Should You Get Your Dog Insured?

It's true that some breeds are considered potentially dangerous, and in such cases owners should have an insurance policy against damage to third parties. However, there are many other reasons why it's a good idea to get insurance for your dog.
Should You Get Your Dog Insured?

Last update: 27 October, 2018

You may have heard about insurance for dogs. However, you might think it’s only necessary if your dog is a potentially dangerous breed. It’s true that in such cases it’s an obligation to have them, but it doesn’t mean that people who want to get their pet insured can’t. If you’re wondering about if you should get insurance for your dog, then read this article.

Why should you get insurance for your dog?

The law states that owners are responsible for their dogs. Therefore, you have to somehow “pay”  for the damage that they do to other people, pets, or property. Even though you know your dog and their breed well, there is no nothing wrong with getting your dog insured.

Just like the biblical saying goes, “oppression makes a wise man mad.” Your dog could get into a desperate situation that could cause him to bite a pet, child, or another person.

The truth is that annual insurance for your dog doesn’t cost that much, and it can prevent many problems. It’s something to consider, taking other factors into account as well.

insurance for your dog

For example, there are towns decide whether dogs are obligated to have insurance or not. In other words, if the city hall requires certain dogs, or all dogs, to have insurance, no other law will exempt you from that regulation. It’s important to check ar your city hall just to make sure you do or do not need insurance.

On the other hand, even if your dog isn’t from a potentially dangerous breed, you have to get your dog insured if it weighs more than 20 kilos. If you get dog insurance, you must also make sure that the amount of civil liability is pursuant to your communities requirements.

More than ever, insurance is a requirement of responsible pet ownership, since it prevents major problems.

Compare prices

If you have already decided that you want to get insurance for your dog, even if it’s not mandatory, make sure you compare prices. The average price for pet insurance varies between 70 and 92 dollars per year. However, insurance companies compete for customers, so you can most likely get a good deal.

You can also ask if your home insurance covers your pet, and what type of coverage it offers in case it does.

insurance for your dog

Another thing to consider is the dog’s value. We not trying to say that money has more value than living animals, but it’s important to know regarding your insurance policy. Some dog breeds cost a lot of money. These kinds of insurance policies can cover the costs of getting you a new dog in case your dog gets lost, stolen, or has an accident. Likewise, it covers veterinary treatments and stays in dog hotels.

As mentioned earlier, when it comes to potentially dangerous breeds, insurance is a must. When in the process of getting an insurance policy, the insurer will verify that you meet certain requirements:

  • You are of age
  • No criminal record
  • You have the physical and psychological capacity to care for a dog of that nature
  • You must buy a policy covering damages to third parties for a minimum of 137,094 dollars.

In conclusion, you already know that having a pet is a big responsibility. Also, in certain situations, you’ll be the one who has to answer for your dog and their actions. Insurance will protect you in many situations, and it won’t cost you that much. It’s “better to be safe than sorry”, don’t you think?

This text is provided for informational purposes only and does not replace consultation with a professional. If in doubt, consult your specialist.