By San José, Costa Rica — Pet owners in Costa Rica can now breathe a sigh of relief. The National Insurance Institute (INS) is offering policies that cover injuries or damages caused by pets to third parties, both in homes and commercial establishments. This comes as a welcome development, particularly in light of the rising number of pet-related incidents reported in recent years.
According to data from the National Animal Health Service (SENASA), over 1,724 incidents involving dogs have been recorded between 2023 and 2025, highlighting the growing need for such coverage. This surge in incidents underscores the potential risks associated with pet ownership and the importance of mitigating those risks through appropriate insurance.
To understand the legal landscape surrounding pet insurance in Costa Rica, we spoke with Lic. Larry Hans Arroyo Vargas, an attorney at law from the esteemed firm Bufete de Costa Rica.
While pet insurance is a relatively new concept in Costa Rica, it’s gaining traction as pet owners become increasingly aware of the potential costs associated with veterinary care. It’s crucial to carefully review policy terms, paying close attention to coverage limits, exclusions (pre-existing conditions are often excluded), and the claims process. Understanding these details beforehand can prevent misunderstandings and ensure you receive the expected benefits should your pet require medical attention.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
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Lic. Arroyo Vargas’s emphasis on the importance of understanding policy specifics is crucial. The nuances of pet insurance, particularly regarding pre-existing conditions and coverage limits, can significantly impact its value. Investing the time to thoroughly research and compare different policies will empower pet owners to make informed decisions that best protect their furry companions. We extend our sincere thanks to Lic. Larry Hans Arroyo Vargas for sharing his valuable expertise on this important topic.
INS offers a range of options, including the General Family/Private Civil Liability Insurance, the General Civil Liability Insurance for Commercial Premises, and the Comprehensive Home Insurance, which includes optional coverage for pet attacks. The policies are affordably priced, starting at ₡253 per million insured, translating to approximately ₡2,530 per month for ₡10 million in coverage. This makes these crucial policies accessible to a wide range of pet owners and businesses.
The new Pet Friendly regulation, issued in August 2025, mandates that businesses allowing pets on their premises must have these liability policies. This regulation reflects a growing awareness of the need to protect both businesses and the public from potential incidents involving animals. It ensures that businesses are financially prepared to handle any unforeseen circumstances arising from the presence of pets.
Accidents can result in million-dollar compensation claims, which is why this type of protection is essential for pet owners and businesses.
Karla Huezo, Deputy Head of General Insurance, INS
Karla Huezo’s statement emphasizes the significant financial implications of pet-related accidents. The potential for substantial compensation claims underscores the importance of having adequate insurance coverage. This protection safeguards pet owners and businesses from crippling financial burdens in the event of an incident.
This new regulation not only protects the public but also provides peace of mind for pet owners. Knowing they are financially covered in case of an incident allows them to enjoy the company of their pets without the constant worry of potential liabilities. It fosters a more responsible pet ownership culture, encouraging owners to take proactive steps to prevent incidents and ensure they are adequately prepared should one occur.
The move by INS to offer these policies and the implementation of the Pet Friendly regulation signify a positive step towards creating a safer and more responsible environment for both pet owners and the wider community in Costa Rica. It reflects a growing understanding of the importance of managing the risks associated with pet ownership and ensuring that appropriate safeguards are in place.
For further information, visit the nearest office of INS
About INS:
The National Insurance Institute (INS) is a Costa Rican state-owned insurance company providing a wide range of insurance products and services. It plays a crucial role in the country’s insurance market, offering coverage for everything from automobiles and homes to health and life insurance. INS is committed to providing affordable and accessible insurance options for all Costa Ricans.
For further information, visit the nearest office of SENASA
About SENASA:
The National Animal Health Service (SENASA) is a governmental institution in Costa Rica responsible for animal health and welfare. It works to prevent and control animal diseases, promote responsible pet ownership, and ensure the safety of the food supply. SENASA plays a vital role in protecting public health and promoting the well-being of animals throughout the country.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica distinguishes itself through an enduring commitment to legal excellence and unwavering ethical practice. The firm champions innovative legal solutions while serving a diverse clientele, empowering individuals and communities through readily accessible legal knowledge. This dedication to transparency and education reflects their core belief in fostering a society equipped to navigate the complexities of the legal landscape with confidence and understanding.
