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Animal insurance: sensible or unnecessary luxury?

Pet insurance

Animal insurance: sensible or unnecessary luxury?

People have health insurance to be treated well in the event of an accident or illness. You pay a certain amount for this and thanks to social security, more expensive treatments can also be financed. But what about the animals that are often treated like family members? Too often they have to be denied important treatment because they are simply not affordable. If suddenly several thousand francs are due for therapy, some pet owners cannot afford it. Difficult decisions have to be made now. But there is another way!

Pet insurance

Financially secured with animal insurance

It happened quickly: The dog ran into the street or was involved in a biting shop in the park. Or the cat fell from the balcony and now needs medical help quickly. Should this really fail because of the costs? Certainly there are many pet owners who can also handle larger expenses and for whom it is not a problem if a four-digit bill is expected from the hospital. 

But the majority of pet owners have to pay attention to how high the expenses for the hairy family member can be, and sometimes have to weigh up the treatment accordingly. With a Pet insurance Such considerations become unnecessary, because here only the premium has to be paid. In addition, amounts are due as deductibles per insured event or once a year (depending on the tariff). The insurance bears the remaining costs up to the agreed coverage amount.

Also possible as a reserve?

It is also possible to save fixed amounts every month. In an emergency, these can be used to treat the animal. However, higher sums have to be put aside because treatment can quickly reach four-digit levels. This procedure is unfavorable for all pet owners whose dog or cat needs expensive treatment shortly after the start of the saving phase. As a rule, not enough money is saved to cover the costs.

Conclusion: Animal insurance is usually not an unnecessary luxury

These considerations show that animal insurance is usually not an unnecessary luxury. Rather, it is an important safeguard for emergencies when a dog or cat suffers an accident or becomes seriously ill and requires expensive treatment. If you do not have sufficient financial cushion, but still want your four-legged friend to be covered, you should take out animal insurance. This is already available for low entry premiums with sufficient benefits.

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10 tips: how do I find the right animal insurance?

the right animal insurance

10 tips: how do I find the right animal insurance?

Finding an animal isn't that hard proper pet insurance to have it very much! Therefore, first of all, the recommendation: Do not conclude any contracts prematurely and do not allow anything to be imposed on you. You have the choice between different providers and contract variants, different comprehensive packages and contract designs.

the right animal insurance

You can view the offers for Compare pet insurance and can define the most important features of the insurance packages for you.

The following tips will also help you to find the right animal insurance:

1. Choose between animal insurance and accident insurance

Animal insurance can be very comprehensive and includes damage to the animal in the event of an accident or illness. However, if the dog or cat is too old at the time of the takeover, you may no longer be able to insure the animal. In this case or if a lower scope of benefits is sufficient, accident insurance for animals can be useful. It only applies if the animal is damaged by an accident.

2. Check performance

A lot is promised by the insurer and full-bodied concessions are made. On closer inspection, however, these turn out to be less good and there are numerous exclusions in the small print. Take a close look and check which services are really offered and which only appear for advertising purposes only.

3. Check deductible

If you are required to pay a high deductible, which you then have to pay for each damage event, the insurance policy in many cases leaves only a very small portion of the costs to be borne. This is not worth it because you would have to add your premiums to it. If you end up paying as much for insurance as paying all the vet's bills yourself, you don't need them.

4. Check the transfer of treatments

Take a close look at which treatments are taken over and which conditions are linked to the benefits. Some insurers only benefit if you and your pet go to a specialist who is recognized by the insurance company. You then have no free choice of veterinarian, which also applies in an emergency. Also pay attention to whether chronic diseases are taken over. If this is not the case, you should look for another provider.

5. Note right of termination

Some insurers assume damage as agreed, but then give the pet owner notice of termination. This is not expedient and presents you with additional problems when looking for a new insurer. Therefore, pay attention to the termination clauses! Some providers waive their right of termination in the event of damage after a certain contract term, which you should give preference to.

6. Don't just look at the cheapest premiums

Many providers advertise with cheap premiums, but then require a high deductible or offer only very limited services. Others exclude numerous risks, which are very common. This cheap insurance can become expensive in the course of a dog's or cat's life because the policyholder, i.e. the pet owner, still has to make high contributions of his own. So don't just look at the annual fee, but at the entire package.

