comment choose? What cost?

You have just adopted a puppy and you are considering taking out health insurance to better protect it and reduce your veterinary expenses. Les jeunes toutous are in fact exposing diseases and accidents just like adults. Some companies offer insurance dedicated to the needs of the puppies in order to cover their well-being and bring more serenity to their owner.

How do these puppy insurances work? Comment choose your formula? What is the cost? Take a look at this file.

Puppy Health Insurance: How Does This Type of Health Insurance Work?

As soon as they arrive in their new home, the puppies need care. It is therefore recommended to protect them by taking out dedicated health insurance. Once identified by a tattoo or electronic chip, the puppy can be insured, as the first veterinary costs occur relatively early, especially through early vaccinations and operations such as sterilization or castration. On the other hand, it should be emphasized that the little doggie is not safe from contracting an illness or being the victim of an accident.

Not all insurance companies offer specific formulas for kiosks. It should be noted that the classic dog formulas cover the young animal from the age of three months or even two months at some brands, which does not change the puppy formulas. Similarly, these formulas, like the standards, extend to the dog’s average age of 7 years.

Three levels of protection

Each insurance company is free to offer the guarantees of its choice and to impose its own rates. This does not mean that more expensive insurance will be of better quality. About three main categories of puppy health insurance:

  • the basic formulaseconomic costs, are the least expensive and cover the costs related to illness and / or accident up to 50% to 70%;
  • the intermediate formulascomfort, offering a good compromise since they also cover the costs related to examinations and surgeries, etc., up to 70% to 90%;
  • high-end formulascalled premiums, are comprehensive insurance policies that cover almost all of the puppy’s veterinary care up to 90% to 100%.

Insuring your puppy from an early age allows you to take care of your health very early on. In fact, your little companion is not safe from developing an inherited disease or other pathology. Finding insurance that agrees to cover a sick animal is then almost impossible, which is why it is important to take the lead in anticipating its needs.

It is important to know that the puppy is naturally protected by his mother’s antibodies from birth until weaning, as they are transmitted to him through breast milk. Once the little doggie is weaned, it does not benefit from this protection and cannot yet benefit from the full protection of its vaccines. This makes your immune system more at risk. In the case of protection with adapted medical coverage, the master son can thus better bear the costs related to a possible illness.

Simple operation

The principle of a puppy insurance is very simple. The owner of the small animal subscribes to the formula that suits him and his doggie can thus be protected. During each veterinary consultation, he gives the practitioner a care sheet previously provided by his insurer. He must then be paid for the deed of care and must address the care sheet and the detailed fact of the practical care to be insured to receive the reimbursement which is due within a period which may vary from a few days to several weeks. .

It is in the form of a transfer to his bank account that the puppy owner receives his due. It should be noted that the reimbursement is calculated according to the chosen formula. In consequence, it is the rate of reimbursement provided by the contract that applies, and this, only on the care covered by the latter. The refund is therefore not calculated on the total amount of the invoice!

In addition, the amount of the refund may be reduced by other items. The franchise is premier. This is a sum that remains at the expense of the subscriber when requesting a refund. The deductible can take the form of a percentage or a fixed amount. It can be applied to each application for reimbursement made during the year or on the first application of the year according to the formulas.

In addition, the annual repayment cap may limit the amount of the refund. This amount corresponds to a maximum amount for securing consent to repay a one-year course. Thus, as soon as this ceiling is reached, the subscriber will no longer receive any support until the following year, even if he has subscribed to a 100% complete formula. According to the guarantees, the amount of this annual repayment ceiling can be from 800 euros to 2,800 euros.

Puppy insurance: how to choose it?

There are several health benefits for puppies. It is therefore difficult to make a choice. Here are some criteria to consider to help you.

The puppy breed

Certain breeds of dogs are prone to the development of certain pathologies. And this is the case for your puppy, it is better to choose an insurance that allows you to anticipate certain difficulties and that provides a better care. This way you avoid negative surprises.

The puppy’s environment

The environment in which your puppy lives is important. If you live in an apartment or house with a small outdoor space well secured and closed, your doggie will be well protected from accidents and diseases. If you live in the countryside and can go out freely, you may be more exposed. The same is true if other animals live in the home, as the risk of disease transmission is higher.

Desired level of protection

Depending on the level of protection you want for your pet, you need to choose a plus or minus coverage formula. It all depends on the ancillary risks, everything that is exposed and your ability to cope with the costs of veterinary medicine.

In addition, it is generally possible to take out a prevention package that can allow you to reduce your expenses in this area (vaccination, deworming, pesticides, sterilization or castration, therapeutic feeding, etc.).

Your budget

Of course, your budget must be taken into account, because you will need to pay each month the contributions that you are requesting by the insurer.

The waiting period

This is the period from the signing of the contract to a real takeover. During this time, you start paying to insure your puppy, but the puppy is not covered yet. This term, which can last a few days or more months depending on insurers and formulas, is imposed by the company to preserve hidden diseases or disorders. They thus give themselves the right to refuse to take care of a puppy deemed too sick, and therefore too expensive to insure.

The conditions of termination

Most health insurance contracts provide for a one-year commitment that is then tacitly renewed each year on the anniversary date. The law allows her to terminate her contract at any time during the first year. Subsequently, he may terminate by sending his insurer a registered letter with acknowledgment of receipt less than two months before the tacit renewal. The renewal date may be the anniversary date of the subscription or December 31 of the current year. The insurer is legally required to notify the policyholder by email or mail of its right of withdrawal at least 15 days before the due date, ie two and a half months before the renewal date. Unfortunately, some do not comply with this obligation. In this case, the subscriber may terminate his contract at his own expense.

These termination rules are simple and enforceable in most companies. Nevertheless, always check with them before committing to avoid any nasty surprises.

Please note that the owner also wishes to terminate his contract during the year, this procedure may incur a fee. In addition, the insurer is entitled to demand payment of contributions due until maturity, without the animal being covered.

Puppy insurance: what price?

The cost of a health insurance for puppies is the same sensitivity as the classic formulas for a healthy adult dog.

  • For a basic formula, it costs 10 euros to 20 euros on average.
  • For an intermediate formula, it is necessary to provide 20 euros to 35 euros per month on average.
  • Pay a premium formula, a budget of 30 euros to 80 euros per month is required.

To find the right puppy insurance for you, we recommend that you use the services of an online comparator. This free, no-obligation tool relies on quick questionnaire replies to offer you a list of offers that fit your needs in seconds. You can ask for more details for the proposals that keep your attention.

Compare the best deals with equal guarantees and select the one that has the best value for money. You can rely on the proposals of the competition to negotiate with the insurer that you have seduced reduced rates or additional benefits.

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