Is it okay to insure your dog or cat while you are queuing up for an EKG? We'll tell you what pet insurance covers, how to get paid from the insurance, and were to mess up so that payments are denied.
Is it okay to insure your dog or cat while you are queuing up for an EKG? We'll tell you what pet insurance covers, how to get paid from the insurance, and were to mess up so that payments are denied.
What is pet insurance?
This is a way to avoid spending too much on medical treatment or making reparations to others. You can ensure the pet's health or civil liability in case the dog harms third parties.
Insurance for cats and dogs is similar to other insurance: the client pays premiums to the insurance, and the insurance covers the client's expenses if an insured event occurs.
Some people think that insurance is like a lottery: he insured a tooth for a million, and if it falls out, the insurance will pay a million. But the insurance company pays not for the fact that the client foresaw the misfortune, but covers the costs of this misfortune.
The insurance covers unforeseen expenses for the accident, rather than helping to make money on it
Who can be insured
Domestic dog or cat of any breed and mongrel. If a dog lives on the street in an open-air cage, it is a pet.
Do not: turtles, hamsters, gophers, and other domestic animals. Farm animals are insured but in other insurance programs related to commercial risks. This is a different story.
When will the insurance pay
The insurance pays when an insured event occurs. An insured event is an event for which the insurance company covers the client's expenses. The most frequent insured events in the world of cats and dogs are surgery, illness, poisoning, tick bite, harm to other people or damage to someone else's property.
When will not pay
Routine veterinary examinations, grooming, dentistry, pregnancy management, treatment of malignant tumors, childbirth, infertility treatment, routine vaccinations and preparations for routine treatment against parasites and ticks, sterilization (except when it is indicated to the animal as a result of illness or injury).
Just in case, check .
- The deadline for notifying the insurance company.
Dima's dog got poisoned while walking. Dima took the dog to the best clinic in the city and left him in the hospital - the insurance will cover it. A week later, he sent the insurance documents, but he was denied payment. It turns out that it was necessary to notify the insurance company within 24 hours. This was written in the insurance policy. - What territory does the insurance cover?
Lena insured the dog in Moscow, then went to her mother in Novosibirsk. The dog became ill, Lena went to the clinic, and then applied to the insurance company. The insurance company refused to pay because the clinic is located in another city.
How to get health benefits
- Chat with your insurance veterinarian;
- Go to the clinic and treat your pet;
- Request an extract or conclusion with a seal and signature;
- Save your receipts;
- Submit your documents to the insurance company.
What should be in the doctor's opinion
Each insurance company has its own requirements for documents, it is better to clarify. This is what should be in the conclusion most often:
- Full name of the doctor;
- description of the situation;
- description of the treatment,
- all services, medicines, and supplies;
- date of the application;
- Printing.
What should be on the check
Each insurance company has its own requirements for documents, so you need to clarify them separately. Most often, the insurance company requires that the details of the check coincide with the appointment and statement.
How to get civil liability payments if a dog bites a person
Call the insurance company. They will tell you the procedure and explain which documents to collect and how to draw them up correctly.
Go to the clinic. Don't think about money, think about the victim's health. Take him to the clinic and pay the expenses. The costs within the insurance limit will be reimbursed by the insurance company. Usually, you can contact both public and private, but it is better to check with your insurance company.
Show the doctor the dog's passport. From it will be clear what vaccinations need to be given to the victim.
Collect documents. Keep all receipts, take a photo of the doctor's report, ask to write down the need for each prescribed drug. Collect everything that confirms the costs associated with the accident: taxi, clothing, medical treatment, and sick leave. Take photos, shoot videos.
Go to the police. You can contact the police. It is best to go there with the victim to pick up a copy of the statement immediately.
Send documents to the insurance company. Collect all the specified documents, videos, and photos, make scans where everything is clearly visible, and send them directly to the insurance company to receive a payment.
How to get civil liability payments if your dog messes things up
Call the insurance company. They will tell you the procedure and explain which documents to collect and how to draw them up correctly.
Record damage. Take a person's contacts and fix the damage, take photos and videos.
Assess the damage. Visit a damage assessment service, such as shoe repairs if your dog chews on a shoe. Pay for the victim's expenses, bring a check, and a specialist confirmation. If the item cannot be repaired, ask for a receipt, find out how much the new one costs.
Report to the police. Notify the police or district police officer to obtain confirmation and record a civil liability.
Send documents to the insurance company. Collect all specified documents, videos, and photos, take scans, and send them directly to the insurance company to receive payment.
Why the insurance company can underpay
There is a deductible in insurance. In relation to pets, they most often use an unconditional deductible and a temporary one.
An unconditional deductible is the portion of a loss that cannot be reimbursed. This is how the insurance company cuts part of its costs and protects against suspicions of money laundering.
Petya paid 10,000 rubles for the veterinarian's services. The insurance company reimbursed 9,000 rubles - because of the deductible. 1,000 rubles are Petit's personal expenses.
Temporal of the franchise called the period during which the insurance is not valid. For example, 2 weeks from the date of the policy. So the insurance is protected from those who want to issue a policy retroactively.
Petya took out insurance on September 1, and on September 2 he applied for reimbursement of the costs of a tick bite. The insurance company refused because it has not yet passed two weeks since the payment of the policy. The insurance company is not sure if the cat was bitten by a tick today, and not yesterday before purchasing insurance.
So, pet insurance
- It is issued for dogs and cats;
- Covers unforeseen medical expenses and civil liability;
- Does not cover planned expenses for pets, dentistry, pregnancy, and childbirth. It takes into account a temporary and unconditional franchise (almost always).
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