Insurace for Dogs Colegio de Veterinarios de Madrid and AVEPA

OPTION  B

1.- Insurance coverage as described in Option A, without exclusion of breeds.

2.- Accidental death of the dog insured. With regard to the extent of this cover, “accidental death” is understood as that arising from a sudden, violent and external cause, unintended by the owner, in which case the insurance will reimburse the value of the dog prior to the accident up to a maximum of 601,01 EUR providing the dog was in good health. 

3.- Theft of the dog insured: should this incident occur, the insurance will reimburse 80% of the value of the dog up to a maximum of 601,01 EUR. 

4.- In the event that the dog insured should go missing or get lost, the insurance will cover expenses of advertising and compensation for its return up to a maximum of 120,20 EUR. 

5.- If, in the event of the dog having gone missing or been lost, it is found and taken to boarding kennels to await location of its owner, this expense will be covered up to a maximum of three days, with a total limit of 60,10 EUR.

6.- In the event of the dog insured suffering an accident, the expenses for veterinary treatment will be covered up to a maximum of 300,00 EUR. Period of lack: 15 days.

EXCLUDED IN THIS OPTION

TOTAL ANNUAL PREMIUM PER DOG 71,10 EUR

OPTION C

1.- Insurance coverage as described in Option A, without exclusion of breeds.

2. - Accidental death of the dog insured. With regard to the extent of this cover, "accidental death" is understood as that arising from a sudden, violent and external cause, unintended by the owner, in which case the insurance will reimburse the value of the dog prior to the accident up to a maximum of 751,27 EUR providing the dog was in good health. 

3.- Theft of the dog insured: should this incident occur, the insurance will reimburse 80% of the value of the dog up to a maximum of 751,27 EUR. 

4.- In the event that the dog insured should go missing or get lost, the insurance will cover expenses of advertising and compensation for its return up to a maximum of 150,25 EUR. 

5.- If, in the event of the dog having gone missing or been lost, it is found and taken to boarding kennels to await location of its owner, this expense will be covered up to a maximum of three days, with a total limit of 60,10 EUR.

6.- In the event of the dog insured suffering an accident, the expenses for veterinary treatment will be covered up to a maximum of 630,00 EUR. Period of lack: 15 days.

EXCLUDED IN THIS OPTION

TOTAL ANNUAL PREMIUM PER DOG 90,43 EUR

OPTION D

Exclusively for dogs under 10 years at the moment of taking out insurance.

1.- The coverages and exclusion described in the guarantees 1, 2, 3, 4 and 5 of the option C more:

2.- Expenses of Veterinary Assistance.
2.a) For accident: if the insured dog has an accident there will be covered the expenses of veterinary treatment up to a maximum of 630 EUR. Without exemption (franchise). Period of lack 15 days.
2.b) For surgical intervention derived from an accident: if the insured dog has an accident that needs(specifies) a surgical intervention practiced by a veterinarian, it (he, she) will have the expenses covered(overcast) (professional honorarium, examinations, anesthesia, medicines and stay in veterinary clinic), up to the maximum limit of 1.000 EUR. Without exemption (franchise). Period of lack 15 days.
2.c) For surgical intervention derived from a disease: if the dog has less than 10 years and suffers a disease that needs(specifies) a surgical intervention practiced by a veterinarian, it (he, she) will have the expenses covered(overcast) (professional honorarium, examinations, anesthesia, medicines and stay in veterinary clinic), up to the maximum limit of 1.000 Euros. There will be applied an exemption (franchise) of 15 % of the total amount of the expenses and a term of lack of 90 days.
When the dog overcomes 10 years, it will be possible renew the policy applying a new premium (cousin) and presenting a veterinary examination of the same one.

Excluded risks: there remain excluded those disasters that do not adjust to the established definitions and, in I make concrete:
· Any surgical intervention destined to correct or suppress anatomical faults, or operations realized by decision of clinic (example: court (cut) of ears or tail).
· The resultant injuries of ill-treatment or the lack (mistake) of taken care attributable to the owner or to the persons that they live under his (her, your) roof.
· Any intervention that is not practiced by a collegiate veterinarian.
· The expenses caused by wars, riots, etc.
· The expenses not tied directly to a surgical intervention or to a hospitalization.
· The expenses of vaccination and mouth cleanliness.
· The expenses related to some process previous to the subscription of the policy.
· The expenses relative to the needs for the sacrifice of the animal, except in cases of accident or incurable disease.
· The expenses of castration, sterilization...except therapeutic indication.

3.- Expenses in canine residence.
There remain covered (overcast) the expenses of the dog which the owner incurs, when the insured / insured one or his (her, your) spouse are hospitalized of urgency because of a disease or accident, and it (he, she) was necessary to use canine residence for his (her, your) dog up to a limit of 150 EUR for disaster. 

4.- Sacrifice and elimination of the corpse.
The expenses remain covered (overcast) for sacrifice or elimination of the corpse, when the veterinarian determines it, as consequence of an accident or incurable disease up to a limit of 100 Euros. 

TOTAL ANNUAL PREMIUM PER DOG 228,92 EUR