Dangerous Dogs Liability Insurance Requirement

Dangerous Dogs Liability Insurance

Dangerous Dogs Liability Insurance

More cities are moving to enforce restrictions on dangerous dogs and in recent moves, some are making new insurance requirements for the owners of “dangerous dogs”.

In the suburb of Royal Oak in Detroit, officials have had enough with recent vicious dog attacks and have decided to enforce new rules on those animals. As reported by the Detroit Free Press, in October a Doberman pinscher left outside a grocery store attacked a man and severely injured him. Police have also been forced to shoot some pit bulls that mauled a small dog.

The city commission, Patricia Capello was behind the push for new dangerous dog laws which include secure yard requirements, obedience training, a microchip implanted on the animal and a $1 million liability insurance policy.

Capello suggests that despite the $1 million policy requirement seeming to be a bit high, it is required so that people don’t lose their homes, saying “It’s worth it to have the peace of mind that you won’t lose your home”.

With a dangerous dog there is potential for serious injuries or death to other people or animals, so that level of policy probably is the right amount. A liability insurance policy of that level is expected to cost around $110 per year.

Other suburbs like Farmington Hills already have a requirement for $1 million in liability insurance for owners of dogs with a history of bites or attacks, so Royal Oak is not going it alone in instigating this policy. In fact it is expected that many other suburbs with dangerous dogs will follow this policy. Waterford and Westland also require insurance policies, but not to the same extent.

There is also a chance for dog owners to have their pet reclassifed so it is no longer considered “dangerous” if it has a good track record with no instances of escaping their yard without the owner or biting any people (or other animals).

It is another thing to consider when selecting your pet – could there be additional expenses coming from insurance policy requirements if you choose a breed that is more likely to be dangerous. More suburbs and cities are likely to move to similar kinds of requirements as deaths and injuries to dog attacks continue to rise in the United States. Some pet insurance policies do contain an allowance for dog bites, so it is worth checking your policy to determine exactly how much you may be protected. Usually any liability insurance in a pet insurance plan will not reach the required $1 million in liability insurance so you may be required to have 2 insurance policies.

Cheaper Pet Insurance

Pet Insurance Tips

Pet Insurance Tips

Pet Insurance can be expensive but it is one of the most worthwhile expenses given that vets are continually raising their prices. Some veterinarian procedures can cost thousands of dollars and many people end up in debt because they tried to save the life of their much loved pet. Here are some quick tips on how to save money when buying pet insurance!

Get your pet neutered. Some pet insurance companies offer cheaper insurance premiums if your pet is desexed. This is because giving birth can be a dangerous and costly affair for some animals. Pugs, for example frequently have difficult births and the mother often has to have a caesarian section to safely deliver the pups. If the insurance company knows it won’t be asked to fund the cost of delivery or any complications related to your pet’s delivery, you can obtain cheaper insurance.

Additionally, your animal is safer when they are neutered. Safer from other animals, safer around children and less messy.

Get your animal microchipped!  Microchipping provides peace of mind because if your pet becomes lost, any vet or dog catcher can scan their chip to find the owner details.  The chip is a small flexible disc that is inserted under the skin on your pets neck.  Many insurance companies have clauses in their policy which allow for a certain amount of money to be paid to help find your lost dog.  Microchipping lowers the risk of a lost dog because it can always be identified as belonging to you.

Another great tip is to make sure you only use your pet insurance for major ailments.  Frequently people use insurance on every minor ailment that their animal has, but this often becomes more costly because of the insurance excess you pay when making a claim.  Often if it is something small like a minor infection, it’s worth paying the vet the $80 yourself rather than forking out the $100 excess the insurance company might require.

Save your pet insurance for the more costly items, like a sudden injury to your pet like a broken leg, or more costly procedures which involve surgery.

Another great tip is to maintain your pet’s general health.  Buy them bones to help keep their teeth in great condition, treat them for fleas, make sure they wear tick collars and manually check them for ticks, make sure you use a good heartworm medication and so on.  These simple measures can save you from visits to the vet and save money in the long run.  Make sure you clip your dog’s toe nails so it doesn’t develop an ingrown toe nail that can lead to an infection.  Give them a regular bath and check their overall health when you do so.  Most of all – don’t overfeed your pet!! Do all of these basics to save money in the long run.

Keep your pet indoors.  One great tip for cat owners is to keep your animal indoors so it doesn’t run the risk of being injured while outside.  Some insurance policies offer discounts for “inside cats” because they are less likely to be injured and require costly veterinarian care.

Homeowner Insurance And Dog Bites

Dog Bite Insurance

Dog Bite Insurance

For those who own a dog, you realize there are large expenses involved. You will pay for the expense of pet food, veterinary bills, boarding costs if you travel, and other items like toys and dog grooming gear. You might also have a dog health care insurance policy to help you cover the price of dealing with severe illness, yet it’s vital to have a policy that defends you and your dog in the eventuality of a biting incident. Certain homeowners insurance plans feature liability for family dog bites, however, you should shop carefully to make sure you are very well covered.

