Get a 100% free dog insurance quote online!

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 As a dog owner, nothing is more important than your four-legged companion's good health and longevity. You love him and want the best for him; it's natural and legitimate.

So, you logically want to take out health insurance to cover your dog in case of a problem. But there are many offers on the market, and discerning them is not always easy.

Here is our file to effectively compare the offers of mutual insurance for dogs available. Follow the guide; we have plenty of good advice to give you!

The different methods to obtain dog insurance quotes

Getting multiple quotes is child's play; I delegate, and I'll come back in five minutes. In reality, you'll see that the operation is not as simple as it seems. And to compare, it's better to have material. So, how do you get these famous quotes for your dog?

A broker can help you compare dog insurance quotes.

This is often one of the first reflexes of private policyholders when they are looking for a competitive health insurance contract for their dog. Because brokers find the best contracts for you for your home, your car, your health, your pension, your borrower insurance, etc.

Unfortunately, even if dog health insurance is growing every year in France, like in countries across the Atlantic, the market is not yet sufficiently dominated by major players to attract the interest of insurance brokers.

In fact, dog health insurance contracts are most often offered by subsidiaries of insurance groups or by new, little-known players. This restriction does not allow brokers to effectively put offers into competition due to a lack of partners.

Rest assured, however, that just because health insurance for dogs is not offered by all traditional insurers, it does not mean that the contracts offered are not of interest. On the contrary, it is a booming market that should be considered if you have or are considering having a canine to share your life.

Compare insurance quotes the old-fashioned way, by approaching dog insurers one by one.

If you cannot find a broker who specializes in dog insurance, the age-old technique of putting insurers in competition with each other using your own resources remains effective.

So you can go to different insurance agencies, pick up the phone many times, or get multiple quotes on the websites of many dog insurers. This cross-referencing of information will allow you to obtain multiple quotes.

But be careful: finding dog insurers with a good reputation is rare; most of them operate online. Nothing is impossible by phone; however, you will have to decline insistent requests to insure yourself in order to only obtain quotes. Last, online, it's simple, but you'll fill out 10 similar questionnaires.

Far from wanting to dissuade you from playing the broker by your own means, know that it is a job in its own right, which turns out to be as time-consuming as it is tedious, without however providing you with any advantages in comparison with the next method, much more practical and simple to implement.

Online comparators allow you to compare dog insurance quotes.

Here we come to the last method to use to get dog insurance quotes. Well, the last one is a figure of speech, because it is undoubtedly the one that meets with the most success with those who wish to insure their pooch.

For good reason, using online insurance comparison sites to quickly and easily get several dog health insurance quotes is an effective and useful solution with minimal effort.

In just a few clicks, you will get many quotes and save valuable time. All you have to do is fill in your contact details and essential information about your dog for the insurer, such as its age, breed, and medical history.

And there you have it. In just a few minutes, the best insurers will be displayed on the insurance comparison site or in your email inbox. After that, you will have all the time you need to choose the health insurance policy that is best suited to your best friend, comfortably seated in front of your screen, without pressure and without stress.

Points to analyze to effectively compare the dog insurance quotes obtained

Now you have several quotes to insure your dog's health. They are either in front of you or in your hands. But here is the question: what should I compare to choose the best contract, the one that will suit both my wallet and my furball? We help you see more clearly...

The price of dog insurance

As is often the case, the price of your insurance is the crux of the matter, but be careful not to compare apples and oranges. When it comes to insurance, this adage means that you should compare like with like.

It is therefore essential to compare similar dog insurance plans. Most insurers offer a range of guarantees based around three main pillars, namely:

  • An economical, first price or entry-level formula: care for your dog only in the event of an accident and/or care at only 50%,
  • An intermediate, medium, or essential formula: care for your dog only in the event of an accident or illness and/or care of around 60 to 80%,
  • A high-end, maxi, or complete formula: support for your dog in the event of an accident, illness, surgery, and support of around 80 to 100%.