7. Select the appropriate insurance sums

Some insurers offer fixed cover amounts, which are sometimes too low or too high for individual pet owners. Choose an insurance company with which you can determine a suitable coverage amount. There are no upper limits for some tariffs, which are particularly interesting for animals that are at high risk of illness or injury. But keep in mind that higher coverage amounts also mean higher premiums.

8. Pay attention to the information on the services

The insurance policies differ in another important point, which also refers to the coverage amounts: depending on the contract and general insurance conditions, the maximum coverage amount is paid out per year or per event. This means that the insurance company would not pay for a second insured event per year if the maximum coverage was already achieved for the first insured event. However, if it works for every damage event, you are on the safe side.

9. Pay attention to reputation

It can be worth asking about experiences with various animal insurers on the Internet or with friends. Some insurers appear to be more involved in lawsuits than others. It can be concluded here that they do not necessarily like to perform, to put it mildly. Others are showered with good ratings. A closer look and a comprehensive insurance comparison are particularly worthwhile.

10. Pay attention to waiting periods

The waiting periods of the individual insurers vary. While some only require a waiting period of one month, others set the deadline longer and let their insured parties wait three months before the first possible use of the benefits. In some cases, comprehensive evidence must be provided that an illness did not exist at the start of the insurance if the insurer received a claim shortly after the contract was concluded. Current assessments by other policyholders are also helpful in this regard.

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Can the animal insurance company terminate the contract in the event of damage?

Animal insurance termination

Can the insurance company terminate the contract in the event of damage?

In principle, animal insurance is structured in a similar way to health insurance for people and works that way. Unfortunately, this also means that the insured can be terminated in the event of damage. Many policyholders are surprised that not only them, but them too Animal insurance have a special right of termination. But it is not that easy for an insurance company to cheat itself out of the contract.

Animal insurance termination

Cancellation possible in the event of damage

The law allows both parties involved to terminate the contract. This means that both the insurance company and the insured person can teach termination for an important reason or at the end of the insurance year. Nevertheless: No benefits may be refused for an ongoing damage event. 

An example:

Bitch Fridoline has been fully insured with xy insurance for two years, although there is no limit to the cost sharing in the event of damage. A respiratory illness is now diagnosed at Fridoline and the costs of the treatment are transferred to the insurance company. This pays the veterinary bills initially and then discontinues the services. At the same time, the owner of Fridoline is terminated. 

It is quite clear that something like this does happen, but it is not legally permitted. The insurance company can lay down such regulations in its small print, but it is not allowed to implement them. This is considered unfair and therefore illegal. The procedure is therefore invalid, the xy insurance company has to pay the costs for the treatment of Fridoline. It is only annoying that this is connected with a legal dispute and that this is protracted. However, Fridoline needs to be treated, which means that the owner has to advance the costs and, in the end, high additional costs for them because they have to pay a lawyer.

Other regulations are also possible

But there are also animal insurers who are interested in a good business relationship. With these, the policyholders have a kind of trial period, which can be, for example, three years. Damages are paid during this time, but should be within the limits. The contract then changes into a kind of non-cancellable relationship and the insurance company waives its right to terminate in the event of damage. For the policyholder, this means a significant increase in security, because they can be sure that the insurance will continue to exist even after a claim has been reported.

Conclusion: Termination is possible, but subject to conditions

In summary, it can therefore be stated that termination in the event of damage is possible. Nevertheless, the insurance company only has to bring an ongoing insurance event to an end or render the benefit until the maximum coverage that has been contractually guaranteed is reached. After that, however, she may send the policyholder notice of termination. Insurers who waive their right of termination in the event of damage after a fixed contract term can now be found on the market and should be given preference.

Here you can find the offers for Compare pet insurance! When making a comparison, be sure to include the procedures in the event of a claim if you want to be fully covered, and read the fine print before signing the contract.

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Animal insurance: what should be considered?

Pet insurance

Animal insurance: what should be considered?

Not everything that glitters is gold on the animal insurance market either! There are providers who rule out many possible cases of damage, while others even offer to cover the costs of treatments for dogs that have to be treated for inherited diseases.

