Age Unrestricted Dog Insurance: Is It Possible?

Age Unrestricted Dog Insurance: Is It Possible?

More and more dog owners decide to take out health insurance to protect their little companions.

These formulas are more or less covered and can be expensive, but they are really interesting to reduce veterinary costs. Nevertheless, the majority of brands impose minimum and maximum age limits to prevent risk.

In this case, how can I insure an older dog? Is it possible to find a contract with no age limit? If so, at what price? Let’s take a look at this case.

Dog Health Insurance: What is it?

Dog health insurance is a mutual health insurance aimed at protecting animals. Each contract is created for measurement and is within the framework freely set by each insurer. However, there are three main types of formulas.

  • Basic formula : Economical, this basic formula is barely covered (50% to 70%), but it’s also cheap. It covers only specific medical expenses in the event of an illness or accident.
  • Comfortable prescription : Intermediate, reasonable in terms of cost, yet provides the right compromise to cover more care (60% -80%).
  • Premium formula : High end, this formula covers much more (80% to 100%), but it’s also much more expensive.

In return, the insured dog owner must pay a monthly, quarterly, or annual contribution. His insurance policy may be accompanied by all or part of the following elements:

  • Repayment rate Higher or lower, depending on the formula selected.
  • Refund limit More or less this corresponds to the maximum amount his insurance company can refund to him each year.
  • FranchiseAlthough not systematic, it can be applied in the form of a percentage of care or the amount of euros deducted from each procedure or initial refund.
  • Waiting period More or less important, it is the period from the signing of the contract to its entry into force, during which the Master must begin paying his contributions with the animal still uncovered.

Dog Health Insurance: More or less high age restrictions

If it is possible to insure your dog at any time, or almost according to the insurance company, you really need to respect certain restrictions. Indeed, the majority of mutual health contracts only provide compensation for dogs aged at least 2-3 months, 5-6 years, and in some cases 7 years, and rarely 8 years and older.

Why do you refuse to cover young puppies and old dogs so much? The very simple reason is that insurers can protect themselves from risk by imposing minimum and maximum age limits. Indeed, in puppies, most serious illnesses that require significant care are detected before the age of 2-3 months. Older dogs are generally at risk of illness, injury and accidents, so the problem for insurance companies is older. However, these risks at the beginning and end of life generally lead to higher veterinary costs, forcing insurers to reimburse customers for higher than expected amounts.

As a result, you will find it difficult to find insurance policies for older animals. In addition, you need to be aware that the age limits accepted vary from company to company. We know that each other is free to set the conditions and the price of choice. In many cases, the average age limit set depends on the breed of dog. Overall, the following age limits are adhered to:

  • 9-10 years for small breeds.
  • 8-9 years for medium breeds.
  • 6-7 years for large breeds.
  • 5-6 years for huge breeds.

In addition, it is not uncommon to see the price of monthly, yearly, or quarterly donations paid by the Wanwan Master change from year to year. Certainly, depending on the age category of the dog, price increases are frequent. Some companies decide to terminate their contract even if the animal is considered too old or has frequent health problems. Therefore, to avoid this kind of unpleasant surprise, it is important to read all terms and conditions of the contract before committing.

But is it possible to find a health insurance policy to protect old dogs?

Insurance for dogs with no age limit: Yes, it’s possible …

The animal mutual insurance market is exposed to fierce competition. As a result, many companies have agreed to relax their subscription terms in order to attract customers. Therefore, to protect your aging little companions, it is possible to have a health insurance policy with them without an age limit.

The best way to find such a particular contract is to use an online dog insurance comparator. These free, non-binding, fast tools can help you find the deal you need. Indeed, rather than visiting all reputed brands or contacting online distributors one at a time, the comparator provides a simple survey that can be targeted to your needs. To do.

In just a few seconds you will receive several offers that correspond to what you are looking for, and especially an age-free contract to guarantee your little dog. It’s up to you to study them and request a quote that you may be interested in. All you have to do is compare the offer with an equivalent guarantee and find a contract that offers you and your little buddies the best value for money. It’s a good way to save valuable time, not miss interesting offers and save money!

… But it’s not without conditions and results!

As we said, it is possible to insure your dog by enrolling in an unlimited mutual health contract. Nonetheless, this possibility is not without consequences, as insurance companies are at greater risk and your animals are more likely to age and therefore statistically become ill or injured. In fact, older dogs have a much higher risk of diabetes, hip dysplasia, kidney or eye damage, and cancer. However, these treatments are expensive and time consuming.

To compensate for this higher risk, the insurance company agrees to cover the old dog, provided that his husband pays a higher contribution. This precaution allows insurers to protect themselves from higher and higher costs, which they believe are at high risk of having to bear for older dogs.

It’s important to know that the cost difference can be significant, as it can reach double or triple the price of traditional contracts, but these unrestricted interrelationships are significant. It remains attractive to many dog ​​owners who want to reduce their medical costs. It’s also a good way to ensure that you can meet the needs of your little companion for as long as possible while ensuring that you maintain their health and well-being.

Unfortunately, this is not the only result of this type of contract with no age limit. In fact, in addition to being more expensive, they generally have a lower maximum redemption limit, a lower redemption rate, higher deductibility and a longer waiting period. In addition, while it is imperative that dogs be vaccinated and identified, of course, it is also imperative that they do not suffer from hereditary or congenital illnesses that are insured by such contracts.

Therefore, before committing, make sure your little companion is covered for health issues related to illness, accidents, surgery and hospitalization. We will also consider the proposal in terms of fees and maximum redemption limits, but also consider deductible and waiting periods to avoid unpleasant surprises.

Remember that the online comparator is a free and powerful tool and very effective in finding the most interesting dog insurance policies without age limits!