Advice associating with animal insurance coverage is the focus of this month’s column from Sara Barnes, of Grantham’s Who Lets Your Dog Out?. She composes:
With much of us beginning to eagerly anticipate escaping either for a late Easter break or summertime vacation, take a while to inspect what your travel and animal care insurance coverage will cover in relation to look after your family pets.
Having examined this myself just recently, I was interested to discover that lots of travel insurance provider will not cover the cost of your animal care must your vacation get cancelled and you lose your deposit.I just handled to discover a couple that would cover this, however it was an extra add-on that needed to be asked for – it was not part of the basic cover. Most wouldn’t even cover this at all.
So what, you may believe, I have pet insurance coverage! Again, having actually talked to numerous animal insurance provider; they would just pay for cancelled animal accommodation, if the factor for the cancellation was connected to the dog’s health and, in lots of circumstances, they would not cover you unless the dog was because of be taking a trip with you too.
You may want to argue that the animal care provider, I’m thinking here home boarder or kennels, should return your deposit. In many instances these are non-refundable. The reason for this being these establishments have limited numbers that they can accommodate, and if they were to return every deposit every time a holiday got cancelled, they would not be able to afford to operate and therefore would not be there for customers and future customers to use when they go on holiday.
mpu1
Depending on the circumstances, some may refund part of the deposit if they manage to fill the spaces or may depending on the circumstances carry over to a future booking. This is at the discretion of the pet care provider, and what it states in their terms and conditions.
So why am I writing an article on this? Simply I want to highlight where there appears to be a gap in most pet owners insurance coverage cover when it comes to cancelled holidays and the recovery of the costs of any pet care lost due to the cancellation.
It might also be worth for most people, checking what is the holiday or travel insurance will cover should they get delayed returning from their holiday either due to strikes, cancelled flights, Covid, or any other number of natural or man-made disasters.
A quick call to both insurance business (travel/holiday and animal) must clarify where you stand moving forward.
