Military Significant Others and Spouse Support - MilitarySOS.com
Page 1 of 2 12 LastLast
Results 1 to 10 of 14

Thread: Dog Insurance

  1. Senior Member
    BiggyBiggs's Avatar
    BiggyBiggs is offline
    Senior Member
    Join Date
    Jun 2010
    Location
    Atlanta, GA
    Posts
    13,255
    #1

    Dog Insurance

    Advertisements
    We are stationed in Germany and about to get a puppy. I was discussing pet insurance with other spouses here because it is a German law to have it for dogs.

    The kind of pet insurance we need is similar to car insurance. It is to protect you if your dog were to get out of your house and attack someone, cause a car/bike accident, destroy someone else's property, etc.

    Does USAA have anything like this? Someone said they added pet insurance to their USAA renters insurance but I told them that I did not think that was the correct insurance we need. I believe that the renters insurance add on was more for pet damage to the place you are renting. Just wanted to double check because I would love to go through USAA if we can.
  2. I'm so much cooler online
    Justangelyn's Avatar
    Justangelyn is offline
    I'm so much cooler online
    Join Date
    Aug 2010
    Location
    TAFB
    Posts
    2,833
    #2
    If this is true, this is news to me. I do know that our renters insurance covers them if there's any damage. And I want to say this includes if they cause an accident, (Running into the road and causing the car to swerve, dog bites) but I am not 100% positive on this, because it doesn't seem right. However, since we have been here and we've registered them on base and everything no one has ever told us about having pet insurance. So if this is true, let me know!!


    I do know you have to have them buckled up in the car when you're driving off base. It's a 50 euro fine. Luckily the guard told us and I did not get fined!!
  3. be silly. be honest. be kind.
    Jenni Penni's Avatar
    Jenni Penni is offline
    be silly. be honest. be kind.
    Join Date
    Jun 2010
    Location
    Texas
    Posts
    10,484
    #3
    I've never heard of this, the requirement to have insurance or the insurance itself

    "The purpose of life is not to simply be happy. It is to be useful, to be honorable, to be compassionate, to have it make some difference that you have lived and lived well."
    - Ralph Waldo Emerson

  4. Senior Member
    BiggyBiggs's Avatar
    BiggyBiggs is offline
    Senior Member
    Join Date
    Jun 2010
    Location
    Atlanta, GA
    Posts
    13,255
    #4
    I will ask again, but they went over it in our base's pet owner class.
  5. be silly. be honest. be kind.
    Jenni Penni's Avatar
    Jenni Penni is offline
    be silly. be honest. be kind.
    Join Date
    Jun 2010
    Location
    Texas
    Posts
    10,484
    #5
    This is what I found on the Ramstein page:

    "German law imposes strict liability on the owner for damages, regardless of whether the pet is in the possession of the owner, lost, or abandoned. Therefore, it is recommended that pet owners obtain liability insurance, which is available from commercial insurance companies. Usually, personal liability insurance is obtained in conjunction with pet liability insurance, which will cost."

    Factsheets : Dog Keeping laws for Germany

    So not required by law but recommended.

    "The purpose of life is not to simply be happy. It is to be useful, to be honorable, to be compassionate, to have it make some difference that you have lived and lived well."
    - Ralph Waldo Emerson

  6. Senior Member
    bdizzle's Avatar
    bdizzle is offline
    Senior Member
    Join Date
    Sep 2011
    Posts
    19,693
    #6
    Quote Originally Posted by Jenni Penni View Post
    I've never heard of this, the requirement to have insurance or the insurance itself
    I haven't ever heard of it either.


  7. Senior Member
    villanelle's Avatar
    villanelle is offline
    Senior Member
    Join Date
    Aug 2009
    Posts
    14,790
    #7
    We were told it is common to have but not required.

    Also, if you have renters insurance through USAA (and or an umbrella policy), ask them if ti covers any sort of liability for this sort of thing. Can't hurt to ask.

    Oh... it just started snowing! /blurt
    Science always wins over bullshit. ~Dick Rutkowski
  8. Senior Member
    BiggyBiggs's Avatar
    BiggyBiggs is offline
    Senior Member
    Join Date
    Jun 2010
    Location
    Atlanta, GA
    Posts
    13,255
    #8
    Quote Originally Posted by Jenni Penni View Post
    This is what I found on the Ramstein page:

    "German law imposes strict liability on the owner for damages, regardless of whether the pet is in the possession of the owner, lost, or abandoned. Therefore, it is recommended that pet owners obtain liability insurance, which is available from commercial insurance companies. Usually, personal liability insurance is obtained in conjunction with pet liability insurance, which will cost."

    Factsheets : Dog Keeping laws for Germany

    So not required by law but recommended.
    Ok, that's what someone else said now, that in our state it is not required, but is required in other German states.
  9. Senior Member
    BiggyBiggs's Avatar
    BiggyBiggs is offline
    Senior Member
    Join Date
    Jun 2010
    Location
    Atlanta, GA
    Posts
    13,255
    #9
    Quote Originally Posted by villanelle View Post
    We were told it is common to have but not required.

    Also, if you have renters insurance through USAA (and or an umbrella policy), ask them if ti covers any sort of liability for this sort of thing. Can't hurt to ask.

    Oh... it just started snowing! /blurt
    That's why I posted it in this forum section
  10. Regular Member
    USAA_JJ's Avatar
    USAA_JJ is offline
    Regular Member
    Join Date
    Jul 2010
    Posts
    211
    #10
    I can't comment on German law, but I can comment on liability insurance. If you have a Renters Policy through USAA it will cover you if you are liable for damages caused by your pet. The base policy comes with $100,000 of coverage and you can increase that to $300K or $500K. Beyond that, you need to look at aquiring an umbrella policy. The liability coverage included in your Renters policy would be in effect whether you're in the states or Europe.
    J.J. Montanaro is a CERTIFIED FINANCIAL PLANNER practicioner with USAA Financial Planning Services one of the USAA family of companies.
Page 1 of 2 12 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •