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can I take out insurance?

To take out an insurance contract for their dog or cat, many pet owners are forced to fill out a health questionnaire that summarizes the background of the tomcat or doggie and indicates its age.

This precaution allows the insurer to protect itself from animals that are sick, fragile or at risk of suffering from congenital diseases and therefore potentially expensive to cover. However, when this medical history is unknown, is it still possible to take out a mutual health insurance contract? Let’s do a check in.

What types of health insurance for dogs or cats are available on the market?

The owner of a dog or a cat who wishes to preserve the health of his little companion can take out a dedicated mutual insurance contract. Within the majority of insurance companies, there are three main categories of formulas.

  • The basic formulas are economic offers that only cover the costs related to illness and/or accident up to 50% to 70% only. Nevertheless, if they are not very covering, they are also inexpensive since it takes between 5 euros and 15 euros per month of average contribution.
  • Comfort formulas are intermediate offers. More covering than the basic formulas, since they also include the costs related to certain examinations and sometimes to the pharmacy, and they provide for a reimbursement rate of between 70% and 90%. In terms of contribution, it is necessary to count between 12 euros and 30 euros per month approximately. These are the formulas most subscribed to by cat and dog owners due to the good compromise they offer in terms of coverage/price ratio.
  • Premium formulas are high-end offerings that provide coverage for almost all veterinary care as well as euthanasia and funerals. If they include a reimbursement rate between 90% and 100% as well as many advantages, they are the most expensive, with a monthly contribution of around 30 euros to more than 80 euros.

The principle of health insurance for dogs or cats is simple. During a veterinary consultation, the owner of the animal gives the practitioner a care sheet previously provided by his insurer. After paying for the procedures performed, he sends his insurance company the detailed invoice for the care provided as well as the care sheet duly completed by the specialist.

Within a period that can vary from just 24 hours to several weeks, he receives a refund from his insurer, in the form of a bank transfer. The amount of this reimbursement depends on the care covered by his contract and the expected reimbursement rate. Consequently, it should be emphasized that the reimbursement rate is not applied to the total amount of treatment, but only to the cost of the treatment concerned and covered.

In addition, the amount of reimbursement received can be modified according to two parameters. The deductible, which is not offered by all companies, is a hold on reimbursement which can be applied as a percentage or a fixed amount and can be deducted from the first reimbursement(s). (s) of the year only or on each of them. In addition, the annual reimbursement ceiling, which corresponds to the maximum amount that an insurer agrees to reimburse its client per year, may limit the amount of reimbursement collected if it is reached. Indeed, depending on the companies and the formulas, it can vary between 1,000 euros and 2,800 euros in most cases.

The age and state of health of the animal, important parameters for insurers

There is no formula for insuring a cat or a dog, but multiple tailor-made contracts. Each insurance company can freely define its formulas and the guarantees they include, but also their price. The conditions for obtaining a contract are also freely applied and any breach may lead to the refusal of cover or exclusion.

Many insurers require pet owners to have a medical questionnaire completed by an approved veterinarian to verify that the cat or dog is not sick or weakened at the time of taking out the contract. Indeed, it is reassuring for the insurer that the animal has a good general state of health and a healthy medical history, because this predicts good health and therefore reduced costs. For this reason, many contracts provide in their general conditions that the costs related to a congenital disease may not be covered, or even lead to the premature end of the contract. Better to make sure before committing.

Moreover, the state of health of the cat or dog is not the only criterion that insurers take into account, because the age of the animal is also a crucial parameter. Indeed, the older an animal, the more likely it is to fall ill or be injured. Insurers therefore believe that a senior cat or dog would be too expensive to insure, which is why they impose a maximum age limit for agreeing to cover a tomcat or a doggie.

Thus, you will have understood, before agreeing to cover your little companion, an insurance company will inquire about the state of health of this one and its age. But what if you don’t know his medical history?

Without knowing the medical history of my animal, can I take out health insurance?

If you have taken in a lost dog or cat or if you have adopted a small companion whose precise history and age are unknown, you will not be able to answer the questions that will be asked of you regarding its medical history, since you don’t know about it. In this case, is it still possible to take out a health insurance contract to protect it?

Yes it’s possible ! Indeed, faced with the intense competition in this area, many brands are ready to show flexibility to attract new customers and retain them. There are therefore some who agree to take charge of a dog or a cat without a medical questionnaire and without age limit, in other words, without a known medical history.

However, be sure not to sign just any contract, as the conditions may be much stricter to better protect insurers from risk.

In addition, it should be noted that these more flexible formulas are on average more expensive than their standard equivalents due to the flexibility shown by the brands. Indeed, to protect themselves from the risk of higher costs, they apply a more or less significant increase in contributions. Nevertheless, in view of the savings made on healthcare bills, these formulas remain advantageous.

How to find the mutual health plan that suits you?

If you wish to take out a health insurance contract for your dog or cat whose medical history you do not know, you will have to turn to companies that offer this type of protection. The easiest way to do business is to use the services of an online comparator.

This free and non-binding tool is indeed the most powerful to help you quickly find the best contract for you. All you have to do is fill out a brief questionnaire that will allow him to target your budget and the needs of your little companion before proposing the offers that correspond to them in a few seconds.

It is then up to you to request detailed quotes from the formulas that have caught your attention. Compare the offers with equal guarantees and opt, if you wish, for the one that offers the best value for money.

Finally, note that the online comparator has the great advantage of being a sizeable bargaining chip. Indeed, since you have offers from competitors, you can more easily negotiate advantageous rates or more attractive guarantees with the insurer that appeals to you the most. Don’t wait any longer to enjoy it!

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