Pet Insurance Coverage

Minneapolis pet Insurance for dogs
With our Pet Injury coverage, customers’ auto, boat, RV and now commercial policies protect their dogs or cats too.

What is Pet Insurance Coverage?

Pet Injury coverage comes complimentary with Collision coverage, and if your customers’ dog or cat is injured in an accident while riding with them,  Companies like Progressive will pay up to $1000 to help with veterinary bills and medicine.

 

When Can Pet Injury Coverage Be Used?

Minneapolis Pet Insurance coverage can be used whenever a pet is injured during a claim covered by Collision or Comprehensive coverage. This coverage is available for pets riding in the car and owned by your customer or his/her relatives.

Pet Injury coverage is built into Collision coverage – there’s no added cost if the customer chooses to use it or not use it. Collision coverage must be included on at least one covered vehicle on the policy to receive Pet Injury coverage.

 

Coverage Highlights

  • Coverage is limited to dogs and cats owned by the named insured and resident relatives.
  • Only covers injuries sustained in a “collision” or “comprehensive” claim.
  • The pet must be inside the vehicle when injured to be covered (includes pickup truck beds).
  • $1000 is the most Progressive will pay in a collision or comp claim regardless of number of pets injured or that die.
  • Pays up to $1000 for veterinary bills if a pet is injured in a coll/comp claim.
  • Pays $1000 if the pet dies as a result of the coll/comp claim. The insured does not need to replace the animal to get paid.
  • In cases of theft, we will cover a stolen pet for the $1000 death benefit only if there is a total theft of the car while the pet is in it.
  • The customer will need to provide proof of payment to be reimbursed for vet bills.
  • There is no coverage if there is not Collision coverage on at least one vehicle listed on the policy. If Collision coverage is purchased on any one vehicle, Pet Injury coverage is provided whether the pet is in the vehicle with collision coverage or one of the other vehicles that may not have collision on the policy, or in a “non-owned” car as defined in the policy. Furthermore, there is coverage if the pet is injured, dies or is stolen as a result of an event that fits the definitions of Comprehensive (even if Comp coverage has not been purchased).
  • If the loss is excluded for the vehicle under Part IV of the policy, coverage for Pet Injury is also excluded.

 

  • Not all carriers offer Pet Insurance coverage – consult your insurance specialists as they will have options for you if your provider doesn’t offer this coverage.

Progressive Agent

Progressive Independant Insurance Agent

How to Save Money on Car Insurance Using a Progressive Agent…

When it comes to car insurance, there are a number of ways – good ways and not so good ways to reduce your premium. And in today’s tough economic times, a little here and there can add up.


Choosing a local independent Progressive agent can mean big savings with the least amount of hassle. Progressive agents recommends asking these five questions:

Can I save by shopping around?  Yes, most likely you can save by shopping.  It will take a lot of time, you’ll have to give your personal info to all kinds of people and place, you’ll have to figure out if you have the right insurance and hope you don’t make any mistakes – like not including full glass coverage or not taking advantage of all the discounts, etc. Car insurance rates can vary by hundreds of dollars between insurance companies,  it does pay to check  the rates to make sure you’re getting the best deal.  It’s just a lot easier to let a good Progressive agent do it for you.  They have insurance knowledge and know how and where to get the best deal.  They work with insurance everyday.  Why mess around and try to do it yourself?  You don’t get a discount for doing it yourself.  Only a fool represents themselves in a court of law and insurance.  You become your own agent when you purchase on your own.

Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premiums. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year. A common cut off many choose is  $2500.  If it is worth less than $2500 than consider liability only.  If you really need to save money raise your deductibles not lower your liability limits.  You’ll save more and reduce your risk.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates. Some companies will allow residents of the same household to be on the same policy and receive multi=policy discounts.

Should I raise my deductible? Maybe – it all depends on your risk tolerance and the vehicles worth. According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Your Progressive agent will know and should ask you questions like..Does your car have anti-lock brakes? an Alarm? Would you like to try Snapshot to see if you could save up to 30% more?  You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

Does Progressive offer truck insurance in MN? Yes, Progressive offers commercial insurance. It’s best to speak with a local agency that is knowledgeable in trucking. Find info on Truck Insurance MN here !

To learn more, talk to your local Minneapolis area independent Progressive agent or broker. 612.460.7796