The dog insurance works like a dog to mutual. For a monthly fee, the insurance pays all or part of the costs incurred for care or medications prescribed by the veterinarian. In general, there is an annual benefit limit.
Insurance work by reimbursing the insured with the money collected for the premiums. If many people are insured, they can easily repay. If few people are insured or contributors spend more than they pay into the system does not work. Thus, the amount of your contributions should depend on the type of animal (age, breed prone to many health problems …) but also of the contribution period (it is best to start contributing when young) and often you think you see your veterinarian. In the UK, a large proportion of animals are insured. This allows veterinarians to provide better quality care and more extensive care and diagnosis techniques.
According to the contract of insurance for dog, you will be refunded after returning a completed and signed by the veterinarian. This form summarizes the diagnosis and expenses to treat your animal or vaccinate. Often it is necessary to add an invoice signed by the veterinarian and the order if there had been prescribed medication. Some insurance policies provide you a credit card for advancing fees.
The dog has a real mutual interest to all dogs. One healthy dog to 5 years and well maintain can get sick 10 years and require expensive treatment for life with monitoring by blood tests, for example, you’ll be happy not to have to pay 100% each month. The monthly contribution to dog insurance is like putting money aside in advance in case of hardship. To discover more about pet insurance click here.
For what care will I be reimbursed for my dog health insurance?
Please note this may vary depending on contracts.
There are conditions that dog do not guarantee insurance in general:
-Surgery costs incurred on congenital and hereditary diseases, such as patella luxation small dog.
-Some insurance make you fill out a health questionnaire before subscription to -spread the already sick animals.
-Dog castration costs and sterilization of the dog.
-Hygiene products without treating properties.
-Some medications comfort (food supplements for the hair …).
-Veterinary medical expenses incurred abroad.
-Some insurance policies will not accept puppies younger than 2 or 3 months and older dogs over 5 or 6 years to the first contract and then ensure all their lives.
What insurance pays (be careful to read the contract!)
-Costs incurred due to illness or accident: surgery, complementary examinations, hospitalization, drugs, drugs prescribed to buy in pharmacies, dressings … Only where guaranteed annual ceiling by insurance.
-Preventive treatments such as vaccination of dogs every year, worming and flea control.
-The annual balance sheets of prevention especially among the older dog.
These conditions are frequently encountered contract conditions but there is a considerable variety of insurance contracts (the same insurance can offer a dozen different packages). Some insurance policies reimburse the costs that others do not pay. Some even accept insurance unidentified animals for 10 years without health questionnaire. Read the offers, ask many questions and do not hesitate to ask your veterinarian. Warning certain insurance contracts offer refunds only on medical expenses or only in case of accident … so read your contract carefully.
Remember that before signing the insurance contract for dog?
It would be interesting that all animals are provided. First, the health of the system, the more contributors the better the system works. Then, because with dogs, you’re never safe from a visit (s) to the vet in the year to gastroenteritis because he ate something that it should not be and because you have to vaccinate every year.
In addition, the life expectancy of our dogs and increases with the onset of illness old dog that induce long-term treatment more or less expensive. Knowing we have a mutual ensures veterinary expenses increase your confidence and you are less hesitant when it comes to keeping your pet healthy.
More concretely, if you have a large dog or a French bulldog or dog with a long life expectancy and you do not have a dog for mutual, you can think about it, ask other older dog owners the same type to find out how much have their annual health expenditures or talk to your veterinarian. I suggest you take a good health insurance at a young age.
Adapt your agreement to the type of dog you own. The renewal is generally tacitly each year. If you want to change the contract, it usually terminates this insurance for a certain period BEFORE the anniversary. Besides, if your dog dies, the termination is not always automatic. Consider asking a death certificate to your veterinarian.
There are specialist insurance companies for pets. You can also subscribe at your bank or your personal insurance (e.g. housing), they sometimes offer dog insurance contracts.