Over 1000 euros for dog chest surgery. 400 euros for treatment of stones with IV and catheter in cats: Here are the loving, but less fortunate, masters who have been put in front of a painful dilemma when the livestock’s livelihood and maintenance of health exceed their financial capacity. Or that it drives them into debt. Professional insurance can 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 10 professionals, there are veterinary drug contracts offered by general insurance companies or insurance subsidiaries of large retail chains. The insurance comparator is practical, but it covers only part of the offer.
Insurance companies offer 3 to 6 formulas within that range. More and more protection … but more and more expensive. They represent two different logics.
The cheapest is accident insurance. Only medical expenses related to accidents (acts, long-term care, pharmacies) are covered. Depending on the operator, it costs about 6 to 12 euros per month.
A more complete formula adds a form of mutual health insurance to this insurance. It covers all or part of illness care, or even preventative action. (Vaccination, anthelmintic). In this case, you will have to pay from € 15-20 to € 60-70 per month. It all depends on the deductible level and the care covered, and the age of the animal.
Be aware of pet insurance policy exclusions and specific terms!
Like any insurance policy, you have to Read the Terms of Service to the minimum terms to identify broad exclusions and restrictions regarding refunds. Already, the majority of players in this market impose an age limit.
In some cases, animals over the age of 8, 10, or 12 are not eligible. Only a few insurance companies accept them.
Birth defects are often excluded. “For Persian cats, the cost of nostril and nasal examination, treatment, or surgery is not covered.” For example, the general status of a professional insurance company.
“The risk occurrence must be random. It justifies Tania Gombert, marketing director for another major player in this sector. The consequences of pre-subscription illness are also excluded.” The deductible effect is measured whether expressed as a percentage or a flat rate that reflects the remaining charges. Also, look at spending limits on a yearly or per-action basis.
Increased contribution should be considered with the age of the animal, However, depending on changes in veterinary costs and the amount of costs reimbursed the previous year.
Your animal’s risk profile is also relevant. (Runaway or brawlers, living near lanes or on higher floors, etc.).
So many points to quietly analyze without giving in to the call of a Comparator insurer partner: These will surely prompt you after an online search!
Vaccinations, sterilization, anthelmintic surgery, surgery … How much does a veterinarian pay? s
-Consultation once or twice a year (From 35 to 50 € per consultation).
-Annual vaccine: From 50 to 70 €.
-Anthelmintic: 20 to 30 € per year.
-Men’s sterilization: 70-150 € (cat); 120-250 € (dog).
-Urgent consultation: From 50 to 100 €.
-Laboratory analysis: From 50 to 110 €.
-Surgery with ablation: 200-500 euros for simple cysts, 600-1500 euros for breast tumors