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.
