Insuring your dog with animal health insurance is essential to ensure Its health throughout Its life. Indeed, the veterinary expenses incurred by the owner of the animal as well as the expenses related to preventive acts can be covered. It remains to choose the Plan and the level of guarantee best suited to the needs of the dog, to its category, and to the budget of its master. But it is also important to be aware of the general conditions in order to be fully informed of the length of the waiting period, the exclusions, and the amount of any excess.
Identify the needs of your pet
Depending on its breed, its age, its activity, the dog is more or less exposed to risks. It can be particularly sensitive to certain pathologies. It can also be very exposed to the risk of accidents. Thus, an elderly dog requires significant care related to aging. A hunting dog or a working dog makes constant efforts. Its heart, tendons, joints, and muscles are extremely stressed. Under strain, this type of dog, even perfectly trained, is frequently exposed to serious pathologies that require emergency intervention.
This is for example the case with heart problems, exercise myopathy, myoglobinuria. And that’s without counting the risks of contamination by wildlife, which is common in hunting dogs. Lyme disease, Aujeszky disease, leptospirosis can lead to the death of the dog. It is therefore essential to identify the needs of your animal before choosing dog insurance. And even if It’s never sick, the dog is not immune to a hazard that can lead to significant expenses.
As veterinary fees are set freely, they can weigh heavily on the master’s budget in the event of illness or accident. Insuring your dog allows It to be treated at a lower cost or quite simply to have Its health monitored by a veterinarian on a regular basis. they can weigh heavily on the owner’s budget in the event of illness or accident.
Dog health and prevention
Some Insurance companies for dogs generally offer a package including a Prevention package that complements traditional insurance. By opting for this type of animal health insurance, the owner offers his dog better health coverage. The acts included in the Prevention package may vary from one insurer to another, but we generally find:
- Sterilization costs,
- The annual health check,
- The installation of a transponder intended to identify the dog,
- Deworming and antiparasitic products,
- Eye and ear lotions,
- Cleaning products,
- Some accessories.
The particularities of the Prevention package are clearly specified in the general conditions which the dog owner must be aware of when signing a contract.
Study the dog insurance proposals
It is very easy to compare the different formulas offered by pet insurance companies. To do this, all you need to do is use a dog insurance comparator. After entering the name of the dog, its breed, its age, and some details about the owner of the animal, several free and non-binding quotes are offered. Each quote makes it possible to study the levels of guarantees and prices. In terms of dog insurance, there are generally three types of formulas, namely:
- The economic formula or reduced formula: inexpensive, it at least partially covers veterinary consultations, hospitalization, and surgical operations linked to major health problems.
- The so-called intermediate or Comfort formula: moderately expensive, it allows more or less coverage of the costs incurred in the event of even minor health problems.
- The complete Plan, also sometimes called Premium Plan or top-of-the-range Plan: it allows the handler of the dog to be reimbursed at 100% of the expenses incurred, within an annual limit of up to $2,500. A lump sum is also allocated to partially cover chemotherapy or radiotherapy. This dog insurance also covers part of the preventive acts such as vaccines, health checks, and reimburses certain products such as deworming for example.
Waiting period, exclusions, deductible: read the contract carefully
Before insuring his dog, the owner has every interest in reading the general conditions. They specify, for example, the length of the waiting period as well as the exclusions and possible excess. The waiting period, freely set by each insurer, is the period during which the dog is not taken care of. Indeed, if during the waiting period the dog becomes ill, the expenses incurred by his master will not be reimbursed. The guarantees take effect only at the end of this period. The waiting period allows the insurance company to verify the good health of the animal. Generally, between one week and two months, it can be – more rarely – set at six months. You should also know that some insurers do not impose any waiting period, which can be a plus.
Exclusions must be brought to the attention of the dog handler. They concern certain congenital, hereditary, and genetic diseases as well as health problems attributable to a pathology or an accident when they precede the signing of the contract.
As for the deductible, it is applied by certain animal insurances. When it is imposed, and according to professionals, it is between 20 and 150 $. The deductible is applied to routine care and can be increased as the dog ages. The owner of the animal has every interest in opting for dog insurance that does not apply a deductible in order to benefit from an optimal reimbursement. And whatever the contract chosen, it is always preferable to insure your dog as soon as possible, that is to say from the age of 2 or 3 months. Let us not forget that there is an age limit beyond which companies refuse to insure an animal.