Today, in most homes, its occupants share space with at least one animal. Like the rest, this member of the family also needs care and security that includes veterinary assistance when necessary and responding to possible damage, both physical and material, that they may cause to third parties. Therefore, in order to always have these guarantees, it is crucial to have an insurance for animals adapted to the type of species.
Although the most common pets are usually dogs and cats, many people are increasingly choosing to live with other types of exotic animals, such as birds, snakes, lizards or small mammals. Since each one of them has specific needs, it is not only important to ensure that it is possible to provide them with an adequate environment and care, but also that pets insurance coverage should also be as complete as possible in the event of accidents or civil liability. In addition, since caring for these animals is not always easy, it is essential that the policy includes a veterinary guidance telephone service to know how to act in any situation.
On the other hand, insurances that have a special treatment are those specially designed for horses, whether they are for a ride or intended for sporting activities. In this way you can count on double protection, both for the animal and for the owner. Generally, the main benefit of this policy is the medical insurance for these animals in reference veterinary hospitals.
Most common animal insurance
As we mentioned, the most common insurance for animals are those for pets, that is, dogs and cats. In the case of the latter, it is not mandatory to take out a policy for them, although this decision may be the solution to more than one unforeseen event that arises around the minimum. Regarding dogs, it is only mandatory to have insurance when dealing with a breed considered potentially dangerous, except in the Community of Madrid where it is necessary to have civil liability coverage for any dog.
Among the main guarantees of these insurances are damage to the animal in case of accident, theft or loss; medical assistance for pets, stay in a kennel for hospitalization of the insured and civil liability.
However, to benefit from this coverage, each insurer establishes a series of requirements, among which are compliance with the vaccination schedule, as well as identification with a microchip and registration in the municipal census of the place of residence in the case of dogs. In addition, pet owners should also pay attention to the maximum age of the animal in order for the company to take responsibility for it. In this sense, restrictions are usually established to apply accident and illness coverage when they exceed 7 years.
Although medical insurance for animals is a basic service, it is also convenient to review the points of the contract to find out about the possible exclusions in terms of medication, type of disease, treatments, grace period, etc. Do not forget that an insured pet is the best option to cover your assistance and protection needs, without forgetting the obligations in terms of care.
