What are the Insurance Coverages for Dogs and other Pets?by Admin | August 3, 2021
What are the Insurance Coverages for Dogs and other Pets?
A pet is a great responsibility and a commitment, since it will be part of our life.
The pet liability insurance protects and responds before the personal or material damages that it may cause to third parties.
There are insurance policies that are designed for pets of all types, except for those considered dangerous breed dogs.
Adopting a pet, such as a dog or cat, is a decision that cannot be taken lightly. A pet is a great responsibility and a commitment, since it will be part of our life. In addition, it is likely that they will cause some kind of damage, get sick or end their life cycle, as is the case with any living being. For this reason, having pet coverage in your home insurance or having a specific pet insurance can be helpful.
In this post we will talk about insurance for dogs and other pets, what their coverages are and how they can help you depending on what happens to your pet.
Liability for your dog
In life we are always looking for the best way to protect what matters most to us and makes us happy, especially what is part of our most intimate life, such as the health of our family. A dog, or any other pet, is also an important part of our life, and so it is normal to want to take the best possible care of it.
But what if, for example, your dog knocks down a cyclist while running in the park, or if you decide to have a dog whose breed is considered dangerous? For these and other questions there is liability insurance for dogs and pets. Thanks to it, we can be calmer in case of any unforeseen event involving our faithful friend.
The pet liability insurance protects and responds before the personal or material damages that it may cause to third parties. For example, if your pet jumps and plays, pushes and pulls a neighbor and suffers injuries such as spraining an ankle or breaking an elbow, this damage would be covered and your pet's insurance would indemnify your neighbor. Or if your dog scratches a neighbor's door, the insurance would cover the repair of the door.
This insurance is mandatory in some states and counties, regardless of the breed or size of your dog. The amount to be insured depends on the city where you live, so it is better to find out about it.
Plus full coverage home insurance allows you to include your pet in the policy, as well as the Family Civil Liability policy. These multi-risk policies also offer telephone assistance so that you can consult any legal questions you may have.
Breeds considered potentially dangerous require specific insurance.
These insurance policies are designed for all types of pets, except for those considered dangerous breed dogs or also known as Dangerous Breeds (DB), which must be stated as additional coverage in the particular conditions of the insurance policy by providing the required documentation.
Coverage of the insurance for DB dogs for any damage that may occur or civil liability
In the case of potentially dangerous breeds, or DB, the coverage of the home insurance cannot be applied in a general way, since there are a series of specific conditions for these dogs. For this reason, civil liability in these cases requires that DB dog insurance be taken out.
There are more than 300 registered dog breeds, some very different from others in terms of size, behavior or care. For these dogs it is necessary to take out liability insurance for damages to third parties as civil liability coverage.
In addition to purebred dogs, crossbreeds are included in the list. These breeds stand out for their strong musculature, short hair, voluminous head, wide neck, high tolerance to pain and over 45 lbs.
The insurance coverage for dangerous breed dogs includes the possible damages they may cause either by bites or accidentally. For example, if it gets off the leash and knocks someone to the ground, gets injured and has to be on sick leave, the dog liability insurance will cover these damages.