En otras partes del mundo las pólizas dedicadas a las mascotas están muy expandidas, y Argentina hace un tiempo que se sumó a esa tendencia. Ahora en 2022 en caso de robo o desaparición de una mascota, la mayoría de los seguros contemplan una indemnización y la compañía corre con los gastos correspondientes, lo que incluye hasta insertar anuncios en la prensa para buscarlo.
Varias empresas venían ofreciendo la cobertura de mascotas como un adicional de los seguros para el hogar. Pero desde hace un tiempo la oferta se está segmentando con la aparición de seguros específicos para perros y gatos.
Las coberturas que ofrecen las compañías y/o los bancos puede ser bastante variada, pero en líneas generales apuntan a cubrir algunos aspectos puntuales.
En otras partes del mundo las pólizas dedicadas a las mascotas están muy expandidas, y Argentina hace un tiempo que se sumó a esa tendencia. Ahora en 2022 en caso de robo o desaparición de una mascota, la mayoría de los seguros contemplan una indemnización y la compañía corre con los gastos correspondientes, lo que incluye hasta insertar anuncios en la prensa para buscarlo.
Varias empresas venían ofreciendo la cobertura de mascotas como un adicional de los seguros para el hogar. Pero desde hace un tiempo la oferta se está segmentando con la aparición de seguros específicos para perros y gatos.
Las coberturas que ofrecen las compañías y/o los bancos puede ser bastante variada, pero en líneas generales apuntan a cubrir algunos aspectos puntuales.
Gastos de asistencia veterinaria por accidente. Con esta cobertura se indemnizan los gastos de asistencia veterinaria, a causa de un accidente que padeciera el animal asegurado. Tales gastos comprenden: Exploraciones iniciales, radiografías, análisis, electrocardiogramas, ecografías, intervenciones quirúrgicas o de otro tipo, anestesia, material quirúrgico, medicamentos y prótesis, cuidados postoperatorios, curas y estadía en clínica, cuando fuera necesario.
Robo: la indemnización será del valor de un cachorro de la raza del animal asegurado (con límite de la suma asegurada establecida).
Extravío: en caso de pérdida del animal por descuido del asegurado o persona encargada de su custodia (paseadores, residencias o personas a cargo del animal), se cubrirán los gastos relacionados con su búsqueda. Por ejemplo, insertar anuncios en la prensa o radio local.
Estadía en residencia para animales: esta cobertura se otorga exclusivamente si el dueño de la mascota es hospitalizado.
Sacrificio necesario y eliminación del cadáver: se indemniza el accionar realizado por el veterinario para poner fin a un sufrimiento irreversible del animal, como consecuencia de un accidente, vejez o enfermedad.
Responsabilidad Civil: una cobertura que le permite al asegurado enfrentar reclamos originados por los daños que su mascota pueda llegar a ocasionar.
¿Qué enfermedades o afecciones cubre el seguro de mascotas?
Si bien cada compañía aseguradora brinda una póliza con condiciones diferentes, en general incluyen: gastos de asistencia veterinaria por accidentes, robo, extravío, responsabilidad civil y algunas otras.
¿La cobertura del seguro de mascotas es sólo para una Provincia?
En general las empresas de seguros brindan cobertura a nivel nacional (Argentina), pero en realidad depende del servicio contratado, el cual puedes verificar en tu póliza.
¿Contratado el seguro para mi perro o gato, está cubierto inmediatamente?
Puede que en general las aseguradoras impongan algún período de carencia para determinados servicios a prestar.
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