Nearly 900,000 people seek medical attention each year due to dog bites, according to the Centers for Disease Control and Prevention. As a result, in 2014 alone some $32,072 was paid out for claims. That number is up more than 67 percent over the previous decade. To protect yourself from potential suits, dog bite insurance can be purchased to specifically covers claims filed for attacks that require professional medical care.
How Will It Protect Me?
While a homeowner insurance policy may cover some costs, often companies will deny coverage for pet owners, particularly if the canine is considered a high-risk breed. This leaves you open to huge out-of-pocket expenses. With dog bite insurance, you can be protected if your pet injures another person. Policy limits typically range from $25,000 to $300,000, with the latter recommended for large dogs.
Can Anyone Get It?
Insurance is available in nearly every state. Find a policy that will cover all types of canines so you won’t be limited to which kind you can own. When you apply you may be asked to answer specific questions about your animal, such as its size and weight, so you can receive a personalized quote.
Even when an animal is usually friendly, any breed of dog can bite and it will if given enough provocation. Dog bite insurance can protect you from a financial burden if your pet injures someone.