Animal owner liability and animal health insurance

The animal is man's best friend. So that you can enjoy your healthy four-legged friend for as long as possible, its insurance should be a high priority. This includes both a pet owner liability insurance and a pet health insurance. Because even with all attentiveness mishaps can happen: Your dog nibbles a piece of furniture at a friend's house or gets a cruciate ligament rupture from romping too wildly in the park.

You enjoy the time with your pelt-nose – we take care of everything else!

An animal enriches life and ideally takes a large and important part of it. If you decide to take a furry nose into your family, however, you also take on the obligation to be liable if a mishap happens. If a person or thing should come to harm because of your animal, the so-called strict liability applies, which means that you are liable for all damages caused by your animal. This includes personal injury, property damage and financial loss.

Depending on the federal state you live in, you are even obliged to take out an animal owner liability insurance. In Berlin, Hamburg, Niedersachsen, Sachsen-Anhalt and Thüringen you have to take out an animal owner liability insurance for every dog and in Baden-Württemberg, Bayern, Brandenburg, Bremen, Hessen, Nordrhein-Westfalen, Rheinland-Pfalz, Saarland, Sachsen, and Schleswig Holstein it is obligatory for dangerous and/or fighting dogs.

Your pet is also part of your family. And just like a child can get sick, your animal companion will need to see a doctor every now and then. While preventive care costs can be budgeted for, emergencies often come as a surprise and treatment costs are not budgeted for. Pet health insurance helps you make sure your pet is always well taken care of without straining your wallet.

A good pet health insurance policy usually covers costs for diagnostics, treatment and surgeries. This way, you can focus on your best friend's health instead of worrying about the financial implications. Some policies even cover preventative exams and vaccinations. Invest in pet health insurance now for the health and well-being of your pet.