You have a pet like a dog or one cat to which you are very attached. You care about their health and well-being. It may be desirable to take out health insurance for him so that he is well covered in the event of an accident or illness. There is also insurance for NACS or new pets like for example: ferrets, reptiles, etc. here is a file allowing you to know the costs of insurance for your little companions according to the formula you choose.
The different insurance formulas for pets
In general, insurers covering pets offer three formulas specific to best meet the different needs of the animal and the budget of its owner. Depending of options chosen, guarantees, of repayment rate, of the existing franchise or not, the age of the animal, the prices of insurance for your pet are extremely variable. So you have to know what you want to cover for your little companion. Thus, we can say that they vary from less than 9 euros to more than 70 euros on average.
The different animal insurance formulas offered by insurers
Some formulas only reimburse part of the costs that you will incur such as:
- The accident
Some complete formulas support these three problems and you can add options like the support of vaccination, boarding, euthanasia and cremation costs. You can still choose the rate of your reimbursement which varies between 50% and 100% of the amount spent. Note that there are also deductibles with some insurers. You can lower them or even cancel them. You understand that the more options you add, the higher your contribution will be.
The other clauses provided for in an animal insurance contract
You should also know that the reimbursements provided for the health of your animals are also capped by most insurance companies. Some ceilings are 1,000 euros per year, others 2,000 euros or 2,500 euros per year. There are also 7,000 euros per year or more, but the contributions are also very high. There is still a waiting period ranging from one to three months depending on the insurance company when you take out a policy for your pet. Many insurance policies take dogs and cats according to their breed and age. For example, a dog will be insurable between 3 months and 8 years. After this period, you will need to find insurance that accepts insurance for your old doggie for a high monthly premium and exclusions for many illnesses. If animals have been the subject of an insurance contract for many years, they are also subject to a significant increase in their insurance premium each year. Some of them do not hesitate to exclude them after ten years.
What are the guarantees covering a pet?
There are therefore several guarantees that can cover a pet.
The lower, covers protects the animal in the event of an accident. It costs on average for an animal of about 5 years, about ten euros per month.
The intermediate guarantee will cover accidents and illness for an animal of the same age. Its average price will be between 20 and 30 euros per month depending on the reimbursement ceiling and the percentage you choose.
The full formula covers accident, illness, radiological examinations, and provides other services such as annual vaccinations, assistance with board costs, euthanasia, cremation or burial costs upon death. of the animal. For this formula, it takes between 30 and 50 euros on average for a 5-year-old animal. The premium also depends on the height of the deductible and the percentage for which you opt.
These prices are given as an indication and also vary according to the age of the animal and its breed. Note that insurance for cats is a little cheaper than that of dogs.
Insurance for NACS
NACS are the new pets. Among them, we find mainly:
- The rabbit
- The parrot
- The test-subject
- The gecko
- The hamster
- The snakes
- Goldfish, etc.
As they are more and more numerous, some pet insurance companies offer contracts to cover them. The prices vary according to the breed of the animal, its type, its breed and its environment. NACS represent 10% of companion animals in France. Some of these animals can live for a very long time, such as turtles and parrots, whose longevity is often around 100 years and more. Thus, it can be noted that insurance for a goldfish can be 5 euros per month, 10 euros for a rat and several thousand euros for rare reptiles. If you take out NAC insurance, be aware that to be reimbursed, you must have the care provided by a licensed veterinarian.
The main NACS that can be insured
You should know that many animal insurance companies will want to insure a NAC if it is:
For others who are more exotic, you will have great difficulty in insuring them.
Why take out pet insurance?
Like the hospital costs, surgeries and diseases are very expensive acts among veterinarians, it is good to take out animal insurance in order to be reimbursed. Some of these acts cost around 1,500 to 2,000 euros and many people hesitate to seek treatment for their animal when veterinarians tell them these amounts. Animal insurance allows you to be reimbursed for half, 70 or 80% of the amount or all if you opt for a 100%. It is therefore better to take out a small monthly sum than a large amount depending on the budget available.
If you want to take out animal insurance and know all the specific prices related to the various services offered, use a online comparator. This operation is free and completely free of engagement. You will receive many offers from various insurers and can choose the one that is most suited to your companion and your budget.