Pet and funeral insurance: what coverage?

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Depending on the breed, certain diseases may appear; you have to be aware of them. If there are also costs that we naturally prepare to face: food, vaccines, chipping, toys—there are others, which we prefer not to think about. These can be very expensive.

Health insurance for cats, dogs, and small pets should be considered to cover any eventuality: illness, accident, etc. Life insurance is also an option to consider.

What is pet insurance?

Pet insurance is the equivalent of social security for their owners. Throughout its life, the animal will have to go to a veterinarian, at least for vaccinations and boosters. Added to this are sterilization, microchipping, possible illnesses, and minor accidents of daily life. Sometimes it can be more serious, and the animal must be hospitalized in a veterinary clinic for one or more days. There are then the costs of blood tests, x-rays, treatment, even the operation and boarding.

The bill can quickly mount up and put the pet owner in a difficult position. If you have several pets, it can quickly become unbearable, and some owners may find themselves forced to part with the pet... due to a lack of means!

To summarize simply and to better understand how pet insurance works, it is actually possible to take out health-accident insurance that will reimburse the costs incurred for the consultation, care, prevention costs, or even the hospitalization of your pet. Several insurance contracts are offered, at least 3 per organization: basic formula, comfort formula, and one, intermediate. Some insurance companies refine the choice by adding 1 or 2 formulas.

Depending on the level of protection taken out, the insurance is equivalent to social security only or with mutual insurance included. Reimbursements can actually be up to 100% of the costs incurred.

How does it work?

At each consultation, an invoice is given to the owner of the animal; it must be sent to the insurance company, which will reimburse the amount according to the chosen formula.

In the event of hospitalization due to illness or following an accident, and depending on the level of protection subscribed, the amount of reimbursement can be up to €2,500 for both a cat and a dog. The insurance company processes the treatment forms very quickly after receipt; it takes about 48 hours. They can be sent by email or by post.

Some insurance contracts cover sterilization and vaccination, a significant budget that deserves consideration when choosing the plan.

An assistance guarantee is added without additional contribution in most contracts. It provides several aids that make life easier, such as taking care of the animal at home or outside if the owner is hospitalized, transporting a person to come and take care of it, psychological help if the animal were to die, etc.

The amount of the contributions varies according to the type of animal (cat, dog, etc.), its breed, its age, its lifestyle, and the level of protection chosen. Although you can change the contract formula whenever you want, it is necessary to study each of them carefully and compare the advantages and prices of several insurances. Be careful; sometimes some contracts are similar and are not at the same price; you must check what you need.

Average prices by range (average contribution):

  • Entry level: €11 for a cat and €17 for a dog.
  • Mid-range: €29 for a cat and €34 for a dog.
  • High-end: €41 for a cat and €54 for a dog.

These rates are indicative prices among the main animal insurers.

Is the death of an animal covered by pet insurance?

There is an option called death insurance or death guarantee. It consists of compensation after the death of the animal has been confirmed by the veterinarian. The sum, the amount of which varies with each insurer, is paid into the account very quickly.

The contribution is, most of the time, at a single rate and identical for dogs and cats. It is added to the health plan if the owner has taken out one.

What does the death benefit cover?

It helps cover the costs of cremation if the owner chooses this solution, or the adoption of another animal if he wants to quickly replace it. No proof of use of this compensation will be requested; the owner is free to do what he wants with this money.

With respect to exclusions from this guarantee, death insurance will not apply if:

  • The death is linked to mistreatment by the master.
  • The animal was euthanized for non-medical reasons.
  • Your animal dies during the waiting period.
  • if your pet died as a result of organizing fights.

 

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