While you may have strong feelings for your horse, a horse is something more than a mere pet. He represents a financial investment and, as a living being, he’s subject to the same injuries and illnesses as any other biological entity. When a horse does become injured or ill, the costs of caring for him can affect what services you can provide and that’s just one reason insurance is so vital.
There are actually many different kinds of insurance you should carry for your horse. Health insurance is one type and it’s often necessary, unless you feel confident you can pay out of pocket for major medical treatments. Whether your horse appears in shows, competes in races, or is simply a companion for your family, he requires ample amounts of exercise. As your horse runs, jumps, and plays, the risk of a serious injury is always present. Treatment for something as minor as a sprained ankle may require medication, medical imaging, and the wrapping of the ankle. Just basic treatment can come to hundreds or thousands of dollars, depending on the severity of the injury. Horse health insurance can significantly offset those costs.
Suppose the horse suffers a more serious injury or develops a terminal illness. In that case, you stand to lose a significant financial investment in addition to a beloved family companion. Maintaining horse insurance can help you and your family get through this difficult time. It can provide you with the resources to arrange for the disposal of your horse according to your family’s burial customs. Without life insurance for your horse, you may have few options in terms of how your family can say goodbye to the horse.
Finally, liability insurance is equally necessary. When your horse does have an accident, it’s very likely that it will result in property damages. It may also result in injuries to human bystanders. Liability insurance will cover the medical care of individuals injured in the accident and help pay for any property damages that occurred. By keeping insurance up to date, you can protect your horse and your family against events that may cause injuries or illnesses.
If you haven’t reviewed your homeowner’s insurance policy since you bought your home, you may have forgotten what coverage it provides. This can hurt you in a number of ways. Most obviously, it may mean that you don’t have the level of coverage you home needs in the current economy. Additionally, it may mean you have coverage to help offset costs that you might otherwise assume are your own responsibility to pay.
One reason it’s a good idea to read through your policy on a yearly basis is to ensure you still have enough coverage. Just the increases in the cost of living may dictate a need to raise your coverage a little. If you’ve added a new structure to your property or built onto an existing one, that need to update your coverage becomes even more imperative. Failing to amend your policy to cover these additions can cost you if something does happen.
Additionally, you should take the time to familiarize yourself with other coverages your policy does offer. For instance, homeowners insurance Lodi CA typically offers liability coverage. This will be helpful in the event someone is injured on your property. The liability coverage may cover all or some of their medical care expenses and may provide you with money to hire a lawyer in the event of litigation.
If something happens to your home and you must vacate the property until it can be repaired, you’ll end up spending money on temporary lodging, meals, and other necessities. Your policy may also offer coverage for these costs. Knowing that temporary living expenses may be covered can help you save money through this difficult experience.
These are just a few ways your homeowner’s insurance policy can help you in a time of need. As you review your policy each year, look at each type of coverage and determine if you should increase the amounts for which you’re covered. This can help you survive an emergency in the event your home is destroyed by a fire or other natural disaster.
Secretary of Health Francisco T. Duque III released the following statement today (January 10, 2019) on the signing of the Philippine HIV and Aids Act by President Rodrigo Duterte:
“The signing of the Philippine HIV and Aids Act is a huge step forward in responding to the growing HIV epidemic in the Philippines.
Ngayon ay mabibigyan na natin ng tamang suporta ang mga Pilipinong may HIV-AIDS. Kaya naman lubos ang aming pasasalamat kay Presidente Duterte sa pagbibigay niya ng prayoridad at aksyon laban sa HIV-AIDS.
The law provides:
Comprehensive education and prevention programs for PLHIV and their families.
It also enables minors 15 years of age to get tested for HIV.
While the new law has been enacted, our next step is to be able to properly execute the law by developing an Implementing Rules and Regulations to guide executive officials in implementing the law, as well as the public in how to comply with the law.
A stronger collaboration is key to attaining our vision of an HIV-free country. The road ahead will be long and our climb will be steep, but we will thrive and win against HIV and AIDS.”