THIS IS A TEST ENVIRONMENT.
Description
This insurance covers the liability of the insured or co-insured persons for harm caused to another person by a dog or cat. The insurance also covers harm caused to another person through people to whom the insured entrusted the care of the animal (dog or cat).
The insurance covers situations where your dog or cat causes damage to another person’s health or property, or causes financial loss connected with damage to health or property. For example, if your dog runs away during a walk and causes a traffic accident in which a successful doctor or manager is injured and unable to work for a longer period, the amount of damage can easily reach hundreds of thousands or even millions of crowns. Or a lady visits wearing an expensive luxury coat and your cat decides to “cuddle” with it. It may also happen that your dog bites someone and causes serious injury. We cover all of these and similar situations under liability insurance.
What we cannot reimburse under this insurance are damages caused to borrowed or rented items. We also do not cover damages caused by the insured animal to you or your close relatives, damages arising from hunting rights, any non-material harm, or damages arising during professional activity or preparation for it.
What to do in the event of an insurance claim
The PetExpert team specializes in animal health insurance, while liability insurance usually concerns property or people. That is why we have agreed with ČSOB Insurance that liability claims will be handled directly by their experienced team. However, PetExpert will continue to collect the necessary documents and communicate with you so that everything proceeds quickly and smoothly, as you are used to with us.
If something unfortunate happens, please download the relevant form below, fill it in, and send it to us at pomoc@petexpert.cz. Together with the form, please also provide the required documents according to what happened:
Damage to movable property caused by an animal (e.g. chewed mobile phones): the injured party’s claim, the insured person’s statement, the animal’s document stating the owner, proof of purchase of the mobile phone, repair invoice, or a statement from a professional service center that the item is beyond repair, the relationship between the insured and the injured party to eliminate relevant exclusions, and the injured party’s declaration that the claim has not been submitted to another insurer.
Collision between an animal and a vehicle: the injured party’s claim, the insured person’s statement, the animal’s document stating the owner, the vehicle registration certificate, repair invoice, the relationship between the insured and the injured party to eliminate relevant exclusions, and the injured party’s declaration that the claim has not been submitted to another insurer.
Dog attack on another dog: the injured party’s claim, the insured person’s statement, documents for both dogs stating their owners, documents for the calculation of the loss (treatment costs, veterinary clinic documents), and the relationship between the insured and the injured party to eliminate relevant exclusions.
Dog attack on other animals (chickens, sheep, horses): the injured party’s claim, the insured person’s statement, the dog’s document stating its owner, the attacked animal’s document if available (e.g. a horse), or if there is no document (sheep, chickens), proof of acquisition (purchase) of the attacked animals, or a signed declaration stating the date of acquisition and purchase price, documents for the calculation of the loss (treatment costs, veterinary clinic documents), and the relationship between the insured and the injured party to eliminate relevant exclusions.
Animal attack on a person (child): depending on the nature of the damage, we require basic documents if there is no bodily injury and only damage to property (clothing, footwear), or additional documents such as the injured party’s claim, the insured person’s statement, the animal’s document stating its owner, plus consent to the processing of health data, compensation for psychological harm, pain and suffering, reduced quality of life, and loss of earnings.
