Which insurance to choose for your pet?

In France, as in other European countries, it is essential to take out insurance for pets. The different formulas offered by insurers are sometimes difficult to distinguish. Follow our tips for find the best pet insurance !

Insure your pets at the right time

Pets need insurance just like their owners. This generally applies to dogs and cats. Due, they have a longer lifespan (between 10 and 25 years).

Your little furry friends can become seriously ill. Hence the need to take out pet insurance. Wait for the perfect age to insure your furry friends. Below 3 months, they are not yet insurable. From 5 or 10 years, the insurance premium may be higher.

Take into account the waiting period of the contract

Let’s not forget thatpet insurance always has a waiting period. This is simply the period during which your pet is not yet insured. It can last only a few days. But on some formulas, this period is extended by a few months.

Compare the protection levels of different formulas

note that not all pets are insurable. This is particularly the case for attack, defense and guard dogs. On the other hand, new pets can benefit from health cover (rabbits, hamsters, ferrets, parrots, etc.). In all cases, check the protection levels of different formulas. Obviously, they are not equal. In general, pet insurance should cover:

  • Veterinary fees.
  • Prescribed drugs.
  • Analyzes, X-rays and other recommended examinations.
  • Hospitalization costs, stay in veterinary clinic.
  • Transport costs (by animal ambulance only).

Expenses generally covered at 50 to 80%. Beware of contracts promising 100% refunds. Often, they are accompanied by a deducted remaining charge.

Prioritize support services

The best pet insurance often includes assistance services. This may include reimbursement of accommodation costs in case your animal needs to be cared for on site. If you are hospitalized, your furry friend will be cared for in a kennel for 30 days.

Other insurers offer a death benefit. This is very useful especially if your dog or cat dies from an accident or illness. Of course, the support services can change the situation in terms of the total cost of the envelope.

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