Insuring your dog with animal health Insurance is strongly recommended. This allows the animal to benefit at a lower cost from all the necessary care in the event of illness or accident. But to be insured by pet insurance, the dog must meet certain criteria. Identification, age, breed, state of health are among the conditions required for the subscription of a dog insurance contract to be possible. The master must therefore carefully study the various contract proposals before insuring his faithful companion because these subscription conditions can vary significantly from one company to another.

Read the exclusions from the contract

Before completing the subscription file, the owner who wishes to insure his dog must be aware of the exclusions by carefully reading the general conditions. They identify everything that cannot be covered by the contract.

Hereditary diseases, congenital ailments, chronic diseases contracted by the animal before the subscription are part of these famous exclusions. Likewise, diseases contracted during the elimination period and all that would result from it thereafter are also excluded. This means that all veterinary care related to these different health problems will not be covered by animal insurance.

While dangerous dogs were still excluded a few years ago, some insurance companies now accept to insure dangerous dogs, namely:

  • Attack dogs: Dog 1st class
  • Guard dogs and fighting dogs: Dog 2nd class.

When you own this type of dog, you must check before signing the contract that this mention appears in the general conditions.

Dog insurance: beware of the age limit

Age is also a condition imposed by insurers. To be eligible for insurance, the dog must be at least 2 or 3 months old. As for the age limit beyond which the insurer is likely to refuse to insure the animal, it is between 6 and 10 years. It is set by the professional according to the breed of the dog because it is established that the life expectancy of canines differs from one breed to another. Thus, dogs are classified into four categories: small breed dogs, medium breed dogs, large breed dogs, giant breed dogs. Statistically, the bigger the dog, the shorter its life expectancy. Usually, it’s 9 years old for a giant dog breed and 15 years old for a smaller dog breed.

Of course, the age of the dog can be completely unknown to its owner. This is the case when the dog has been found for example. It is then essential to turn to a veterinarian because his only declaration is authentic to the insurance company.

The dog must be identified

Some companies require dog owners to identify their faithful companion; an obligation which gradually extended to other pets. The most commonly used identification system is the electronic chip, also called a transponder. Insurance companies refuse to take care of unidentified dogs. The owner of the animal therefore has every interest in having his animal identified by a veterinarian before taking out a dog health insurance contract.

The transponder inserted under the skin by a veterinarian contains a unique number. Remember that the identification of the dog is very important because it facilitates searches in the event of the theft of the animal, or if the dog gets lost.

The dog must be vaccinated

Insurers generally require the dog to be insured to be vaccinated. Certain vaccines are indeed imposed by professionals, such as the vaccine against rabies or the vaccine against distemper. Beyond the fact that professionals frequently impose this admission condition, having your dog vaccinated makes good sense. It is an act of prevention that allows in many cases to protect the health of his faithful companion. Vaccination against certain diseases is all the more important as the dog is highly exposed to the risk of contamination. It is for example the case of the hunting dog which is better to vaccinate against leptospirosis. The vaccines required by insurers before taking out a contract are specified in the general conditions. If the vaccination follow-up is no longer up to date, they can terminate your dog insurance policy at any time.

The waiting period

Even if the dog meets all the criteria for admission to the dog mutual (age, breed, state of health, vaccination, identification), It may still be imposed a waiting period. This is a period during which no support can be granted. A kind of testing, this waiting period simply allows the insurance company to verify the good health of the dog. Many animal insurers still impose a waiting period of 7 days to 2 months, or even longer. A medical questionnaire may be required by the insurer at the time of subscription. It must be established by the veterinarian. The purpose of this health questionnaire is to certify that the dog is neither injured nor sick.

Reduced subscription conditions

To face the competition, more and more pet insurance companies are trying to ease their underwriting conditions. Thus, the owner of a dog may be offered a contract for his animal aged 10 years or more. Likewise, dangerous dogs are no longer systematically refused by insurers. Many professionals no longer impose a waiting period, others have revised its duration downwards for dogs showing white paws. There is an increase in contract offers with no waiting period and no health questionnaire. In order to choose the best mutual insurance for dogs, the owner can compare all the offers using an animal insurance comparison tool. Simple and efficient, the comparator allows you to know the guarantees in a few minutes.

About Amanda

Passionate about animals, Amanda draws her expertise from her training as an educator, pet behaviorist as well as her extensive experience with animal owners. A specialist in dog and cat behavior, Amanda continues to learn about our four-legged companions by studying veterinary reference books but also university research sites (UCD, Utrecht, Cambridge, Cornell, etc..)

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