To take care of your little companion without worrying about his finances, taking out a health insurance contract is a good solution. If this practice is very widespread in the countries of northern Europe, it remains timid in France, although it develops and makes new followers each year. Choosing your dog insurance is not always easy, but certain criteria can help make the difference, in particular the absence of a deductible. Let’s discover the characteristics of these interesting formulas.
What is a mutual insurance deductible for dogs?
The deductible is an amount that remains to be paid by the owner of the dog after reimbursement for the care. Its amount is variable and specified when signing the contract. This is an amount that the insurer applies to cover any expensive care for the current year.
The deductible is generally applied to routine care (illness, accident, surgery, analyses, additional examinations, etc.), but not to preventive acts (vaccination, etc.) which are covered by a flat rate.
There are two types of franchises:
- The annual deductible : this formula is the most frequent. The amount of the deductible is fixed and varies between 20 and 150 euros per year. The deductible is generally taken from the first reimbursement of the year.
- Franchise by deed : this formula is based on the application of a percentage which can amount to 30% of the amount to be reimbursed for each act of care. This deductible is systematically deducted from treatment bills throughout the year.
As you will have understood, the deductible, although it is not always very high, reduces the amount of reimbursement for veterinary care for your dog. The formula per act applies to all treatments for the year and further reduces the effective reimbursement rate. As for the annual deductible, being deducted from the first treatment of the year, it is not uncommon for owners of young dogs in good health who consult only once a year for a control visit and reminders of vaccinations receive no reimbursement or very low amounts for a few years.
In addition, the amount of the deductible is very often scalable and increases little by little each year. The older the dog, the higher the deductible will be to cover the greater care needs of senior doggies. Fortunately, there are formulas of mutual insurance for dogs which do not apply any deductible.
The benefits of dog insurance with no deductible
Choosing a mutual insurance contract without deductible for your dog is a good solution to avoid losing money. These formulas come as no surprise; when you send your care sheet accompanied by the veterinarian’s invoice to your insurer, you know that you will be reimbursed for the care covered by your insurance up to the rate established in the contract.
Moreover, in the absence of these additional levies, which are added to the amounts of the monthly contributions, dog owners no longer hesitate to have their animal treated. These formulas are therefore very advantageous for our doggie friends, especially for the older ones or for those who need frequent care.
Help yourself with online comparators to find the mutual insurance formula for dogs without deductible that suits you. Indeed, insurance companies are free to apply the rates of their choice and can raise the rates of a formula without deductible on the pretext that it is more advantageous than conventional insurance. To save precious time, use the free and non-binding comparators. These personalized tools will allow you to receive several offers without deductible and adapted to both the needs of your animal and your financial capacities. All you have to do is request detailed quotes for the formulas that interest you and compare them to make the best choice at the most attractive price/quality ratio.