Have you just adopted a dog or cat to the delight of your family? In addition to the responsibility towards him in terms of care, there is the responsibility of responsibility. A pet, even an adorable one, is likely to cause damage: biting a child, damaging furniture, etc. Unfortunate and sometimes costly situations. The only way to compensate the victim is to have insurance that covers the damage caused by your pets.
I opt for a health insurance plan for my dog or cat
Damage caused by a dog or cat: who is responsible?
In the event of damage caused by a pet, the person in charge of the animal is responsible. In concrete terms, if the dog or cat is at home when the damage occurs, the owner is responsible. On the other hand, if you entrust your pet to a friend or boarding house at the time of the incident, they are the ones responsible. Is your dog or cat causing damage when running away? You are solely responsible.
What insurance covers your pet's damage?
Is your dog eating your neighbour's chickens or your cat breaking into the house next door and damaging the sofa? Here, Civil Liability applies. A guarantee included in your home insurance to cover property damage and bodily injury caused to others. This also applies to those caused by a pet.
Please note: Civil liability alone does not cover damage caused to your pet or to your home. For more extensive coverage, you should expand your level of protection with additional coverage.
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What to do if your dog or cat is damaged?
If your dog or cat causes damage, you should file a claim. In terms of insurance, the procedure is the same regardless of the claim: you report the claim to your insurer within 5 working days. Depending on the terms of your contract and the amount of damage caused, the insurer will compensate the victim.
Don't have home insurance or your pet is excluded from your policy? If your pet causes damage to a third party, you will have to pay the costs yourself. Depending on the severity of the injury or property damage, this can cost you dearly. That's why it's important to get insurance to insure your pet's liability. You should also know that dog and cat health insurance policies include civil liability coverage in their contract. In addition to guaranteeing their health care, they offer you protection in case of damage.
What animals are covered by the insurance?
In addition to cats and dogs, liability insurance also covers backyard animals (chickens, goats, rabbits, roosters), horses and NAC (New Pets). Pay attention to the terms of your insurance contract, as some insurers may exclude certain categories of animals such as reptiles, for example. If this is the case, it is necessary to take out additional insurance. Category 1 and 2 wild animals or dogs are subject to Civil Liability exclusions. It is mandatory to have specific insurance.