Why take out dog insurance?
You love your dog, but less so the veterinary bills that can quickly add up in the event of illness or accident. Fortunately, you can subscribe to a mutual insurance for dogs !
A mutual insurance policy for dogs is an insurance contract that covers part of the veterinary costs necessary for the care of your animal. You pay a monthly or annual premium, and in exchange the mutual reimburses part of the medical costs, from veterinary consultations to more expensive treatments such as surgeries and medications.
A dog may have many health problemsduring his life, including:
- Hip dysplasia;
- Parvovirus;
- Piroplasmosis;
- Leptospirosis;
- Urinary disorders (urinary infection, cystitis, incontinence);
- Renal failure;
- Distemper;
- Cancer, etc.
He can also undergo an accident or bites from another animal , which will lead him to the vet. Finally, you will have to pay all ongoing costs, such as those related to annual vaccinations. Costs can therefore rise very quickly, hence the importance of having mutual insurance to be financially protected.
The 3 advantages of dog mutual insurance
-
Financial protection
Veterinary care can be expensive, especially in cases of emergency or chronic illness. Taking out mutual insurance for your dog will help you pay part of these expenses. Many insurance plans reimburse between 50% and 100% of veterinary costs!
-
Peace of mind
With dog insurance, you know what to expect in terms of costs. Rather than being blindsided by an unexpected veterinary bill, you can plan your finances accordingly.
-
Quality care
Having insurance for your dog allows you not to choose between the quality of care and its cost. So you can make decisions based on the your dog's health needsrather than financial considerations.
How to find dog insurance?
To find THE insurance contract that will meet the needs of your four-legged companion and your budget, the best thing to do is to compare dog mutual insurance quotes.
In a few seconds you fill out a form with information such as the breed of your dog, its age, its first name. You then access a quote simulation, which offers you several offers. Each contains information on the price and the mutual guarantees.
How much does dog insurance cost?
The price of dog insurance varies from 7.5 euros/month to 100 euros/month. On the LeLynx.fr comparator, you will find contracts which reimburse veterinary costs from €7.50/month. It is therefore possible to find really inexpensive mutual insurance for your dog.
Know it, the more guarantees you add to your insurance contract, the more expensive the premium you will have to pay each month will be.
We now explain to you what criteria you should use to choose the best mutual insurance for your dog.
What are dog insurances?
Several insurers offer contracts to protect your dog:
- Fidanimo
- Kozoo
- Self-insurance
- Blue Bubble
- Jim & Jo
- Animo Mut
- Animal Health
- Health Vet
- Animal Assur etc.
How to choose the right mutual insurance for your dog?
When looking for health insurance for your dog, it is important to consider several factors:
- The level of coverage : this is all of the mutual guarantees, in other words, the level of protection. The higher it is, the better you are reimbursed of the various fees that you may have to pay for Médor. Note that some mutual insurance companies only cover accidents, while others also include illnesses and preventative care;
- Franchise : systematically check the excess provided for in the contract. This is the sas you will pay in the event of a health problem of your animal, and which is never reimbursed. A higher deductible may result in lower monthly premiums;
- The waiting period: it's the period during which you cannot use the mutual insurance , even though you have subscribed to it. It can last between 2 and 60 days, although most do not exceed 7 days. This period allows dog insurers not to have to reimburse sums due to a health concern for the animal that occurred before subscription;
- Exclusions of guarantees: several mutual insurance companies for dogs exclude certain guarantees from their contract. So make sure you know exactly what is covered;
- The hasvis-à-vis customers: Find reviews and testimonials from other dog owners on different insurance companies. This can give you insight into customer experience and overall satisfaction.
You now have all the keys in hand to find THE inexpensive and protective mutual insurance for your dog!
Héloïse is the author of this page. To learn more about our editorial team, Click here.
