These costs are covered
Depending on the policy, the providers of animal insurance cover treatment costs after accidents or illnesses of dogs or cats. Poisoning is also generally considered an accident and is covered accordingly in animal insurance.
The following costs are usually also covered by the insurance:
- Fees for veterinarians and physiotherapists
- Surgical fees
- Emergency transportation and stay in hospital
- necessary sleep
- necessary medication
- dental treatments
- depending on the provider: homeopathic applications and products
- depending on the provider: further alternative treatment measures
Costs for the treatment of diseases are not covered. For some symptoms, it is therefore first examined whether they are based on an inherited disease and are therefore excluded from insurance. This can be the case especially with problems with the hip or knee joint (for example hip dysplasia in the German Shepherd or patella luxation in the Chihuahua). The animal owner must bear the costs for this.
Important: note the maximum amount
No insurer pays the cost of veterinary treatment for an unlimited amount. To this end, maximum coverage amounts are set in the insurance contract, which represent the maximum limits for a benefit per year. For a dog, 6000 Swiss francs are considered sufficient, because veterinary bills over 5000 francs are rather rare.
Treatment costs usually range from 300 to 500 francs a year. However, if you want to cover yourself completely, you should consider that a longer stay in the hospital can also be in the five-digit cost range. This is then only covered up to the agreed coverage amount, the rest must be financed yourself. However, the likelihood of this is low, so it is worth considering the risk yourself if you have sufficient reserves.
Conclusion: These costs are borne
No animal insurance is an all-rounder at a low price. This means that the premiums increase with the scope of the service and each pet owner must decide which risks should definitely be hedged and which may be dispensable. The costs of veterinary services, medication administered and surgical interventions should always be covered.
Each pet owner must decide whether the insurance should cover the costs for worming and vaccinations as well as regular preventive examinations, or make it dependent on the budget available to them. However, it is possible to insure the dog or cat completely and to settle all costs with the corresponding health insurance coverage.
Before you choose an insurer, you should consider the offers for one here Compare pet insurance! Find out which provider has the ideal product for you at the cheapest price and only then decide for or against an offer.
