Why use a comparator to insure your pets?
Can I insure my dog? even if it's still a puppy? even if he is getting old? even if my dog is sick? even if it is a categorized dog? Is it worth insuring my dog? How much does it cost me and how much will I save by taking out health insurance for my dog?
These are questions that often come up in the email of the emmenetonchien.com team! We all asked ourselves the question one day when we left our veterinarian with a high bill and badly anticipated in our daily budget...
And yet when you start to take an interest in dog health insurance, it is not easy to navigate and understand the offers of insurers. Fortunately, there are insurance comparators to see more clearly! I tell you everything in this article. Let's go, let's talk little but let's talk dog!
The insurance comparator: a practical tool for choosing the best mutual health insurance for my dog
Whether it is to choose your home insurance, your car or motorcycle insurance or your mutual health insurance, the good reflex is to use an insurance comparator! All insurance does not cover the same thing and it can sometimes be tedious to compare the small lines of insurance contracts to effectively compare proposals, guarantees and prices! The dog insurance comparator is an online tool that presents the different offers from insurers, brokers or mutuals to avoid going to study their site one by one and making a little comparison in your corner.
It's a good reflex to have when choosing the Mutual for dogs of your pet. After filling in some fairly simple information about your pet's age, his race, sex and possible medical history, you will quickly have an idea of the guarantees available and the price. On the mutual-animals.net site, more than 1000 dog insurance offers are compared for you! In a few clicks, you will have a clear view of the insurance proposals available for your dog.
A quick reminder: health insurance for your dog or mutual dog insurance covers all or part of your veterinary expenses in the event of your dog's accident or illness. The amount covered depends on your membership plan. It works exactly like your complementary mutual! If you have subscribed to a standard plan, your healthcare costs are not fully reimbursed. You will have to pay the veterinary costs of your animal directly to your veterinarian and send this receipted invoice to your mutual insurance company for full or partial coverage of the amount of the treatment invoice.
Mutual insurance for dogs is not compulsory. It's like your own complementary health insurance. You may not take out supplementary insurance, but the day you fall ill, your care is your responsibility. It's a bet on the future in a way… If nothing happens to you, it's won but if something happens, the bill can quickly become steep… It's the same thing for your dog. A healthy dog is not immune to an accident. The right question to ask yourself when deciding whether or not to take out dog health insurance is: would I be able to afford my dog's veterinary costs under all circumstances? Mutual insurance for dogs will allow you to protect your dog at the best price. It's a good way to stop paying your pet's veterinary bills.
Just two weeks ago, I stroke my dog and I realize that she has like a patch of sap on her head. It happens to him regularly because we have pine trees on our favorite walking path. So I was not alarmed. The next day, the plate was still there, I undertake to clean my dog's head with a washcloth and the "patatra", I realize that it is in fact a sore that oozes a little... Of course, I I realize this on a Saturday afternoon…. It's not a veterinary emergency so I put betadine on the sore and washed the small wound. The next day it got worse, so I made an appointment with my vet from his online calendar and we went on Monday! As a result, the vet diagnosed a hotspot. Total amount of the bill, consultation + medication: €203 and a few cents… We follow the treatment and I go back to it urgently a few days later because the wound does not heal as expected, on the contrary… This time my veterinarian diagnoses me a kind of fungus. New consultation and new treatment: 126€ and bananas… I hadn't planned a budget for this month at all. I have 2 birthdays in my family: their gifts are going to be much more symbolic than expected… But my dog and his health come first. Wow race! And since I don't yet have any dog health insurance to guarantee Musher's veterinary expenses, I took everything out of my pocket. That's why I took my keyboard today to talk to you about dog health insurance and share my research with you...
All dogs have the right to health insurance?
Can all dogs get health insurance? In theory yes! Only the price changes!
The first thing to know is that you can insure your puppy. You will simply have to wait for his 3 months to be able to do so and then he will be covered for life (well as long as you pay your mutual membership). The second thing to know is that some insurance no longer insure dogs beyond their 5th year or after their 10 years. Why ? Because they are more likely to be sick and therefore to have high veterinary costs. If your dog is “old” and you prefer to be careful and take out mutual insurance for dogs, you may be asked for a certificate of good health at the time of your subscription.
Good to know also, depending on the insurance, a more or less long waiting period may apply. Your dog can be covered within 24 hours for accidents, for example, and within 20 days for illnesses. Here again, the mutual-animals.info insurance comparator can help you see more clearly between each insurance contract. You can make a comparison.
Your dog is sick and you are looking for a solution to reduce your veterinary care bills? Ouch! There it thickens… As a general rule, illnesses prior to the subscription of a dog health insurance contract are not covered. Run the comparator to find tailor-made insurance.
According to the insurers, your dog will have to be chipped or tattooed to be able to subscribe to a health guarantee contract and will also have to be up to date with his vaccines. If your dog is neither identified (as a reminder, it is compulsory in France!) nor vaccinated, check the general conditions of your insurance policy before subscribing to a subscription formula. This may be grounds for exclusion of warranty.
And to end this article, I share with you the top 10 most assured dog breeds. This ranking is obviously linked to the ranking of the favorite breeds of the French but not only! Some breeds are also recognized as more “fragile” than others, which is why they are unfortunately in this top 10. If we find the French bulldog in the top list, it is not very surprising because these are dogs that require regular monitoring. to the veterinarian, in particular because of their respiratory problems. After the French bulldog, we find the Labrador Retriever, then the crossbred dogs, the Yorkshire Terrier, the Jack Russell Terrier, the Golden Retriever, the American Staffordshire Terrier, the German Shepherd, the Chihuahua and finally the Cavalier King Charles.
I hope this practical article has helped you to see things more clearly, my dear Wouafer's! I've launched a search on the comparator and I'm waiting for them to call me back… Musher's sore seems to be getting better, but my love comforter is getting old and it's high time I ensured her future health.