dog considered to be a potentially dangerous breed (PPP) or if you live in autonomous communities that already require this type of insurance. However, regardless of breed, the new regulations stipulate that all owners must insure their pets to ensure that, in the event of an accident, they do not have to face large expenses or legal problems.

Comparison to find the best dog insurance


When it comes to insuring your dog, it is crucial to compare the available options to find the insurance that best suits your needs and those of your pet. Below, we offer a comparison based on different key criteria:

· By price

Price is undoubtedly one of the most important factors when choosing insurance. Although we all want the best for our dogs, it is also necessary to find an option that fits our budget. Dog insurance can vary widely in cost, depending on the coverage and the insurance company. When comparing prices, it is essential to consider not only the monthly cost, but also any possible excesses and deductibles.· For theft and accident coverage The safety of our pets is a priority, which is why it is important that the insurance you choose offers good coverage in case of theft or accidents. Some policies include coverage in case of theft of the dog, as well as veterinary expenses resulting from an accident. Be sure to read the terms and conditions carefully to find out what types of situations are covered.

· For veterinary care

Veterinary care is another crucial aspect. Some policies include veterinary consultations, medication, and even surgery, which can be very beneficial if your dog requires frequent medical attention. However, not all policies cover the same range of services, so it is important to check what each insurance policy includes in terms of veterinary care.

· For civil liability

Civil liability insurance is mandatory under the new law, but it is important to compare options to find the best coverage. This type of insurance covers damage your dog may cause to third parties, whether people, other animals, or property. When comparing, look at the coverage limit and whether it includes legal protection if necessary.

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How to choose the best dog insurance: factors to consider

Choosing the best insurance for your dog may seem like a complicated task, but by considering a few key factors, you can make an informed decision. Here are some recommendations.

- Assess your dog's needs: Depending on your dog's age, breed, and health, you may need more comprehensive or specific coverage. Compare different insurance policies in terms of price, coverage, and reviews from other users. Read the fine print: Make sure you understand all the terms and conditions of the insurance policy, including exclusions and limitations. Consider customer service: Good customer service is vital. Make sure the insurance company has a good reputation in this regard.

- Take advantage of discounts and promotions: As a member of Club 4Patas, you can get an exclusive €25 discount on your dog insurance with BARKIBU. Don't hesitate to take advantage of this offer to ensure your pet is protected at the best possible price. Access Club 4Patas and get your discount coupon here.

In short, insuring your dog is more than a legal obligation; it is a way of looking after its well-being. With the new law, it is essential to be well informed and choose the insurance that best suits your needs. And remember, with the exclusive discount code for Club 4patas members, protecting your pet has never been so affordable.