Third Party Insurance is generally for vicious dogs. Few policies often will provide coverage for cats; however, the policy is rare, since cats often pose no threats. The third party will provide liability coverage to owners whose animal has caused harm, either by biting or damaging property. The damage or injures will include coverage for animal attack on other animals. Thus, pet coverage is the standard coverage allotted to pet owners, while third party is a secondary coverage to owners of aggressive dogs. Like many types of insurance, the policy will reimburse owners if they are found liable due to animal attack. The process of reimbursement is similar to other types of coverage, only you are submitting the claim, summons, insurance policy number, writs, police reports, and other documents imposed as a result of the attack.

Once the company receives your claim, the company will make contact with you providing additional instructions if applicable. The policy will cover you if your dog attacked another human being, caused damage to property, or caused an accident. Thus, it is wise to obtain a comprehensive coverage plan if you have an aggressive animal, especially a policy that will come to your defense if you are accused of negligence. It is important to disregard any signatures on documents by the third party or others until you have submitted your claims. If you sign papers, stating you are at fault the company will have difficulty defending you. Pets have been known to cause accidents, thus pet insurance policies that cover liability is not an option in most instances when it comes to protecting your pet and self. Court costs, fines, and other details of legal aspect are often expensive, thus have coverage is vital if you have a risky pet. However, you must be aware that the policy are not obligated to cover all charges against you, therefore, be expected to pay out of your own pocket a portion of the damage. Most policies will cover attack of other pets, third party liability damage to property and 80/20 attacks on humans.

On the other hand, if you have special breed dogs that pose no threat, then you may want to consider a different type of pet insurance. The Supplementary Insurance Premium is often attached to special breed pets. There are various types of animals that require special treatment and these pets include, Burmese Mountain Dogs, Bulldogs, Dogue de Bordeaux and so forth. Still, if you have aggressive pets you will need third party liability coverage.

Some policies have excess fees, which mean that the policyholder pays an initial charge at the vet