Should Your Car Insurance Cover Your Pets? | Your pet is your best friend, and you want to make sure they’re kept just as safe as you. Your car may be your way of getting to work and out for fun, and you want to make sure you’re able to safely drive on the road. Both your pet and your car have insurance options available for yours and their protection, but do the two overlap? Check your car insurance quote to be sure.
Car Insurance and Pets
When doing a car insurance compare, you’re looking for the right coverage through an auto insurer that offers an affordable monthly premium, reasonable deductibles, and the right amount of protection for your driving habits. However, if you’re a cat or dog owner, you may be wondering if that car insurance policy covers your buddy in the back seat. Comprehensive coverage provides an extensive level of protection that will cover the cost of repairs brought on by accidental or malicious damage, theft, fire, hail, and even third-party damage. This type of coverage also comes with extras that may raise your car insurance rate, but will assure your pet’s protection in the event of a car accident.
Some pet injury policies fall under the umbrella of auto insurance coverage, offering limits for pets injured or killed in a crash or another covered loss. Insurance companies may offer to cover medical treatments or even cover boarding for pets. These insurers may require certain restraints, like a dog seatbelt, for your pet if they are usually accompanying you on the road. Car harnesses and seat belts are available to make sure your four-legged friend is fastened in, giving you some peace of mind when it comes to pet safety.
Protecting your Pet
Beyond your auto insurance policy, it’s best to have pet safety measures for those furry passengers. A crate is good for travel, but not by vehicle. Check the market for the best dog seatbelt that keeps your pup in the back seat and away from the center console while you drive. A dog seat belt attaches to your vehicle’s safety belt, with dog harnesses that can keep a larger dog safely in space. It’s important to remember that these seat belts should never be placed on a collar or leash, as it creates a potential choking hazard for a pet. Utilize with a harness only.
In the case of smaller dogs and pets, car seats are actually mentioned by some experts along with a safety harness. These harnesses are not only a great option for safety, but they are hassle-free and require minimal time to install for any car ride. These belts are made of high-quality nylon fabric that holds your pet safely and doesn’t sacrifice their comfort. The seat belt attaches to this harness and comes in a variety of colors that may best suit your furry friend, whether you have a small dog or a large dog.
Additional Pet Coverage
Beyond extra limits that could be provided in an auto policy, injury coverage for your pet is a worthwhile investment. There are usually three insurance options in a set of coverages for your canine or other pets. Accident-only plans come at cheaper rates, covering medication and hospitalization if your pet is injured during a wreck. According to the National Association of Insurance Commissioners, this is often expanded to accident and illness plans, dealing with ailments as severe as cancer, along with hereditary and congenital conditions.
The average insurance rate will depend on your pet’s age and medical history, and could even be impacted by your credit history. These important factors may see average insurance rates increase over time, even if you start with the cheapest rate available. As pet owners, it’s important to evaluate all of the available insurance providers for policies that are the best deal, and cover a litany of the medical bills that may come for your pup after an accident.