Pet Insurance Overview

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Pet Insurance Overview
Whether food, toys, or the cost of the vet: In Germany there are approximately 14 million four-legged friends, their health and well-being their holders is worth a lot of money. As in America, insurance companies are also becoming increasingly popular in this country, with which the risk of illness of the beloved animal may be hedged. There is also a liability insurance for the animals. Although this is not required by law, but spared the holders of the animal, should a financial disaster. Because after paragraph 833 of the Civil Code applies: "If an animal a person is killed or injured, the body or health of a person or thing damaged, so is he who keeps the animal, obliged the injured party to it to replace resulting damage. "This can be expensive.

Liability for dog owners


Even if the owner seriously insured "The just wants to play!", These contact attempts go between dogs and humans is not always harmless. Every year, up to 50,000 Bite wounds are treated by a physician by dogs, found the Association of the German Insurance Association. However, experts suggest that the real number of bite injuries is even higher. Whoever is bitten by a dog that can be hoped that the wound healed quickly. For dog owners there can however be expensive, if it has not entered into any dog ​​liability insurance for his dog - as, after all, just over half of all dog owners. This carelessness can have serious financial consequences, since by a dog bite victim may make demands for damages or other claims. Even small dogs can wreak major damage - for example if they suddenly run into the street and cause a collision there. For any kind of damage that wreaks the favorite or provoked, the pet owner may be held liable. Who relies here on his personal liability insurance, notes quickly that this does not pay for damages caused by animals.

Choose a policy with much loss spectrum

When searching for the matching liability policy for the dog should be taken, above all, that these safeguards much of the potential damage that can be caused by a dog: even a loss of the insurance is paid when a possible leash was not respected? Who is liable if the valuable breed bitch is unintentionally pregnant? What about the damage that the dog wreaks unless the dog owner, but an acquaintance Gassi go with him? There are considerable differences between the individual insurance, particularly as regards the coverage level and the inclusion of individual risks. If in doubt, a detailed consultation helps an insurance agent. Even if the dog in the rented apartment inflicts damage that is not covered by any dog ​​liability.

In some states the insurance is already mandatory

Since 1 January 2010, the liability insurance for dogs is already in Hamburg and Berlin in a liability insurance. Lives of the dog with his owner in Saxony-Anhalt, then he is obliged to liability insurance when he was born after March 1 of 2009. In most other states, the liability insurance for dogs for fighting dogs and for dogs consists of such breeds that have been classified as dangerous. Only in Thuringia and Mecklenburg-Western Pomerania, the liability insurance for dogs is no obligation.

Liability insurance for horse owners

What is true for dogs, is in horses as well: For all damages caused the animal, the owner is liable. Who often dealing with horses has, whether as a supervisor, rider or owner who should take out liability insurance for horse owners, so does not have to be stuck with the private assets at a loss. Scheut a horse and running on a busy street, which can quickly lead to a momentous accident with metal or personal injury. Depending on how the treaty is designed, the liability insurance for horses either only the holder may hedge, or else at the same time to include guardians, Reitbeteiligungen and foreign riders with. Even before the conclusion of the contract, the insurance company about the scope of use has to be informed (eg in Reitbeteiligungen). Only the insurance cover can be chosen so that all ventures are considered.

Some insurance companies are now offering tariffs that include special services: Applies to the dam already has a liability insurance, then you can be insured free of charge in the first six months of his life a foal. However, also here: About the expected offspring, the insurance company must be informed in advance. Anyone who owns a castrated stallion, can match the horse liability insurance against the unwanted generation of a foal secure when the owner of the mare makes his expense claims. However, with the additional benefits also in almost all cases the contribution is a little more expensive. Thus in the case of damage caused by the horse, all is well insured, every equestrian sport of use must be expressly covered. This is particularly true if part of a Reitbeteiligung have several riders with the horse dealing. The conditions in the liability insurance for horses should cover beyond doubt that foreign riders of any kind are automatically insured. Otherwise it may happen that only the holder of the horse and rider name possibly mentioned are covered by the insurance.

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