As the owner or future owner of a pet, you most certainly think about the health of your companion and want to offer him the best so that he stays by your side as long as possible.
The question of animal insurance therefore naturally entered your mind. Today, you are planning to take out health insurance for your furball or featherball, but you would like to be able to be compensated as much as possible as soon as possible.
With this in mind, a pet health insurance policy, with no excess and no waiting period, is the option that best meets your expectations. Zoom in on this “all risks animal” insurance in this article.
What is an animal mutual without reimbursement period?
In 99% of cases, your animal health insurance will reimburse you as soon as you have paid veterinary expenses, bought drugs or specific health food for your companion. It takes 24 to 72 hours from the documents sent to the insurer to obtain reimbursement.
It is therefore improper to speak of mutual animals without a reimbursement period. On the other hand, pet health insurance contracts with no waiting period and no excess are popular with people in charge of animals and anxious to offer them the best existing guarantees.
What is the elimination period?
Many animal health insurers impose a waiting period. This term designates the time during which you pay your monthly contribution, without the guarantees of your contract being able to come into play.
Indeed, faced with the abuse of animal insurance underwriters, most insurance companies have imposed a waiting period. Thus, the owner of a sick or injured animal who wishes to subscribe for the sole purpose of obtaining immediate reimbursement cannot do so.
However, animal insurance without a waiting period does exist! But, the insurer will verify that the owner of the animal is not already aware of an illness or an accident to avoid reimbursing veterinary expenses already incurred or about to be.
Here are, in general terms, the prerequisites to be met in most cases to be able to take out this type of contract:
- Your pet must be young
- He must be in good health (you will need to provide a veterinary certificate to prove this)
- He must not have a significant medical history (you will probably have to attach a complete health check-up to this effect)
What is the franchise?
The deductible, generally provided for in animal health insurance contracts, designates the minimum amount that you will have to pay, despite the coverage of the insurer.
Thus, if you have a deductible of 50 euros in the event of hospitalization of your companion, this means that for a veterinary intervention amounting to 300 euros, your insurer will reimburse the sum of 250 euros and you will have to pay out of your pocket the sum of 50 euros.
Animal insurance contracts without excess are not numerous, but exist. They are rare and expensive but have advantages such as:
- Covering all veterinary expenses incurred
- Reimbursement of drugs, identification and sterilization costs
- Serenity both for your finances and for your mind, relating to the well-being of your favorite animal
For these reasons, the term all risks animal insurance is commonly used, because the contract taken out is one of the most protective available on the market.
How to take out animal health insurance without restriction?
To insure your pet, whether it is a dog or a cat, without waiting period and without excess, you will need at least 20 to 30 euros per month.
In the event of an accident, by nature unpredictable, or sudden illness, your animal is safe since your insurance contract very quickly covers all or part of its health costs.
What are the advantages for you?
When in doubt, you are more likely to go to the vet to have your pet checked out and make sure everything is okay. Thus, consulting becomes an easy process that has little or no impact on your budget.
In addition, it facilitates the early detection of diseases and pathologies. The advantage is threefold: the serenity of the owner, the immediate care of your animal, overall lower veterinary costs.
How to subscribe at the best price?
In order to provide an excellent health guarantee for your favorite pet, it is advisable to compare animal insurance offers online. It’s simple, fast, free and without obligation.
In a few clicks, you have access to the best contracts and easily view:
- Ceilings, deductibles and waiting periods
- Reimbursement rates
- Guarantees and related exclusions
- The prices of various insurance companies
Compare online without delay: the younger and healthier your pet, the more access you have to offers without reimbursement periods. Click, compare, secure!