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Pet Safety Tips for the Holidays

There’s nothing cuter than seeing your pet wearing a holiday outfit or snapping a picture of them under the Christmas tree. But with all the excitement that comes with the holidays, it’s important to remember that your pet’s safety comes first.

Because of the many dangers your pets can get into in and around your home, consider these tips to keep your furry family members safe:

Holiday decoration dangers
While pretty, holiday decorations can be a danger to your pets. Both dogs and cats can knock over Christmas trees, so the tree should be anchored securely. Consider hanging breakable ornaments higher so that pets have more difficulty knocking them down.

Tinsel and garland placed on Christmas trees can also harm your pets. If a pet ingests either of these items, they could cause intestinal obstructions, leading to death.

If you have a real tree, pets must be kept away from the water in the tree stand – whether you use chemicals or plain water. Either can lead to vomiting and diarrhea.

Pine needles on real trees can also be an issue for your pets, so they should be cleaned up often. Needles can not only be toxic if ingested but can also cause intestinal obstructions if eaten.

The American Kennel Club suggests hanging bells on the lower branches to alert you when pets are near the tree.

Candles
Because pets can knock over candles, potentially starting a fire, keeping animals away from candles is essential.

Costumes
Many pet owners love to dress up their furry family members. But if you plan to have them wear a Santa suit or reindeer antlers, make sure your pets can move freely in their costumes and that nothing can choke or strangle them.

Toxic foods
Foods that humans can eat aren’t necessarily suitable for pets, especially during the holidays. Keep all trash covered so your pets can’t rummage through it. Food given as gifts should also not be placed under the tree, or anywhere an animal can get to them. Holiday foods your pets should not have include:

  • Alcohol
  • Candy
  • Chocolate
  • Chives
  • Citrus and pits
  • Coffee
  • Bones
  • Grapes
  • Meat
  • Nuts
  • Onions
  • Raisins

Toxic plants
It’s important to keep seasonal plants like poinsettias, mistletoe, holly, amaryllis, hibiscus, and ivy away from your pets, as many are toxic and can cause vomiting and diarrhea if ingested.

Seasonal hazards
Other seasonal items that must be kept away from your pets include fire starter logs. If your pet happens to chew on one of these, its stomach could become irritated due to the sawdust or paraffin the logs contain. Pets could also get an intestinal blockage.

If you live in a cold climate and need to keep your driveway and walkways clear of snow and ice, use kitty litter or pet-safe salt products to ensure tender paws are not burned by any harmful snow melting chemicals.

Traveling with pets
If you’re traveling by car with your pets during the holidays, there are many other precautions to take when on the road too. Before venturing out, ensure your pets are up to date on their vaccinations and check with the veterinarian to see if they can physically withstand an extended trip. If they’re good to go, bring copies of their health records along.

If you plan to leave your pets at home, choose a reputable sitter or kennel. They should still be up-to-date with their vaccinations and have identifications on their collars to identify them in case they get out of the house or if you need to be reached while gone.

To better protect your pet, MAPFRE’s Pet Injury coverage may be added to your auto policy, with up to $500 towards veterinary fees or replacement of your pet for a covered loss. Your independent agent can provide you with more information about this coverage option.

We hope we found these tips helpful for the holiday season! And if you’re not a MAPFRE customer yet, you can contact a local independent agent in your state  or, if you are a Massachusetts resident, you can get a fast, free car insurance quote today to see how much you could save!

Frequently asked questions about total losses

When is my car considered a total loss?

Your car is considered a total loss (totaled) when the cost to repair the vehicle exceeds its current value.

How is the value of my car determined?

MAPFRE works with a third-party to help determine the actual cash value of your car. The value of your vehicle is determined by a variety of factors like its pre-loss condition, age, make, model, and mileage. Also taken into consideration is the value of a vehicle of a similar type and the price paid for the vehicle.

What happens if I still have a loan or lease on my car?

Depending on the lender, if the actual value of your car is less than what you owe on your loan or lease, then you may still owe the balance.

 

Having gap insurance will typically cover the difference between what your vehicle is currently worth and the amount you actually owe on the loan or lease.

What paperwork is needed before payment can be issued?

Before payment can be issued, MAPFRE needs the title of the vehicle. If you hold the title, you must fill in the odometer disclosure statement and sign the title before sending it to us.

 

If the title is with your lender, MAPFRE will reach out to them. Keep in mind, requirements differ by states and there may be additional steps.

What happens to my car if it's determined a total loss?

After your car is determined a total loss, you will need to advise the repair shop or tow yard that you would like to release your vehicle to MAPFRE. This timely permission to move the vehicle will help reduce out-of-pocket costs.

 

During this time, you should also remove all personal belongings from the vehicle and take off the license plates.

Why do you need to take my car and where are you taking it?

While we usually cover up to $35 per day of storage at shop or tow yard, those fees can add up quickly. That’s why MAPFRE takes it to a storage-free facility. If you don’t want to allow MAPFRE to move your car, you may be responsible for the additional storage fees.

What if I decide to keep my car?

MAPFRE has the right to take your vehicle in settlement of a total loss under the terms and conditions of your auto policy. If we decide to allow you to retain the vehicle, it will be returned to you from the salvage yard once the claims process is complete. Once a car is totaled you will still need to have it repaired and pass inspection. You will need to apply for a salvage or rebuilt title that identifies the car as having been a total loss. Many insurance companies will not cover a salvaged vehicle it’s challenging to accurately assess the true condition of the vehicle.

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.

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