Accident & Injury Dog Insurance - General Accident & Injury Dog Insurance Explained

Accident & Injury Dog Insurance

Even if you do your best to protect your canine pet, accident resulting in injuries can occur. An accident & injury dog insurance policy will help you pay all the veterinary bills for the necessary treatment. This type of policy is particularly suitable for owners of playful and independent pets. However, all owners should consider it. Find out what types and amounts of covers you will get and how much a typical plan costs. This will certainly help you make the right decision.

What does accident & injury dog insurance cover?

This type of policy covers injuries resulting from accidents. All sorts of accidents qualify for reimbursement. These include road accidents, attacks from other animals and unintentional poisoning. For instance, if your Yorkshire terrier is attacked by a raging Pit Bull, you will be able to pay for the veterinary treatment using your policy. Similarly, if your beloved pet eats something not edible and harmful to its body, you will be able to use the insurance for covering the cost of treatment.

There is a wide range of injuries which the accident & injury dog insurance covers. These include fractures, strains and shin splints. Generally, all kinds of injuries affecting the bones, joints, tendons and muscles are typically covered.

Most companies cover wounds and cuts as well. As you certainly know, these are fairly hard to treat in dogs due to the thick fur and the fact that the canine will follow its natural instinct and lick the wound or cut. In case of such injuries, pet owners will certainly benefit from a comprehensive insurance cover. Poisoning is also usually included in the list of problems covered.

Third party liability cover may be included in accident & injury dog insurance as well. This type of cover will protect you financially in case your pet is responsible for an accident which has led to third parties suffering from bodily injuries and/or incurring property damage. If the people involved in the accident decide to make a financial claim against you, you will be able to use the insurance policy to pay them.

In general, it is best to check specifically what the accident & injury dog insurance plan you are considering covers just to be on the safe side. This will help you find out how useful it may be to you in the future. You should certainly take into account the age, breed, behaviour and training of your pet when deciding on such a policy.

How does the typical accident & injury dog insurance work?

It should be highlighted that this type of insurance covers only injuries caused by accidents. If the insurer decides that your pet has got injured due to something else and not an accidental event, they will not pay for its treatment. You may want to discuss the specifics of this type of cover with a representative of the insurer you purchase it from.

In general, the typical accident & injury dog insurance policy has a maximum amount of coverage per injury caused by an accident. This means that you can make claims up to the set limit. Most policies are time capped as well. They are valid only for a certain period of time. Therefore, the insurer will pay for your pet's injury caused by an accident up to the limit or up to the policy expiry date, depending on which one comes first.

Usually, the set maximum amount of cover is the same for all kinds of injuries resulting from an accidental event. It does not matter whether your pet gets a small cut on the back or a broken leg. You will be able to cover the vet bills up to the same maximum amount using your insurance. It should be pointed out that some insurers may set different caps for the different types of injuries, but this is generally rare.

How much does accident & injury dog insurance cost?

The premium, which you will pay annually or in the form of monthly instalments, depends on the maximum amount of cover per injury which you will purchase. Most companies will take into account your pet's breed, age and general health also. It is common for insurer to base the premium on the area which you live in. If it is known for its high number of road accidents involving dogs or for the high vet fees, you can expect to pay a higher premium.

All accident & injury dog insurance policies involve excess payments. You will have to pay an excess fee every time you make a claim. The excess can be fixed. It can be a set percentage of the claim. Some companies use a combination of the two. The amount of excess, which you will have to pay, depends on the same factors as the premium.

Another thing to note is that the excess fee usually varies for the different types of cover. For instance, you can expect to pay much more when making a claim on the third party liability cover compared to the fee which you would pay if you made a claim on the accident and injury cover.