Your pet's health is essential to you and, in the event of an unforeseen event, you want to be sure you can care for it. Know that you can take out health insurance for your dog or cat. The insurer will then cover all or part of its veterinary costs on the same model as mutual insurance for humans.
Why take out health insurance for your pet?
Subscribe to dog or cat mutual insurance can be interesting because health costs allocated to pets are particularly high. For example, a German Shepherd who lives for 15 years will cost his owner no less than 3,000 euros just in prevention costs (identification, vaccination, sterilization, etc.). An alley cat will cost its owner more than €2,000. Imagine the additional costs caused by an accident or sudden illness! Your pet's health may require visits to the veterinarian following:
- of an accident;
- a fight with other animals;
- an allergy;
- intoxication;
- poisoning;
- or an illness (cardiac, respiratory or digestive, etc.).
These veterinary costs can quickly turn out to be very expensive.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
Mutual insurance for dogs or cats is not compulsory. But, as for yourself, we advise you not to put your health at risk just to save some money. Especially since there are solutions to reduce the cost while benefiting from an optimal level of guarantees.
Many companies offer packageshealth insurance for dogs and cats. In order to choose the best inexpensive dog insurance, take into account certain criteria:
- health and accident cover (are there any exclusions to the contract, for example?);
- waiting periods;
- the amount of the deductible;
- the monthly amount of contributions;
- annual reimbursement ceilings.
Choose a insurance for your pet depending on your needs, but also your budget. Is your dog or cat more at risk of developing diseases because of breed? Choose insurance with a high reimbursement rate for illnesses. If your pet is rather feisty, the reimbursement rate for accidents is essential. The amount of contributions varies depending on the guarantees desired.
Use insurance comparators to take out inexpensive mutual health insurance for animals
To make easy comparisons between health insurance to find the cheapest one, quote comparators are practical tools. You just need to answer a few questions to establish your pet's profile and define the desired guarantees. Comparators offer you personalized offers in just a few seconds, depending on the breed and age of your animal. Comparators are useful for comparing reimbursement rates, knowing the amounts of deductibles and annual ceilings, waiting periods, etc. Simply select the proposals according to your budget and the desired guarantees.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
Compare the prices of animal mutual insurance with lecomparateurassurance.com
There subscribing to mutual health insurance for animals allows you to obtain compensation that meets your needs. The Insurance Comparator allows you to compare the best offers to find good value for money.
| Insurance | Veterinary care | Franchise | Ceilings | Monthly price |
|---|---|---|---|---|
| Self-insurance | 70% | €25 | €1,000 | €4.21 |
| Acheel | 50% | €0 | €1,000 | €8.01 |
| Fidamino | 50% | €0 | €1,000 | €8.50 |
| Solly Azar | 100% (surgery only) | 20% max €50 | €1,500 | €9.38 |
| Kozoo | 50% | €0 | €1,000 | €9.37 |
Methodology : These prices are obtained by quote from the Le Comparateur Assurance website, on August 1, 2023 and may change. They concern a 2-year-old female Pekingese dog, chipped and with no medical history. The formula is economical.
| Insurance | Veterinary care | Franchise | Ceilings | Monthly price |
|---|---|---|---|---|
| Self-insurance | 85% | €25 | €1,500 | €4.50 |
| Acheel | 50% | €0 | €1,000 | €6.57 |
| Kozoo | 50% | €0 | €1,000 | €9.32 |
| Solly Azar | 100% (surgery only) | 20% max €50 | €1,500 | €9.38 |
| AG2R | 70% | €0 | €1,200 | €12.90 |
Methodology : these prices are obtained by quote from the Le Comparateur Assurance website, on 1er August 2023 and may change. They concern a 2-year-old male cat of European type, chipped and with no medical history. The formula is economical.
The different formulas of mutual insurance for a pet
Insurance companies are free to set their rates. They generally offer three main categories of formulas to insure a cat, a dog or a NAC.
- The “economic” formula is the basic formula. It has an annual reimbursement ceiling of 1,000 to 1,200 euros and covers 50% to 70% of the amount of veterinary care. It generally only reimburses veterinary costs linked to accidents. It costs on average 5 to 15 euros per month,
- The “median” or “intermediate” formula has a higher annual ceiling, from 70 to 85% of the costs incurred and up to 1,500 euros per year. It covers accident and illness costs under conditions for 20 to 40 euros per month.
- The “premium” formula offers the best guarantees. This is a premium formula with reimbursements of up to 100% of veterinary costs. It is also the most expensive. The average annual reimbursement ceiling is 2,200 euros. The addition of additional guarantees is possible (prevention package, civil liability, death guarantee, etc.). Premium guarantees cover the costs of vaccinations, prevention products, surgical procedures, additional examinations, and even euthanasia. Prices vary from 40 to 60 euros per month.
To best meet your pet's needs while limiting your expenses, it is important to choose a formula that respects your budget with adequate guarantees.
Frequently asked questions about cheap pet insurance
From what age can I insure my cat or dog?
Your animal must be at least 3 months old to be insured by your mutual health insurance.
>> CLICK HERE TO COMPARE ANIMAL INSURANCE <<
Is there an age limit for insuring your dog or cat?
The majority of insurance companies refuse to insure animals over 8 years old. The older your companion gets, the more his health risks deteriorating. The risk of illness increases and insurers are reluctant to cover elderly animals.
I don't know the breed of my dog or cat. How do I get a quote on lecomparateurassurance.com?
If your pet's breed is not indicated in its health record, go to your veterinarian for more information.
My pet has an illness, can I still insure it?
In general, animal health insurance does not cover care related to an illness that already exists at the time of subscription. A health questionnaire is requested at the time of membership in which you must indicate whether your cat or dog carries a disease. Some insurance companies accept care for already sick animals, but they are few in number and the amount of monthly contributions is often very high.
My dog or cat is not chipped or tattooed, can I take out health insurance?
In France, before the age of 4 months for puppies and 7 months for kittens, your animal must be identified by tattoo or chip. Your companion's microchip or tattoo number is essential to receive reimbursements for veterinary expenses.
Can all breeds of dogs or cats be insured?
All breeds of dogs and cats can be insured, but the amount of your contributions may vary depending on the breed of your animal.
