{"id":2474,"date":"2025-06-26T12:02:33","date_gmt":"2025-06-26T12:02:33","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2474"},"modified":"2025-07-14T14:35:22","modified_gmt":"2025-07-14T12:35:22","slug":"seguros-de-mascotas","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/","title":{"rendered":"Pet insurance guarantees"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Seguros_de_mascotas_garantias_y_coberturas_mas_comunes\" >Pet insurance: most common guarantees and coverages<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Muerte_por_accidente\" >Death by accident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Robo_del_animal\" >Theft of the animal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Extravio\" >Missing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Estancias_en_residencias\" >Residential stays<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Responsabilidad_civil\" >Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Asistencia_veterinaria\" >Veterinary assistance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/seguros-de-mascotas\/#Resumen_%C2%BFQue_garantias_debo_priorizar\" >Summary: Which safeguards should I prioritise?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_de_mascotas_garantias_y_coberturas_mas_comunes\"><\/span>Pet insurance: most common guarantees and coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>pet insurance<\/strong> focus primarily on providing veterinary medical cover for dogs and, in some policies, also for cats. These products are designed to suit the specific needs of each animal, depending on its breed, age and lifestyle.<\/p>\n<p>Coverage can vary significantly depending on the insurer, but is generally divided between basic guarantees (included by default) and optional guarantees that the insured can take out additionally.<\/p>\n<p>Here are some of the most common types of cover that you might find in a <a class=\"wpil_keyword_link\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/seguro-para-mascotas\/\"   title=\"pet insurance\" data-wpil-keyword-link=\"linked\">pet insurance<\/a>. However, it is essential to always read carefully the <strong>general and special conditions<\/strong> of your policy. It details key aspects such as waiting periods, exclusions, deductibles, financial limits and specific requirements.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Take care of your pet as it deserves<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out insurance with real guarantees: veterinary assistance, civil liability and more.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Cuida+de+tu+mascota+como+se+merece\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h3><span class=\"ez-toc-section\" id=\"Muerte_por_accidente\"><\/span>Death by accident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This guarantee covers financial compensation in the event that the animal dies or has to be put down due to an accident. Some insurers also cover <strong>disposal costs<\/strong>In some cases, they may extend coverage to death due to old age or illness, depending on the contract.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Robo_del_animal\"><\/span>Theft of the animal<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your pet is stolen, the insurance company can offer you a <strong>financial compensation<\/strong> up to the limit established in your policy. This amount usually corresponds to the declared value of the animal or to a maximum agreed in the particular conditions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Extravio\"><\/span>Missing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In the event of loss of the animal, some insurers will cover the costs of <strong>expenses incurred in the search<\/strong>such as placing advertisements in the press, on the radio or online platforms. It is a useful aid in the early days of distress, when every minute counts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Estancias_en_residencias\"><\/span>Residential stays<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the pet owner has to be hospitalised and has no one to look after the pet, some policies cover the costs of the pet's care. <strong>temporary accommodation costs<\/strong> in a kennel or cattery.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_civil\"><\/span>Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is one of the most important covers, especially for dogs. The insurer takes care of the damages that your pet may cause to third parties (bites, accidents, etc.), both personal and material, within the contracted economic limit.<\/p>\n<p>It also usually includes the <strong>legal defence<\/strong> of the insured in the event of civil or criminal proceedings related to the events covered by the policy. In addition, the associated judicial and extra-judicial costs are usually covered.<\/p>\n<h4>What if I already have home insurance?<\/h4>\n<p>Some household policies include basic pet liability coverage. However, <strong>potentially dangerous dogs are generally excluded<\/strong>unless explicitly stated otherwise in the policy. If this is your case, we recommend that you consider a specific insurance policy.<\/p>\n<p>There are also insurances exclusively designed for dogs of breeds considered dangerous, which focus only on covering civil liability, without including other guarantees such as medical assistance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Asistencia_veterinaria\"><\/span>Veterinary assistance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is the most demanded coverage and the one that justifies, in the majority of cases, the contracting of an <strong>insurance for dogs or cats<\/strong>. It usually includes:<\/p>\n<ul>\n<li><strong>Free consultations<\/strong> with veterinary surgeons.<\/li>\n<li><strong>Franchised treatments<\/strong>with reduced prices compared to the market.<\/li>\n<li><strong>Veterinary telephone counselling service<\/strong>to resolve doubts or to know which clinic to go to in each case.<\/li>\n<\/ul>\n<p>It is important to note that this coverage is generally provided through a network of associated veterinary clinics. The insured pays directly to the centre the franchised costs, if any, and has access to preferential services without waiting or surprises in the bill.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Resumen_%C2%BFQue_garantias_debo_priorizar\"><\/span>Summary: Which safeguards should I prioritise?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The choice of cover will depend on your pet's profile and your desired level of protection. As a basic recommendation:<\/p>\n<ul>\n<li><strong>Veterinary assistance<\/strong>Essential for any dog or cat.<\/li>\n<li><strong>Liability<\/strong>Mandatory in some cases and recommended in all cases.<\/li>\n<li><strong>Theft and loss<\/strong>Ideal if your pet has access to the outdoors or is a valuable breed.<\/li>\n<li><strong>Death by accident<\/strong>provides peace of mind in the face of unexpected situations.<\/li>\n<\/ul>\n<p>In short, a <strong>pet insurance<\/strong> not only protects your animal, it also protects you against unforeseen events that could involve a large financial outlay or legal liability. Knowing its guarantees will allow you to make a more informed and personalised decision.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Pet insurance: most common guarantees and cover Pet insurance mainly focuses on providing veterinary medical cover for dogs and, in some policies, also for cats. These products are designed to adapt to the specific needs of each animal, depending on its breed.<\/p>","protected":false},"author":2,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2474","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2474","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=2474"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2474\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}