Security Dog Insurance policy explained

Security Dog Insurance Explained

The value of security dogs to society is extremely high as they protect people and property and prevent crimes such as drug smuggling. These animals require security dog insurance just like human workers need health and personal liability insurance. Now owners can choose from products specifically tailored for dogs that serve the public. You should get an idea of what to expect when you go shopping and what the main options available are.

What dogs qualify for security dog insurance

All security guard dogs, drug detection and explosive detection dogs qualify for this type of insurance. The animal has to be on active duty or in training. Typically, the insurance companies set age limits as well.

Most often, only canines from 8 weeks to 8 years will qualify for security dog insurance. This is because the risk of older animals getting ill or injured is quite high and it is not in the interest of insurers to cover them. Another important limitation to note is that animals older than 5 or 6 years are usually entitled to lower amounts of cover. The reasons are the same as the ones described above.

What cover benefits does security dog insurance include

Vet fees cover is present in virtually all policies. It is designed to pay for any medical treatment which your dog may require due to an illness or injury. The insurer will pay for surgical, dental and complementary treatments and for hospitalisation. Usually, all kinds of illnesses and injuries are covered. The most typical exclusions are pre-existing conditions, conditions the pet suffers within the first 14 or 30 days after the inception of the policy and hereditary conditions. Preventive and cosmetic treatments are typically not covered. The same applies to spaying and castration.

Security dog insurance plans often come with third party liability cover benefit. If the policyholder is deemed responsible for the actions of the dog which have led to bodily injury suffered by a third party or to third party property damage, the insurer will pay the compensation required. Nowadays people can make a huge claim even if the injury suffered or damage incurred is fairly small so it is best to be protected.

Mortality, loss and disability covers are also offered as part of security dog insurance. If an animal dies, nothing can help you overcome the emotional loss, but you will be financially compensated for its full value. The same applies if your pet is stolen or goes straying. You will be compensated in case your dog becomes unable to perform its duties due to an injury or illness. These types of cover benefits protect the investment the owners have made in the dogs. They are quite useful for replacing the previous helper with a new one.

Some companies tailor their security dog insurance policies specifically for security business owners and security dog training centres. These plans commonly include employer's liability cover, equipment cover, personally accident cover and professional indemnity cover. You can readily purchase these benefits together with your dog insurance if you have not purchased business insurance yet.

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What levels of dog security insurance are available

The most common type of policy is the lifetime one. It has a maximum annual amount of vet fees coverage. You can make as many claims per as many conditions as necessary every year up to the annual limit. You will be able to use this policy for as long as you want provided that you renew it annually. Of course, the age limits described above apply.

Per-condition security dog insurance is not as widely available as its counterpart, but some companies offer it. Instead of having an annual limit, it has a limit per condition. You can make a claim up to the set maximum amount of cover per condition. This type of policy is less flexible and will not be particularly useful to owners of animals that are at fairly high risk of recurrent injuries.

In general, you can decide how much of any type of cover to purchase when you get security dog insurance. Consider the breeds, ages and health risks of all animals that you employ. Take into account the vet fees in your area as well.

What is the cost of security dog insurance

Since security dogs are more valuable than pets and at higher risk of injuries, poisoning and other medical problems, the insurance plans for them are more expensive. The insurer will determine the annual premium amount which you will have to pay on the basis of your dog's age, breed and general health. The area which the dog lives and works in will also affect the price of the policy. You will have to pay more if the area has high crime levels or high vet fees.

The excess fee, which you will have to pay when making a claim, is based on all of the above factors as well. Usually, the excess fee for each type of cover benefit is different. Irrespective of the way in which the excess is calculated, the insurer will indicate clearly how much you will have to pay.

It is perfectly possible to save on security dog insurance. Just ask for multiple animal and/or online purchase discount.