How dog insurance works

Pet owner, would you like to insure it? What steps should you take to insure your dog? And first, what is the point of taking out insurance for your pet? Mutual animal health has similarities with mutual for the family. We explain in detail the formalities for taking out canine insurance and being reimbursed for care.

Why should you insure your dog?

Asking yourself the question of whether subscribing to mutual insurance in the name of your dog is very useful is quite legitimate. Surely you are afraid of superfluous expense. On the contrary, know that having a mutual animal can be of great help when your faithful companion encounters health problems.

Indeed, having your pet treated is very expensive. Consultations with the veterinarian, medication, operations, rehabilitation… All this care represents a budget, which can sometimes amount to thousands of euros. If you take out dog insurance, you can be reimbursed for health expenses incurred for your animal, partially or fully. In exchange, you will have to pay a monthly or annual fee.

Steps to insure your dog

There are several pet insurers. Each insurance company offers its own formulas including guarantees and different reimbursement rates.

Before taking out mutual animal health insurance, compare the various existing offers. Take into account the amount of the contributions as well as the guarantees, ensuring that they correspond as much as possible to the needs of your dog. Depending on his age, his race, his state of health, the formula of the insurer will be more or less interesting. To do it faster, use a dog insurance comparator. You will get free, no-obligation quotes. It is then up to you to study them to subscribe to the offer that seems most suitable to you. Beware of conditions. Sometimes, canine insurance sets up reimbursement ceilings and deductibles.

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The top-of-the-range formula obviously represents the most effective health protection. It takes care of preventive actions in addition to emergency transport, assistance, etc.

In general, dog insurance represents a annual expenditure of around 200 euros.

dog insurance, to be reimbursed for treatment

Has your faithful companion been ill or the victim of an accident? You took him to a vet. How do I get reimbursement for treatment?

When you consult a professional for your pet, you must imperatively send a care sheet to the mutual insurance company for animals. Thanks to this paper, the care will be reimbursed to you. The care sheet can be obtained from your insurer or downloaded. The veterinarian will indicate on your blank care sheet the useful information: date, name of the animal, nature of the care. He will also affix his stamp. If your dog has been the victim of an accident, the master must report the circumstances on the care sheet. For his part, the veterinarian sends you the invoice which you must pay.

Then send the care sheet to your insurance company along with the supporting documents (paid bills, prescriptions if necessary). You have fifteen days to send your letter to the insurer. Refunds vary between two and fifteen days. They are made by check or bank transfer.

Namely, some canine insurance practices third-party payment, that is to say that you have no costs to advance.

Taking out health insurance for your pet represents an additional expense that can weigh on a tight budget. Before taking out a contract with a canine insurer, ask yourself the right questions. In the event of sudden illness or accident, would you be able to pay for all your pet’s care? If the answer is negative, perhaps it would be wise to take out complementary health insurance in the name of your faithful companion.

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Read also: Mutual insurance for dogs: advice for choosing the right contract

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