Claim Corner
April is National Pet Month and it’s time to think about those fur babies...your pets of course! We know your pets are family. When they get sick or injured, it can be a stressful time. That’s where pet insurance comes in. It can help by covering some of the costs of your pet’s covered and approved vet bills. Pet insurance, however, does not cover everything. Our insured came in a while back which stiches along his jawline. I knew it had to be either a facelift or a dog bite. He had attempted to move his dog away from him while he slept and his puppy snapped at him unfortunately, ending with a trip to the emergency room. Our insured still lived at home with his parents but had his own renters policy. So who pays for the doctor bill? When it comes to pets and you are the owner, coverage does not apply to you if you are a household member. If our insured’s dog would of bit a guest, his homeowners liability insurance coverage would have taken effect. It is also worth noting, the pet damage does not have to happen in your home. It can be at another location and your insurer will generally pay the victims medical bills plus any legal expenses, up to the limits of your policy. Pet insurance can be purchased in addition so you are more fully covered if your furry companion needs medical attention.
Pet insurance may include the following:
· Accidents and illness Diagnostic testing/X rays
· Vet-prescribed medication Alternative therapies
· Surgeries/hospitalizations and emergency car
