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.