# Pet Insurance **URL:** \ **Category:** Insurance\ **Created:** [September 19, 2020, 11:19am UTC](https://howtodiscuss.com/t/pet-insurance/16856 "2020-09-19T11:19:58Z")\ **Posts on this page:** 1\ **Showing post:** 1
**Author:** ![Ephraim](https://howtodiscuss.com/user_avatar/howtodiscuss.com/ephraim/32/3577_2.png) [@Ephraim](https://howtodiscuss.com/u/Ephraim)\ **Post date:** [September 19, 2020, 11:19am UTC](https://howtodiscuss.com/t/pet-insurance/16856/1 "2020-09-19T11:19:58Z")
# PET INSURANCE We humans protect ourselves with various types of insurance against very different risks, such as treatment costs as a result of illness. Insurance cover is also useful for our pets. In some cases, pet insurance is even required by law. In this article you will find out what types of pet insurance there are, when they make sense and what regulations the legislature has with regard to pet insurance. ## Benefits of pet insurance 1. Cost coverage for outpatient and inpatient treatments 2. No age limit in the insurance period 3. Valid worldwide ## What pet insurance is there? The selection of different pet insurance is of course much more manageable than with insurance for people. You can take out health insurance and liability insurance for your pet. At least the latter is only required for certain animal species. ## The pet owner liability According to the law, you as the owner are responsible for any damage caused to your pet. This applies to your rabbit as well as to your dog. It also makes no difference whether a person has been harmed or whether property damage has just occurred. In any case, you have to pay all costs in full. In the case of personal injury, in particular, sums of money can arise that mean financial ruin for you. For this reason, I strongly recommend that you as a pet owner protect yourself with an appropriate liability insurance. For this purpose, no separate pet insurance is required for small animals and cats. Because possible damage is usually covered by your own personal liability. For dogs and horses, on the other hand, you need separate pet owner liability. ## Liability insurance for dogs Dogs cause damage in the form of bite injuries to other animals as well as property and personal injury particularly often. The latter in particular are usually particularly expensive. As a dog owner, you should therefore take out dog liability insurance. ## Liability insurance for horses There is no legal obligation to take out horse liability insurance. Nevertheless, responsible horse owners should not do without this form of animal insurance. After all, horses can easily cause great damage simply because of their size and strength. With horse liability insurance, you have the option of protecting yourself against the financial consequences of damage caused by the horse. ## Health insurance for pets Like you, your pet can get sick or injured. Special health insurance is therefore a sensible pet insurance in any case, which is urgently recommended for at least some animal species. In general, animal health insurance can be divided into two different forms. A so-called OP insurance primarily only covers costs that are incurred due to a necessary surgical intervention. A comprehensive animal health insurance, however, also pays for normal treatments and medication. ## The surgery insurance for pets Surgery is usually one of the most expensive treatments a veterinarian can give your pet. This applies particularly to horses. In dogs, surgery is usually associated with high veterinary bills. With a dog insurance, the costs are covered so that you do not have to worry about the financial consequences of the treatment. But also for other pets such as cats or rabbits, an operating theater insurance can represent a sensible protection, which at some point may even save you the decision between surgery and euthanasia. ## The comprehensive health insurance for pets While the primary purpose of operating theater insurance is to protect you from the costs of surgical interventions, comprehensive health insurance for pets offers extensive insurance coverage. Similar to your own health insurance, such a pet insurance covers a large part of the health costs incurred. This includes, for example, medication, examinations, advice and treatments. ## Which animal health insurance to choose The veterinary costs that you should expect are not to be underestimated. A pet insurance in the form of an operating theater insurance or a comprehensive health insurance is therefore basically indispensable. You should at least take out surgery insurance. In the case of horses and dogs in particular, the costs of an operation are usually difficult to manage for normal earners. But comprehensive health insurance can also be worthwhile. It is true that the premiums for such pet insurance are slightly higher. However, you benefit from numerous additional services. ## Conclusion on pet insurance: Voluntary but important, pet insurance gives you the opportunity to cover yourself against the financial consequences of illness or injury, as well as damage caused to your pet. The premiums are usually manageable and should not cause any major problems for most pet owners. Although pet insurance, with the exception of dog liability insurance, is voluntary in some places, I therefore do not recommend that you do without it. After all, the right pet insurance can save you from major financial difficulties in the worst case. --- _[View the full topic](https://howtodiscuss.com/t/pet-insurance/16856)._