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Why Your Pet Needs Liability Insurance (And What It Actually Covers)

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3. Things Not Covered by Pet Liability Insurance

Generally speaking, liability coverage excludes:

  • Damage or injuries your pet inflicts on you or your family

  • Harm to your personal belongings

  • Pet health care

  • Events involving pets that are prohibited by regulation (exotic animals or specific breeds, for example)

  • Circumstances in which the pet was involved in unlawful activity (such as dog fighting)

Because coverage might vary greatly between insurers, always review the precise exclusions stated in your policy.

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