Need to go to the vet?  Take your dog to the dog park?  Go to the pet store?  How about a drive on a nice day?  Many of us have all of our family get into the car for that trip somewhere.  Is Your Pet Covered While in Your Car?

Some auto insurance companies in states extend coverage to your pooch or feline while in your car.  Pet injury coverage is a new variety of supplemental auto insurance.   Some auto companies believe that they should be treated as part of the family.  Collision coverage can extend to the owner’s cat or dog.  If a cat or dog is injured in an accident while riding in a vehicle, the insurer will pay up to $500 to help with the veterinary bills and medicine.

This coverage is usually offered with collision coverage and there is no extra charge for having it.  Having pet insurance is like a health insurance program for a  pet.  The way which most plans work is that the owner initially pays the vet bill, and then the insurance company reimburses it.  Even though each plan is different, as some have deductibles or a maximum amount, along with miscellaneous variables.  It is wise to get all of the facts about any type of insurance.  Pet insurance typically covers only dogs and cats riding in the vehicle, and is not available in all states.

If the accident was not the pet owner’s fault, the at-fault drivers insurance will cover the pet under property damage liability coverage.  Under most insurance policies, the pet’s injuries will only be covered if the pet owner was not a fault in the accident.

So…is your pet covered while in your car?

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