Is it necessary to insure your dog? Common types of insurance and advice on choosing

Owning a pet is gradually becoming a way of spiritual support for young people, and as the pet industry grows, pet insurance is becoming more and more important to everyone. After all, the medical expenses incurred by pets who are injured or sick are no less or even more expensive than those who are sick themselves. Many pooper scoopers lamented that the adopted meow or dog had a better life than their own. At present, many domestic companies have also launched pet-related insurance, so is it necessary to buy insurance for pets?

Compared with foreign countries in China’s pet insurance market is not mature enough, insurance coverage is relatively single, small coverage. Because of the pet owners of insurance awareness is not strong, most think to buy insurance for pets superfluous. But in fact, pets and our family members, they will also be sick, and now the pet-related “medical malpractice” countless, many pet owners to bear the pain of losing their beloved pets.

Insurance is a great way for pooper scoopers to avoid illnesses as well as accidents with their pets. It can reduce the burden of keeping our pets for a long time, and also give our pets an extra protection to keep them company for a longer period of time. There are just three main types of pet insurance offered by insurance companies nowadays.

I. Pet Liability Insurance

It mainly pays for personal injuries and property damages and medical expenses caused by your pet to a third party. If your pet accidentally causes injury to another person, the damage in this case is covered. Generally the policyholder and insured of this type of insurance are mostly individuals, and it covers not pets but individuals who have dogs as family pets and keep them legally.

II. Pet medical insurance

For the treatment costs of pets due to illnesses and accidents, mostly covering outpatient, hospitalization and surgical expenses. Purchasing this type of insurance can be used to reimburse some of the costs when your pet is sick.

III. Comprehensive pet protection insurance

This type of insurance is a package of sickness medical, accident medical, and triple liability. The coverage is large and the cost is relatively high.

We can choose according to our actual situation, but we must pay attention to the details and carefully check whether the terms and conditions related to the insurance policy are reasonable. After clarifying the needs, a number of comparison of products in the market, choose the most suitable for their own pets, in the event that they are sick and accidental or disability, can use the insurance for us to reduce the expenses of pet ownership.