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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