Importance of Dog Insurance and Its Benefits for Pet Owners. Dog insurance: what is it? Why is it worth taking out dog insurance? Adopting a dog requires a lot of commitment: when you adopt a four-legged friend, it must become an actual family member, and consequently, you must provide for all its needs. In addition, you have to take out insurance for your ‘furry one’.
In addition to a reasonable amount of time and, above all, authentic and sincere affection, which is what must be above all else, adopting a dog also means providing for some small expenses: the ones for food, for example, or those for toys, hairbrushes, collars, beds, kennels and anything else that you find in specialised stores. Then, if you want to be on the safe side and avoid risks, it may be an excellent idea to make provision for additional expenditure on specific insurance.
Insurance for dogs: what are they?
Dog insurance is becoming increasingly popular and can be very valuable, so let’s find out what risks it protects against and what it is.
As with other types of insurance, dog insurance involves the payment of a premium against which the insured, who in these cases is the animal’s owner, can be financially protected in several circumstances.
Many commercially available dog insurances have different characteristics, so let’s find out which are the most common and exciting types for the policyholder.
Dog insurance. Liability policies
First of all, these insurances may include liability protection: similar to the well-known automobile liability policy, which protects drivers if they cause damage to third parties, the same applies to these dog policies.
Suppose your dog causes damage to people, e.g. by biting someone or causing bodily harm, or to property, e.g. by damaging your neighbour’s possessions.
In that case, your dog’s insurance can cover the costs incurred, subject to the amounts and ceilings stipulated in the contract.
Other possible protections provided by these policies
However, dog insurance policies not only offer third-party liability protection: many of these products, for example, provide veterinary protection, i.e. they cover expenses that may arise, for example, if the animal has to undergo surgery.
Other dog insurance policies also cover the cost of finding the animal if lost. Some of these products also offer the possibility of installing a GPS device on the collar to prevent losing track of your four-legged friend.
Meaningful protection at very affordable costs
The list of options that can distinguish these policies is very varied, and taking them out can be a perfect solution since their cost is widely accessible. By foreseeing a price that is anything but high, you can protect yourself from many risks, including economic ones.
The dog’s owner is responsible for whatever the animal may do, so a third-party liability policy can be essential without neglecting the additional protection mentioned above.
Dog owner’s liability insurance
Insurance for dog owners – like ordinary liability insurance – is intended to protect the insured against property damage or even ruin and third parties that the loss may harm.
For these reasons, insurance contracts are recommended for almost everyone, including dog owners.
Dog owners are liable for any damage caused by their pets as if they had caused it themselves.
For these reasons, it is recommended that every pet owner take out liability insurance that covers all possible damages. In addition, in some federal states, taking out such dog liability insurance is required by law.
Insurers offer their products under different conditions: before taking out dog liability insurance, you should check which risks you want insured and what protection the respective insurance variant offers.
For example, some dog insurance policies also insure against unwanted mating; others do not.
Travel insurance, yes or no? Is damage to rented property covered? Are walkers covered? Is dog school attendance insured? Are puppies and so-called attack dogs also guaranteed? Is there a ‘no-claims discount?
Suppose you like to travel with your dog. Before starting your trip, you must clarify with your insurance company whether insurance coverage only applies in your country or Europe.
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