Most of us enjoy taking our pets with us in the car when conditions are right. We all know not to confine an animal in a closed car in hot weather, but if we're going for a ride, it's nice to have Fido ride along with us. Even if Fido isn't a happy traveler, there are times when it's necessary for him to ride along, such as vet visits.
Dogs and cats, of course, should be protected with either a seatbelt, a carrier or a barricade to protect them in case of an accident.
Now there is another protection available to our pets. A few insurance companies have started providing pet coverage if your pet is injured or killed in an auto accident.
We've all seen this annoying young lady in ads for auto insurance. The company she represents, Progressive, was the first to offer the free coverage for pets. Farmers, Auto Owners Insurance and AAA also offer the coverage.
There is no additional cost for the coverage, but there are some restrictions that apply.
* The coverage typically covers only dogs and cats.
* There is usually a cap for amount paid on vet bills.
* There is a payment if the pet dies during the collision.
* In some policies coverage depends on who was at fault.
More and more companies are looking at this type of coverage. We need to be informed consumers and call our agents asking if this coverage is available thru our policies. We need to make it known that this is something we want.
Vet bills can be enormous for injuries suffered in an auto accident. This may not pay the entire bill, but it's certainly a relief to have some help with the bills so we can make the best decisions for the animals we love.
Do any of you have experience with this type of insurance? We'd all like to hear how it works. It's about time the business world started realizing that our pets are family members. They deserve consideration, not as property, but as living beings. This is a start.