Optional CR up to 200.000 € or 300.000 €.
If you are looking for a policy that will help you with accidents, veterinary assistance, possible damage to third parties and various day-to-day unforeseen events, here is a much clearer and more human explanation, here you have a much clearer and more human explanation. And if you want, I can quickly tell you which type of policy best suits your pet.
When something happens to your dog or cat, the problem often comes as a package deal: nerves, urgency, money and paperwork. This insurance is designed to help you right there.
Collisions, falls, blows, aggression between animals, burns or even ingestion of foreign bodies. The veterinary accident cover is one of the most powerful parts of the policy.
If your pet is stolen or lost, you get financial support according to the guarantee. In other words: you are not left alone with the fright and also with the blow to your pocket.
If you are unable to look after your pet because you are admitted to hospital, the policy can help you with the kennelling. Very useful if you live alone or don't want to rely on last minute favours.
It also covers the costs of slaughter, disposal of remains and burial or cremation costs within the limits provided for. Tough issue, yes, but better to have it in place before you need it.
It's not just “if there's a claim”. It includes guidance on pet travel, pet friendly hotels, pet sitters, breeders, adoptions, veterinary advice over the phone and legal guidance relating to your pet.
You can keep a good basis or extend it with sickness and liability. The idea is not to sell you more. The idea is that you buy well.
This is where people often find the most value. An emergency or a serious illness can quickly increase the cost. That is why this tab should be looked at carefully.
The basis of the insurance already incorporates veterinary assistance in the event of an accident. In other words, you don't start from scratch with an empty policy.
If you want more comprehensive protection, you can extend it with veterinary assistance in the event of illness. This extension usually provides the most peace of mind in the medium term.
Consultations, diagnostic tests, analyses, surgery, anaesthesia, hospitalisation and home care, within the scope of each contracted guarantee.
It is not intended for preventive check-ups, vaccinations, deworming, microchipping or typical expenses for healthy “maintenance” of the animal. It is more about solving real clinical problems.
| Guarantee | How it works | The most important |
|---|---|---|
| Accident veterinary | Subsidised school 100% / non-subsidised 80% | Up to €1,000 and with a general grace period of 15 days |
| Sickness Veterinary | Capital sums of 1.000 €, 1.500 € or 2.000 € per annum | Optional, with health declaration and 30-day grace period |
| Death due to illness | Additional guarantee according to special conditions | Only for animals over 3 months and under 7 years of age when contracting it. |
If your pet causes damage to third parties, the bill can turn from a “nuisance” into a serious problem. This guarantee is designed to do just that.
The CR covers indemnities for damages caused by the pet within the terms of the policy. Especially interesting in dog insurance.
You can take out €200,000 or €300,000 of civil liability, depending on the level of protection you want to take with you.
In addition to the financial part, it includes defence of the insured against civil claims linked to covered losses. And that gives you peace of mind.
The limit of guaranteed expenses for defence, claims and bail in criminal proceedings is €6,050.
CR is one of those coverages that seem very secondary... until one day it doesn't seem so. And that day is usually too late.
Tell me the breed, age and lifestyle of your pet, and I'll give you a quick orientation. Not all cases need the same thing.
There is no need to turn this into a kind of conditionality, but it does make clear four things that completely change whether a policy is a good fit for you or not.
To ensure that everything is in order, the pet should be correctly identified and have the official vaccination schedule up to date where applicable.
It is not automatic: it involves a health declaration, a different age limit and a waiting period. It is therefore worth reviewing it on a case-by-case basis.
Vaccinations, deworming, microchipping, preventive check-ups, various congenital conditions or purely cosmetic treatments are not the core of this policy.
The policy is designed for policyholders with habitual residence in Spain and, in general, the guarantees are limited to the territory of the European Union.
Before looking at the premium alone, check whether you are looking for a useful basis or a more comprehensive policy. That's where the difference between buying cheap and buying well comes into play.
If you send me this information, I can give you a good orientation from the first message and tell you which modality you should look at more closely.
