An animal is also a source of tenderness that helps reduce stress and anxiety. But, as with humans, an animal can get sick. The best way to be prepared to financially face the he alth problems of your pet: pet insurance. To make the right choice, it is important to compare the quotes offered by insurance companies.
Use an online comparator
The easiest way to compare pet insurance quotes is to use an online comparator like Meilleurtaux. This tool makes it possible, without leaving home, to compare several pet insurance offers for free.
It's a real time and money saver because, rather than physically going to each insurer during business hours, everything can be done directly online at any time of the day or week. night. All you have to do is fill in some information about the animal to be insured, including its age, breed and medical history to immediately obtain several quotes.
By having access to all quotes, it is much easier to make your choice and find the most suitable pet insurance for your budget. Indeed, as is the case for he alth insurance dedicated to humans, several formulas exist: the basic, the intermediate and the superior. The more insurance covers medical costs, the more it helps to provide the best care for your pet, but it is also more expensive.
Going through an online comparator also means making administrative formalities easier. Just click on the insurance of your choice to sign the quote and accept the contract.
What to look for when comparing?
To obtain several pet insurance quotes, it is therefore necessary to provide some information concerning the animal, in particular its type, age, breed or species, whether it is tattooed or chipped as well as desired coverage (basic, intermediate or superior).
For a successful comparison, attention should be paid to various elements. The first indicator remains the price. It is displayed by month or by year and allows sorting even if it is also necessary to take into account the levels of guarantees obtained. Just because insurance is expensive doesn't mean it offers the best level of coverage.
You have to be able to differentiate between classic medical costs and other costs in the event of illness or accident. Depending on the formulas, the coverage rates change, ranging from 50% for a basic formula to 100% for a high-end formula.
The amount of deductibles is also to be monitored. It can be very high if the animal he alth insurance premiums are relatively affordable. For some insurance formulas, no deductible is applied.
You must consult each quote to find out about the additional guarantees. As is the case with mutual he alth insurance for humans, it is quite possible to add additional guarantees, for example, to prevent the death of the animal.
Pet insurance companies may apply a waiting period. This is a period during which the animal is not covered. This period can range from a few days to several months. It should therefore not be neglected. It is always interesting to take a look at the termination conditions.
Finally, insurance companies regularly apply a maximum reimbursement limit. This means that the insurance covers a defined sum for a period of one year. All costs that are added beyond this are not covered and therefore remain to be paid.
It is important to take the time to compare the different quotes because they do not have the same guarantees from one insurance to another. Knowing the amount of the contributions, that of the deductibles and the maximum reimbursement ceiling avoids unpleasant surprises when the animal requires care.
Why take out insurance for your pet?
Insuring your pet has several advantages. It is above all a way for an animal owner to be serene. The costs related to the he alth of your animal can represent a certain budget and the insurance makes it possible to limit these.
First of all, he alth insurance helps keep your pet he althy by having the opportunity to provide it with the best possible care. Indeed, between consultations, possible additional examinations, treatments and, in some cases, hospitalization or surgery, caring for an animal can be very expensive.With he alth insurance, veterinary costs are reimbursed, sometimes in full.
It's also a way to better control your budget. Caring for an animal has a cost, which can rise if the latter falls ill. Faced with the unexpected or in the event of chronic illnesses requiring treatment and follow-up, animal he alth insurance intervenes.
Insurance generally includes a prevention package, renewed each year, which can be used to pay for veterinary care, including vaccination costs or the purchase of products against parasites or nutritional supplements. Thanks to this package, the animal can benefit from complete care for one year.
It is not uncommon for insurance companies to provide different services to contact a veterinarian in an emergency or to benefit from advice on the well-being of the animal. This is a real plus to be reassured if the animal's state of he alth suddenly deteriorates.
Consequently, contributions quickly pay for themselves. However, some formulas offer services that are not always useful. You have to find the right balance.
When is the right time to insure your pet?
It is advisable to insure your animal as soon as possible because insurance companies establish the amount of contributions according to the age and race (or species) of the animal. The older an animal is, the more expensive the insurance will be. Conversely, the younger he is, the lower the contributions will be. Even if an animal has little risk of being sick at the beginning of its life, it is preferable to insure it, with a view to the future.
In addition, companies can define exclusion conditions. They are not always indicated in the quotes, which is why they must be requested from the insurer. Because of their race or species, their medical history or quite simply their age, animals are excluded by insurance companies, which refuse to cover them.
Subscribing to he alth insurance for your pet is a great idea. It contributes to keeping the animal in good he alth by offering it the best possible care. As it is not always easy to find the best insurance, the solution is to use an online comparator. This tool brings together the various formulas and thus helps to better compare quotes.