Pets are our family members too; we take them not just to the vet but with us to the store, on vacation, and sometimes just to ride around with them in the car. Dog parks have become popular and many people take their dog to the dog park regularly for socialization for both dog and human.  When an accident happens our furry friends can be injured or worse. While medical payments coverage extends to the human passengers in our vehicles, the bills and expenses of our injured furry friends can go unpaid especially if there is not a pet health insurance policy in place. With the updates to the Personal Auto Policy in 2018 a new endorsement was added to extend Pet Injury Coverage to those important family members if injured in an automobile accident while riding in a covered vehicle. The endorsement, Pet Injury Coverage PP 33 31 09 18, sets the parameters of the coverage extended to our furry friends, which is confined to cats and dogs.

Analysis

The form requires the insured to schedule the amount of coverage desired. Per the Personal Lines Rating Manual the scheduled amounts that can be chosen are: $500, $1,000 or $2,000 per occurrence. As is standard, the form advises that all other provisions of the policy apply unless modified by this endorsement. Endorsements add, delete or change coverage, but only affect what is directly specified in the language of the form.