Mutual animals: what price to protect them?

Mutual animals: what price to protect them?
Mutual animals: what price to protect them?

More than one in two households has a pet. In order to protect and take care of our animals, mutuals exist. These animal insurance policies provide coverage for certain medical and preventive care. When should you insure your pet and at what cost? Let’s take stock of the pricing of mutual insurance for dogs, cats or any other pet.

When to get pet insurance?

The choice of pet insurance is based first and foremost on the age of your pet. Indeed, this is the first criterion studied by insurers. Some even refuse to insure animals over 7 years old. Subscription to an animal mutual is therefore recommended as soon as possible. This will allow you to pay less for your subscription and to plan for all future veterinary costs.

Important: if your pet has had health problems before, be aware that the insurance company will generally not cover care related to this pathology.

I want to insure my pet at the best price

How does pet insurance cover work?

A dog, cat or NAC insurance (new pets such as reptiles, rodents and birds) allows the reimbursement of certain medical and preventive care. As with personal insurance, the amount of reimbursements and the acts reimbursed depend on the formula chosen.

On average, mutual insurance for dogs or cats pays for:

  • Operations and anesthesia
  • radiology
  • A prevention package (vaccine, pest control, etc.)
  • Routine medical care
  • Medication

Mutuals for animals can reimburse up to 2000 euros depending on the formula chosen.

How to be reimbursed for veterinary expenses?

Choosing animal insurance helps to minimize the costs of veterinary care and to cover unforeseen expenses. Insurers offer different insurance formulas with more or less extensive levels of cover. We advise you to make different quotes in order to compare the different offers. Some reimburse 100% of veterinary fees.

Be careful, when you take out mutual insurance for your already sick animal. Indeed, care related to this pathology will not be compensated.

In concrete terms, once you have taken out insurance for your animal, the reimbursement procedures are identical to those of people. You just have to send the invoice to your insurer to benefit from a reimbursement.

>>Click here to compare dog and cat insurance

How does the price of insurance vary?

The price of animal health insurance varies according to the profile of the animal and the formula chosen:

  • Insurance formula: basic, intermediate or optimal
  • Type of animal: the price will be higher for a purebred cat and dog than for a NAC (rabbit, rat, ferret, hamster, etc.)
  • Breed of the animal: insurers often apply additional premiums for purebred dogs and cats which present more health risks. Some breeds are more confident than others.
  • Your pet’s age

As with any type of insurance, it is the measure of risk that can increase your premium as well as the number of guarantees desired. This is why insurance contributions are more substantial for purebred animals and older animals. If there are mutual health contracts for animals at less than 10 euros per month, it is better to compare the level of coverage.

What to remember about the price of dog or cat insurance

In order to know whether or not you should take out animal insurance, you must analyze your animal’s profile:

  • His age
  • His race
  • His health
  • His medical history

As a general rule, insurance companies refuse to insure animals that are too old (more than 7 or 8 years old). Similarly, insurers refuse to cover care related to a chronic, hereditary pathology and prior to the subscription of the contract.

Good to know: first and second category dogs require specific and compulsory insurance.

Despite the differences in offers and formulas, most insurers cover at least:

  • Veterinary consultations
  • Routine medical care
  • Medication
  • Acts of surgery and anesthesia
  • Radiology acts

When you decide to take out mutual insurance for your pet, make different quotes. Go to this online pet insurance comparator to study the different pet insurers, we often think of the best known, MACIF, MAIF, SANTEVET, CREDIT MUTUEL, ASSUROPOIL, but there are others.

We advise you to be vigilant on various points in order to find the mutual insurance company for animals at the best price: ceilings of support, exclusions of guarantees, waiting periods and amount of deductibles.

The article is in French

Tags: Mutual animals price protect

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