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!