How necessary is getting a plan to cover liability when somebody is bitten and injured? It is estimated that nearly 5 million people in America suffer a dog attack annually. Not all of those injured are attacked by strange stray dogs, either – most of the time the injured person is a good friend or relative of the pet’s owner. The actual levels of seriousness will vary, as well, and not everyone will document claims.

USA Today says that dog bites comprise over a third of the entire liability claims paid out in 2011. With roughly $500 million settled to affected individuals because of this, it comes as no great surprise that canine owners may be most likely to fork out for larger premiums, which might put you off from having the correct insurance policy. This is dangerous – you may well insist your dog might not hurt a fly, but are you willing to take chances?

Are pet dog bites covered under property insurance? It mostly depends upon the following variables:

1) The insurer. Does the provider of your choosing feature dog bite liability inside their coverage? If that’s so, for how much money can you cover your pet should it attack? Speak with your insurance agent with regards to your possibilities.

2) Your pet dog. You might be refused certain coverage thanks to your canine’s breed. Pit bulls, German Shepherds, and Rottweilers are some of the dog breeds that a number of providers won’t include.

If you encounter hurdles in finding insurance coverage because of your dog’s particular breed or the price of the premium, please do not feel disheartened. There are strategies you can work toward having the safeguards you require.

1) Sign up your pet dog in a licensed obedience training plan. Taking the initiative to condition your pet dog so he/she reacts well around people could help your circumstance when you look for insurance protection. A firm may be ready to provide you with a policy if you can demonstrate your pet dog has gotten the correct coaching.

2) Checkout umbrella insurance policies. As the title indicates, “umbrella” insurance is developed to include a broader range of liability than provided by other insurance policies. In the event your home insurance does not feature dog bites, your umbrella insurance policy takes over.

Depending on kind of pet you have as well as other factors, it is possible to enroll in property insurance that insures dog attacks, and shield your family dog and house. Should you not have insurance available, contact brokers and get the ideal policy for your household.

What is Pet Insurance?

What is Pet Insurance

What is Pet Insurance

If you decide to become a pet owner, the main part of the job is looking after your pet’s health and making sure they are kept well fed and happy. Keeping your pet healthy means regular trips to a veterinarian for all of their vaccinations and also if they have an illness, accident or medication condition. The problem for many pet owners is that trips to a veterinarian can be very expensive and sometimes those bills come in at a bad time.

Luckily there is pet insurance available which provides assistance in paying for those surprise expenses associated with owning a pet. The following article will examine pet insurance, explaining what it is, why you should have it and the various types of pet insurance.

There are many ways to find out about the types of pet insurance and the costs associated with it via the Internet now. Most large insurance companies offer calculators where you can estimate how much coverage will cost and they have a list of exactly what is covered by the insurance and what is not covered. For some insurers, the age of the pet, and it’s breed also come into play, as some breeds are more susceptible to certain illnesses. Usually you can also select between budget coverage and a more premium type of coverage which is more extensive.

It is essential to find pet insurance that not only offers good value for money, but provides the full range of services you think your pet will require and is provided by a reputable insurance company. There are some poor quality providers offering pet insurance so it often helps to use a provider that has been recommended to you, or has a good reputation for providing good service.

The kinds of things that are covered by pet insurance include the cost of surgery, hospitalisation, prescriptions and laboratory tests. You have to be careful to read the fine print of the insurance however, to make sure that it covers pre-existing conditions if your pet already has a few health problems.

When shopping for pet insurance you should also look at the list of exclusions on the insurance policy. Exclusions are things which are not covered by insurance and depending on your pet and your pets lifestyle, you may not need the exclusions and can save money. For example if your pet lives indoors most of the time you might not need coverage for snake bites. Additionally some hereditary conditions are on the exclusion list and depending on your breed of pet you may not need them.

Your location plays a role in the cost of the insurance, as pets living in the country or the city seem to be affected by different kinds of ailments. So when you get your insurance, not only will your pet’s age and breed be considered, but also their location. Some insurers will not insure older dogs at all, but if you pay a higher premium you can find an insurer who will do it. With older animals, when applying for pet insurance, sometimes it may be necessary to provide the medial records of the animal so the insurer knows about any pre-existing conditions. Additionally a medical exam may be required for your older pet. With younger animals usually a medical examination is not required.It is advisable to get your pet insured as early as possible, as most insurers will continue coverage of a young pet all through their life. An older pet is often difficult to find insurance for.

The most important factor when selecting your insurance provider is to read the policy detail and understand what is covered and the exclusions. Additionally hidden costs are sometimes added for certain kinds of procedures ad pet problems, so be aware of those. It will all be laid out in the fine print of the insurance document and if you have any questions the insurance providers usually provide clear and easy to understand answers when contacted.

Sometimes only certain veterinary clinics are available under certain types of insurance. You should enquire if there are any restrictions on the clinics and ensure that the clinics are of high quality. Ideally the coverage will extend to treatment at your regular veterinarian.

Pet insurance can save you many thousands of dollars in bills and ensure that if your pet has a health problem you can get the best care immediately and not worry about where to find the money. Pet’s do face a lot of dangers even around the home and in the world, so you never know when they might be injured. A comprehensive pet insurance policy will handle these unexpected accidents and more!