Animal health insurance: a choice to study

More than 1000€ for thoracic surgery on a dog; 400€ for stone treatment with infusion and catheterization for a cat: here are the loving but not very fortunate masters placed in front of a painful dilemma when the maintenance in life or in good health of their domestic animal exceeds their financial capacities. Or that it drives them into debt. Specialized insurance can sometimes limit this risk, but it can also be very expensive.

How to choose insurance for your pet?

This still young market is already vast. In addition to about ten specialists, there are animal health contracts offered by general insurers, or even the insurance subsidiaries of large retail chains. Insurance comparators are practical but only cover part of the offer.

Insurers offer 3 to 6 formulas within their range: more and more protective… but more and more expensive. They represent two different logics.

The cheapest are accident insurance. They only cover health expenses (acts, care, pharmacy) related to the accident. They cost around €6 to €12 per month depending on the operator.

The more complete formulas add to this insurance a form of mutual health insurance, which covers all or part of the care for illness, or even preventive acts. (vaccination, deworming). In this case, it will be necessary to pay from 15-20€ up to 60-70€ per month. It all depends on the deductible levels and care covered, as well as the age of the animal.

Pay attention to the exclusions and specific clauses of your pet’s insurance contract!

As with any insurance contract, you must read the terms and conditions, down to the smallest clauses, to identify the widespread exclusions and limitations on refunds. Already, a majority of players in this market impose an age limit.

Animals over 8, 10 or 12 years old, as the case may be, are not covered. Only a few insurance companies accept them.

Congenital diseases are also often excluded. “For Persian cats, the costs of examination, treatment or operation of the nostrils and nasal passages are not compensated”, indicate, for example, the general conditions of a specialized insurer.

“The occurrence of a risk must be random, justifies Tania Gombert, marketing director of another major player in this sector. The consequences of illnesses prior to subscription are also excluded from coverage.” The effects of deductibles are to be measured, whether they are expressed as a percentage reflecting a remaining charge or as a lump sum. Also examine the spending limits, annual or per act.

Increases in contributions are to be considered with the age of the animal, but also according to the evolution of the cost of veterinary expenses and the amount of expenses reimbursed the previous year.

Your animal’s risk profile also comes into play. (runaway or brawler, living near traffic lanes or on high floors, etc.).

So many points to analyze quietly, without giving in to the calls of the insurers partners of the comparators: these are sure to urge you after an online search!

Vaccination, sterilization, deworming, surgery… how much does veterinary care cost? s

– 1 to 2 consultations per year (from 35 to 50€ per consultation).

– 1 vaccine per year: from 50 to 70€.

– Dewormers: from 20 to 30€ per year.

– Male sterilization: from 70 to 150€ (cat); from 120 to 250€ (dog).

– Emergency consultation: from 50 to 100€.

– Laboratory analysis: from 50 to 110€.

– Surgery with ablation: from 200 to 500€ for a simple cyst, from 600 to 1500€ for a breast tumor

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