Pet insurance policy: what it is, how, and why to open it if you have a pet
Animal insurance policies aim to cover all costs related to pet management. Let’s find out how they work and why to stimulate them
Living with a pet means always taking care of it, and paying attention to its needs and requirements.
Adopting a pet is a wonderful decision, which will fill your home with unconditional love, joy, and affection, but it is still a living being and, consequently, you must be willing to take responsibility and take charge of any needs and requirements. for the health of the 4-legged friend.
The medical care necessary to ensure the animal’s well-being includes periodic visits and checks by the veterinarian; but not only that, because it is essential to prevent any pathologies by subjecting the pet to all the compulsory vaccinations, only in this way will it be adequately protected from parasites and diseases.
There are many expenses to guarantee the health of your pet, especially when it comes to sudden expenses that at the end of the month can affect the family budget; for this reason, some insurance companies propose to take out policies for pets. Let’s find out what they are and why evaluate them as a solution.
Pet insurance policies: what they are
Pet insurance policies are increasingly popular, which is why almost the vast majority of insurance companies offer the possibility of opening pet policies.
Specifically, these have been designed to offer support to pet owners, who often find themselves having to face numerous sudden expenses related to the management of the 4-legged friend.
How a pet insurance policy works
The pet insurance policy covers all veterinary expenses that the pet may need in the future. But that’s not all, as they often also cover any damage to third parties or property, as well as legal assistance.
What is meant? The insurance company takes care, through the stipulated policy, of all the expenses related to your pet; for example, if your dog or cat has to undergo surgery, the insurance company bears the risk, so that you can obtain reimbursement of veterinary expenses, those related to hospitalization and treatment.
Or if your pet has bitten or attacked someone, the insurance will reimburse the amount spent in case of compensation or case of damage by your pet.
In addition to reimbursement of expenses, some policies also offer legal assistance, should the intervention of a lawyer be necessary.
It is mandatory?
Pet insurance is only mandatory in some specific cases, and no longer depends on the breed of the pet. As for dogs, for example, until 2009 there was a register of the breeds. Consider most dangerous, for which there was an insurance obligation.
Subsequently, this list was abolish, as it was established that responsibility. For the behavior of one’s pet rests with the owner who is primarily responsible.
Therefore, insurance for dogs is not mandatory except in the case of specific reporting by the veterinarian. If the pet already previously reported for violent behavior and enter into the Register of dogs. Declared to be at high risk of aggression.
How much does pet insurance cost?
The cost of pet insurance varies and depends on several factors, such as:
- type of animal: the cost varies according to the type of animal, whether it is a dog, cat, etc. For example, the cost of the policy for a dog will be higher than that for a cat.
- breed: the breed also affects the cost of insurance. As the policy for a Poodle will be lower than that taken out for a Rottweiler.
- age: another important factor, because for example, a young dog is less likely to get sick.
- City of residence: the cost of insurance policies also varies according to the city; for example, in a large metropolis the cost will certainly be higher.