The price of health insurance for pets varies greatly from one insurance company to another, but also from one animal to another. There is no set price, it will vary greatly depending on the risk of having to incur veterinary costs. Compare offers to find the best value for money and save money while protecting your budget in the event of health expenses for your pet.
Factors that impact the price of pet insurance
The price of your dog and cat mutual insurancebut also for NACs (new pets) such as dwarf rabbit, ferret, hamster, chinchilla, etc. varies greatly depending on the insurers who remain free to set their prices. As with any insurance, the amount of the contribution is defined according to the level of risk. Here are the elements taken into account by insurance companies:
- Age;
- Sex;
- The race ;
- Medical history;
- The level of guarantees.
The price of insurance depending on your pet
The price of mutual health insurance dependsin the first place, the nature of your pet. Cat, dog or hamster, the price will not be identical to the extent that the planned expenses are not the same.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
Likewise, race will play a role in the price of mutual health insurancesome being more fragile than others. Medical history will also impact the level of riskan animal that has already encountered health problems will see the price of its health insurance increase.
Here are two examples of prices, one for a dog, the other for a cat. This will allow you to get an initial idea of the expense to consider if you wish to cover veterinary costs for your pet.
One year old male European breed cat with no medical history.
| Insurance company | Monthly price for a Medium plan |
| Blue Bubble | €8.83 |
| Self-insurance | €10.92 |
| Dalma | €10.99 |
| Acheel | €11.50 |
| Crossroads | €17.61 |
One year old male Australian Shepherd dog with no medical history.
| Insurance company | Monthly price for a Medium plan |
| Blue Bubble | €13.70 |
| Self-insurance | €14.95 |
| Dalma | €14.99 |
| Acheel | €16.34 |
| Crossroads | €25.61 |
Health insurance for a dog seems more expensive than that for a cat at first glance. In this example, the classification is identical, whatever the animal. However, we will see that this classification can evolve, a cheaper insurer for certain offers will not necessarily be the cheapest for all pet health insurance contracts.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
The price of animal mutual insurance according to the level of guarantee
Not all insurance plans are equalwhich will naturally impact the price. The reimbursement rate is different depending on the levels of guarantees and the insurance companies. This time, we took the example of a 2-year-old male Persian cat who has no medical history.
| Insurance company | Monthly price in Economy plan | Repayment rate |
| Self-insurance | €3.40 | 70% |
| Acheel | €5.21 | 50% |
| Dalma | €8.99 | 60% |
| Crossroads | €9.59 | 80% |
| AG2R La Mondiale | €11.90 | 70% |
| Animal Health | €13.75 | 50% |
| Assur O Poil | €17.75 | 70% |
| HealthVet | €19.11 | 60% |
| Insurance company | Monthly price in Medium plan | Repayment rate |
| Self-insurance | €10.92 | 70% |
| Dalma | €10.99 | 70% |
| Blue Bubble | €11.49 | 80% |
| Acheel | €12.25 | 80% |
| Crossroads | €17.61 | 80% |
| AG2R La Mondiale | €20.90 | 75% |
| HealthVet | €34.43 | 80% |
| Insurance company | Monthly price in Premium plan | Repayment rate |
| Dalma | €14.99 | 100% |
| Self-insurance | €24.08 | 100% |
| HealthVet | €54.32 | 100% |
| Assur O Poil | €63 | 100% |
Here, you see, the ranking of insurers is changing, the most attractive prices are not always in the same insurance company depending on the formula chosen.
Franchise, reimbursement ceiling: a very variable price
From 50 to 100% of covering your veterinary costs, the price of animal mutual insurance varies greatly from one insurer to another. Other elements must be taken into consideration when choosing, they will also impact the cost.
- The amount of the deductible : insurers often impose deductibles which correspond to the amount you remain responsible for an expense. In terms of animal insurance, the amount of the deductible will change depending on the formulas and insurance companies. €25, €30, €50, €75, be sure to find a low deductible to avoid any unpleasant surprises for your budget when you go to a veterinarian. Please note that some insurers do not impose a deductible.
- The support ceiling. All veterinary costs are not reimbursed by your pet's health insurance. In fact, ceilings are applied by all insurers. They generally range from €1,000 to €2,000. Clearly, beyond these ceilings, you can no longer expect any support from your insurance company.
Compare to find the cheapest pet insurance
Comparing is the most effective solution for finding cheap animal health insurance. The insurance comparator allows you to discover the offers from different insurance companies in order to ensure that, with equivalent guarantees, you take out the cheapest animal insurance contract.
Making a comparison is free and without obligationit is in your best interest to use our tool to save money.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
Subscription to animal mutual insurance
There subscription to your animal mutual insurancefollowing your comparison, can be done directly online Or with an advisor by telephone depending on the insurer. All you need to do is send the necessary documents, subscription is quick, your pet will be insured as soon as possible.
Cancel animal mutual insurance to benefit from the best rate
By comparing you have found a mutual fund that is cheaper than the one you currently have. Know that termination of your contract is possible upon expirysend a registered letter at least two months before the anniversary date.
