how to choose ? What cost?

You have just adopted a puppy and you are considering taking out health insurance to better protect it and reduce your veterinary costs. Young doggies are indeed exposed to diseases and accidents just like adults. Some companies offer insurance dedicated to the needs of puppies in order to cover their well-being and bring more peace of mind to their master.

How does this puppy insurance work? How to choose your formula? What cost to expect? Let’s take a look at this case.

Health insurance for puppies: how does this type of health guarantee work?

As soon as they arrive in their new home, puppies need care. It is therefore recommended to protect them by taking out dedicated health insurance. Once it is identified by means of a tattoo or an electronic chip, the puppy can be insured, because the first veterinary expenses arise relatively early, in particular through the first vaccinations and operations such as sterilization or castration. In addition, it should be noted that the little doggie is not immune to contracting an illness or being the victim of an accident.

Not all insurance companies offer specific formulas for puppies. It must be said that the classic formulas for dogs cover the young animal from the age of three months, or even two months in some brands, which does not change formulas for puppies. Similarly, these formulas, like the standard ones, last until the dog is 7 years old on average.

Three levels of protection

Each insurance company is free to offer the guarantees of its choice and to impose its own rates. This does not mean that more expensive insurance will be of better quality. However, there are three main categories of health insurance for puppies:

  • the basic formulascalled economic, are the least expensive and cover the costs related to illness and/or an accident up to 50% to 70%;
  • intermediate formulascalled comfort, offer a good compromise since they also cover the costs related to examinations and surgical interventions, and this, up to 70% to 90%;
  • high-end formulascalled premium, are comprehensive insurance policies that cover almost all of the puppy’s veterinary care up to 90% to 100%.

Insuring your puppy from an early age allows you to take care of its health very early on. Indeed, your little companion is not immune to developing a hereditary disease or another pathology. Finding insurance that agrees to cover a sick animal is then almost impossible, which is why it is important to take the lead by anticipating its needs.

It should indeed be known that the puppy is naturally protected by the antibodies of its mother from birth, and this, until its weaning, because they are transmitted to him by the means of the mother’s milk. Once the little pooch is weaned, he no longer benefits from this protection and he cannot yet benefit from the full protection of his vaccines. His immune system is therefore more exposed to risks. By protecting him with appropriate health coverage, his master can better bear the costs related to a possible illness.

Simple operation

The principle of puppy insurance is very simple. The master of the small animal subscribes to the formula that suits him and his doggie can thus be protected. During each veterinary consultation, he gives the practitioner a care sheet previously provided by his insurer. He must then pay the invoice for the care and he must send the care sheet and the detailed invoice for the care provided to his insurer to receive the reimbursement due to him within a period which may vary from a few days to several weeks. .

It is in the form of a transfer to his bank account that the master of the puppy receives his due. You should know that the reimbursement is calculated according to the formula chosen. Consequently, it is the reimbursement rate provided for by the contract that applies, and this, only to the care covered by the latter. The refund is therefore not calculated on the total amount of the invoice!

In addition, the refund amount may be reduced by other factors. The franchise is the first. This is an amount that remains the responsibility of the subscriber when requesting reimbursement. The deductible can take the form of a percentage or a fixed amount. It can be applied to each reimbursement request made during the year or to the first request of the year depending on the formulas.

In addition, the annual reimbursement cap may limit the reimbursement amount. This amount corresponds to the maximum amount that the insurer agrees to reimburse during a year. Thus, as soon as this ceiling is reached, the subscriber no longer benefits from any coverage before the following year, even if he has subscribed to a 100% complete formula. Depending on the guarantees, the amount of this annual reimbursement ceiling can be from 800 euros to 2,800 euros.

Puppy insurance: how to choose it?

There are several puppy health insurance offers. It is therefore difficult to make a choice. Here are some criteria to consider to help you.

The breed of the puppy

Certain breeds of dogs are predisposed to developing certain pathologies. If this is the case for your puppy, it is better to choose insurance that allows you to anticipate some of these difficulties and provides better care. This will avoid unpleasant surprises.

The environment of the puppy

The environment in which your puppy lives is important. If you live in an apartment or in a house with a small well-secured and enclosed outdoor space, your pooch will be generally well protected from accidents and illnesses. If you live in the countryside and he can go out freely, he will be more exposed. The same is true if other animals live in the household, as the risk of disease transmission is higher.

The desired level of protection

Depending on the level of protection desired for your pet, you will need to choose a more or less covering formula. It all depends on the risks your pooch is exposed to and your ability to meet veterinary expenses.

In addition, it is generally possible to subscribe to a prevention package which can allow you to reduce your expenses in this area (vaccination, deworming, antiparasitics, sterilization or castration, therapeutic food, etc.).

Your budget

Of course, your budget is to be taken into account, because you will have to pay each month the contributions that are required of you by the insurer.

The waiting period

This is the period that runs from the signing of the contract to its actual taking effect. During this period, you start paying to insure your puppy, but it is not yet covered. This period, which can last a few days or several months depending on the insurers and the formulas, is imposed by the companies to protect themselves from hidden illnesses or disorders. They thus give themselves the right to refuse the care of a puppy deemed too sick, and therefore too expensive to insure.

Termination conditions

Most health insurance contracts provide for a one-year commitment which is then tacitly renewed each year on the anniversary date. The law allows the subscriber to terminate his contract at any time during the first year. Thereafter, he can terminate it by sending his insurer a registered letter with acknowledgment of receipt at least two months before the tacit renewal. The renewal date may be the anniversary date of the subscription or December 31 of the current year. The insurer is legally required to inform the subscriber by email or post of his right of withdrawal at least 15 days before the expiry date, ie two and a half months before the renewal date. Unfortunately, some do not respect this obligation. In this case, the subscriber can terminate his contract at his own expense.

These rules regarding termination are simple and applied within the majority of companies. However, be sure to always consult them before committing to avoid unpleasant surprises.

Note that if the owner wishes to terminate his contract during the year, this procedure may generate costs. Furthermore, the insurer is entitled to demand payment of the premiums due until maturity, without the animal no longer being covered.

Puppy insurance: what price?

The cost of health insurance for puppies is about the same as that of conventional formulas for a healthy adult dog.

  • For a basic formula, it takes 10 euros to 20 euros on average.
  • For an intermediate formula, it is necessary to plan 20 euros to 35 euros per month approximately.
  • For a premium formula, a budget of 30 euros to 80 euros per month is necessary.

To find the puppy insurance that suits you, we recommend that you use the services of an online comparator. This free and non-binding tool is based on your answers to a quick questionnaire to offer you in a few seconds a list of offers that meet your needs. You can request more detailed quotes for the proposals that catch your attention.

Compare these offers with equal guarantees and select the one that offers the best value for money. You can also rely on the competition’s proposals to negotiate with the insurer who has won you over reduced rates or additional benefits.

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