Much more than a simple “company”, your furball is a full member of the family. Even if you take great care of your dog or cat, an illness or even an accident can arise without warning. You then come out of the veterinary clinic with a salty note. In fact, you haven’t purchased animal health insurance due to popular misconceptions. This guide draws up a list of assumptions about this financial aid and dots the i’s.
Pet welfare should be a priority for any responsible owner. However, some get in the way and refuse to take out health insurance.
” Médor is too old, it’s useless » ; ” I have a purebred dog, the price will certainly be too high » ; ” Felix never gets sick, what’s the point? “: here are some examples of received ideas, which prevent them from jumping into the water. However, this device can be of great help, especially when we know that veterinary costs and the annual budget allocated to health care often reach pharaonic sums.
Here is a small overview of the existing a priori on animal health insurance. Let’s lift the brakes on subscription, and break the myths that undermine the image of this financial aid, however not insignificant.
Animal health insurance is not essential
Knock on wood: Max enjoys an iron health, you have never seen him fall ill. Taking out animal health insurance is therefore useless. But as the famous saying goes, “Never say never.” »
Even if your furry friend has been well in his paws since he joined the ranks of your little family, he is not immune to an unpredictable and unpleasant event. Like us humans, our 4-legged friends can contract illnesses or even be victims of an accident during their life, which, let’s face it, does not always turn out to be “a long calm river”.
Thus, no unexpected can point the tip of his nose for a while, until the day when major care is needed without warning and bring you a high bill.
In addition to the hazards arising here and there, veterinary costs come up every year: vaccination, pest control, etc. Indeed, it is recommended to make an appointment with a health professional at least once a year for a check-up.
Be aware that animal health insurance covers your companion not only in the event of illness, but also in the event of an accident. Financial assistance at hand is always welcome in these cases, which tends to make you more serene.
The price is very high for purebred animals
Small or big, young or old, cross or purebred, all our hairballs deserve to be insured according to their care.
However, the price of insurance can actually vary according to different criteria, including race. Rest assured: this variation remains minimal (allow a few euros per month more); and the conditions of support remain the same, whatever the race of your protege, except if he belongs to a particular category. For example, certain breeds of dogs are known for specific and recurring pathologies.
Ideally, choose a serious breeder in order to limit defects and genetic diseases. Before adopting an animal, find out as much as you can about the risks associated with its health and its general characteristics.
Also note that a healthy lifestyle (quality food, regular physical activity, etc.) allows your furry friend to keep in shape.
Health insurance dedicated to animals is not profitable
That’s it, you’ve taken the plunge and adopted an adorable cat or dog. Identification, vaccines, antiparasitics, sterilization… the health expenses during the first year of life of your little companion flow in and puncture your wallet.
The older he gets, the more bills abound on your desk: tigger is not protected against the vagaries of life. A nasty germ decided to invade his body, or a car ran him over while he was strolling outside as usual. When he is no longer in his prime, the amount of veterinary costs may also increase. This is the case if your pet suffers from a chronic illness, for example.
Unfortunately, some owners are unable to pay their bills for lack of financial means. Sometimes euthanasia is chosen, when medical solutions exist. This is where animal health insurance comes into play and becomes a valuable financial relief.
Precious in the event of an accident or pathology, it reduces the impact of veterinary costs on the budget of the animal’s master, who can then offer him the quality medical care he needs.
Caring for a cat or dog can be very expensive every year. By taking out animal health insurance, the owner will be a winner.
Finding the most suitable and advantageous formula is difficult
According to you, finding the most advantageous formula is like looking for a needle in a haystack. It is not always easy to opt for the animal health insurance contract that best suits your needs. Do not panic, solutions exist!
Do not hesitate to use a simulation tool generally made available to pet owners on the insurance website. This is the case ofAgria, which offers 3 formulas – economical, optimal, accidents. Thanks to a table, you can compare the different contracts, but also calculate the price by filling in the basic information about your protected. In a few simple and free clicks, detailed answers are displayed on your screen.
It’s the cross and the banner to be repaid
This allegation turns out to be false… if the documents are filled out correctly. In order to receive your reimbursement, you must complete a care sheet, pay the invoice and attach certain supporting documents, including the prescription.
Before sending the paperwork to your insurer, verify the accuracy of the information in the file. An error can cause a delay. If everything is done in the rules of the art, then you can count a few days before being reimbursed.
My pet is too old to take out insurance
” Bella is too old, why buy animal health insurance? Precisely, the more the years pass, the more you risk assuming significant and recurring veterinary expenses.
Also read: Choosing the right dog insurance
Agria Pet Insurance insures all dogs and all cats with no age restriction on subscription, which is unique in France. On the other hand, as with all insurance, illnesses/accidents prior to the subscription of the contract cannot be covered – which is why the earlier an animal is insured, the better the cover.
Like us bipeds, animals deal with the bodily changes of aging. The body becomes more fragile and more prone to developing illnesses. As a result, it must be treated more often and therefore assume more expenses.
For the well-being of your graying hairball, it is worth keeping a close eye on its condition. Visits to the veterinarian are then more frequent than before.