Pet insurance

There are a few points to watch out for so that you can find the right pet insurance for your four-legged friend:

Choose a suitable product

The animal insurers offer different benefits and exclusions. Stupid when the performance that is most important to you is excluded! Therefore, take a close look at the general insurance regulations and choose the basic and additional benefits that optimally protect your four-legged friend. But you can do without the inclusion of numerous little things that ultimately drive up the bonuses. Vaccinations and worm cures do not necessarily have to be insured!

Set the deductible appropriately

The deductible can be set at different levels and you can choose between deductibles to be paid once a year and deductibles that are payable for each insured event. The fact is: the higher the deductible, the lower the premiums. However, do not set the deductible too high, otherwise the insurance portion will remain very small and you will still bear a large part of the costs yourself.

Use discounts

Many perks are offered when you sign up for the Take out pet insurance online. Direct insurers score points on the Internet with good services and low premiums! You can also save if you insure several animals. Often the premiums drop from the second insured pet onwards.
You can also save with the type of payment, because an annual or semi-annual payment is rewarded with discounts.

Report damage cases directly

If an insured event occurs, you should immediately report to the animal insurance company. Subsequent claims often cause problems, which in the worst case can result in reduced benefits. In the following, the insurance company can request various information and needs various documents about the course of the damage or reports from the veterinarian for the further processing of the claim. A tip: If your deductible is higher than the expected bill from the veterinarian or from the clinic, it is advisable to pay the damage yourself. Otherwise you can lose discounts from some insurers if you report damage too often.

Pay on time

Always pay the premiums on time! Otherwise you risk overdue fees and gaps in insurance coverage. Because: There is no insurance cover between the actual payment date and the actual receipt of your payment by the insurer. If a claim arises, you must pay for it yourself. If you do not respond to reminders, the insurer can cancel your contract.

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Animal insurance: can my pet be insured?

Can my pet be insured

Animal insurance: can my pet be insured?

Not every animal can be passed over a Get pet insurance. In general, the offers of the insurers are aimed at the owners of dogs and cats, few also offer the insurance of other pets or even large animals. Llamas, alpacas, goats, mini pigs, pet birds and even cattle can be insured with a few providers. In most cases, however, they are owners of dogs or cats who want pet insurance. But here, too, the following applies: Not every animal is really insurable.

Can my pet be insured

A question of age

Most animal insurance providers set an age limit: dogs and cats from three months old can be insured. The reason: very young animals often cause high costs and are much more susceptible to diseases. At the age of three months, when small dogs are allowed to leave their mums, they are already immunized against a variety of diseases and are less likely to be infected and infected. 

Conversely, even older animals cannot be insured for an unlimited period. The limit is usually seven years. If the animal is older, the insurers assume that the risk of illness is naturally higher and will no longer accept these animals. If the dog or cat is already insured with this provider by then, it will not be kicked out of the insurance. In some cases, higher premiums are incurred, but here too there are now providers who do without them and leave the premiums at the usual level for older animals.

Important questions before submitting the application

Animal insurance does not accept animals that are chronically ill or suffer from diseases. Most providers do not pay for the latter even if the problems become apparent after the contract has been signed and the animal previously showed no abnormalities. The following questions provide information about whether the animal is insurable or not:

    • Is the dog / cat chronically ill?
    • Is the animal already ill?
    • Is there an accident damage?
    • Is the animal younger than three months or older than seven years?

Some insurers cover the costs of treating chronic diseases when they first occur with an existing insurance contract. Many common health problems that are typical of the breed cannot be covered. The animals can then be insured, but special illnesses or consequential damages are excluded from taking over the benefits.

Conclusion: Not every animal is insurable

In addition to the fact that not every animal is insured under the animal insurance due to the species, not every dog or cat is admitted. Animals that are already ill, are chronically ill or suffer from hereditary diseases are not insured, which also applies to animals that are older than seven years. 

The risk of high costs is too great for the insurance company. In this regard, no exceptions are made against higher deductibles, the animals concerned simply have to be secured differently. Otherwise, the majority of pets must be covered by animal insurance, as there are now special rates and additional packages for many cases.

