Top Ad 728x90

What does a health insurance for dogs cover? Which guarantees ?

The guarantees of a mutual health insurance contract for dogs depend on the chosen formula. This is why it is important not to subscribe lightly. You can use a pet health insurance comparator to compare each contract proposed. This allows you to subscribe to the one that offers the desired coverage at the best rate. Between the basic formula and the high-end formula, the guarantees are far from being comparable. Let's take a closer look.

Is it useful to insure your dog with an animal health insurance ?

As an indication, for a dog in perfect health, the annual budget in France for routine visits is between 180 and 300 $. In addition, there are the costs of sterilization, vaccination, medication, examinations and other procedures in case of accident or illness. The bill can climb considerably and destabilize the finances of the pet owner. If he has a low income and his dog is not insured, he may have to give up - with a heavy heart - to have his little companion treated.

Taking out a health insurance policy is therefore very important if you love your dog and want to ensure the best possible living conditions for it, whatever the circumstances. Indeed, when the dog can benefit from sufficient guarantees, his owner reduces considerably his expenses.

Finally, there is not much difference between health insurance for humans and those that take care of dogs.

Health insurance for dogs: guarantees vary according to the formula chosen

In general, pet health insurance companies offer at least three formulas, namely
  • A basic or entry-level plan that covers only the main care following an accident.
  • A mid-range plan that covers major illness or accident care.
  • A high-end plan that covers all types of care, whether following an illness or an accident, including preventive procedures (sterilization, vaccination, deworming, specific lotions, dietary food, etc.). A lump sum determined in advance can even be allocated to the owner in the event of the death of his dog so that he can buy a new animal.
Each plan has a maximum reimbursement amount for one year. If the total expenses incurred by the owner are higher than the limit, the excess amount will of course be paid by the owner. It should be noted, however, that some limits are quite high and cover a good deal of care.

Pet health insurance can be considered satisfactory when the level of coverage is at least 70 or 75% for a contribution of about 20 to 28 $ per month. But for a dog whose health is fragile, it is better to turn to a contract that reimburses at least 90%. This is the case of the complete formula also called Premium formula or top-of-the-range formula.

Being well reimbursed for veterinary procedures

This allows you to take care of your dog's health without having to worry about the financial issue and this is really a problem in our country because veterinary fees are freely fixed. Even the smallest consultation is expensive... not to mention complex surgeries, imaging tests, biopsies, rehabilitation or even euthanasia and burial.

Reimbursement levels are critical when considering a policy. In general, reimbursement can range from 50% to 100% of the expenses incurred within the limit of the ceiling which varies from 800 to 2,500 $/year depending on the insurer. Obviously, the higher the level of reimbursement and the higher the ceiling, the higher the premium. So much so that the cheapest health insurance contracts for dogs are around 7 or 8 $/month, whereas the highest policies can reach 70 to 80 $/month for optimal guarantees.

Covering your dog without waiting

As soon as the health insurance contract comes into effect (as soon as you subscribe if you opt for an insurance without waiting period or at the end of this period in other cases), the owner of the insured dog can be partially or totally reimbursed for the expenses incurred for veterinary and preventive acts.

To do so, he/she just needs to send the mutual insurance company a care sheet and the receipted invoice from the veterinarian. But whatever the formula you choose, the reimbursement is always limited by an annual ceiling. If you wish to increase the level of coverage, you must opt for a complete formula.

More and more owners are trying to avoid policies with a waiting period because during this latent period, their dog is not yet covered. In case of illness or accident, all veterinary fees are still to be paid by the pet owner.

Dog health insurance: beware of the age limit!

It is strongly recommended to insure your puppy as soon as possible, from the age of 2 months, so that he can benefit from the best care all his life. This is also important because many pet insurance companies refuse any new subscription if the dog has reached the age of 6 or 7. If you want to insure your old dog, it is in your best interest to choose a dog health insurance with no age limit.