Why do you need to insure your pet? from Jeff Jackson's blog

Show your pedigree

Abroad, the practice of insuring animals has long become commonplace. For example, in America, some employers even include pets in their employee insurance policy. And it doesn’t matter who exactly lives with a person. They insure everyone - from a cat or dog to a parrot and fish. In Europe, this procedure is completely mandatory - every pet receives a basic insurance package upon registration.

Few of us use this service. Although recently it is beginning to be in demand in large cities, where people can afford to buy an elite animal for fabulous money. In the provinces, only farmers sometimes insure their farm animals. Nevertheless, according to experts, this market segment is slowly beginning to gain momentum.

So, if a person decides to insure his pet, he should know that doing it “on the fly” will not work. Insurers are a picky people and are not willing to bear financial responsibility for all four-legged animals. As a rule, they agree to issue papers for purebred cats and dogs that are members of clubs that have a pedigree, a veterinary passport with timely vaccinations.

So it is unlikely that you will be able to insure a mongrel mongrel. A person may also be denied insurance if their pet is over seven years old.

At the same time, you can get a policy not only for a dog or a cat, but also for our other smaller brothers, for example, rodents, budgies, rare species of reptiles... Perhaps the only exception from the list are aquarium fish and all kinds of arthropods.

Another type of service that is becoming increasingly popular is landlord liability insurance. Most often we are talking about the owner of a fighting breed dog.

In this case, the owner no longer insures the animal, but his liability to third parties. For example, a playful dog can jump on a passerby and tear his expensive clothes. Or maybe even bite someone. If the owner does not have insurance, he will have to compensate for material and moral damage to the victims from his own pocket. And if there is insurance, then all financial costs are borne by the insurance company.

The cost of the policy depends on the owner's liability insurance limit and the insurance period. For example, with a liability limit of 100 thousand rubles, the insurance premium will be about 2 thousand rubles, and with a maximum liability limit of 1.5 million - about 23 thousand rubles.

Now about the risks against which animals are most often insured. There's a big list here on PetInsurancePoint. First of all, these are thefts. Unfortunately, a dog can be taken away not only from the store where the person put it on a leash, but even from the exhibition!

They also insure against the death of an animal as a result of an accident. For example, from poisoning with medications, toxic substances, snake or insect bites (in particular, ticks), road accidents...

Such insurance will cost the owner 1.4 thousand rubles per year with an insurance payment of 20 thousand rubles.

You can insure your animal for the duration of transportation or its removal outside the country during travel. These are different risks. Pet insurance during transportation will only be valid during the journey, and the cost of the policy depends on the type of transport and distance. Such insurance, for example, is provided if a person transfers an animal to another owner.

And taking an animal outside of its permanent residence (for example, a pet went with its owner on vacation or to an exhibition in another city or country) is another type of insurance. Under such an agreement, the pet can receive veterinary care at the expense of the insurer.

Thus, insuring a purebred dog or cat for seven days will cost 504 rubles, and the coverage is 30 thousand in case of death and plus 10 thousand for veterinary care.

In addition, there is also insurance for veterinary expenses. Not planned, such as vaccination or

just a preventative visit to the doctor, and an emergency one, when the pet suddenly needs a complex and expensive operation.

And finally: what actions should be taken if an insured event occurs. Within 24 hours, you must fill out an application on the insurance company’s website or report the emergency by phone, as well as provide the necessary package of documents. For example, in order to receive compensation for veterinary services, you need to have a veterinary clinic report, a prescription and receipts confirming payment for medications. If an accident suddenly occurs, you must provide a certificate from the traffic police and present the deceased animal to the insurer for inspection.