Pet insurance - DeKok Insurance Group, Inc.

Some of you know we have two dogs – Sophie and Tucker. Joy would tell you we love our dogs and the truth is – we do.

Many of us travel with our pets, even if it’s just to the grocery store or the gas station. Have you ever wondered what would happen if you had an accident and your pet or pets were in the car with you? Several of the companies I represent have different levels of coverage for injured pets. Since my focus this week is on Progressive, I thought I’d share this with you. It’s taken directly from their website.

Pets are family, too!

You take them to the park, to the groomer’s, and out for joyrides…we’re talking about your pets. And we think they should be covered by your auto insurance policy.

That’s why Progressive was the first to offer Pet Injury coverage and is now happy to offer up to $1000 worth of coverage for your dog or cat if they’re injured when you’re in a car, RV, boat, PWC, or commercial auto accident or during a car, RV, boat, PWC, or commercial auto fire or theft.

And, it’s free. Progressive’s Pet Injury coverage is automatically included with your Comprehensive and Collision coverage on your boat, PWC, or RV policy, and with your Collision coverage on your auto or commercial auto policy.*

How Pet Injury Coverage Works

It couldn’t be easier because you don’t have to do or pay anything. It’s absolutely free. You just need to have Collision coverage for at least one vehicle on your auto or commercial auto policy. For RV, boat and PWC policies, you need to have Comprehensive and Collision coverage for at least one vehicle on the policy.

Pet Injury coverage pays up to $1000 toward veterinary bills if your dog or cat is injured when you’re in a car accident. We also cover them for Comprehensive claims, such as vehicle theft or a fire. In the unfortunate event that your pet dies as a result of injuries sustained in your Collision or Comprehensive claim, we provide a $1000 death benefit.

Coverage also extends to a cat or dog owned by a relative who lives with you.

Auto insurance for your pet — now that’s Progressive!

NOTE: Pet coverage insurance is NOT Pet Insurance and does not cover your pet health care.

If you have questions on your insurance, call me at 507-226-8121 or email me at dekoksingroup@gmail.com

Jon

Joy and I are proudly owned by a brother and sister team of dogs. In the past, we have loved and lived with big dogs. Our last friend, Bandit, weighed in at 130lbs. It took us four years to recover from losing him although we still miss him.

Joy waited and then became determined it was time and she suggested we try consider a small dog this time around. On the way out the door she noticed me slide my checkbook into my pocket. For some reason, she decided getting a dog was no longer an option, but a done deal.

At the breeder, Joy watched as two pups seemed to “talk” something over nose to nose. In unison they walked over to me and gently latched on – one took my finger and the other the cuff of my shirt. Then, they just sat and looked at me. I thought they were cute, but so were the others.

Joy asked the breeder, “How much for two?” I told her she could only have one. She said, “Okay. You pick which one of those two we’re taking home.” I wrote a check for both of them. By the time we got in the car they had names. Sophie and Tucker.

We’re responsible pet owners who love their dogs. We were picky about finding just the right veterinarian, pay to have them groomed, and buy them the “good” dog food. Tucker has a problem with his pancreas and Sophie struggles with serious allergies. Their care can get expensive.

So – do we have Pet Insurance?

No. (although Progressive and some other carriers now cover pets injured in accidents as part of their regular policies)

You might be wondering why I’d admit that. Well, although I make a living as an independent agent, I’m not only in it for the money. Serving my clients is as important as commissions. And, like you, I’m a consumer of insurance. I don’t want to pay too much either. We have not purchased medical or any other kind of pet coverage for the dogs we love because so far, it’s too expensive.

Am I opposed to Pet Insurance? No. If I could find a reasonable policy, I might consider purchasing coverage for them and I’d offer it to my clients as an option.

Many homeowners policies cover your liability as a pet owner. Whoever your insurance is with, call them soon and make sure you understand this coverage.

Jon

dekokinsgroup@gmail.com

507-226-8121