Owning a pet comes with a lot of responsibility. In addition to food and accessories, an owner must also be able to cover the medical expenses for their dog or cat in the event of illness or accident.
In a survey conducted by Wamiz in 2017, 1 in 2 French people claim not to be able to take on significant expenses to look after their pets. If the respondents admit to having given a certain budget to their animal’s health (380 euros on average), an accident or a sudden illness involves a significant expense that few of them can bear.
Why take out pet insurance?
Although it is not mandatory in France, taking out health insurance for dogs or cats can help an owner with unexpected health expenses. Depending on the contract and the guarantees taken out, pet insurance can cover part or all of the bill.
The health contract will thus cover consultations, veterinary treatment, examinations carried out, costs of hospitalization, surgical interventions, purchase of medicine or even the death of the animal.
Count between 4 and 45 euros per month for dog and cat insurance, depending on the contract signed.
How long does it take to receive a refund from animal health insurance?
The repayment period will depend on the dog and cat insurance companies. To receive the reimbursement, the consulted veterinarian must complete a care form, and the owner must attach the medical bill.
Today, some companies like Agria Assurance pour Animaux offer more options to their customers. They can thus “declare care by e-mail” or by “mail”. To speed up the refund, it is better to choose a dematerialized shipment.
During the entire process, the insurance company’s management department keeps the policyholder informed about the processing of his case via e-mail. It is also possible to follow the status of your refund requests as offered by Agria in the personal area “My Agria”.
How to choose the best pet health insurance?
Before you take out dog and cat insurance, it is important to compare the different companies’ offers. Most insurance companies offer free, personal quotes online.
A comparison will allow a future insured to study different criteria in his contract. It is important to be aware of the degree of coverage, the reimbursement limits for veterinary expenses, the exclusions of guarantees and the size of the deductible.
In addition to these elements, be aware that some dog and cat insurance policies stand out from the competition by, for example, offering cover for all animals regardless of their age.
This is the case with Agria Assurance pour Animaux, which welcomes all dogs and cats, even over 8 years. All breeds are affected, even category 1 and 2 dogs.
There is also a 20% discount for puppies and kittens insured within 4 months during the 1st year of the contract.
When drawing, the insured animal is covered within 24 hours for accidents and accident-related operations and within 20 days for illnesses and illness-related operations. Please note that the application and administration fees are completely free.