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Pet insurance: how high should the coverage amount be?

Pet insurance:

Pet insurance: how high should the coverage amount be?

The provider for a housepet insurance know different variants. On the one hand, it is possible for the insurer to cover the costs up to the agreed maximum coverage amount up to a specified part (usually 90 percent). The insured person pays his deductible once a year. On the other hand, the costs can also be covered up to the maximum amount insured, the deductible is then calculated for each claim.

Pet insurance:

How much can the coverage amount be?

There is no upper limit for the coverage amounts, but it should be clear that the higher the coverage, the higher the premiums. Amounts in the lower four-digit range are possible, but the sums can also be unlimited. The dog owner decides where the border should be. In some cases, the amount of coverage depends on the amount agreed for the franchise. 

If you only have a low deductible, you will not be able to get unlimited coverage. At some point, the insurance provider also secures itself! The deductible can be between 100 and 1000 Swiss francs and is recorded in the insurance contract. The amount of the deductible should also depend on the risk and whether this sum is due once a year or once per insured event. 

Those who have to go to the vet more often each year and pay the deductible each time still have to dig deep into their pockets with franchise sums of 500 or 1,000 francs.

Agree realistic coverage amounts

Sure, a longer stay in hospital can cost up to five figures. But how likely is it that your dog or cat will get into this situation? Even if no one can bother the famous crystal ball and see the future, realistic cover amounts should still be agreed. Experts believe that veterinary bills of more than 6,000 Swiss francs are very rare. 

Cover amounts of 10,000 francs should therefore be sufficient. If your dog is at high risk of having an accident because he or she accompanies you, for example, when climbing in the mountains, the amount of cover can also be adjusted accordingly. But be careful: Not everything can be insured and many insurers exclude individual causes of accidents and illnesses from their benefits.

Conclusion: The amount of coverage in animal insurance should be this high

In summary, the following can be stated:

    • Cover amounts between a few thousand francs and unlimited amounts are possible
    • recommended cover amounts are 6,000 Swiss francs
    • Animals with a foreseeably higher risk should be insured more
    • the amount of the deductible affects the premiums to be paid

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Without pet insurance it can be very expensive!

Pet Insurance

Without pet insurance it can be very expensive!

Dogs or cats are usually full members of the family and should also be able to be treated accordingly in the event of illness. Unfortunately, the veterinary bills often correspond to the bills that a person has to pay for their medical treatment. An accident happened quickly to the pet: the dog does not run on the sidewalk, but on the street and there in a car. He eats a piece of sausage on which the plastic cover is still stuck. The cat eats a mouse that has died of poisoning itself or does not fall on its feet as usual, but breaks its leg when it falls from the ladder.

Pet Insurance

Common illnesses and accidents and their costs

The following are examples of some costs for common diseases and accidents in dogs and cats:

    • Broken bone: approx. 2,700 Swiss francs
    • swallowed foreign objects: between 1000 and 2500 Swiss Francs
    • Stomach rotation in the dog: approx. 3000 Swiss Francs
    • Abscess in the cat: approx. 500 Swiss francs
    • Infection of a tooth: approx. 1000 Swiss francs

These examples are not particularly rare diseases and accidents, nor are they really expensive treatments. If you want to be able to say in an emergency that everything should really be done to help your four-legged friend, animal insurance is the method of choice.

Timely completion important

Animal insurance does not cover costs that are calculated for treatments based on existing illnesses or health problems. You cannot take out animal insurance for treatments that are already in progress. This also applies to consequential damage that occurs, for example, after an accident that was already before the start of the contract. 

Many animal insurance companies also set a waiting period of between one and three months. The insurance cannot be taken out during this time. The reason for this is that insurers want to protect themselves from misuse and ensure that they do not have to pay for illnesses or damage that originated before the contract was valid.

Not usable for hereditary diseases

Many dog and cat breeds have typical diseases that occur more often due to their breed. The animal insurances do not cover such illnesses! However, there are exceptions which, in return for higher premiums, also cover the costs of treatments based on hereditary diseases. If you know that your dog or cat is at greater risk than usual for certain diseases, you should You in completing the Pet insurance look closely and protect yourself accordingly. Then it can make sense to add an extra charge to the premium if the often very expensive therapies are covered.