It is advisable to have documentation on hand to help prove this, such as an invoice, pedigree or registration in the breed's studbook.
I'll tell you whether a basic accident insurance makes sense, whether it's worth extending with sickness and whether you should add liability.
It's not to confuse you with ten options. It's so that you can quickly see what suits you and you can decide with judgement.
Generali Pet Insurance is designed to cover the most common unforeseen events for your dog or cat. It can include veterinary assistance for accidents, theft, loss, burial or cremation expenses, stay in a residence if the holder is hospitalised, telephone assistance and, if you wish, optional extensions such as veterinary assistance for illness and civil liability.
Yes, the insurance is designed for dogs and cats. If your pet is a companion or guard pet and meets the conditions of the contract, I can guide you to see which modality best suits it according to its age, breed and the level of protection you are looking for.
In general, the insurance can be taken out for animals older than 3 months and up to 9 years. In the case of veterinary coverage for illness, the criteria are stricter, so it is advisable to check before issuing the policy.
Yes, veterinary assistance in the event of accidents is part of the basis of the product. This is very important because many of the most expensive emergencies are precisely due to being run over, blows, falls, aggression between animals or ingestion of foreign bodies.
It covers real day-to-day accidents, not just “catalogue” accidents. Among other things, it covers accidents involving roadkill, falls, burns, heat stroke, trauma, aggression between animals, injuries caused by foreign bodies and accidents while travelling in a vehicle.
Veterinary assistance in the event of accident has a limit of €1,000 in the basic cover. In addition, in an approved centre the cover is 100 % and in a non-approved centre 80 %, unless specific extensions are contracted.
Yes, you can extend the policy with veterinary assistance for illness. This is one of the most interesting extensions if you don't want to be covered only for accidents and you are looking for a more complete protection for your pet.
Veterinary cover for illness can help you with consultations, diagnostic tests, analyses, surgery, anaesthesia, hospitalisation and home veterinary care, always within the conditions and limits of the contracted modality.
Optional sickness cover can be taken out for €1,000, €1,500 or €2,000 per annuity. The best option depends on the age of your pet, its history and the level of peace of mind you want to take with you.
Yes, veterinary sickness cover does not take effect from day one. There is a waiting period, so the sooner you value the insurance, the better, because waiting for the problem to appear is often the quickest way to be late.
Yes, civil liability can be added as an optional cover. It is a highly recommended coverage, especially in dog insurance, because it protects against third party claims for bodily injury or property damage caused by your pet.
You can take out a €200,000 or €300,000 liability policy. So you can choose between a solid level of protection or an even more comprehensive one, depending on your pet's profile and what you want to cover.
Yes, this guarantee incorporates legal defence linked to claims for covered losses. In plain English: not only does it respond financially within the contracted limits, but it also does not leave you on your own if a claim arises.
If your pet is stolen, the policy can indemnify its value within the sum insured for that guarantee. For animals valued at more than €300, it is advisable to have documentation such as an invoice, pedigree or registration in the studbook.
If your pet is lost, the insurance may cover tracing costs such as advertisements in the local press or radio, as well as certain boarding costs if the animal turns up and cannot be immediately returned to its owner.
The policy can help you with the costs of a stay in a kennel or approved centre if the policyholder is hospitalised. This is especially useful for people who live alone or who do not always have someone available to take care of the animal.
Yes, it includes very practical telephone support. You can access information on pet-friendly hotels, carers, breeders, training, transfers, shelters and also 24-hour veterinary advice over the phone.
It is not intended to cover everything related to the usual maintenance of the animal. In general, it should not be used for vaccinations, deworming, preventive check-ups, microchipping, various pre-existing conditions or purely cosmetic treatments.
In order to give you a quick price, I usually need the details of the owner and the pet. The usual is name, DNI or NIE, date of birth, address, telephone, email, species, breed, sex, age or date of birth and microchip number.
Because it's not just about getting a premium, it's about making the policy make sense for your pet and your pocket. I help you to assess whether a basic policy with accident is right for you, whether it is worth adding illness and whether liability insurance gives you real peace of mind.