Your pets have an important place in the family and it is important to take care of them. But when your purebred dog or cat is faced with health problems, veterinary costs can quickly become expensive. This is why most insurance companies offer different formulas for pet insurance. Let’s find out how to insure your pet at the best price while enjoying good care.
How much does purebred dog and cat insurance cost?
The price of pure dog or cat insurance varies according to the insurance company and the chosen formula. In addition, there are criteria specific to your animal, such as its age, breed and state of health. You can find pet insurance for less than 10 euros per month.
An attractive rate, but it depends on several factors that increase the insurance premium, and race and age are among them. And of course the level of guarantee and the options chosen have an impact on the size of the contributions. It is therefore important to compare the different offers to find the best dog or cat insurance.
What care is covered by dog and cat insurance?
Purebred dog and cat insurance mainly covers:
- Veterinary consultations
- Laboratory analyses
- Radiotherapy sessions
- Costs for surgery, anesthesia and hospitalization
- Vaccination Fees
- Certain medications
If you choose a more comprehensive formula or options, you will receive additional subsidies for specific treatments.
Beware of warranty exclusions: Most insurance contracts contain cases of exclusion: an animal that is sick before the insurance or too old, a chronic or genetic pathology, care in connection with an accident or an illness that occurred before the membership… It is it is therefore important to inform yourself in good time.
Do you necessarily take the cheapest mutual animal?
As mentioned above, the price of dog or cat insurance depends on several criteria and the level of cover. In general, insurance companies offer 3 formulas:
- The financial formula covers less than or equal to 70% of the incurred costs with a ceiling of approx. €1,500 per year.
- The intermediate formula has a reimbursement rate of between 70% and 90% with an annual ceiling of approx. €1,800
- The top-of-the-range formula covers all costs associated with routine and preventive care with an annual cap of €2,000.
Here is a table of insurance prices (dog and cat) quoted by Lecompareteurassurance.com in 2022 according to the level of coverage. This is the price per month. The more you are covered, the higher the insurance will be, but you will receive good compensation in the event of illness or accident for your animal. Make the comparison to know the price that corresponds to your animal.
What to remember if you want to insure your pedigree animal
To choose the insurance at the best price and the most suitable for your animal, you must analyze various points.
The provisions of the insurance agreement, in particular:
- Treatments covered
- The support rate
- The refund limit
- Duration of coverage
- Exclusions
- The size of the deductible
Your animal’s characteristics, in particular:
- His age
- Your breed (some breeds are more likely to have health problems)
- His current state of health
In any case, it is strongly recommended to compare the different offers on the market. For this, you can make various offers online via our pet insurance comparator.
Tip: insure your dog or cat from a very young age to get optimal coverage. In addition, insurance policies cover preventive costs (vaccination, worming, etc.) that help maintain your pet’s health.
