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All the general information about car insurance coverage and traveling with pets

by Marquette Turner Luxury Homes

in Features, Money & Business, Travel, Variety

There are many avid pet lovers with the burning question whether your pet is covered through the automobile insurance you have gone for. Well, the correct answer is, it depends. With some insurance services it is given whereas for some pets aren’t covered. The usual practice for insurance service providers is to cover for cats and dogs and specifically their veterinary and medical expenses. Keep in mind that the coverage is within the limit of the insurance plan. 

Pet travel insurance with dog in car - Photo by Avi Richards on Unsplash - Marquette Turner Luxury Homes
Photo by Avi Richards on Unsplash

It is therefore a great idea to inquire before you select your service provider. We do understand that for avid pet lovers it is nearly impossible to travel leaving your dog or cat at home. So, if you are keen on traveling with your pet, it is in your best interest to have an insurance policy that covers the medical cost for your pet in case something goes wrong. 

So, if you are looking to ensure safe trips with pet, here is what you need to do.

Major questions regarding pet coverage and car insurance 

Here are the three main questions that every pet lover is keen on getting answers for. These are as follows.

  • What happens when there is an accident with the pet inside the car?
  • What are the insurance companies with the right pet coverage?
  • Are there are any safety tips to maintain while driving with pets?

When the pet is inside the car

Let us answer the first question. Yes, there are circumstances when the injuries to your pet will be covered. Here is the detailed analysis. 

When the fault is with you

If you are culpable for the accident then keep in mind that the injuries for the pet will be covered if it is explicitly stated so in the insurance terms and conditions. You need to add an endorsement to the policy if your policy doesn’t cover the pet and you are a frequent traveler with your cat/dog in tow. Keep in mind that pet coverage is cheap and doesn’t raise the premium by a large amount. 

When you are not at fault

If you are not at fault with the accident then you can be rest assured that all you need to do is file a claim like you normally would. The other party’s liability coverage will cover for your therapeutic expenses as well as your pet’s medical bills. You will be reimbursed by the insurance service of the other party. 

About services

There are various services that offer pet insurance coverage. All you need to do is search online and make your choice after deciding on your requirement. Keep in mind that the general coverage is around $1,000 as insurance for the medical expenses and the vet bills. 

Additional tips

Here are the tips that you need to keep in mind regarding safe traveling with your pet.

  • Go for a separate pet insurance if your pet is not covered by the insurance service or if the compensation amount is too low. 
  • Train your dog or cat well to keep it away from harm’s way and make sure that the pet’s presence doesn’t distract you while driving and navigating traffic. 
  • Always use the seat belt or a safety harness installed from an industry standard third-party to minimize risk.

That is all that you need to keep in mind about insurance and safe traveling with pets. 

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