Pet insurance the 4 points to check


 Just like humans, animals also need health coverage in case of illness. Many people choose to purchase insurance for their pets to ensure their pet's well-being. Before taking out such insurance, however, certain arrangements must be made. Discover here 4 elements to consider when choosing health coverage for your faithful four-legged friend.

The different formulas of mutuals for animals

To ensure your pet, it is important to browse the different offers of mutuals in order to compare them. The first formula to check is the basic one. This is the simplest offer that any mutual must present. It covers the costs to be paid to the veterinarian following an accident. This formula must allow your four-legged friend to enjoy free care within a given limit. The amount to pay to benefit from this insurance is usually low and costs on average 10 to 15 euros. The repayment ceiling in such a formula is also very low.

In addition, health insurance for animals comes in a mixed formula that allows you to reimburse various veterinary expenses. Diseases and accidents are the two elements that disrupt the life of the animal. The mixed formula covers both risks. In addition, it covers the costs of periodic vaccination of the animal. To do this, the mutual requires a flat rate of 50 euros at most to prevent any infectious or viral disease in your four-legged companion. However, the amount may vary depending on the coverage offered.

You can also inquire about the latest formula which is the high-end option. This takes care of all the guarantees of the previous formulas. In addition, there are other additional benefits. In the event of the death of the insured animal, for example, the mutual insurance company can pay capital to its owner. The same applies to the insurance of the custody of the dog or cat if its owner is sick or hospitalized. The factor to check here is the degree of comfort given to the animal. Due to the multiple advantages of this formula, it is often expensive.

The cost of your pet insurance

As is the case with health insurance, the price of the mutual for a dog or cat varies according to several criteria. The first element to consider is the breed of the animal. Insurance for an ordinary dog, for example, will be cheaper than that for a bulldog. Prices also vary if it is a cat, dog or other pet. The insurance then takes into account the age factor.

Young animals are generally not exposed to pathologies such as osteoarthritis. When it comes to health insurance, an older pet will cost you more than a young one. However, puppies and kittens are restless and more easily exposed to the risk of accidents. It is therefore possible to pay a high flat rate compared to adult animals. The general state of health of the animal is also to be checked to define the cost of its insurance.

We advise you to take stock of these elements in order to better appreciate the cost of insurance to choose for your four-legged friend. Although it is difficult for you to define precisely which package to pay, you will be able to have a rough idea. The monthly fee for the insurance of a cat is between 7 and 20 euros. As for the dog, it is possible to pay from 10 to 25 euros each month.

The professionalism of the mutual concerning the breed of animals

To verify the performance of a mutual, you must take into account the profile of the staff. Pet insurance must have animal health experts. Novices in this field will not be able to develop offers that integrate all aspects related to animal protection. The mutual must therefore have at its side veterinarians and experienced auxiliaries. They will also be able to give advice on keeping animals and the breed of the one you own.

An effective mutual must prioritize the health of your pet. For this reason, it is important to make sure that it offers a fairly short waiting period, if possible less than 7 days. In this way, when the animal is insured, it can already benefit from its insurance from the 8th day at the latest. However, this rule should not be applied to young animals. If your four-legged friend is not yet 3 months old, the insurance must take effect on the date of signing the contract. Otherwise, the insurance will take effect from the day the animal is 3 months old.

Effective insurance must be able to cover all risks related to your pet's health. Your mutual insurance company must offer in its basic offer the care following an accident or illness. In addition, this risk coverage must not be limited to a period. Even as the animal ages, it must enjoy the same guarantees in order to maintain good health.

The content of the coverage of the animal insurance contract

The pet insurance contract covers different risks for your pet. You must therefore study it carefully to make sure that it meets the needs of your four-legged friend. First, check all the diseases that are covered by the mutual. In this section, the insurance contract may cover all or part of the costs incurred with the veterinarian. Consultation and care are the responsibility of the mutual. The same applies in the event of an accident. Pet insurance also covers tests, ultrasound, surgery, and, if possible, hospitalization costs.

In addition, the animal insurance contract covers the costs related to the purchase of medicines for the care of the animal. Damage caused to others must also be covered by the health insurance contract. This option is found in contracts signed for dangerous animals. When the insured dog bites a third person, for example, the responsibility of its owner is engaged. If you have insured your pet with a mutual insurance company, it covers medical expenses. All this, however, depends on the conditions under which the incident occurred.