Dog insurance: indispensable protection for your beloved pet!
Dog insurance: indispensable protection for your beloved pet!
For many dog owners, their four -legged friends are more than just animals - they are family members. However, unexpected financial expenses also come with this responsibility, be it due to diseases or damage that dogs can cause. In order to protect themselves from these risks, experts recommend various insurance companies that are specially tailored to the needs of dog owners. For example, dog liability insurance and animal health insurance, with or without surgery protection, are essential and should be considered by every dog owner. According to Remszeitung is particularly important for damage to your dog, which are to be included in your dog, have to stick.Dog liability insurance protects against the financial consequences that arise from damage to third parties, such as personal injury to bite or property damage to property. This insurance is legally required in six federal states in Germany: Berlin, Hamburg, Lower Saxony, Schleswig-Holstein, Thuringia and Saxony-Anhalt. In other federal states, too, dogs classified must be insured, as reported FinSinn . Dog owners should make sure that the policy provides for a high coverage, ideally between 5 and 10 million euros, and also covers rental damage.
important types of insurance for dog owners
Dog liability insurance is not the only important insurance. Animal health insurance also plays a crucial role. This can be covered by costs for visits to vet, injuries and illnesses. Dog owners must specify all previous illnesses when the insurance is taken out, since they can influence the premium height. In addition, treatment costs must first be borne before the insurance company pays. The decision between full health insurance or surgical insurance should be made individually, depending on the needs of the dog and the owner. The costs for relevant interventions, such as a cruciate ligament surgery, can be immense and up to 2500 euros, which illustrates the need for such insurance, such as Image Notes.
The prices for surgical insurance begin at around 6.55 euros per month, while a full insurance is available from around 12.28 euros per month. Factors such as dog breed, age of the dog and place of residence also influence the costs. Furthermore, there are often waiting times of 2 to 30 days after the contract is concluded before services can be used, with some insurance companies offering immediate services under certain conditions.
Costs and cover amounts at a glance
The premiums for dog liability insurance usually range between 20 and 100 euros per year, depending on various factors, such as dog breed, age and place of residence of the animal owner. When choosing the right insurance, it is important to compare the fees and services precisely. A realistic premium for dog liability is around 55 euros a year, while the surgical insurance costs around 36.50 euros per month. Discounts are often available, for example for members of breed associations or breeders.
- important types of cover:
- Personal damage (e.g. compensation for compensation for bite injuries)
- property damage (e.g. destruction of property)
- financial losses (e.g. due to loss of earnings)
- rental damage in rented objects
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| Ort | Berlin, Deutschland |
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