Animal Trainers & Life Insurance
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Life insurance for animal trainers will generally be accepted at normal rates. Insurance providers do not consider working with animals to be of a significantly high risk and will typically offer standard terms for life insurance.
If your work regularly takes you abroad then you will need to detail this to the insurer who will take into consideration the amount of time per year that you spend outside of the UK and the locations that you travel to, when underwriting your cover.
Your occupation is most likely to be looked at if you apply for income protection and we have a detailed section about this below.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover for animal trainers is also typically accepted at standard terms. As with life insurance, the insurance provider that you approach will want to know if you spend significant amounts of time outside of the UK due to your occupation.
This often means any period of time where you are outside of the UK for more than one week, in specific relation to your job duties. With some income protection policies you working outside of the UK can play a big factor on being eligible for the policy. It’s also really important that if you have an income protection policy already and that your working duties as an animal trainer change and you are required to work abroad, that you check that this doesn’t affect your cover.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for animal trainers is available with a number of insurers and you should try and ensure that the policy terms that you are offered are at an ‘own occupation’ definition. This means that if you are unable to work due to incapacity you will be assessed on your ability to work as an animal trainer. Other definitions of income protection will asses you on your ability to perform any like job, or any job at all, making the ability to place a claim more difficult.
To help find the right insurer for you will typically ask:
- How many hours do you work each week?
- How much time in your week is manual work, administration or supervisory?
- Have you previously experienced any accidents or injuries at work?
Animal trainers income protection will be available with a deferment of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This is the amount of time that you must wait until you receive a policy payout at the time of a successful claim. You should determine how long you can cover your living expenses if you are unable to work when deciding what deferment period to choose for your income protection; you should consider any employment benefits and savings that you have in place.
Our insurance advisers can help you to determine what combination of policy terms best suit your individual circumstances.
Animal keepers and trainers are responsible for the care, nurture and safety of animals in their charge. An animal handler may look after one type of animal or a multitude of different species, in a variety of habitats, all of which could present a range of hazardous and unpredictable environments. Animal keepers are found from zoos to country estates where game are raised and managed for leisure pursuits. Animals are often unpredictable and many can quite easily cause serious injury despite safety procedures that are in place.
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