Posts Tagged ‘pet insurance’

Friday Filmstrips: A look at Pet Insurance

May 6th, 2011 by | Comments Off | Filed in advice and how-tos, friday filmstrips, pet insurance

As much as many of us consider them so, our pets are not actually our children, and as such their medical expenses are not deductible. Unfortunately, some animals have expensive medical needs, even so. Certain large breed dogs are prone to hip issues, for example, while some small breeds are more likely to get seizures.

Even for pets without hereditary diseases, the owner’s first question when seeking treatment for an accident or injury is not, “What can you do for my animal?” but “how much will this cost?”

One answer is to get pet insurance, and this video takes a look at four different pet insurance plans:

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Friday Filmstrips: Pet Insurance

March 11th, 2011 by | Comments Off | Filed in auto insurance, friday filmstrips, pet insurance

Progressive’s Pet Insurance has existed for over a year now. Here’s one of their earlier commercials mentioning it:

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Progressive Adds Pet Coverage to Commercial Auto

March 9th, 2011 by | Comments Off | Filed in auto insurance, pet insurance

Thanks to Progressive, “Take Your Dog to Work Day” just got a little safer.

Progressive Insurance, the first company to include specific pet coverage for animals traveling in their owners’ vehicles, has extended their pet insurance coverage. Now, business owners with auto insurance from Progressive can have their pets protected as well.

Under their Pet Injury coverage, Progressive will pay up to $1,000 in vet bills if a dog or cat is injured in a car accident. The coverage is free with collision coverage, and applies to cats and dogs traveling in a vehicle and injured in a crash, theft, flooding, or a fire.

Why extend this to business customers?

Cory Fischer, Progressive’s product manager, explains: “With one in five companies allowing dogs at work, Fido or Fluffy are more likely to tag along in our commercial customers’ vehicles.”

Progressive’s Pet Injury coverage is also available with RV and boat insurance customers.

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California Assembly Advocates Pet Insurance Reform

August 24th, 2010 by | Comments Off | Filed in insurance facts, insurance news, insurance specialists, pet insurance

You can’t declare them as dependents or write off their expenses, but to many of us, our pets really are part of the family, and many of us spend hundreds of dollars a year on pet insurance, just in case a major veterinary event occurs.

Now, California Democratic Assemblyman Dave Jones has taken inspiration from national health care reform, and sponsored AB2411, a bill that would improve veterinary pet insurance for animals in the Golden State by requiring more, and more detailed, information from pet insurers about the level of care covered by their insurance plans. Originally, Jones wanted the creation of a separate section of the state insurance code just for pet insurance, but that concept was removed from the final bill.

The measure would require that pet insurance companies disclose on their websites any policies that limit coverage.

The bill was approved by the state Assembly in a 42-22 vote, and has been sent to the governor for his review.

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Dog Bite Claims Escalate Over 2008

August 18th, 2010 by | Comments Off | Filed in homeowners insurance, pet insurance

According to data compiled by the Insurance Information Institute, dog bites accounted for more than a third of all liability claims by homeowners in 2009 and incidents were up 6.4% over 2008 for a whopping total of $412 million. The average cost of a dog bite claim ran $24,840 in 2009 over the $24,461 paid in 2008. Since 2003, the cost of these claims has spiked 30%.

In a statement, the vice president of I.I.I., Loretta Worters, said, “The rise in dog bite claims over the last seven years (2003-2009) can be attributed to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which have risen well above the rate of inflation in recent years.”

The Centers for Disease Control and Prevention estimate that every year, 4.7 million people in the U.S. are bitten by dogs; 16 fatally. About half of those bitten are children who will require medical care. About 50% of the total number of bites take place on the dog owner’s property — that last bit alone is a source of major concern to insurers.

Dog bite laws vary from state to state. In some, the owner is automatically held liable, while others give the animal a pass on the first incident with liability and a label of “vicious propensity” attached to second occurrences. There are also laws pertaining to potential negligence on the owner’s part in controlling the dog.

Although you know your pet’s personality, the best course of action, especially in large group settings, like a social gathering or party, is to keep the dog away from your guests — especially children. A single dog bite claim will raise your homeowners premiums unless you get rid of the animal, which few families are willing to do. Don’t try to predict your dog’s emotional reaction to any person or any siltation. Err on the side of caution for both your sakes.

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Two Cities in Mississippi Make Insurance Mandatory for Pit Bull Owners

July 28th, 2010 by | Comments Off | Filed in homeowners insurance, insurance news, pet insurance

Two cities in Mississippi have enacted legislation making it mandatory for owners of pit bull dogs to have insurance.

In Brandon, owners of pit bulls have two months to obtain necessary permits, and will be required to have liability insurance and special pens for the dogs. Flowood residents, on the other hand, have only one month to obtain their permits.

The local paper, the Clarion Ledger is reporting that leaders in both cities were unanimous in their adoption of regulations of pit bull dogs and similar breeds last week.

Under the new regulations, pit bull owners must have a pen of at least 100 square feet, with a roof, a concrete floor, and a chain link fence at least six feet tall. Those residing in Brandon must have their pens in a fenced back yard. In addition, owners must have at least $100,000 of liability insurance.

Violators of the new regulations can be fined up to $1,000 and jailed for up to three months.

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Pet Insurance Reform?

June 2nd, 2010 by admin | Comments Off | Filed in insurance news, insurance specialists

Pet lovers will be pleased to hear about a new bill that just passed the California State Assembly.

The bill which was sponsored by Dave Jones (D-Sacramento), would require pet health insurers to disclose – on the main pages of their websites – any policy that limits coverage. In addition, insurers would also have to state explicitly whether they deny coverage based on pre-existing conditions.

Originally, the bill was written with a provision prohibiting pet insurers from denying coverage to animals with pre-existing conditions, but it was subsequently removed.

AB2411 passed the Assembly on a 43-16 vote and now moves to the Senate.

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