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Most of us think of our fur babies as part of the family. Sometimes, you’ll want, or need, to take your pet with you when you leave home. Many families also take their pets on yachting excursions when they hit the water.

Like your family, pets also face risks on the water. Since most domesticated pets don’t use water as their natural habitat, exposing them to a yachting experience is unfamiliar. Should an accident occur, it could easily threaten the pet’s safety.

If you plan to take your pet on a yachting adventure, you have to see to its safety. Sometimes, yacht insurance can protect your pets. Otherwise, you have to create a reasonably safe environment to protect the pet from harm.

Yacht Insurance and Pet Coverage

Yacht insurance policies often cover injury and loss costs that may impact your passengers while you are on an excursion. In the same vein, some yacht policies provide a small amount of coverage for pets injured or killed in covered perils. You may only have to pay the deductible cost if your pet gets injured on a yachting excursion.

However, pet coverage does have limitations. Make sure you talk to your agent about how coverage works, then make a decision whether to take your pet on your yacht.

  • Policies might exclude certain animals from coverage because they are too high-risk. Coverage often will only extend to a cat or dog. It may not extend to pets like birds, fish or exotic pets like snakes.
  • Should your pet sustain serious injury, your policy limits may not cover the total cost necessary for treatment. Therefore, you might have to pay excess treatment costs if they exceed your policy limits.

Therefore, you have a responsibility to take care of your pet while on a boating excursion. Creating a good environment for the pet increases its safety.

  • Introduce your pet to the yacht early. Let it familiarize itself with the new surroundings before you sail.
  • Keep a supply of food and water on the boat for the pet.
  • In most cases, it is a good idea to keep a pet on a leash or in a secured area of the boat. That way, the pet has less risk of going overboard. In some cases, you can train a pet to stay in a safe space on the yacht.
  • Always supervise the pet, and don’t let it wander alone. If you allow the pet to enter the water, get in with it. Some yacht owners even go so far as to carry special flotation devices for the pet.

As always, your care and attention will help your pet have a safe, relaxing excursion on your yacht.

We’ve got you covered. Voyager Insurance Services, Inc. can help you get the right Dallas yacht insurance to meet your needs. Call us at (972) 712-8000 for more information.

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