понедельник, 9 июля 2012 г.

Animal insurance

Most of us are fans of four-footed, mnogolapyh, Diptera and other creatures that make our lives more fun and varied fauna. Perhaps only the degree varies man's relationship to animals, at one extreme of the scale there are amateurs who keep the house cat, dog or a parrot, and the other - professionals who have either grown cattle, or at least professionally work with rare and expensive species and subspecies pets, as well as individuals with a pedigreed pets.
In the latter two cases, pet owners are equated to the owners of valuable property, as one, for example, a small dog with a nasty character often stands as three of my salary, because she has a pedigree. Well, on the collective farm and the farmer's cattle call here and there - is the capital of the owner Burenok and other Mu-Mu.
Naturally, when a desire to insure their furry, hoofed, or barking property, you should consider, as appropriate from the viewpoint of economics. For example, care for individuals with rare or exhibition animals with a pedigree often costs money, and in case of loss or the presentation of conditions, any compensation to the owner can not hurt.
I can not say that caring for farm animals is less expensive, and the health of livestock and the number directly, as I said above, depends on the welfare of farmers and Ratings.
Before going to the insurer, be sure to take an honest look into the eyes of their pets, and even better - to evaluate them:
- Age (too young individuals, and "old" to insure in most cases will not be because of being in the category of high mortality);
- Exotic and rare (many tropical animals, for example, are not immune to the usual for our latitude disease or simply difficult to treat them);
- Conditions (impact on price);
- Your experience (similar effect on the amount of payment).
Another important factor is how cost-effective to insure a dog or cat. If a pet costs money and takes medals at exhibitions, of course, need to take care of this.
Also at the rate depends on:
- The number and value of animals;
- The conditions of the animals;
- The presence / absence and size of losses over the past 5 years;
- The size of the franchise.
Who we insure:
- Cattle (with a period of calving);
- Sheep and goats (aged 1 month.)
- Horses, camels, donkeys, mules (at the age of 6 months.)
- Pigs (aged 10 days);
- Birds of different breeds and crosses (aged 10 days);
- Pets.

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