Insurances?

[TPs flat rock acres]

When I bought my boy 4 yrs ago I was required to get insurance I guess for the safty of him. I did get it through my home owners. I have a few people that want dogs over seas. Do you require insurance for horses going over seas and if so how do the people get them covered is there a special insurance complany? thanks

 

[mshasta88]

This is a great question! I would also like to know.

 

[StarRidgeAcres]

Are you asking about coverage for their travel over to their new owner? If so, they would be paid in full at that point and you would no longer be the beneficiary anyway. The new owner would get that coverage. Or am I misunderstanding your question? As for the buyer getting insurance, they can work with the quarantine company to provide them with agencies if they don't know of any.

 

[TPs flat rock acres]

I have someone who paid me in full for a dog over a year ago. I was thinking since he is still in my care they shoudl probably have insurance on him.? I have people intersted in getting puppies from me and to be shipped. If they pay for the puppy in full should they not think about getting insurance? Does anyone know of a company they contact?

 

[Jill]

Is the monetary value of the digs or puppies substantial to the point of insurance making financial sense?

 

[TPs flat rock acres]

Well what value would be worth it over $1000.00?

 

[Jill]

I'm not really sure how it works for dogs, but I know with the horses, the insurance companies I've used have minimum dollar amounts per covered horse. I think some may go as low as $5,000 on an individual policy. It might be hard for a company to justify the administrative expense of writing a policy below a certain dollar value?

Also, I point this out on horse insurance threads and it might be useful here -- if you are insuring for mortality and do not insure for major medical, if a medical proceedure may have saved the horse's life but you couldn't afford it or opted not to pay and have it done, the policy will NOT pay off. No matter the cost of the proceedure. You don't get to choose the death benefit "instead" of a cash outlay for treatment regardless of the costs. I do cover ours for both the major medical and mortality. I think it's approximately $500/year per horse (average, as they are insured for different dollar values on the mortality side of it).

Hope this may help.

 

[Jill]

Or are you talking about vetrinary care insurance?

Do you want them covered if they need expensive vet treatment?

Or are you looking for them to have "life insurance"?

Or both?

 

[TPs flat rock acres]

Well I will tell you my situation

I show and breed Akitas. I have been getting more people overseas that wont puppies but if they do get a puppy it has to stay with me for a certin amount of time. In that time frame if something was to happen to the puppy whether it be medical or if the dog was to die from something I do not want to be out as I did this only as a favor for the party interested in buying the dog. Also I am sure they don't want to be out the money they paid for the dog so wasn't sure if there was an insurance that they could get until the dog was in there care. Not sure if that makes better sense. I have 2 dogs going over to hawaii they have to stay with me for 120 days after they have had a titer rabies test. Well inthat time if something would ever happen to them i for sure do not want to be out where I have to give them their money back and I am sure they feel the same. just wanted thoughts on this as I have heard before of horse people doing it and actually when I bought my boy several years ago I was required to do so.

 

[StarRidgeAcres]

It's up to you and whatever company you can find, but my guess is that for that dollar amount, you won't find it beneficial or financially a sound decision. My experience, with horse insurance, not dog, is the same as Jill's. Pretty much, a value under 4 or 5k and they don't want the overhead of maintaining a policy. I only insure two horses currently and my insurance bill was $1300 this year. Maybe dogs is different? My friend breeds and sells (sometimes) Havanese. She owned Buster (probably best know male Havanese in the last 10 or so years) until he death last year. Her pups sell from $2500 to $5k, but I don't recall her ever talking about insurance, even for her overseas clients. Maybe it's just a different mindset in dogs. Good luck in your search and maybe come back and tell us what you find. we'll all learn something!

 

[Carolyn R]

I may be totally off base, but our local small animal vet that sees our dogs and cat has forms from different companies right in their office if one is interested in insuring their pet. I believe they insure for Unexpected illness, injury and you can even opt for mortality. I would try contacting your small animal vet or small animal hospital for companies they may recommend.

As far as mini's, I have purchased on payments when I had some of my broodmares. Any horse that left the property and I still owed I insured and listed the breeder/seller as beneficiary until paid in full. The gypsy vanners I purchased have both been insured almost immediately upon signing the contract. I assumed responsibility even if they did not leave the sellers care. I would think that this is only fair if you are the seller of a dog or puppy. I would think that beyond any period of a health gaurantee, the dog is then the buyer's responsibility. They can choose to purchase insurance or choose to pass, but they should be responsible for any injury or illness beyond the gaurantee period.