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The care of your pet and the material and personal damages it may cause to third parties require appropriate pet insurance.

The latest changes in the Animal Protection, Rights, and Welfare Law require dog owners to have liability insurance. Previously, this was only mandatory for potentially dangerous dogs.

We recommend reviewing the policy with one of our advisors regarding the maximum compensation limits and the amount the insurer requires to be paid by the insured as part of each claim (the deductible).

The following types of animals can be insured:

  • Cats and dogs

  • Exotic animals such as turtles, lizards, or snakes

  • Horses

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  • Liability
  • Accident Insurance
  • Other Coverages

Liability – If the animal escapes or bites someone, this can result in a significant financial cost for the owner. Damages to third parties are covered under the liability coverage.

Accident Insurance

The insurer compensates the owner for expenses incurred if the pet has an accident — such as medication, hospitalization, or surgical procedures — and as a result dies or must be euthanized.

Other coverages include

  • Veterinary consultations

  • Loss of use of a horse

  • Euthanasia

  • Theft or loss of a horse

There are certain requirements for insuring a pet:

  • Regarding the age of the animal

  • Not excluded from the list of insurable animals by the insurer

  • The animal must be identified

  • Applies to certain species not defined as dangerous or poisonous

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