An animal followed early and regularly by a veterinarian increases their chances of aging well. In addition to routine care, unforeseen – like an accident or illness – which quickly add to the bill. Insurance companies offer plans tailored to the needs of everyone: dogs, cats and NACs. But what are the age conditions set by these bodies?
What is the minimum age to insure my animal?
Age represents a criterion major in purchasing pet insurance. Age limits vary depending on the provider: some companies offer health coverage for dogs and cats from 2 months when others set it at 3 months. This age corresponds to the animal’s adaptation to its new diet and its development. physiological. On the other hand, kittens and puppies are often rowdy and are easily victims ofaccidents requiring expensive care. In addition, their still very fragile health makes them susceptible to contracting various diseases. Regarding NACs, the minimum age required is 3 months whether for rabbits, chinchillas, ferrets, guinea pigs, reptiles, birds, etc.
What is the maximum age to insure my animal?
It is generally accepted that cats and dogs fall into the category senior at 7 years old. As they age, pets will experience increased health problems such as joint difficulties, cardiac, kidney deficiencies, etc … With the decline in visual and hearing acuity, felines will gradually lose their ability to detect danger, thus increasing the risk of accidents or falls. Visits to the veterinarian are more frequent and increase the budget spent on care. In this context, the vast majority of insurance companies refuse an animal of 7 years or more. Some do not accept to cover animals over 5 years old and others, more rare, push back this limit to 10 years. But these exceptions come at a price, because the older the animal, the more expensive the covers and the limited guarantees. Among seniors, franchises are more important as well as the waiting periods. For the NAC, the age limit for subscribing to a contract is generally set at 3 years (up to 10 years for a parrot with a longer life expectancy).
Are there health insurances with no age limit?
If your budget allows it, mutuals offer contracts limitless of age. Logically, their subscription is more expensive because it is proportional to the risks taken by the provider. The formulas are generally available à la carte: accident, illnesses (diabetes, hyperthyroidism, renal impairment, periodontitis, etc.), major surgeries … it’s up to you to select the options that you think are the most suitable for your companion. To find this type of coverage, you can use a free online pet insurance comparator. After filling out a form providing the characteristics of your animal and your expectations, you will receive the most competitive of the market. It may be wise to subscribe to a contract covering the costs of euthanasia andfuneral of your animal.
If you don’t know the exact age of your pet …
You adopted an animal whose date of birth is unknown. Can you offer him health coverage without this information? (As a reminder, theidentification pets is compulsory). Without official document, know that the declaration of a veterinarian will be authentic. To determine its age, its expertise will be based on the general condition of the dog or cat: observation of the coat, eyes, muscles and especially its dentition. Indeed, the incisors, fangs and premolars grow at a well defined age in our hairballs. If the expertise is more precise in young animals, the professional will still be able to assess a age range which the mutual insurance company needs to accept or refuse membership. For NACs, the veterinarian has other methods such as the use of the height / weight / age ratio which will also make it possible to provide an age approximate.
The other determining criteria for insuring your animal
In addition to the age conditions, some mutuals integrate the size and weight of the animal to adjust their prices. The race is also one of the criteria taken into account in the different formulas due in particular to the predispositions certain diseases: German Shepherds, for example, tend to suffer from dysplasia and Australian Shepherds from eye problems (cataracts). On the other hand, life expectancy differs considerably depending on the breed: from 9 years old for a Saint Bernard to 16 years old for a dachshund. However, you will find organisms on the market that do not distinguish between breed or type for dogs and cats. NACs can also be the subject of formulas adapted to the risks of disease and weaknesses specific to each species.
What conditions must be met to insure your animal?
To be able to take out health insurance for your dog or cat, insurance companies will ask you for its health. Your companion must also be up to date with his vaccines and not present any chronic, hereditary or congenital diseases to benefit from the guarantees of the contract. You will have the choice between several formulas offering a refund partial or your total costs. Remember to check the deadlines deficiency which can be 30 days in the event of an accident and 60 days in the event of illness, during which time you are not compensated. Note: some organizations offer packages prevention to perform acts such as vaccination, antiparasitic treatments, deworming or sterilization of your animal. Faced with the many options available, you will easily find the blanket health that will meet your expectations in every way.