Facing damage caused by your animal, being able to treat it during health problems … So many events that can be very expensive if you have not taken out insurance.
According to the French Association for Information and Research on the Pet (AFIRAC), France is in Europe the country which has the most pets with 65 million cats, dogs, small rodents, birds and other fish. And more than 51 % of French households have a familiar animal. But, paradoxically, Ensuring your dog or cat has not become a reflexunlike the Nordic countries, for example. However, this can pose real concerns to their owners because their responsibility is engaged as soon as an incident is caused by their animal.
Damage caused: your Home insurance Don’t cover everything
Besides, the civil code is precise on the subject: “The owner of an animalor the one who has custody, while he is for him, is responsible for the damage that the animal causedeither that the animal was under its care, or that it was lost or escaped “. The French Insurance Federation (FFSA) specifies that in reality, in the event of an accident, it is” the goalkeeper of the animal which carries the responsibility of the damage caused “. He is supposed to be the one who exercises the powers of control and direction on the animal.
If your home insurance contains coverage for civil liability, it covers you against damage caused by your pet to third parties: bites, torn clothes, hole in the neighbor’s garden … Good news that meets two limits fairly quickly: the existence of a deductible and the coverage perimeter. On the first point, check if your contract provides one. This will avoid a very unpleasant surprise the day you will have to have your insurance play. Afterwards, This guarantee only plays third parties outside the family. For your family members, insurance only plays through a subscription to a guarantee of life accidents (GAV).
Others special cases do not fall within the field of civil liability guarantee Associated with home insurance: a dangerous dog, a dog participating in hunting, an animal assigned to professional use, or if you own what is called a new pet (bird, rodents, fish, insects, monkeys, reptiles, …). You must then contact your insurer to set up an extension of the warranty, or even the subscription of a specific insurance contract.
A solution to preserve the health of your animal
It is not just damage and damage caused by your pet, which can be expensive. An animal falls as sick. In this area, insurance has imagined health guarantees. They take care of the expenses incurred following an illness or an accident. The degree of coverage and management vary from one insurance company to another, but also depending on the nature, race and age of your animal. In a basic offeryou will be able to benefit from a reimbursement of veterinary costs, pharmacy, analysis and hospitalization. Then, depending on contracts, the transport of the animal in an emergency, vaccinations or sterilization, can be part of the guarantees offered.
Side prices, The contribution for the mutual health insurance varies from 6 to 40 euros per month depending on the guarantees offered. In any case, the higher your monthly premium, the more solid guarantees you benefit. An expense that does not appear as useless as it. Studies conducted jointly in Australia, China and Germany, specify that pet owners would be healthier than those who do not have them. What save on your own health expenses?