Anyone with a pet dreads the disease of their furry, legged or feathered companion. And this is even more true when it is necessary to incur significant healthcare costs. Taking out pet insurance can then be a good idea.
Why take out insurance for your cat or dog?
Animal insurance is not compulsory, but it can be greatly justified in certain cases. Depending on the age or breed of your animal, the risk of illness can be high and it is advisable to organize regular consultations with your veterinarian.
The cost of veterinary consultations.
The average bill for a consultation with the veterinarian is around 40 euros. But this does not cover other medical acts and especially hospitalization, the cost of which is very high.
To find your way around, here is an estimate of some of the care acts performed. You will notice that the prices can go from simple to double, because the fees are not framed and are often set freely by the veterinarians.
- sterilization: it takes between 150 and 300 €.
- castration: between 100 and 200 €.
- vaccination: around 60 euros for the most common vaccines.
- implanting a chip or tattoo: between 40 and 80 euros.
- the harvest: around 300 euros per session.
- surgery with hospitalization at the veterinary clinic can go up to 2000 euros…
Depending on the age and state of health of your pet, you will probably have to pay several hundred euros.
Thanks to animal insurance, your dog or cat can be covered for illness as well as for accidents.
When to get pet insurance?
But beware, to take out insurance, there are sometimes age limits or specific restrictions that apply depending on the breed or the health history of the animal concerned. Let’s take stock of what is practical for the different pets.
Insurers impose a minimum and maximum age for taking out a contract.
For dogs, you will generally not be able to insure a puppy under 6 months old; the same for dogs over 10 years old. Depending on the races, some insurers sometimes even refuse to insure a dog beyond its 7th year.
For cats, insurance companies agree to take out new contracts from the age of 2 or 3 months and up to 7 or 8 years.
But rest assured, if you take out a policy at the right time, your pet will be insured for the rest of its life. On condition, of course, of renewing his contract every year!
Which animal insurance to choose?
Most animal insurance companies offer three guarantee formulas.
- an entry-level formula which costs between 8 and 20 euros and which covers 50 to 60% of the costs incurred in the event of illness and accident.
- A mid-range offer, which is often the most interesting, because it is not much more expensive, but the reimbursement rates are much higher: around 80%.
- The top-of-the-range formula covers almost 100% of your expenses, but you will have to spend between 50 and 80 euros per month to benefit from it.
Apart from these offers, animal insurance offers additional services such as the “prevention costs” package which covers the costs of vaccination, the purchase of care products, pest control, etc.
Other animal insurance also offers options such as covered veterinary consultation abroad or even the teletransmission of care sheets by the veterinarian.
Depending on your profile, some of these options can be a real plus.
What is the best pet insurance?
The best animal insurance is the one that is closest to the needs and characteristics of the animal, but also of its master.
Insurance adapted to the profile of the animal.
Depending on the age or breed of your animal, you will surely have to cover many costs ranging from hospitalization to euthanasia.
A Labrador or a Golden Retriever often suffers from hip dysplasia. Flat museum dogs can have respiratory problems.
Cats such as Savannahs or Persians are known to be fragile.
As for pet birds, they require regular preventive care.
Other animals, young and robust, living in a protected environment are less likely to fall ill or have an accident.
Each animal is indeed particular in the risks of disease that it incurs and your veterinarian will be able, according to the case, to direct you or not towards an animal insurance.
Animal insurance adapted to the master’s profile.
It is also necessary to take into account the age and lifestyle of the owner of the animal to take out the best animal insurance!
Indeed, a sheepdog or a hunter’s dog does not run the same risk of injury as a bichon or an apartment cat.
In addition, if as a master, you risk being hospitalized, it is better to anticipate and take the option that will allow the animal to be taken care of in the event of immobilization.
Pet insurance comparators.
In any case, you can use a pet insurance comparator to personalize your request and receive quotes from several providers. These comparators list a large part of the market offer and play the competition. A way to make the right choice and save money on your next contract.
How to get your pet treated for less?
Veterinary schools offer care provided by students and supervised by qualified veterinarians. The care is chargeable, but the bill can be reduced by 30% compared to a classic consultation.
Namely that there are only 4 national schools of veterinarians in France.
Also, waiting times can be long.
- The National Veterinary School of Alfort (ENVA): https://www.vet-alfort.fr/
- The National Veterinary School of Toulouse (ENVT): https://envt.fr/
- The National Veterinary School of Nantes (ONIRIS): https://www.oniris-nantes.fr/
- The National Veterinary School of Lyon (Vet Agro sup): https://www.vetagro-sup.fr/
The Animal Assistance Foundation
Medical assistance to animals is one of the missions of this foundation. It treats more than 20,000 animals each year through consultations, vaccinations, X-rays, and even surgical operations against the sole reimbursement of operating costs. To find a dispensary near you.
The dispensaries of the Animal Assistance Foundation
The SPA has 12 clinics that allow people with low resources (homeless, social minima recipients, etc.) to have their animal treated, vaccinated, sterilized and identified. In 2021, the SPA treated more than 50,000 animals.
In order to help in turn the functioning of the dispensary. The masters who benefit from this care for their animal can participate freely in the costs
The Veterinarians for All Association (VPT)
Vétérinaires Pour Tous is an association of veterinarians whose aim is to offer vulnerable people the possibility of accessing veterinary care for their animals on French territory.
The principle of cost sharing: the veterinarian gives up a third of his fees, the VPT association pays a third and the person who owns the sick animal pays a third.
Access to this solution is based on the applicant’s resources. You must not be taxable and meet certain conditions. To check if you are eligible, visit: