What does pet insurance cover?

To know exactly what insurance for dogs or other pets covers and how it works, it is necessary to read the contract of the policy that is going to be subscribed to or request specific information about the available pet insurance coverage, since this varies according to the insurer, the selected plan, and type of pet. However, insurance policies usually include the following coverage:

  • Non-contractual civil liability.
  • Telephone legal assistance.
  • Veterinary assistance.
  • Slaughter expense coverage.
  • Dog groomer.
  • Stay in a canine residence if the insured is hospitalized.
  • Compensation for accidental death.
  • Pet funerals.

    What animals can be included in the policy?

    This will depend directly on the insurer with which the pet insurance policy is contracted. At MAPFRE we have plans for dogs and cats. Other insurers offer this service only for dog owners and other insure from dogs and cats to horses and turtles.

    Is it mandatory to take out pet insurance?

    In 2017, the Colombian Police Code established that all people who owned dogs of breeds considered potentially dangerous had to acquire a mandatory non-contractual civil liability policy so that they can respond immediately. for the damage that your pets may cause to third parties, whether they are people, animals, property, public spaces, or the environment.

    However, the Colombian government has not yet regulated the law; This is why owners of potentially dangerous dogs are not required by law to take out this type of insurance yet. However, it is very likely that this regulation will be official in a short time; For this reason, it is advisable to purchase the pet insurance policy in advance and avoid the risk of being sanctioned or fined by the authorities.

    People who want to voluntarily purchase a pet insurance policy should contact their insurer to find out what plans are available. Therefore, you can choose the one that best suits your needs and those of your pet. It is recommended that the policy cover civil liability and, additionally, medical expenses and burial or cremation.


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