Bird and Pets

Dogs are great satisfaction but can also give their owners significant troubles, caused by unexpected behavior, dangerous or inappropriate.

When you buy dog ??or adopt dog, do not think are possibilities which occur but rarely do they occur more often than desired, such as a bite, an accident with the subsequent complaint, a fracture of any valuable …

Today, owners are those who can choose the type of policy best suits your needs, depending on a number of parameters such as the animal’s breed and fee to pay.

Therefore, it is always advisable, regardless of the breed of the dog, an insurance policy, and it should be mandatory insurance for dogs in the autonomous Basque Country and Madrid. In other communities, only dogs classified and regulated as hazardous should be mandatory insurance for dogs.

There are, in summary three options for insurance for dogs:

Liability:
In this type of insurance there are two possibilities to be a basic cover for liability or damages that may cause the dog or a more comprehensive insurance which also covers the dog.

- Signing a liability policy for the dog, that will change in features and price if the dog is classified special or not, because this classification distinguishes the dogs most insurance companies, although some say they do not distinguished based on these criteria alone, but it is true that under the category of special Rottweilers or Pit Bull.

- The second option provides more complete coverage, including expenses of veterinary care, slaughter and disposal of debris, as well as compensation for death of dog and even theft.

- A third option is to ensure the dogs deemed potentially dangerous. Here, owners are required to sign a policy with liability coverage of at least € 120,202. Included in that group are dogs like the bull terrier, Dogo Argentino or stanfordshire doberman bull terrier … There is another group, such as the Nordic countries, which are not dangerous because of their aggressiveness but escaping with ease and can cause accidents.

In terms of rates or prices on insurance for dogs:
- Dogs are not dangerous: between 35 and 75 euros per year
- Dog dangerous between 70 and 150 euros per year

Policy for family and animals:
The procurement of this insurance can be an individual (only for members of the family or for family and animals) and coverage in this setting is different from that offered by a multi-risk home insurance.

Hiring a common policy for the family and animals, which is intended to cover damages that are caused by the dog or any other member of the family. In the case of the animal risk assessment will be dictated by race, whether hazardous or not, and the number of animals or pets who live at home.

Multi-risk home:
Inlcusión the dog in the household comprehensive insurance. Sometimes we do not know the fine print of insurance contracts and for example, in the home if it covers dogs, say in small print way … guarantee liability for damage caused by household pets tested property and living at home the insured. ”

However, although our home insurance include the text above should read carefully the fine print to learn the limits of coverage. Thus, only if legal requirements are in order, may belong to the category of insured.

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