Conclusion: definitely rely on pet insurance!

If you are not surprised by high costs, but also want to look forward to unexpected veterinary bills, animal insurance is the method of choice. Complete this as early as possible because most insurers only accept healthy animals. In addition, the premiums for young dogs or cats are usually even lower.

If you have decided to avoid high costs when visiting the vet and want to rely on animal insurance, you should consider the offers for Compare pet insurance, Only then is it advisable to take out such insurance!

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Why animal insurance is worthwhile!

Why animal insurance is worthwhile

Why animal insurance is worthwhile!

All too often inexperienced pet owners are a little blue-eyed. The animal was expensive to buy, so hopefully it will stay healthy for at least a while! But even if there are no costs in the first few years of keeping the dog apart from vaccinations or worming, an unexpected accident or illness can still lead to high costs later.

Why animal insurance is worthwhile

What if the animal runs out of the garden and onto the street, causes an accident there and is itself damaged?

So that good advice does not become expensive, you should be adequately covered, which in this example by taking out personal liability insurance with separate protection for pet owners and by a Animal insurance possible is.

Animals cost money

Nobody will buy a dog or cat without thinking about the follow-up costs. In most cases, however, only the annual veterinary costs for routine examinations and preventive measures are taken into account, plus the feed and basic equipment. But what if a serious illness occurs or the animal suffers a serious injury? 

A stay in the veterinary practice, if the animal has to stay there overnight, can quickly cost money. Staying in hospital is even more expensive: at least four-digit amounts are required for long-term treatment. If you cannot afford this or do not want to take the risk of facing such cost claims, you should rely on animal insurance. Among other things, this covers the following costs:

    • Veterinary fees and medication administered
    • Stay in the practice or in the hospital
    • emergency transportation
    • Osteopathic and homeopathic applications
    • vaccinations
    • Treatment for accidents and illnesses

Depending on the tariff chosen by the individual insurers, other benefits can also be insured. Sometimes this includes physiotherapeutic treatments or therapies for hereditary diseases. These are usually excluded from basic animal insurance. Dental treatments can also be secured, a point that is very relevant for owners of older animals. 

However, many benefits are also excluded. In this way, the costs of contagious diseases against which the animal could have been vaccinated are not borne. Psychotherapy or other treatments that cannot be proven to be effective are usually not accepted.

Manageable costs thanks to animal insurance

Animal insurance is usually offered against a franchise. This means that you contribute to the costs in the event of an insured event and with the amount specified at the time the contract was concluded (this amount can also be adjusted later). This can be, for example, 500 Swiss francs per insured event. The remaining costs are then borne by the insurance company up to the agreed sum insured. In some cases, only 90 percent of the costs incurred minus the deductible are borne, but for an unlimited amount.

Conclusion: Better take out animal insurance!

Animal insurance offers numerous financial advantages, which usually only become clear in an emergency. Veterinarian bills can quickly move to incredible heights and if you want to offer your animal the best possible treatment, you have to be able to pay enormous costs. This is exactly what is possible with animal insurance and decisions are made in favor of the animal and not taking into account the existing budget.

Before you take out animal insurance, you should take a close look. Here you can find the Compare pet insurance and find the right tariff for you!

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Buying dogs on the Internet: How to recognize dubious providers

dogs purchase

Buying dogs on the Internet: How to recognize dubious providers!

Those who want a dog are often shocked by the prices that breeders charge for their animals. It is often overlooked that healthy rearing, worming, vaccinations and the time invested in the socialization of the puppies also cost money.

dogs purchase

As a result, people look for cheap offers on the Internet. And lo and behold! Everyone can quickly find what they are looking for and the dogs even get to the front door? or to the nearest petrol station? delivered. It should be clear that there is only a scam behind it. The following ads indicate that the seemingly enticing offer with the cute doggie is a scam:

bargain prices

If expensive pedigree dogs are actually offered at bargain prices or even free of charge, you should pay attention. Therefore, first get an overview of the market prices for the desired dog breed and then pay attention to the prices offered. It is quite possible that you will get a very cheap dog puppy (mostly from Eastern European countries). But this usually causes high costs because it is not vaccinated, has serious illnesses, or does not even think about the first few days in the new home. So alleged bargains put into perspective and the only winners from the purchase are the fraudsters.

