What is dog insurance?
Dog insurances are those contracts that allow us to insure our pets against possible accidents that might befall them. Concerning the documentation necessary to opt for this guarantee, the vaccination book or the European pet passport will be sufficient.
If the animal comes from a particular breed, this should be mentioned on the documents justifying its value, attaching the pedigree, purchase invoice, prizes won at shows, parents’ titles, certificates of special care, and anything else you can use to help classify the animal.
Why take out pet insurance?
The third-party liability coverage included in the comprehensive home insurance policy covers damage caused by dogs, except a few so-called risk breeds, which remain excluded from the basic third party liability coverage. These breeds belonging to the 1st and 2nd categories, such as Pitt Bull Terrier, Staffordshire Bull Terrier, American Staffordshire Terrier, Rottweiler, Argentinean Mastiff, Brazilian Fila, Tosa Inu, Akita Inu, and all dogs that meet certain characteristics such as strong muscles, very agile, marked character, over 20 kg in weight, wide neck, etc. require civil liability insurance that must nevertheless cover damage caused to third parties, for an amount equal to or greater than $120,000.
Whatever the breed of your dog, it can be covered by animal insurance; the same applies to cats. Here are at least five reasons to take out one:
- Coverage of veterinary expenses: if our dog gets sick and has to go to the vet several times beyond the scheduled vaccination visits, then insurance is recommended.
- Coverage for theft or loss: The loss or theft of your pet always causes great pain and a great loss that is difficult to make up, however, insurance, under certain conditions, can cover you against such eventualities.
- Legal Defence: Sometimes, your civil liability may be incurred as a result of accidental actions such as a bite, burn, or simply an inappropriate act by your pet to the detriment of a third party. Even if it is not necessarily his fault (for example, if you have a guard dog and a thief breaks into your home), it will always be good to count on the legal assistance of a lawyer, proportionate by the insurance company.
- Compensation in case of death: The accidental death of an animal is always very sad news. But, if insured, the animal that dies can result in economic compensation from the insurance company, which will help owners buy another animal for consolation.
- Coverage in case of sacrifice: in cases where the law requires the sacrifice of the animal after it has bitten someone, the costs incurred will be covered by the insurance.
The cost of this type of insurance varies according to the characteristics of the dog, its breed, age, etc. and the options of the contract. For example, for a young dog, which is not considered “dangerous”, with the basic guarantees, the cost could be between $35 and $90 per year. Whereas for a 1st or 2nd category dog, the annual premium to be paid will be around $150.
The advantages of a mutual insurance company for dogs
Pet insurance becomes more and more necessary every day. Many owners have the idea that dog insurance is only necessary if they own a dog classified as potentially dangerous. Well, no! Dog insurance has many advantages, because it covers not only what you think might happen, but also what you, as an owner, have not thought of, such as the following events:
- Your dog escapes and crosses a road. Not only he can hurt himself, but if he causes an accident with injuries, it can ruin his owner. This is a behavior that happens more often than you might think.
- Your dog is trespassing on a neighbor’s property and “playing” with his chickens, rabbits, and other pets. This behavior often occurs in dogs living in rural areas. You will have to pay for the damage and the costs for each dead animal are high.
- Your dog has a bad habit of greeting people who come to see you by jumping on them. If he knocks down, for example, an elderly person, causing a fracture or muscle injury, you will be held responsible.
- If your dog experiences health complications, such as occasional surgery, being hit by a car, a domestic accident, or a congenital disease, you’ll be relieved that insurance will cover the costs.
- If your dog is lost or stolen, it will be necessary to commit a sum of money for billboard advertising, searches, or simply for the reward.
- Even if it’s not a dog classified as “aggressive”, it may one day attack a child or adult with the financial consequences that follow the complaint.
There are many unforeseen circumstances. An awareness-raising campaign aimed at all owners would be necessary so that they keep in mind the importance of having mutual insurance for dogs because it is better to be covered by insurance to be able to face any unforeseen event than to bear the consequences, both emotional and economic, which are sometimes very heavy.
Dog insurance comparison?
Before making any decision, it is a good idea to contact several insurance companies to find out about the premiums and guarantees offered by each one. You will need to evaluate whether it is preferable to opt for a basic policy or another offering more extensive coverage. The premium will depend on which option you choose. You can request a free dog insurance quote here.
Dog insurance coverage?
Every dog is unique and has different needs. Your dog deserves the best care and protection offered by a liability insurance policy that includes veterinary assistance. If you are a dog owner, you can enjoy your pet without fear of unforeseen events by choosing the most comprehensive coverage.
Dog Insurance Coverage Options :
- Increase of the insured civil liability capital
- Accidental death
- Loss or theft
- Advertising costs in case of loss
- Kennel fees in case of loss
- Health and accident expenditure
- Expenses in case of sacrifice
- Kennel fees in case of hospitalization of the owner
- Surgery costs following an accident or illness
- The owner’s civil liability on the insured dog can be included for claims occurring in Europe, which will make traveling more peaceful.
How can you insure that your dog is in good health?
Several aspects are important when you have a dog at home. Having a healthy pet does not only mean that he is not ill, but it covers other aspects such as health care, hygiene, and good dog education.
Health is an essential aspect of a healthy dog so if he is ill or in an abnormal state of weakness, this can lead to more serious problems and you will need to take him to the vet through his health insurance.
Certain healthy habits are also essential to maintaining the good health of your pets. These include the following:
- Correct feeding,
- Perform routine veterinary visits and relevant vaccinations,
- Get him to do regular physical activity,
- To provide a good education and quality of life for the dog that will allow for a healthy dog/family relationship.
Why and against what should a dog be vaccinated?
It is important to properly vaccinate dogs, puppies, and adults, against common diseases: parvovirus, distemper, hepatitis, leptospirosis, rabies, kennel cough, Lyme disease, coronavirus, etc. There is a myriad of diseases that can be prevented by vaccinating the animal. The vaccination schedule will be indicated to you by your veterinarian, as it will depend on different things:
- If the puppy is going to live with other dogs, either because he lives in a kennel, or is destined for beauty or agility shows, or will accompany a hunter, then he will increase his risk of contracting viral diseases; vaccination must be strict and complete, especially against kennel cough.
- There are certain breeds with increased susceptibility to certain diseases. For example, Rottweiler puppies are at greater risk of diseases such as parvovirus, coronavirus, or distemper, and such dogs should be vaccinated.
- Puppies or dogs with weak immune systems are required to follow a strict vaccination schedule.
- Dogs living in areas where there is a high risk of tick infection should be vaccinated against Lyme disease.
The veterinarian is the professional who can best advise you on the vaccination schedule for a puppy or dog based on the individual characteristics of each dog. For proper vaccination, contact your veterinarian.