Protection against high costs through animal insurance
It is assumed that a cat costs up to 20,000 Swiss Francs in its life and special feed, extravagant treatments or other excessive costs are not included. A dog is understandably more expensive. Still, less than ten percent of domestic animals in Switzerland are still adequately insured, which is surprising given the general level of insurance in Switzerland. Animal insurance can protect against high costs and in return must be taken out at a comparatively low fee. The benefits that are borne by animal insurance vary depending on the provider. As a rule, these costs are covered:
- Post-accident surgery costs
- Treatment costs after poisoning
- Treatment costs for diseases
- partial coverage of prevention costs (vaccinations, worming, etc.)
Animal insurance can be taken out especially for dogs or cats. Many insurers set age limits, usually animals are only insured from the age of three months. Often seven years are the upper limit for the admission of animals, but some providers have no age limit. The premium will then be more expensive, at least for new animals to be insured with a higher entry age.
New opportunities require higher costs
While in the past many animals were put to sleep because they could not be adequately treated, veterinary medicine now has extensive treatment options. These include operations that would have been unthinkable in the past: kidneys have already been transplanted in cats in the USA!
The sense and nonsense of some treatments can certainly be disputed, but it is good for every pet owner to know that the wallet does not have to decide on a life-saving or at least life-prolonging treatment measure. Animal insurance pays for the most important costs and, depending on the provider, also pays for alternative treatment methods and for the physiotherapy of the animal. The four-legged family members are thus treated on an equal footing with the other members of the family and do not have to forego important treatment for financial reasons.
Conclusion on animal insurance
Given the importance that many dogs and cats have for their owners, it is good to know that thanks to comprehensive animal insurance, important treatment measures can be carried out and do not become a financial burden. For comparatively low premiums of less than CHF 10 per month, the costs of treatment after accidents, injuries and illness are covered.
It is important, however, that you take the offers for one Compare pet insurance! Premiums and benefits are very different and thanks to the insurance comparison, you separate the overpriced providers from the really good offers.
