How to insure the animals?

According to the Russian Civil Code, all animals are considered property. This fact is probably hard to accept some dog and cat lovers who consider their pets almost family. Nevertheless, many pets are of value for the people: for some spiritual, for others - the material. To protect the fauna of the risks, the system of insurance of animals. In Russia, this species is not as popular as car insurance, but low demand still enjoys. It is necessary to bear in mind that companies are willing to insure not every animal. Often we can talk only about the protection of livestock. The fact that market participants to obtain more profitable large order, ie, to insure a herd of cows than a few parrots and dogs. Who can be insured? A number of companies willing to insure the goats, pigs, horses, camels, rabbits, fish, and valuable fur-bearing animals. In most cases, will be denied insurance and little-studied exotic animals and wild animals and purebred cats / dogs. However, under the law, you are entitled to insure any animal. This means that no one will be able to prevent insurance elephant or a crocodile. Features have insurance animal has its own nuances. Prior to receiving the individual policy must be assessed and a specialist, which aims to ensure that it is healthy. Experts often limit the age of animals: it should be no less than three months and not more than a few years (depending on the species). Insure only individuals who were born or old will not work. When it comes to dogs, then they must have a pedigree. In some cases, animals must be vaccinated. The issue with pregnant animals decided individually. The amount of insurance payment will be determined by the market value of an animal or based on the price of its meat / fur. What to insure? All pets can be insured against various diseases (including epidemics), fire, destruction, theft, accidents, natural disasters and forced the slaughter. You can also insure the civil liability of the host animal. Thus, if the dog bites a man on the street, the financial compensation it would pay an insurance company.