Pet insurance in Portugal

In Portugal, your home insurance covers your civil liability for your pet against damages caused to third parties. However, ever since the enactment of Law-Decree 313/2013, Portugal requires owners of dogs considered “dangerous” to take out specific civil liability insurance.

Vet assistance: to cover certain costs connected to your pet’s health as well as ensure an indemnity if your pet is lost.

Careful! Pet insurance does not cover pre-existing illnesses, so don’t wait any longer and get information from our INOV Expat specialists who will answer all your questions regarding pet insurance in Portugal for free.

If your pet gets lost, the insurance company will pay for the costs involved with searching for it (newspaper or radio adverts) and holding it while you arrive to collect it.

In the event of a theft, you may be compensated with a minimum of €300. For animals of race, proof must be provided (pedigree, registration with the race registry, invoice, etc.) to the insurance company so it can offer a better indemnity. .

Accidents that may be covered by vet assistance include: accidents on the road, aggression between animals, fractures, trauma or internal injuries affecting the pet’s normal activity, accidents in a vehicle in which the animal is travelling, falls leading to trauma or internal injuries, the ingestion of foreign objects, heat exhaustion, burns, injuries or granuloma caused by foreign objects in the eyes, ears or skin as well as all other types of bodily injuries as a result of a violent, sudden, external and independent cause not attributable to the insured including vandalism.

Vet assistance covers all costs connected to your pet’s accident up to €1000: x-rays, analyses, electrocardiograms, surgery, anaesthesia, additional costs for surgical materials, medications, osteosynthesis, prostheses and/or fibro endoscopy, pre- and post-operative care, clinic stays as well as home-based vet care.