I have too many expenses. What do I need insurance for? If your dog is responsible, clean, polite, not sick and you can have it 24 hours a day, every day, you probably don't need insurance. But I doubt that your dog meets all these conditions, it is impossible. If a sick dog, medicines, veterinary treatments, can have a very high cost for you. But that is not the main reason why you require dog insurance. If your dog causes any damage to third parties, you are responsible and those damages can not only be material, but can be of any other type.
What are pet insurance?
Pet insurance is similar to the health insurance that people hire, but adapted to the needs of our pets. These types of policies offer coverage mainly related to veterinary expenses. However, pet insurance can also cover other situations and more extraordinary expenses, such as the theft of the animal, transportation and slaughter costs, stays in canine residences or the damage they may cause to third parties, to other people Like other animals.
Is pet insurance mandatory?
It depends on the kind of animal you have. Most people have a dog as a pet. But there are different kinds of dogs. If you have a dog of a potentially dangerous breed, it is mandatory to have civil liability insurance, if your dog is not dangerous, that is, if it is a common dog, it is not mandatory to have insurance. Anyway, in each state, the laws are different, so I recommend that you consult it, while I recommend having your dog insured, since it includes huge advantages and not ensuring a dog, it can be a huge risk.
Civil Liability insurance against third parties for dogs:
Dog owners are responsible for any damage they may cause. If we have a dog or other pet and this causes any type of damage to anything, either movable or immovable, to a person or to another pet, the owner has the obligation to pay the damages, the arrangement and the corresponding compensation. This is the main reason why many people take out dog insurance. To avoid paying a large amount of money if our pet commits any damage, there is civil liability insurance for dogs. It should be borne in mind that in some states, third party liability insurance for dogs is mandatory if there is a dog of breed considered as dangerous.
Liability insurance coverage for dogs:
According to (https://www.xinsurance.com), According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs every year and about 885,000 require medical attention for these injuries; About half of these are children. Older people are the second most common victims of dog bites.
The average cost per claim in 2014 increased by 15 percent. The average cost paid for dog bite claims nationwide was $ 32,072 in 2014, compared to $ 27,862 in 2013. The average cost per claim nationwide has increased more than 67 percent between 2003 and 2014.
Dog bites (and other dog-related injuries) accounted for more than one-third of all owners' insurance liability claims paid in 2015, which cost more than $ 570 million.
What do they cover and what do not cover dog insurance?
As for age, it depends on the policy of the insurer, we can find companies that cover from six months and others that cover from three months of age of the animal, while, as maximum ages we find companies that mark eight years as a maximum age to admit coverage and others that place this threshold in the nine years. From this age it is difficult to ensure, at least in policies with broad coverage related to health. It will be relatively frequent to find periods of lack after hiring insurance for dogs, although they are short periods that do not exceed the month. Of course, pre-existing diseases are excluded, for this reason it is likely that depending on the type of insurance your pet will be required to determine the pre-existence of any disease. It must also be taken into account that for this type of insurance it is complex to try to ensure animals that compete in races or animals that participate in sports or hunting.
Potentially Dangerous Breeds
There are certain types of dogs that require mandatory insurance. They are dogs that are considered to be dogs of potentially dangerous breed and that is measured according to: their physical nature, their weight, their size, their complexion, their strength and their jaw. In addition to having a tendency to cause damage to people or the environment this is property or even plants and with aggressive temperament or visible traits of violence.
