Owning a pet is a wonderful experience – until your beloved pet suddenly scratches the wallpaper, nudges the neighbor's dog, or, in the worst-case scenario, smashes your favorite vase to pieces. This is precisely where pet liability insurance comes in. It protects you from the financial consequences if your pet causes damage.

1. Damage to other people's property:
Whether scratched doors, chewed furniture, or a broken laptop – these are classic examples of damage. Important: Stay calm, take photos, and document the incident. The more detailed the documentation, the better for your damage report.

2. Injuries to People or Animals:
Sometimes your dog, cat, or even your horse becomes a little rascal and injures someone. Panic? No! Pet liability insurance covers this if riders, animal sitters, or other people who handle your animal free of charge are also insured. Important: Gather all details and contact information of the injured party and report it immediately using the claim form, e.g., Risk-Bot.

3. Damage Abroad:
Are you planning a holiday with your dog or horse? Many policies include worldwide coverage, usually for up to 12 months. Here too, it's important to report any damage immediately, ideally digitally, so that everything is automatically forwarded to the correct department.

4. Veterinary costs after dog fights:
Has your dog injured another dog? No need to bury your head in the sand. Report the incident immediately, including veterinary reports and photos. The insurance company will review the case and cover legitimate costs.

Here's what to do in case of damage:

• React quickly: The earlier the report, the easier it is to process.

• Document everything: photos, videos, witnesses, invoices – anything helps.

• Don't panic if your claim is rejected: often, only information is missing. Have the damage assessed and rectify the situation if necessary.

• Do not act on your own: Do not make any payments without authorization, do not sign any agreements. The insurance also protects you against unjustified claims.

With a cool head and the right information, you can handle any damage without stress – and your pet will still remain your best friend, not your biggest headache.