You plan to take your pet on a next trip abroad, but what will be the consequences if he is the victim of an accident or if he is sick far from home? For your peace of mind and guarantee their well-being, take out a insurance to protect it. If the animal is already insured, it is essential to read the contract again. All the details of coverage, but also exclusions of warranty are detailed there. In this article, we take stock of the limits of pet insurance abroad.
General information on the risks covered abroad by animal insurance
If this trip is an opportunity for you to benefit your animal from multiple guarantees insurance, do not hesitate to play the competition. Indeed, the craze for pets and the growing fervor of the public for travel, encourage most insurers to position themselves in this niche. The number of animal health mutuals is soaring, each trying to stand out in a particular segment. AT you therefore, to carry out a sorting, in order to find the offers which best meet your expectations, while avoiding vague or ambiguous formulations.
2 main types of animal blankets
As with humans, these insurances operate on the mutual system. The principle consists in distributing between the individuals of a group, the costs incurred by the whole group, for a clearly defined risk. Animal insurance policies apply their services to two main types of risks: accidents and / or the diseases suffered by the animals themselves and theassistance to owners in difficulty when faced with a situation created by their animal. Within these frameworks, each company varies or combines, at will, the conditions and specific options to meet the needs of the greatest number, the target customers or its commercial policy. It is essential, before signing a contract, to check that it stipulates the scope of the guarantees. If they apply abroad, check in which countries, under what conditions and with what specific procedures and pay attention to the details of the exclusions. For example, a risk can be covered throughout the European Union and excluded in other countries or geographic areas.
The “accident / illness” cover abroad
These two risk classes are generally associated, but a few insurers differentiate them, or even manage only one or the other. On the other hand, the majority of renowned insurance companies extend all of their services to foreign territories. However, this advantage is granted for a limited stay, generally 3 months. In addition, almost all companies only insure people residing on national territory, residents of another country must insure their animals on site.
Each insurance offers two to five formulas, differentiated by the scope of the services, the reimbursement rate and the amount of contributions. Thus, for the same group, some formulas may include veterinary procedures performed abroad, while others exclude them. AT as an example:
- Thebasic formulas sometimes only insure the risks ofaccidents. Contributions are low, but reimbursement rates and the annual spending limit are low. The covers are basic. Treatment, assistance and costs abroad are rarely covered.
- The intermediate formulas cover the risks ofaccidents, of diseases and the pharmaceutical treatments. Reimbursement rates and caps are increasing, but so are tariffs. The cost of vaccination, sterilization and assistance may be included or offered as an option. Expenses abroad are generally defrayed.
- The high-end formulas are similar to insurance all risks. They cover 100% of expenses, still limited by a ceiling, but higher. The services, often flexible à la carte, justify a high contribution amount. Expenses abroad, always included, may be subject to certain restrictions.
Any exclusions are justified by previous pathologies, congenital, linked to malformations or proven faults of the master.
The “telephone assistance” warranty extension
Guarantee assistance can prove to be of great help when traveling abroad. It is of invaluable help in dealing with the most unpredictable emergencies and unpredictable contexts and overcomes the ignorance of the practices of local interveners. Source ofsavings, ofsilver, of time and of stress, assistance is a complementary service independent of the defrayal of veterinary procedures. It is intended to help you deal effectively with the smooth running of the various stages of their implementation. These services, still rarely offered by health insurance for animals, can be redundant with the services provided by other insurances, such as that of your home, your tour operator, your vehicle, etc.
Main areas of assistance
On a simple phone call sometimes free including since the foreigner, the assistance will inform you and / or take care for you, 24/24 and 7/7, of the services such as:
- Provision of contact details for surrounding veterinarians or on duty.
- Participation in research in the event of loss of the animal.
- The search for a foster home and / or a contribution to the costs of looking after your animal, if you were to be hospitalized.
- Information relating to the conditions of entry and stay in the country concerned …
This list, which varies depending on the insurer and the type of contract, is not exhaustive.
Reimbursement formalities for veterinary expenses abroad
Unless otherwise specified in the contract, veterinary costs are covered abroad under the same conditions as on national territory. The owner of the animal must make advance and be reimbursed upon return. Be careful, companies are picky about compliance with procedures, and it is very complicated, if not impossible to obtain additional documents a posteriori. Usually, you will need to provide the following supporting documents:
- Care sheet usual, dated, signed and stamped by the veterinarian, mentioning the type of pathology, the nature of the treatment
- Bill care or hospitalization paid, dated, signed and stamped.
- Order for treatments
- Bill acquitted for pharmaceutical products.
It is prudent to send all of these documents to your insurer without delay by electronic means (e-mail or cell phone photos). Keep the original and the proofs of payment for possible later checking.
What types of animals are affected
Insuring a dog, cat, ferret or rabbit for travel within the European Union is generally not a problem, if it is up to date. vaccine rabies, identified (transponder or tattoo) and holder of a passport European. Things get complicated for some destinations or when it comes to bringing what is known as a New Pet (NAC). Often classified as “wild”, they can be refused in transport, entry or stay in the country of destination can be prohibited or regulated and their return to France compromise. In all cases, a good precaution consists in having a recent international certificate of good health (<7 days).
All information on travel and stay conditions is available from your usual veterinarian, departmental services (DDPP or DDCSPP), embassies or consulates of the countries concerned. , use an online comparator free of charge and without obligation.