天降乌龟酿惨剧！宠物闯祸，能走保险吗？

Core Viewpoint - A recent incident involving a child being killed by a falling turtle has sparked discussions about liability and insurance coverage for pet owners in China [1][3]. Group 1: Incident Overview - The incident occurred when a turtle, owned by a resident of a community, fell and struck a child, resulting in the child's death despite medical efforts [1]. - The child's parents sought compensation of 1.3 million yuan from the turtle's owner, the property management company, and its insurance provider due to the lack of agreement on compensation [3]. Group 2: Legal and Insurance Implications - The court ruled that the turtle's owner is liable for the child's death, ordering compensation of 1.28 million yuan, while the insurance company was not held responsible as the property management company bore no liability [3]. - There are insurance products available for pet owners, such as household liability insurance and pet insurance, which can cover damages caused by pets [4][5]. Group 3: Insurance Product Details - Household liability insurance typically offers coverage of around 1 million yuan for incidents involving pets, with annual premiums ranging from 300 to 400 yuan [4]. - The insurance can mitigate financial risks for pet owners and promote responsible pet ownership through risk management practices [4]. Group 4: Limitations and Considerations - Insurance policies often contain exclusion clauses, meaning that certain conditions may prevent coverage for pet-related injuries [5]. - Consumers are advised to carefully review the terms of insurance policies to understand the specific coverage for different types of pets and any regulatory requirements [5].