Animal insurance

When the cost of a rare breed of dog or horse races for thousands of euros - it is logical to turn to animal insurance because it is a justifiable means of protecting cash investments. Generally speaking, you can try to insure any animal - and a cow giving milk, and a fox in the zoo, and a parrot in a cage.Animal insurance today is becoming increasingly popular. Despite the fact that the Civil Code, with characteristic thoroughness considers animals to the property - most of us are not willing to put up with this wording, because it considers their pets almost family. No wonder that we want to provide our younger brothers protection against any adversity - how much is enough imagination and money.

Livestock insurance - supply and demand

The greatest demand insurance animal uses in cities and large towns. Moscow and St. Petersburg are leading on this indicator, as in those cities each year increased the number of expensive animals: the elite racehorses, dogs, rare breeds with an impeccable pedigree, cats, exotic species. It is clear that the owners are extremely concerned about the preservation of "commercial properties" pets and do not spare money for the insurance policy for animals. Interest in this type of insurance is also observed in the regions - but to the metropolitan figures he does not hold.

As practice shows, the reality is not so rosy, and many companies restrict the list of animals that can be insured. The first in the list of "refuseniks" Insurance animals appear wild animals, purebred dog, lesser known exotic animal. So in order to get your pet insurance policy, a desire may not be enough ...

According to rules of insurance of animals and their owners liability - you can not insure any home a dog or cat, but only registered animals, whose age is not less than three months.Also, it is necessary to take into account the fact that each insurance company may have its limitations and requirements for the animal. For instance, unlikely to get an insurance policy for the animal species under the age of 4-6 months, or, conversely, topping the mark of 5-7 years. In addition, if your dog or cat litter expected - it is unlikely that you will be able to insure it.

Livestock insurance - registration policy

The procedure for obtaining the policy requires compliance with certain formalities: the collection and delivery of certificates of health and made him a pet vaccinations. Also, before you sign a contract of insurance of animals, the company will put your pet a thorough medical examination. If it is a dog - the company will insure it only if your four-legged friend is registered with the Kennel Club or Society.

What insurance to protect animals? The list of risks is as follows:

Animal insurance by
- case (death), loss, forced the slaughter because of illness (contagious, infectious, infective)
- natural disasters (storms, rain, flood, hurricane, landslide, earthquake, hail, storm, lightning)
- Fire ;
- shock, blast, thermal, or heat stroke, suffocation, hypothermia, poisoning, snake bites, scorpion, etc., drowning, falling under the vehicle, the attacks of wild beasts, etc.,
- burglary, robbery.

Livestock insurance also provides for the possibility of civil liability insurance for pet owners. The insurance policy provides for compensation in case of injury to health, life and property of third parties. If you - the owner of vicious dog, when you have an insurance policy does not matter if your pet will ruin property of third parties. The cost of reimbursement will take over the insurance company.

Insurance of animals in agriculture

For farm animals and breeding stock developed standard policies with a fixed size of insurance payments for his head. The amount paid is usually determined based on the price of cattle, prevailing in a particular region. Animal insurance usually operates in a private farm (farmstead) and directly related thereto pastures.

There are types of insurance on the death of animals during transport, during transport outside the region or abroad, in case of illness or injury, with the included costs for services veterinarian. Individual insurance contract to insure the animals allow representatives even exotic, alien species.

Be careful when signing a contract of insurance! Remember that the theft of animal is not easy to prove. Mentally weigh the risks and pick up an optimal insurance option of animals.