Why do animals need insurance?

Many pet owners have taken their pets to the clinic at least once for examinations and vaccinations, undergone surgical or hygiene procedures, taken tests and undergone medical examinations. Regular treatment of furry animals is sometimes more expensive than treatment of people. According Pet Insurance Point if people can get a tax deduction and at least somehow reduce the financial burden on the family budget, then the treatment of animals falls entirely on the owners.

You can get insurance for:

• reduce your own level of anxiety;


• help yourself financially;


• protect yourself from pet tricks - damage to property, attacks on animals or people. 

What is pet insurance and what does it include?

The term refers to taking out a policy to cover expenses in the event of illness or injury to a pet. From a legal point of view, pets are not considered family members, but private property. Animal insurance is a type of property insurance that is more similar to car or real estate insurance. The principle of insurance is the same as for people: you pay the insurance company, and it supports you financially, and not only in case of unexpected events with your pet. Here's how it works: When a pet requires a procedure covered by their insurance policy, the owner pays for the treatment and then submits a claim to their insurance company, which reimburses the cost. In addition to monthly premiums, the policy may also have a copayment or coinsurance requirement. This means that the owner will pay for a certain part of the treatment themselves, and the insurer will reimburse the remaining cost. 

As a rule, insurance operates in 3-4 directions.  

Online veterinary help is a consulting service that allows you to remotely contact veterinarians on various issues. 

• Clarify issues of nutrition and regimen.


• Ask urgently about the problem that has arisen. A useful service in case a pet suddenly becomes ill and the owner does not know what to do about it.


• Consult a second doctor. Sometimes you want to show the results of tests or examinations to someone else besides your attending physician. In such cases, you can not go to other clinics in search of a specialist, but contact the insurance company. Moreover, when we are talking about a highly specialized doctor (oncologist or neurologist), finding a “second opinion” can be difficult.


• Get legal advice. How to transport animals in a taxi, train or plane? Where can you walk your dog if there are prohibition signs in the yard? Google or friends don’t always have answers to these and other questions, and it’s never a bad idea to turn to a professional.  

Veterinary care – allows you to cover the costs of treating your pet in case of accidents, doctors’ appointments and medications. 

Civil liability - involves payments in the event of a pet attack on other animals or people. The contract only applies to cases where the insured dog causes damage to the health, life or property of third parties. This service is most relevant for owners of large dogs. 

It is necessary to understand that the terms of such an insurance contract do not apply to provocative actions by the injured person. For example, if an animal attacked an intruder who was trying to rob its owner.