Pet insurance is the purchase of a policy in case of illness, injury or death of a pet. This procedure helps owners save tens of thousands of rubles. In general, the terms of the product are similar to the rules applied when insuring people. However, there are some limitations: not every animal can be insured, the number of risks and the amount of compensation are significantly less than for a person.
Insurance protection like from petinsurancepoint.com is provided mainly for well-known human friends - cats and dogs. It is not possible to insure exotic pets like a royal python or lizard. The policy guarantees compensation for veterinary services and payment for damage to other people or property if caused by a pet.
Animal age restrictions apply. The minimum is usually 2-3 months. The maximum age limit is 8-9 years. It is very likely that you will be refused if you want to insure a pet over 10 years old. Stop factors for purchasing a policy include situations when the animal:
Attention! You can only insure an animal that you own.
Some companies operating in the pet insurance segment disclose information about the most popular breeds. According to RSHB-Insurance, 19% of insured cats are British shorthairs. Next come the Siamese (11%), and the third most protected breed by the owners is the Sphynx (9%). Persians, fold-eared and straight-eared cats, and Maine Coons are often insured.
Among dogs, German Shepherds are unrivaled in terms of the number of policies purchased - 18%. Terriers (including Yorkies and Toy Terriers) are insured in 7% of cases, and huskies in 6% of cases. Owners of rare and exotic breeds - bobtails, drathaars, maltipoos, cane corso - turn to insurers.
Pet insurance requires purchasing a separate policy for each cat and dog. It is not possible to insure everyone with a single package. When registering, you must attach at least two photographs of your pet, in which the face and coat color are clearly visible. The program also includes animals without a chip and a health passport.
The insurance perimeter includes the property interests of the beneficiary associated with the risk of loss of health or death of a pet. This also includes the risks of civil liability in the event of material damage or harm to the health of third parties resulting from keeping a cat or dog.
There are special programs for pets taking part in exhibitions. However, you can insure your pet with some exceptions. Compensation is not provided for injuries, illnesses, unsatisfactory physical condition caused by participation in races, fights, walking, other competitive events, or the use of an animal for testing and for the purpose of obtaining commercial profit.
Many insurers set a limit on the one-time payment. The client can seek help even with the slightest ailment of the pet. However, each time he will receive a limited amount. If a deductible option is provided, the policy will cost a lesser amount, but the policyholder will have to pay up to 20-30% of the cost of treatment himself.
The breed of the pet, weight and height at the withers do not determine the cost of the policy. Insurance costs for large and small animals will be the same. The price is determined by the package of services, the need for a veterinarian to visit your home, and the duration of the contract. Special rules apply to fighting breed dogs. A number of insurers differentiate the amount of compensation depending on the breed and weight - the larger the animal, the greater the amount.
Attention! Standard terms of pet insurance are from 6 to 12 months. At the request of the owner, they are reduced in some companies to several days.