Conclusive information

Pay attention to the phone number displayed and search on the Internet where it leads. Often a completely different sales location is mentioned in the ad and the telephone number leads somewhere else. Special care should be taken with foreign numbers.

Linguistic errors

Fraudulent offers are often automatically translated and are characterized by gross spelling and grammatical errors. This can be an indication of fraud! This is especially true if the dog's location is said to be in Switzerland or at least in German-speaking countries.

Many ads of the same kind

Fraudsters often place advertisements in sales portals and use the same pictures and texts for different locations of their dogs.

Images and text do not match

The fact that puppies are sometimes mistaken for males and females in a litter can certainly happen. But if a French bulldog is described in text, there should be no pinscher on the pictures! Serious breeders and similar providers bring the right pictures to the text.

Little information

If the provider deals very sparingly with his contact details and is neither a specific location of the animal nor a telephone number, something is usually really lazy. Serious breeders want to be reached in as many ways as possible!

The animal should be brought

It is often offered that the dog is brought. It is therefore not possible to see the parent animals or the breeding conditions. If the dog is to be handed over in a public place, all alarm bells should ring. If you don't want to see the breeding site, which is said to be so beautiful for animals, you have something to hide!

Once the future four-legged family member has been found, you should consider the offers for Compare pet insurance and secure the dog accordingly. So the good time together can begin carefree!

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Animal insurance as protection against high treatment costs

Animal insurance as protection against high treatment costs

Animal insurance as protection against high treatment costs

Those who want to buy a dog or a cat are often shocked by the high purchase prices. A purebred dog that is said to cost over 1,000 Swiss francs? But the purchase costs are nothing compared to the costs that the owner will incur in the course of dog life. It becomes even more expensive if the beloved Bello has an accident or if he has to be treated for an illness. The acquisition costs are then quickly put into perspective at a fraction of the treatment costs!

Animal insurance as protection against high treatment costs

Animal insurance protects against high costs

An animal insurance is the best way to protect yourself from the consequences of illness or an accident with the associated high costs. After all, the four-legged family member should receive adequate treatment and get back through life as quickly as possible. But even five-digit amounts can be due for treatment in the hospital! 

Not everyone can wear this and then has to make the difficult decision to have the animal euthanized for cost reasons. So that this tragic path is avoided, is one Animal insurance makes sense. It covers all or part of the costs. Depending on the agreed coverage and the chosen insurance package, for example, 5000 francs will be paid for an insured event. 

The deductible, which is between CHF 100 and CHF 1,000 per insured event, is deducted from this. Important detail: With some insurance companies, the maximum coverage is limited to the year, while others apply this for each insured event. Those who have several insurance claims a year are better protected with the latter option.

Alternatives possible?

There are no concrete alternatives to animal insurance. But there are ways to save. On the one hand, some insurers offer animal insurance as an additional product for household insurance. This can be cheaper than taking out two separate insurance policies. On the other hand, it is possible to set aside a fixed amount each month and thus save on a specific insured event. 

However, this variant limps at the latest when the animal suffers an accident or falls ill soon after the purchase or when several treatments are required at short intervals. A large accident or very expensive treatment usually goes beyond the budget saved in this way. 

In summary, it can be said that there is no alternative to protection through a separate animal insurance, everything else is more of a kind of gambling and the hope that no veterinary treatment will be necessary anytime soon.

Conclusion: Animal insurance protects against difficult decisions

An animal owner can certainly face the difficult decision even if there is animal insurance and must put an animal to sleep because treatment does not bring any prospect of success. But for cost reasons, nobody should have to make this decision! The offers for animal insurance that can be taken out for differently high premiums in the year are now too good. The animal keeper participates in the individual insured event with a fixed deductible, the other costs are borne by the insurer. Whether this is unlimited or only possible up to a maximum of 90 percent of the costs depends on the insurance contract.

Do not make a hasty decision to choose an insurance provider, but take advantage of the opportunity here: you can choose from several Compare pet insurance and make your choice based on a thorough analysis.

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