Dog and cat health insurance: 4 reasons to take out a contract

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Our pets may be sick and need veterinary care.

When this is the case, the bill can quickly climb because medications and examinations for cats and dogs are expensive. Fortunately, there is a solution: health insurance for dogs and cats. Working on the same principle as our complementary health insurance, it proves to be very useful throughout the animal's life.

The usefulness of mutual insurance for animals

Dog and cat health insurance has many advantages. First of all, it allows you to limit your expenses for care and veterinary fees. This is a real plus because many owners refuse to take their dog or cat to the vet for fear of having a large bill to pay. This is an opportunity to reduce your expenses during a consultation with the vet. Health insurance is ideal for dealing with an unforeseen event, such as an accident.

It also allows you to offer your animal the best possible care, including specific consultations, surgery, examinations, and possibly hospitalization.

Dog and cat health insurance is therefore a real security and is strongly recommended to all dog or cat owners.

Please note: most insurance companies impose an age limit of 2 months minimum and 8 years maximum to agree to insure a dog or a cat. Another condition is essential to insure an animal: it must be identified.

Some examples of acts reimbursed by dog and cat health insurance

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Some pet owners might consider mutual insurance useless and unprofitable if their pet is never sick. However, health insurance for dogs and cats can really make a difference and quickly prove indispensable. A simple visit to the vet costs around €50; for a visit to a specialist, you will have to pay a few dozen euros more.

Other common procedures, estimated at more than a hundred euros, are covered by mutual insurance: sterilization, castration, an ultrasound scan, etc. Blood tests, prescription medications, and anti-parasitic treatments are also reimbursed by health insurance.

Finally, more targeted procedures such as dental care, chemotherapy sessions, or surgeries cost several hundred euros. It is therefore preferable to have taken out dog and cat health insurance to cover them.

Here are some concrete examples of reimbursements on an 80% basis:

Pet care Cost Insurance Reimbursement Amount to be paid by the owner
Routine veterinary consultation 50 € 80% (40 €) €10 (excess) + €10 (20% remaining charge) = €20
Annual vaccination 80 € 80% (€64) €10 (excess) + €16 (20% remaining charge) = €26
Sterilization or castration 200 € 80% (160 €) €10 (excess) + €40 (20% remaining charge) = €50
Treatment of an ear infection 150 € 80% (120 €) €10 (excess) + €30 (20% remaining charge) = €40
Surgery to remove a benign tumor 1,200 € 80% (€960) €10 (excess) + €240 (20% remaining charge) = €250

The importance of nutrition to keep your pet healthy

The good health of your pet requires a balanced diet. Industrial food is enough to meet all the needs of the animal. On the other hand, it is necessary to select quality foods that will meet the specific needs of the dog or cat.

Owners also have the option of cooking meals for their pets themselves, but in this case, this must be supervised by a veterinarian. Indeed, it is necessary to avoid the risks of deficiency but also excess.

In addition, anything given to the animal outside of meals, such as treats, must be taken into account in the diet. Since a cat eats whenever it wants, it is best to give it free access to food. However, this idea is not suitable for a dog because most dogs are not able to regulate themselves.

Promoting animal welfare

But diet is not everything; other habits must be adopted to promote the well-being of your pet. Taking care of a dog or a cat means paying attention to it on a daily basis. by taking the time to pet your pet, play with it, and share moments of complicity.

You should also be concerned if there is a change in behavior; check that there is always water available; protect him from parasites, especially fleas and ticks; or vaccinate him against all common and contagious diseases that can have serious consequences for his health.

With this in mind, taking out health insurance for dogs and cats is an excellent idea for all pet owners. It covers a large part—or even all—of the health costs incurred. Mutual insurance should be taken out as soon as possible because most companies refuse to insure an elderly animal. 

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