Animal insurance: what does a dog cost me?

Anyone who is already considering how expensive a purchase with several hundred or even a thousand francs is when buying a dog should not buy an animal. Because: The costs that a dog causes in the course of its life are many times higher than the purchase price! In general, it is assumed that at least 25,000 to 30,000 Swiss francs a dog costs up to the age of 15.

Pet insurance costs dog

Certainly not every animal gets so old, but others get older. Still others need special feed due to an allergy or intolerance to feed, some seem to magically attract accidents and seem to be more often at the vet than at home. Of course, you can be lucky and your dog only costs vaccinations, worming and food in his life, but you cannot know it. Better, you are covered for an emergency!

Examples of common diseases and accidents in dogs

Many diseases are typical of the breed and therefore occur frequently within this breed. Many Chihuahuas and hybrids of these breeds suffer from a patellar luxation, i.e. from a kind of "jumping kneecap". Boxers often have problems with the respiratory tract, which has occurred due to the breeding of particularly short snouts. 

Hip dysplasias decrease in numbers in German shepherds, because breeding has reoriented itself and dogs with straight backs, but with fewer joint problems, are being bred again. Still, are there common diseases in many dogs? regardless of race? can occur and cause corresponding costs. Here are a few examples:

    • Broken leg: up to 2700 Swiss Francs
    • Poisoning: up to 3000 Swiss francs
    • swallowed foreign objects: between 1000 and 2500 Swiss Francs
    • Stomach rotation: up to 3000 Swiss Francs
    • Chemotherapy: up to 3000 Swiss francs

These costs do not spill over to the owner of the sick animal, but are due at once. Some veterinarians or hospitals can certainly be negotiated and an agreement on payment in installments is possible. Nevertheless: The high expenses remain and burden the household budget of owners.

In addition, there are often other costs that are not caused by the Pet insurance covered which are nevertheless necessary. One example of this is feed costs. If the dog needs a special diet food because he is not allowed to eat his usual food after the operation and until full recovery or because he has developed an intolerance in the meantime, this can mean up to 100 Swiss francs a month. 

In addition, no complications are considered in the examples mentioned above, because this is not always done with the usual treatment. The costs for the veterinarian and medication then understandably increase.

Conclusion: this is how much a dog costs

If you find out exactly how many thousands of francs the dog will cost before you buy a pet, you may shy away from buying it. However, many of the costs can be covered by animal insurance if the case should actually occur and the dog breaks a leg, suffers from a megaesophagus or swallows the children's toy and must be treated accordingly. Appropriate risk protection is recommended in any case, if such expenditure could not be covered from the available financial reserves.

Here you have the opportunity to do this and the offers for one Compare pet insurance, Do not only look at the annual premiums, but also at the scope of services of the individual providers!

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