I pay thousands of dollars each year for homeowner’s, medical, and (rental) car insurance. And I never make a claim.
If I really wanted protection, I’d get dog insurance.
Dog Insurance I Need
I know we don’t get insurance hoping that something bad will happen to us so we can get paid. It’s a way to manage risk.
But I think the following dog events are much more risky (and likely to happen) than a fire or medical bills that cost more than our $11,000 deductible.
I need dog insurance with the following coverage:
If my dog Honey walks off with a friendly stranger with hamburgers in his pocket, I need coverage to pay for enough liverwurst to lure her back.
To pay for lawsuits from night owl neighbors who don’t understand why Honey needs to dance around the yard at 5:00 a.m. with a squeaky toy in her mouth.
Choking Hazard Policy
If the vacuum broke, we might die from breathing the golden tumbleweeds that lurk in every corner.
Cuteness Overload Coverage
Over the years, we’ve built up a resistance. But I worry that one of the visitors who says upon meeting Honey, “Oh my dog, she’s so cute I’m just going to die!” will actually do it.
It would be nice to at least be able to pay for the funeral.
Head Injury Protection
One of these days when Honey rolls over in bed, she’s going to push me right off the edge. I’d like to know my concussion will be covered.
Taunting Squirrel Coverage
I bet those squirrels wouldn’t be so cheeky on our walks if I had insurance to cover my injuries when they lure Honey into a chase.
Blog Inspiration Policy
How about protection in case my brain stops working or Honey becomes less cute or more boring?
Nah, we won’t need that one.
Your Turn: Do you need dog insurance? What policy would you take out to protect yourself from risk?