Medical costs for your dog or cat can be very heavy in the event that your pet becomes ill. To benefit from better coverage of costs, you can subscribe beforehand to a pet insurance. Find out what criteria to take into account for the subscription of a dog and cat insurance policy.
Why take out dog health insurance?
The subscription of a health insurance for dogs allows you to give your pet better care. Indeed, when he has a health problem, his veterinary care costs are partially or fully covered by the insurance company. These veterinarian costs can correspond to basic guarantees: hospitalization costs, care, medical costs, surgical costs, specific examinations, urine tests, x-rays, etc. According to the contract, the dog insurance company can also offer more extensive guarantees, such as annual vaccinations, veterinary consultations, antiparasitic and deworming products, check-ups, etc.
Subscribe to a mutual insurance company for animals gives you peace of mind in the face of the unexpected. Since the insurance company offers a reimbursement of the costs related to the care of the animal in the event of a health problem, you can preserve your budget.
What are the criteria for subscribing to mutual insurance for dogs?
There are many criteria if you are looking for a mutual dog contract. Your pet must meet these criteria to be covered by a best dog insurance.
The age of the dog
THE insurance companies generally only insure dogs from certain ages. This is, for example, the case of small puppies. These are too fragile. In the majority of cases, they are only insured from two or three months. The age of the dog must also not exceed a certain threshold (often between five and ten years).
The race
Almost all dog breeds can be covered by a pet insurance. However, some insurance companies do not cover guard and defense dogs as well as attack dogs.
The dog’s health
Can also be excluded frompet insurance dogs who have a significant medical history or who are in poor health at the time of subscription. For example, congenital pathologies or even constitutional anomalies are not covered.
Despite this, you are not obliged to present a certificate drawn up by a veterinarian when taking out the pet insurance policy. However, you are required to respond honestly and precisely to a specific questionnaire asked by dog insurance.
Identification by chip or tattoo
Your pet must be identified by tattoo or chip to be insured by a mutual insurance contract. This is a legal obligation imposed on dogs over four months old born after 1999. The dog must also appear in the national identification file.
Vaccines
Before the dog health insurance subscriptionmake sure your four-legged friend has received the following vaccines: Rubarth hepatitis, distemper, parvovirus, leptospirosis, rabies and viral gastroenteritis.
What details should you check before taking out dog and cat insurance?
Before signing your dog insurance policycheck the following:
- THE guarantees : to find the best insurance, check the list of guarantees covered by the mutual animal insurance;
- THE exclusions, which may be the costs incurred following a genetic disease or an accident that has already occurred, etc. ;
- THE waiting periodsduring which the covers do not apply;
- THE reimbursement limit ;
- THE deductible amounts annual.
To find a better dog health insurance offer, the best solution is to use our dog insurance comparisona practical, fast and efficient tool.
