Purebred dog or cat: how to secure them at the best price?

Your pets have an important place in the family and it is important to take care of them. However, if your purebred dog or cat is dealing with health problems, veterinary costs can quickly become expensive. This is why most insurers offer different pet insurance formulas. Let’s find out how to insure your pet at the best price while benefiting from good care.

How much does purebred dog and cat insurance cost?

The price of pure dog or cat insurance varies according to the insurance company and the formula chosen. It adds criteria specific to your animal such as its age, breed and health status. You can find pet insurance for less than 10 euros per month.

An attractive rate, but it depends on many factors that increase the insurance premium, and race and age are one of them. And of course, the level of guarantee and the options chosen influence the amount of contributions. It is therefore important to compare different offers to find the best dog or cat insurance.

I found the best insurance for my pet

What care does dog and cat insurance cover?

Purebred dog and cat insurance typically covers:

  • Veterinary consultations
  • Laboratory analysis
  • Radiotherapy sessions
  • The cost of surgery, anesthesia and hospitalization
  • Vaccination fee
  • Certain medications

If you opt for a more comprehensive formula or options, you will benefit from additional payments for specific treatments.

Beware of warranty exclusions: Most insurance contracts have exclusion cases: an animal that was sick before the insurance or too old, a chronic or genetic pathology, care related to an accident or an illness that occurred before membership… So it is important to inform yourself well in advance.

Should you get the cheapest animal from each other?

As mentioned above, the price of dog or cat insurance depends on many criteria and the level of cover taken out. In general, insurance companies offer 3 formulas:

  • The economic formula covers less than or equal to 70% of the costs incurred, with a ceiling of approximately €1,500 per year.
  • The intermediate formula has a reimbursement rate of between 70% and 90%, with an annual ceiling of approximately €1,800
  • The top-of-the-range formula covers all costs related to routine and preventive care, with an annual ceiling of €2,000.

Here is a table of insurance prices (dog and cat) found on Lecomparateurassurance.com in 2022 according to the level of coverage. This is the price per month. The more coverage you have, the higher the insurance, but you will have a good payout in case of illness or accident with your pet. Do the comparison to find the price that corresponds to your animal.

lecompareteurassurance.com rates observed 2022
lecompareteurassurance.com rates observed 2022

What to remember if you want to ensure your pedigree animal

To choose the insurance at the best price and most suitable for your animal, you need to analyze different points.

The insurance contract clauses, in particular:

  • Treatments are covered
  • The support rate
  • The payment limit
  • The duration of the coverage
  • Exclusions
  • The amount of deductibles

Your animal’s characteristics, especially:

  • His age
  • Their breed (some breeds are more likely to have health problems)
  • His current state of health

In any case, it is strongly advised to compare the different offers on the market. For this, you can make different quotes online through our pet insurance comparator.

Tip: insure your dog or cat from a very young age to benefit from the best coverage. In addition, insurance contracts cover preventive costs (vaccination, deworming, etc.) that help preserve the health of your pet.

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