Dog insurance: mutual rate for dogs

Why take out mutual insurance for your dog?

Like his master or mistress, your dog may at any time be required to consult a health professional for various care. But except when it comes to prevention (vaccines, anti-ticks or anti-fleas), these expenses are often unforeseen. In addition to the risk of disease, accidents are also common among domestic animals. Broken leg, snake bite or ingestion of toxic food, there is no such thing as zero risk. Also, subscribing to dog mutual insurance means choosing to anticipate sometimes heavy expenses with veterinarians (x-ray, ultrasound, surgical intervention, etc.).

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Thanks to this dog mutual, you benefit from financial support to take care of your dog while ensuring that you protect your budget.

Dog mutual insurance: what are the guarantees?

The guarantees of your dog health insurance will depend on the insurance company that you are going to select. In fact, not all of them offer the same offer. A comparison is necessary. Moreover, with each insurer, different levels of guarantees are offered to adapt your dog's insurance to your needs. Certain breeds of dogs are more fragile than others and will need to consult more frequently or will have a greater risk of being operated on. Labrador, Bulldog, German Shepherd, Golden Retriever, not all dogs are in the same boat, the price of dog mutual insurance is also different depending on the breed of your pet to adapt to risk.

Among the guarantees that you can take out for your pet insurance are:

• consultations;
• alternative medicine ;
• examinations (blood test, x-ray, scanners, ultrasound, etc.);
• surgical costs;
• hospitalization ;
• drugs ;
• physiotherapy ;
• physiotherapy;
• vaccination ;
• sterilization;
• anti-flea and anti-tick;
• worming;
• checkup ;
• descaling;
• food supplements ;
• hygiene products ;
• herbal medicine;
• homeopathy.

The price of dog mutual insurance according to the guarantees

Thanks to our dog mutual insurance price comparison, we have found for you some examples of guarantees for illnesses, accidents, etc., for a medium formula.

Things to consider before taking out dog health insurance

Taking out an animal insurance contract should not be done at random. Whether you subscribe to Bulle Bleue, SantéVet, Dalma, AssurOPoil or Selfassurance Animaux, you must carefully read the general and specific conditions of your contract. Also check if health coverage for your pet meets your needs. The points of vigilance are as follows:

• the annual deductible : most of the time you have to pay a deductible, this amount which remains your responsibility whatever happens after reimbursement from your dog's health insurance. This excess is more or less high depending on the formulas and insurers;
• the annual ceiling : a reimbursement ceiling is applied for mutual health insurance for dogs. Make sure that this is not too low compared to your possible needs;
• the waiting period : this is the period during which you pay for your dog and cat health insurance without benefiting from all your insurance guarantees. The deficiency can be, for example, 48 hours for an accident, 45 days for an illness and 6 months for surgery following an illness.

What is the price of dog insurance according to the formulas?

Prices vary according to a certain number of parameters such as:

• the sex of your dog;
• the race ;
• age;
• whether or not your pet is identified;
• medical history;
• the guarantee formula.

We have carried out a simulation for you with our animal insurance comparator to give you an example. Here is the monthly cost of your dog mutual insurance for an identified 2 and a half year old Labrador with no medical history.

These optional guarantees vary the price of insurance

THE dog mutual insurance price can be influenced by personalization of support. It is possible, depending on the insurer, to choose options including:

• the prevention guarantee;
• dental guarantee;
• death guarantee;
• civil liability guarantee;
• guarantee of childcare costs;
• guarantee of transport costs;
• etc ;

Our advice for finding cheap dog health insurance

If you are looking for a formulacheap dog insurancehere are some tips for reducing the price of your pet's health insurance:

• play on the amount of the deductible: some insurers allow the deductible to be increased or reduced, naturally impacting the price of dog mutual insurance. Be careful not to increase it too much in order to avoid an unexpected expense if your dog needs care;
• take out basic coverage if your dog is in good health. You can then personalize your offer if one or two options seem to meet your needs. The objective here is not to take out dog mutual insurance offering guarantees that you will not need (for example therapeutic food, physiotherapy for dogs, etc.);
• Limit the risk of illness by caring for your dog. A healthy and balanced diet, physical activity… As with humans, dogs with a healthy lifestyle have less risk of falling ill;
• preferably consult a veterinary school. With a price 30% lower than that of traditional veterinarians, veterinary schools allow you to save money. In this way, you can take out health insurance for pets with slightly lower coverage, your out-of-pocket costs will remain lower;
• insure your dog as soon as possible. Some insurers do not vary their rates over the years, it is better to take out insurance for your puppy, the rate will be lower compared to that of a senior dog.

Whether you want to insure a dog, a cat, a rabbit or a ferret, it is important to take the time to compare offers. You will see it, with our price comparison for dog mutual insurance, it will be quick. Our simulation took us less than a minute to obtain the amount of the insurance premium and find out the guarantees to find the best reimbursement for veterinary care.

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To compare, it's very simple. You fill out a short form asking for some essential information about your dog, from their age to their medical history to the level of insurance you want. You see the list of results appear and can compare the price of dog insurancebut also the guarantees included in the contract and those optional.

Compare ceilings, deductibles and waiting periods. Be careful, some insurance companies offer attractive subscription conditions, sometimes up to 3 months free. This is a point to take into account when calculate the annual price of your dog's mutual insurance. Another important element: some insurers charge administrative fees.

To take out your dog insurance, you can then be called back by an advisor to take stock and determine if you have really chosen the best offer according to your needs. You can request a free quote which will be precise and personalized and then subscribe online.

If you already had subscribes to dog mutual insurance and cat and it appears, by using an animal insurance comparator, that you are paying too much, be aware that animal insurance is not governed by the Hamon law. Therefore, you must only cancel on expiry by sending, 2 months before, a registered letter with acknowledgment of receipt.

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Frequently asked questions about the price of dog insurance

What is the cheapest health insurance for a dog?

The price of dog health insurance varies depending on its age, breed and the guarantees taken out in particular. For example, Selfassurance may be cheaper for a 3-year-old border collie with a premium plan while Carrefour Assurance will be cheaper on a basic plan for a 6-month-old Yorkshire.

What reimbursement rate for dog health insurance?

The reimbursement rate varies depending on the plan chosen and the health insurance company. Some plans offer a 50% reimbursement rate, others offer you complete coverage with 100% coverage.

Is there a guarantee of assistance for dog insurance?

Yes, health insurance for dogs can provide, often as an option, an assistance guarantee. This assistance ensures reimbursement of care and transport costs if you can no longer, temporarily, care for your dog (in the event of hospitalization for example).