Animal health insurance is essential if you want to treat your faithful companion without spending a fortune. It remains to choose the insurance contract best suited to the dog, depending on Its age, his state of health, and of course the household budget. For a reasonable premium, insurance must be able to provide good coverage. Among the selection criteria, the absence of a deductible can make a difference. In fact, dog insurance without excess offers completely satisfactory guarantees and reimbursements without surprises. It, therefore, represents an interesting solution for the dog owner. Update on its operation.
Dog insurance: what is the deductible?
Variable from one insurance company to another, the deductible is the amount remaining payable by the owner of the dog. It is an anticipatory solution put in place by insurers to compensate, if necessary, for exceptional payments. It can be either a percentage that the insurer applies to the cost of routine veterinary care, or quite simply a fixed annual sum generally between 20 and 150 $. On the other hand, the deductible does not apply to preventive care, which is reimbursed on a flat-rate basis. By current care is meant hospitalization, surgical operations, imaging, laboratory analyzes, various treatments for illness, or accident. There are two types of deductibles:
- The deductible per act: the insurer deducts a percentage of up to 25 to 30% of the expense incurred by the owner. It applies to each reimbursement of a veterinary procedure.
- The annual deductible: it is deducted only once a year from the first reimbursement of the current year. Low for mini contracts, it can represent several tens of euros for high-end contracts.
In many animal mutual companies, the deductible is scalable, that is to say, it increases over time. It is therefore higher when the dog is old. However, an aging dog is likely to require more care than a young dog. This is why it can be much more financially advantageous to opt for a dog insurance contract without excess, especially when you have an elderly animal or in fragile health, especially if the insurer applies a deductible by act.
Advantage of dog insurance without excess
The advantage offered by dog insurance without deductible is of course financial since no deduction is made in this respect by the insurer. When you have a small budget, this type of contract is the one to which you turn more readily. Since reimbursements for veterinary procedures are not charged against this famous deductible, the dog owner does not hesitate to have his faithful companion treated. As a consequence, dog insurance without excess is a security for the animal all the more if it is fragile and it must frequently consult its veterinarian, undergo various examinations, undergo heavy treatment, or be operated on.
Dog insurance and no deductible: a significant financial gain
It can be difficult to realize that a deductible can represent a large sum, especially – as we have pointed out – when you own a dog that requires frequent care. Reimbursements for costs incurred are considerably reduced when the insurer applies a fee-for-service deductible. As an indication, here are some examples of prices applied by animal health professionals for routine procedures.
- Veterinary consultation: 35 $ on average and 70 to 100 $ with a behaviorist veterinarian
- X-ray: 35 to 45 $ per image
- Ultrasound: between 35 and 75 $ depending on whether it concerns a single organ or several
- Surgical intervention in the case of dilation-torsion of the stomach: 400 $. SDTE (Stomach Dilation / Torsion Syndrome) is common in giant breed dogs.
- Removal of a breast tumor: $ 500
- Placement of a pin following a broken leg: 500 $
- Radiotherapy: $ 1,300
- Fitting of a hip prosthesis: $ 1,800. This operation is common in large breed dogs more frequently affected by hip dysplasia.
When a 30% fee-for-service deductible is applied to these routine procedures, this leads to a significant drop in reimbursements. In the case of dog insurance without excess, financial support is much more advantageous.
Compare dog insurance without excess
If the absence of a franchise is a significant financial asset for the owner of the dog, that is not the only selection criterion to consider. When choosing an animal health insurance contract, it is essential to also take an interest in the scope of the guarantees, the annual reimbursement ceiling, the age limit beyond which the company refuses new insureds at four. paws. The absence of a waiting period is also one of the non-negligible selection criteria. This elimination period, applied by many companies, represents the period during which the newly insured animal is not yet covered. This period allows the insurer to verify that the animal is in good health.
Today, competition requires, more and more insurers for animals do not apply any deductible or waiting period. No amount is therefore deducted from reimbursements and the dog, cat, or other is covered as soon as the contract is signed. With a dog insurance contract with no deductible and no waiting period, owners are more relaxed, sheltered from unpleasant surprises. As veterinary procedures cost more and more, there is no need to add to the expense.
Thanks to the online dog insurance comparator, it is quick and easy to find the best contract offers with no excess, no waiting period, and which perfectly cover the dog at a lower cost. Several quotes can be requested, without obligation. They allow an in-depth study and a perfect comparison of the different proposals. Reimbursement rate, annual limit, acts covered, cost of the insurance policy, age limit of the animal to be insured, exclusions: everything must be analyzed with a magnifying glass by the owner of the animal before taking a decision.