{"id":20101,"date":"2025-08-19T14:12:15","date_gmt":"2025-08-19T18:12:15","guid":{"rendered":"https:\/\/www.groupevezina.com\/?p=20101"},"modified":"2025-10-27T09:46:58","modified_gmt":"2025-10-27T13:46:58","slug":"understanding-animals-and-insurance","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/understanding-animals-and-insurance\/","title":{"rendered":"Understanding Animals and Insurance: The Key to Better Protection"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20101\" class=\"elementor elementor-20101 elementor-20100\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a4ae91b e-flex e-con-boxed e-con e-parent\" data-id=\"1a4ae91b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c50ce7f elementor-widget elementor-widget-text-editor\" data-id=\"4c50ce7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Pet Damage Insurance \ud83d\udc3e<\/h4><p>Our four-legged friends bring us so much joy, but they can also sometimes cause minor\u2014or even major\u2014damage. Fortunately, your home insurance protects you if your pet damages other people&#8217;s property or causes injury.<\/p><h4><br \/>What if your pet misbehaves?<\/h4><p>What if your dog bites a neighbor, breaks a door, or causes an accident? Does your cat knock over a precious vase at a friend&#8217;s house?<\/p><p>In these cases, your civil liability insurance may cover the costs of property damage or bodily injury. The good news is that this protection follows you everywhere, not just at home!<\/p><h4><br \/>There are some limitations to be aware of<\/h4><p>Certain breeds of dogs considered &#8220;high-risk&#8221; (e.g., pit bulls and Rottweilers) may be excluded or limited.<\/p><p>Damage to your own property, such as a chewed sofa or scratched carpet, is not covered.<\/p><p>Exotic or dangerous animals may also not be accepted.<\/p><h4>What does this mean in practice?<\/h4><p>Your home insurance will cover liability if your dog knocks over and injures a cyclist or if your cat knocks over your neighbor&#8217;s TV. However, it will not cover you if your dog destroys your sofa or if your rare parrot escapes and you request a refund.<br \/>What about pet health insurance?<\/p><p>Some insurance companies also offer coverage for veterinary care (consultations, surgery, medication). It&#8217;s not the same coverage, but it&#8217;s often a good supplement to keep your pets healthy.<\/p><p>\u00a0<\/p><p>Finally, your home insurance protects <strong>you<\/strong> if your pet causes damage to others, but it does not cover damage to your own property&#8230; or the value of your pet itself.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our four-legged friends bring us so much joy, but they can also sometimes cause minor\u2014or even major\u2014damage. <\/p>\n","protected":false},"author":18,"featured_media":20110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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