Finding health insurance for your dog is not always easy. The number of pet insurance companies is considerable, and the number of options available is even greater. However, there are selection criteria that can tip the balance in the right direction. Economic rates, extended guarantees, high reimbursement rates, no waiting period and no deductible, dog insurance without advance payment are all essential points appreciated by dog owners.
Dog insurance: what the owner wants
►The best possible rate of reimbursement of expenses incurred for the dog’s health (accident, illness, hospitalization). According to the formulas, the coverage is between 50 and 100% of the veterinary costs.
►An annual reimbursement ceiling of more than $ 2,060.
► A dog insurance contract that includes preventive acts such as vaccination, health check, animal identification, sterilization, deworming, eye lotions and more.
►The possibility of being reimbursed at least in part for an act of euthanasia.
► At least partial management of alternative medicines: for example, physiotherapy, osteopathy, homeopathy, herbal medicine, acupuncture or mesotherapy. We now find more and more veterinarians specializing in one or the other of these disciplines.
►The possibility of obtaining a discount when a second dog is insured with the same animal health mutual.
Assistance, help of research in case of loss or theft of the dog, an absence of franchise, dog insurance without waiting period are also criteria sought by pet owners and that the best dog insurance must offer. It is even possible to be offered a system of guarding the dog in case of hospitalization of its master. In this case, different solutions are possible, such as transporting the dog to a friend or family member, or even to a specific center. Under certain conditions, the mutual society may also provide for the presence of a dog sitter at the dog owner’s home. These possibilities represent a comfort for the master who knows his faithful companion in safety during his absence.
Best dog insurance: the cover for a specific dog
If civil liability insurance is compulsory for category 1 and category 2 dogs, health insurance is optional. However, it is important to provide your pet with health coverage from an early age. It should be recalled here that dangerous dogs are attack dogs (1st category) and guard or defense dogs (2nd category).
Some insurance companies are still reluctant to take charge of the health of these categorized dogs. It is therefore important to contact a dog mutual insurance company that agrees to offer a suitable solution. The master can thus be reimbursed at least partially for veterinary expenses incurred in the event of an accident, illness, hospitalization of the animal or simply for a routine visit. It should be noted that some dangerous dog breeds are more often prone to kidney failure or heart problems. It is therefore better to insure them with an animal health insurance company.
Health insurance for hunting dogs
The hunting dog is an athlete who lives at 100 km/h. Very active, he makes significant efforts that can put his health at risk. It is also particularly exposed to certain diseases that are sometimes fatal because of its proximity to wildlife and large game. The owner of a hunting dog must take every precaution to ensure that the health of his faithful companion is regularly monitored by a veterinarian. When choosing a hunting dog insurance company, for example, you should be aware of the annual reimbursement limit, which must be sufficiently high. It may also be wise to avoid contracts with a deductible.
A health insurance for old dogs
In the most majority of cases, animal mutuals refuse a new subscription for a dog over 7 or 8 years of age. However, some insurers accept dogs up to 10 years old, and more rarely without age limit. These companies require that the animal’s owner provide a health declaration from a veterinarian. A dog insurance without age limit offering mostly limited guarantees, it is better to insure your dog when he is still young. In any case, before deciding, it is very important to take the time to read the general conditions attached to each offer of the insurance contract for elderly dogs. This ensures that you are fully informed of exclusions.