Is dog or cat health insurance really beneficial?

The French are still shy when it comes to pet health insurance, unlike their British and Scandinavian neighbors.

It must be said that most cat and dog owners wonder if such health protection is beneficial for the benefit of their little companion. Granted, the question may legitimately be asked, but the answer is clear: about veterinary costs, health insurance for dogs or cats is of real interest. Let’s look at this case.

Health insurance for cats or dogs: how does this type of health coverage for animals?

Health insurance for dogs or cats is a protection that will act globally just like each other’s health for humans. The principle of its operation is simple because it is ensured by the owner of the animal to cover all or part of the veterinary care that his small animal is likely to receive. He has to pay a monthly, or even quarterly or annual contribution to benefit from reimbursement of advanced costs of 50% to 100% depending on the formula chosen.

Three categories of formulas for three levels of protection

The owner of the cat or dog to be insured has many possibilities corresponding to different levels of protection. Each insurance company can be free to offer the guarantees, conditions and rates it wants, but there are usually three main categories of formulas.

  • The basic formulas, economically, is the least protection. They typically cover costs related to illness and/or an accident, with a relatively low reimbursement rate, at 50% to 70% on average.
  • Intermediate formulas, as a comfort, a good compromise. Slightly more expensive than the basic formulas, they cover more because they include costs associated with illness, an accident as well as complementary examinations, even the pharmacy. In addition, the reimbursement rate is higher because it fluctuates between 70% and 90%.
  • Premium formulas, above the order, is the most complete. In addition to the care covered by other formulas, they provide for reimbursement of costs related to hospitalization, pharmacy or even euthanasia and funerals. True, it is more expensive, but the reimbursement rate varies between 90% and 100%.

To these formulas, the insured animal owner can add a prevention package, taken separately, making it possible to cover an annual amount of all care that falls into this category. So these include pest control, deworming, vaccination, sterilization or castration, therapeutic feeding, and so on.

Simple and clear operation

At each consultation, the owner of the insured dog or cat will provide a care sheet to the veterinarian. He has to pay the invoice as needed. After the consultation, the employer must send his or her insurer the sheet of care completed by the practitioner as well as the detailed invoice for the care provided. Over a variable period of time – from 24 hours to several weeks – he received a transfer to his bank account equal to the payment due to him.

Be careful, though, because you need to specify that the payment received depends on the formula being subscribed to. The reimbursement rate applied is the one provided in the contract and it relates to the care covered. Consequently, the reimbursement rate does not apply to the total amount of the invoice, but only to the amount of the treatment concerned.

However, you should be aware that the fee received can vary by many parameters. On the one hand, a deductible may apply. If it is not systematically included in the contracts, if it is, it can be in the form of a specific amount or a percentage and it can be applied to every payment request for the year. or in the first year (s). On the other hand, each contract is accompanied by an annual reimbursement ceiling, which is equal to the maximum amount an insurer agrees to pay its customers each year. In short, once this ceiling is reached, the dog or cat owner will no longer receive reimbursements and he or she will have to wait until next year to be reimbursed, even if he or she has subscribed to a 100% complete formula.

Health insurance for dogs or cats: is it beneficial?

In France, some pet owners take out health insurance for their little companion. However, veterinary fees are high and free to use in our country due to the very expensive fees that practitioners have to pass. Depending on the veterinarians and the regions, the costs can vary from simple to double. However, an animal needs veterinary care if its health requires it. If there is an illness or accident, the amount of these costs can quickly become large and have a severe impact on the household budget. Unfortunately, this fact leads many cat and dog owners to choose early euthanasia or refuse any care for their little companion.

So health insurance is a great way to take care of your pet. Depending on the formula chosen, the owner can benefit from a reimbursement of 50% to 100% of his expenses incurred in all or part of the care provided, within a limit of 600 euros to 2,500 euros per year. in most cases. The prevention package also makes it possible to reduce many annual costs.

Do you doubt this? Here are the average prices for some veterinary care found in France:

  • simple consultation: 40 euros;
  • consultation with a specialist veterinarian (behaviorist, osteopath, etc.): 60 euros to 80 euros;
  • sterilization: 150 euros to 350 euros;
  • consumption: 80 euros to 120 euros;
  • ultrasound: 130 euros;
  • chemotherapy: 300 euros per session;
  • euthanasia: 50 euros to 80 euros.

Health insurance for cats or dogs: what budget should you plan?

You see the average prices of the most frequent veterinary care. The advantage of health insurance lies in the fact that they can be reduced by about 50% to 100%. However, of course, such a service comes at a cost. But is this cost valid?

The contributions that must be paid by the owner of the insured dog or cat depend on the type of health insurance taken out. The higher the level of coverage, the higher the level of reimbursement and the more expensive the contribution amount.

  • For the basic formulait costs 5 euros to 12 euros per month on average, or 60 euros to 144 euros per year for the minimum payment and low annual ceiling.
  • For a comfort formulait requires 15 euros to 30 euros per month on average, or 180 euros to 360 euros per year for an average reimbursement and a reasonable annual ceiling.
  • For a premium formulait requires 30 euros to 80 euros per month on average, or more, i.e. 360 euros to 960 euros per year for almost complete reimbursement and high annual reimbursement ceiling.

Granted, the amount of contributions may be significant for the animal owner, but as for the amounts to be provided for the veterinary care the animal needs, it remains much lower. In fact, even a healthy cat or dog can get sick or have an accident. There is zero risk, including an animal that does not come out or has limited access to the outside. In fact, you or your guests can carry viruses and bacteria into the space of your home and contaminate your little companion.

Of course, if an animal is more exposed to risk and it is older, it will be more interesting for his owner to subscribe to a complete formula that will allow him to offer him the care he needs without restriction and to benefit from support. .high.

Note, however, that most pet insurance companies refuse to cover an elderly pet or an animal with a difficult medical history (congenital or other illness, accident, etc.). . In fact, these cats and dogs are more expensive than an insurer because they need more care. Consequently, in order to protect themselves from overly heavy coverage, insurers prefer to avoid the risk of coverage. Some companies that accept them apply for fares that are higher than usual.

As you understand, it is in your interest to insure your cat or dog as soon as possible, that is to say from the age of three months. The younger your animal and the less risk it is to be exposed to, the more able you will be to choose a lighter formula, for example intermediate. Advancing age or increasing risk may encourage you to review your level of protection for a premium formula. However, these complete formulas are always useful from the first years of the animal’s life because of their advantages. In addition, it is proven that a well-insured animal is in better health, because his master will no longer hesitate to consult a veterinarian with the slightest doubt. So she is usually cared for earlier and she benefits from early care.

Health insurance for cats or dogs: where to find the ideal contract?

To find the ideal health insurance contract, that matches your budget and the needs of your little partner, we recommend that you use an online comparator. This free, non-binding and fast tool is very effective in allowing you to receive suitable offers in seconds. All you have to do is fill out a short questionnaire that allows you to target your needs and then request detailed quotes for offers that might interest you.

It is up to you to compare the proposals sent to you with the same guarantees to choose the one that offers the best quality/price ratio in the market.

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