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09/14/09

Does your pet insurance protect your pet in natural disasters?
Melissa Kowalchuk

With the recent Southern California fires and hurricane season looming, I thought it might be important to touch on how pet insurance works in the case of a natural disaster. As you might expect, when a natural disaster hits, hundreds to thousands of pets get hurt, go missing for days, or…ok, I’m not even going to say it.

While there are tons of animal welfare organizations who quickly respond to these events, they’re all still limited on funds, resources, etc.

On top of worrying about your own (people) family’s health and wellbeing, you are, no doubt, also worried about your (pets) family’s health and wellbeing. It’s no surprise that injuries and illnesses (to pets and people alike) increase during a natural disaster. On top of harm from the disaster itself, comes along stress, anxiety and often depression (again, to both pets and people).

You would naturally assume that your own human health insurance would get you taken care of (and you’re most likely right). But, what about your pets? You walk into your vet and see that it’s overloaded with sick and injured pets. Yikes. So then maybe you travel a ways to visit and stay with your favorite aunt, who is far from harm’s way.

There you take your sick or injured pet to the nearest vet and breathe a sigh of relief when they tell you they can take care of and fix up your favorite furry friend. After diagnosis, they tell you that the bill will reach somewhere around $2,000. Again, you breathe a sigh of relief because you have pet insurance.

But should you really be so relaxed?

What many people fail to do is read their policy to its entirety. Unfortunately, many companies DO NOT cover pets in the event of a natural disaster! Doesn’t seem fair, does it? And sadly, most people don’t figure this out until it’s way too late; when they’ve just been uprooted from their home, are trying to hold their family together, and just want to fix their pup or kitty!

If you’re curious, this exclusion clause is usually hidden way deep down in the section about nuclear attack or war (where most pet insurance companies also will not cover any loss). Of course most of us assume (hope) that neither of those things will ever happen. But natural disasters do!

So I would recommend that if you’re concerned about such a clause, check with your pet insurance provider to ensure that you would be covered. As an FYI, for those of you covered with Trupanion we DO cover pets in the case of natural disasters :)

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