How to choose a pet insurance?

The care of a pet are expensive, and many, such as vaccines, are essential. This is why veterinarians are the first to recommend specific in...

The care of a pet are expensive, and many, such as vaccines, are essential. This is why veterinarians are the first to recommend specific insurance to limit the expenses related to the health of the animal.

What is a pet insurance?

The animal health insurance is there to cover your dog's health costs, cat or other pet in the event of accident or illness . Also called Mutual animal, it must be distinguished from civil liability covering the owner for damage caused by the animal. The insurance covers you in a case of illness or injury to your pet, and your veterinary expenses are reimbursed in part or in full . This allows you to "manualiter" your veterinary expenditure and to be safe from a financial blow in case of contingencies.

How does this type of insurance?

The pet insurance is in many ways similar to a conventional health insurance. The process to get a refund are simple and quick to perform. Must complete a treatment form (issued by the insurer) at the time of appointment to the vet. The latter delivers you a bill that you pay on the spot. Then just to send a care sheet and carefully filled the bill to your animal mutual , that will handle your and implement a refund by bank transfer.

What assurance choose?

There are various formulas which more or less cover expenses as needed . You can choose an insurance that covers expenses in case of illness, injury or surgery. The more you choose guarantees, the higher the price will be high. So take into account the age of your pet and hereditary history to assess the risk of disease.

The economic formulas support costs associated with large seeds: examinations, operations, hospitalizations (or any other veterinary act incurring significant costs immediately). They are cheaper because they repay only large losses. Intermediate forms also provide the costs associated with benign diseases. Finally, some premium formulas also offer reimbursement for prevention costs: annual checkup, vaccinations, pesticides ... According to the formula you choose, the monthly fee can range from simple to double . Pay attention to the possible evolution of this amount may increase over time. To avoid this, compare the mutual free animals to find one that fits you the best price. The College of Veterinarians has adopted a charter with the aim to establish better collaboration between veterinarians and insurance professionals in animal health. Indeed, the arrival of the pet insurance in France was marred by abuses among insurers, which contracts lacked transparency. The work of the commission helped restore the mutual trust between the professions and to develop insurance for dog or cat. Finally, check out the termination conditions contained in the terms and conditions. For most companies, the guarantee in the animal's life is not assured.