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Find Out If Your Auto Insurance Protects Pets

One of your most beloved family members may not be covered, if he is injured in a car crash. Many drivers may not realize their auto insurance policy doesn’t cover their furry, four-legged passengers. So, if your pet is injured in an accident, your car insurance may not help you pay costly veterinarian bills. However, many of the nation’s leading auto insurance providers now offer coverage for pets injured in an accident at no extra cost to the policyholder. If you want to protect your family’s best friend, find out which insurance companies provide coverage for pets before you apply for auto insurance quotes.

does auto insurance cover petsPet coverage

Some insurance companies provide pet protection as part of your auto insurance collision coverage. Collision insurance pays for damage to your car and some personal belongings, such as luggage, if you are in an accident. (Many drivers of older cars opt to drop collision insurance to save money on their premiums.) Coverage will depend on the insurance company’s policy. Some will reimburse you for as much as $1,000 to pay for vet bills and medications. Before you obtain auto insurance quotes, find out which insurers offer car insurance that cover pets.

Policy limitations

Many insurance companies will only cover dogs and cats, not ferrets, iguanas or other exotic animals. If the accident is your fault, your policy may not cover your pet’s veterinarian expenses. And if you’re not at fault, the other driver’s insurance may be responsible for paying for your pet’s bills. (A few insurers will provide vet bill coverage regardless of who is found at fault for the accident.) Insurers also typically place caps on how much they will cover. Lastly, find out what kind of coverage is available, if your pet is killed in an accident. After you get auto insurance quotes, check the policies for limitations on pet coverage.

Property damage

Even if your insurance policy doesn’t specifically cover your pets, you still may be able to file a claim under property damage. However, what insurers consider property damage depends on the insurance provider and the state where you live. Check with your insurance company to find out if your current policy will cover your pet’s care in case of a car accident.

Many insurance companies now offer pet insurance to cover veterinarian bills and medicine expenses, if your animal gets sick or injured. Remember your auto insurance coverage for your pet is not the same as pet insurance. An auto insurance policy will only cover the cost of treating injuries incurred in an automobile accident.

After you have found out more about the coverage you need, you are ready to obtain a quote for auto insurance. You can call agents in your local area, contact insurance companies directly or use to instantly get competitive auto insurance quotes from the nation’s leading insurance providers. Simply fill out an online form on to find the right insurance coverage at the best possible price. Take the time to protect you, your family — and pet — today.

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