A guide to dog insurance
Dog insurance is a type of assurance that is uniquely geared towards to the needs of dog owners. Generally speaking, most pet insurance policies are aimed at paying for medical expenses when they come along, to avoid giving you the dilemma of whether to shell out for costly operations or to have their pet put down. Dog insurance is no exception to this rule, but there are nonetheless a number of additional isssues that are specific to dog owners.
One of the main issues is liability . Whereas there are few cats or budgerigars that are vicious enough to do serious damage to another pet, person, or someone’s property, there are plenty of dogs that could potentially fall into this category. For instance, if your beloved mutt were to tear up a neighbours garden, then your neighbour would be well within their rights to demand compensation from you, the dogs owner. Similarly, if your dog were to maul a child and scar them for the rest of their life, then you would be in line for a major compensation claim. Liability insurance can pay this compensation for you when such unfortunate events occur.
Another concern is the fact that dogs can have an unfortunate habit of running away and getting lost, especially when they are in unfamiliar terrain. Retrieving a lost dog can often be simply a matter of asking around, but if this does not work then you may have to put some advertisements up, and this can cost money. You could print off some adverts on your inkjet printer, however the problem with this is that the ink that these printers use tends to run in the rain. Also, flimsy paper adverts tied to lampposts or trees have a tendency to get destroyed rather quickly, so it can pay to get some quality laminated card adverts made up. And then, there is the question of a reward, which you will have to pay to encourage people to return your dog. Dog insurance can help with these expenses if your dog goes missing.
This article about dog insurance was penned by Chip Atkins, a freelance insurance consultant based in Montevideo.
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