Cheapest Pet Insurance

Whether you get the cheapest pet insurance or not isn't so much the question as the following. At present the insurance industry is attempting to sell homeowner insurance policies that exclude dog-inflicted injuries. Some insurance companies refuse to sell homeowner insurance to the owners of breeds of dogs that have a reputation for biting, such as pit bulls, Rottweilers, Akitas and Chow-Chows. Other insurers refuse to sell to anyone who owns any dog whatsoever. No dog owner should purchase a homeowner policy or renters policy that excludes canine-inflicted injuries, unless he or she buys a supplemental policy that covers them. The insurance industry also is quietly revising homeowner policies that protected dog owners when they originally bought those policies. Homeowners must carefully read all of the short slips of paper and other notices sent from insurers, in case they eliminate coverage for accidents caused by dogs. If that happens, a dog owner must get a different policy or an umbrella that provides both the coverage plus higher limits of protection. For all these reasons, dog owners need to learn about insurance. The cheapest pet insurance virtually never covers your liability for injuries that you intentionally cause to another person. However, dog attacks usually are unintentional. Even when they are suspected to be intentional, however, the attorney for the victim normally presents the claim in a manner that will trigger the dog owner's insurance policy, which increases the victim's chance of an insurance recovery. When a dog bite happens, it is important to determine whether the person legally liable for the bite, or the victim himself, is covered under a policy of insurance. If the victim is an "insured" under the policy of the dog owner or other insured, the victim cannot get anything under that policy, because a person who is an "insured" cannot make a claim as a victim under his own policy.