Of course, you can find some less expensive or more expensive formulas between those that cover limited veterinary care and those that cover all canine hazards, or almost.

However, you must quickly decide on a specific type of formula, depending on the price you want to pay monthly for your construction site health insurance. Once you have made your choice, you can then compare prices for equivalent guarantees that suit your expectations.

The coverage rate of your dog insurance

Be careful, because some dog insurance policies cover your companion 100%, but only in the event of an accident, for example. To compare a coverage rate between different dog insurance policies, the guarantees must therefore apply to all areas, i.e., accidents, illness, and surgery.

At the same price, choose a 60% coverage rate over a 50% rate. At the same price, opt for a coverage rate of 90% over a rate of 75%. In short, choose the best option—the one that will cover your dog more in the event of a health problem.

However, be careful, because, as we will see, the rate is not enough. Indeed, deductibles and guarantee ceilings must be considered to determine Médor's true support.

The excess amount and the guarantee ceiling

The health insurance plan you choose for your dog may be subject to a double limitation, even if the coverage rate is 100%:

  • The deductible: this is the amount that remains your responsibility during a covered event, for example, 20 euros for a veterinary consultation.
  • The guarantee ceiling: this is the amount from which the insurer no longer compensates you in the event of a covered event, for example, 80 euros for a veterinary consultation.

In this example, even if you have so-called "comfort,"  "optimum,"  "all-risk," or "comprehensive" insurance, you will have to pay 40 euros out of your own pocket for a 100 euro veterinary consultation.

Without becoming obsessed, remain vigilant about the terms of the contract offered by the insurer, and do not let yourself be seduced by attractive formulas without taking the time to read between the lines.

The annual reimbursement ceiling for your dog insurance

We talked about the guaranteed ceiling. The latter is generally understood per event. But be careful, because dog insurance is generally subject to an annual reimbursement ceiling.

In fact, if the annual reimbursement ceiling for your dog's health care is 1,000 euros, you will never benefit from a higher reimbursement, even if your dog is the victim of an accident.

This reimbursement ceiling is important; it allows you to easily establish the benefits you can get from your dog insurance. If, for example, your contribution is 30 euros per month, or 360 euros per year, and your annual reimbursement ceiling is 1,000 euros, this means that the insurance could pay up to 640 euros in your place (1,000 minus 360 = 640).

The presence of a kitten

What is a kitty for your dog? It is certainly not a savings account that you open in his name. No, the kitty set up by the insurer corresponds to a sum of money that is allocated to you each year to help you pay for preventive care useful for your dog's health.

If this kitten costs 100 euros, for example, it can cover vaccine boosters at 60 euros, as well as the costs of deworming and antiparasitic treatments at 40 euros. A must to keep your companion in top shape.

The waiting period

The waiting period is important to take into account when signing your contract. In fact, it corresponds to the period between the date you sign your dog's health contract and the date you actually benefit from the guarantees on your dog's behalf in the event of a proven claim.

In short, if your dog is the victim of a road accident 3 days after you signed up to the contract, while a 15-day waiting period is provided for in the contract, you will not be able to benefit from any support for him under any circumstances.

Contract exclusions

We don't think about it much, and yet, the exclusions of the dog insurance contract are often an opportunity to arbitrate between two quotes to choose the best one. They are mentioned in your general insurance conditions, and sometimes some appear in your specific conditions.

Exclusions are events for which you will never be guaranteed, regardless of the circumstances. For example, you will not be able to claim reimbursement for care related to mistreatment on your part, even though the contract recalls your obligations regarding animal welfare.

In the event of a tie between two quotes

There are many points to analyze to decide between dog health insurance offers. Sometimes, it is difficult to make a decision, even with an objective outside view. Take your head out of the contract, ignore the quotes, and assess the ground reality.

Is your future insurer able to answer your questions quickly and efficiently? Is your future insurer well rated by a majority of its customers? Does your future insurer provide you with a simple and intuitive online insurance platform? So, choose it rather than another, because these services make the difference!

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