What Is Pet Coverage On An Auto Insurance Plan?

Does your dog travel with you in your car just about everywhere you go? Do you view this animal as a true family member? If so, you might want to consider looking into an auto insurance plan that offers pet coverage. This is not a common type of coverage you will find with all insurance companies, but it is something that you can find with certain companies. It is also a type of insurance that could be highly beneficial for you. 

What is the purpose of pet coverage?

Pet insurance has one key purpose, which is to make sure that your pets are protected if they are injured or killed in a car crash. Normally, if a pet gets injured during an accident, insurance companies will disregard providing coverage for the injuries to the pet. Insurance companies do not generally cover pet injuries simply because pets are animals and not people, and most insurance policies do not have provisions to cover animals. There are companies, though, that sell pet insurance endorsements, which means you can get protection for your pets through your auto insurance policy.

What does it cover?

Every policy is different, but most insurance companies that provide pet insurance coverage offer several different things with this coverage. The first is that they will compensate pet owners for pet injuries. Typically, a pet insurance policy will have limits on it which control the amount you can receive for the injuries your pet experienced. Secondly, a pet insurance policy might offer compensation for the death of a pet, and this, too, will generally have a maximum amount of coverage.

Would your regular policy cover these things?

If you are wondering if you really need this coverage or not, you might want to call your current auto insurance agent to find out if your existing policy covers pet injuries. When you make this call, you will probably find out that your policy does not offer this type of coverage or compensation. Therefore, if your pet is like a family member and you want to make sure you have protection for it, then you might want to add pet insurance coverage to your auto policy.

If you care a lot about your pet and if it travels with you often, this might be something you should look into. If you have questions about this or other types of coverages, talk to an auto insurance agent like one at Budget Insurance Offices Inc.