Should You Take Out Insurance For Your Dog?
Should you take out insurance for your dog?
You may have heard about dog insurance, but you may think that this is only necessary if your dog is a potentially dangerous breed. It is true that in these cases it is mandatory, but that does not prevent anyone who wants to insure their pet from not being able to do so. If you are wondering if you should take out insurance for your dog, read the information below.
Insurance for your dog, why?
The law says that we are responsible for our pets and therefore we have to ‘pay’ in one way or another for the damage they cause to other people’s or other people’s property or to other animals pet.
It is possible that you know your pet or its breed well, and that you are one of those who believe there is no danger.
This may or may not be so. There is a saying that “under oppression even a wise man acts like a madman”.
Your dog may have to face a desperate situation that leads him to bite a pet, a child or another person.
The truth is that insurance for your dog doesn’t cost much per year and can save you a lot of problems.
This is something to consider, taking into account other factors as well.
What to take into account?
For example, the obligation to have a dog insured or not is supported by state, municipal or federal agencies, depending on each country.
That is, if an official body requires that certain dogs or all dogs have insurance, there is no other law that exempts you from this.
It is important that you find out where you live, to find out whether or not to insure your dog.
For example, in Spain, even if your dog is not a potentially dangerous breed but weighs more than 20 kilos, the owner has an obligation to insure it.
In addition, it must ensure, in the case of taking out insurance, that the value of the civil liability is in accordance with what is stipulated by the Law of the Autonomous Community in which it resides.
In many countries, insurance is increasingly an additional requirement for responsible pet ownership as it is a way to avoid major problems.
compare prices
If you’ve already decided that it’s best to have your dog insured, even if it’s not mandatory, it’s important to compare prices.
The average price of pet insurance varies a lot, although you know that insurers struggle to win customers and you can get good discounts if you know how to negotiate.
You will also be able to find out if you already have home insurance, if it covers your pet and what kind of coverage it offers, should something happen.
Also, the amount would be included in the cost of your insurance and would not be an extra expense.
Another aspect to be taken into account is the price of the dog. Yes, you know we don’t like to mix money and animals, but in this case it is necessary.
Many dog breeds cost a lot of money, and this type of insurance would cover its full economic value, obviously, in case it got lost, stolen, or had an accident.
In addition, they will cover your veterinary treatments and stay in dog homes.
In the case of potentially dangerous breeds, as we said at the beginning, this insurance is mandatory in most countries.
When you hire you, the insurance company will verify that you meet certain requirements, such as:
- You are of legal age.
- No criminal record.
- Physical and psychological ability to care for a dog with these characteristics.
- You will have to take out third-party damage insurance with a minimum amount stipulated by each insurer.
After all, you know that having an animal has a series of responsibilities and, in certain situations, you are the one who should be responsible for it and for its actions.
Therefore, insurance for your dog can cover many emergency expenses and will not cost you a lot of money. Better safe than sorry, don’t you think?
