cat with money
cat with money

Why is pet insurance important?

A visit to the vet can be quite expensive. Sometimes up to more than a thousand euros. That's money you often don't have on hand or somewhere. That is why it is good to have an animal insurance that covers these costs or part of them. So that in some cases you only have to pay a small contribution yourself.

So insuring your pet is a wise choice. When you have no money for treatment, it will not be performed. While this might be necessary to take away the pain or discomfort of a pet. Moreover, pet insurance does not have to cost a lot. With a cheaper insurance you are often well insured for care and treatments that are really necessary and cannot wait.

You do not have pet insurance yet? Then choose now for a cheap pet insurance. This will prevent a lot of unnecessary suffering and inconvenience.

What do you avoid by insuring a pet?

An accident can happen at any time. It can happen to your pet too. With an insurance for your pet you avoid unexpected costs. You often only pay a small part of the treatment yourself. How this is arranged is often stated in the policy conditions. Read these carefully because insurance policies often differ.

Another advantage is that you do not have to pay for expensive treatments yourself. This makes it easier for you to choose whether to have treatment or surgery.

The last reason to insure your pet is that money is less important when something happens to your pet. Without insurance you often have to think hard about whether you can pay the costs. So you are in a better position to choose for animal welfare. Thinking about this is proof of responsible pet ownership.

Let us consider the benefits once more:

  • Don't be faced with unexpected costs.
  • You do not have to pay for expensive treatments yourself.
  • Money plays no role in necessary treatment

Is insuring a pet normal to do?

Having a good pet insurance is becoming more and more normal. More and more people are seeing the benefits. But you do need to know what your pet is or is not insured for. You can read about it in the policy conditions of an insurer.

Taking out pet insurance is therefore normal and extremely sensible. A dog, cat or other animal is often a cherished possession within a family. More and more often, an animal is seen as a part of the family. Therefore, it would be a great pity if a treatment could not take place because you simply cannot afford it or because you are not insured for a relatively low monthly premium. So think carefully about the benefits of pet insurance and its value. So you can give your pet all the care he needs. 

What is pet insurance?

Does your pet need medical attention? Then you are well insured for this with a pet insurance. This prevents that a visit and treatment costs a lot of money that you have to pay yourself. A visit to the vet when something happens can easily run into hundreds of euros. Not to mention the subsequent treatment.

But not everyone has good pet insurance. That's a shame, because you benefit from financial security. Which is an absolute benefit to animal welfare. Because just like us humans, animals need the best care.

What kind of insurance is best?

There are many different types of insurance that you can take out. You can think of a good basic insurance. But there are also additional insurances. Sometimes even with preventive care for your dog. It is almost impossible to determine in advance which insurance is the best. After all, you have to deal with different types dogs and what you are willing to pay for good insurance.

The advice is therefore to have a good basic insurance in any case. With a good basic insurance you will often already get a large part of the costs reimbursed for treatment by a veterinarian.

In addition to a good basic insurance, you can also take out supplementary insurance policies. You can think of insurances for physio and alternative care. For some this is an absolute must have and for others too superfluous. Which insurance you choose therefore always has to do with your personal choice and how much you want to pay.

Which insurer is best?

As mentioned before, there are several insurers with a variety of types of insurance. Which one suits you or you should choose depends very much on your preferences and your financial situation. The more insurance you take out, the more expensive it will eventually become.

It is good to compare the different types of insurance that are available. There can be many differences. That way you not only know what is available but also what you have to take into account when it comes to costs.

How can you get pet insurance?

Most pet insurance policies can be taken out online almost immediately. But it is also possible that you want more information about an insurance or have questions that need an answer first. In these cases, you can simply contact the insurer, who will certainly want to think along with you.

When you want to insure older animals, an insurer will always want to receive the dossier in order to exclude current care needs. So when a dog has joint problems, you will not be insured for them in the future. This also applies when you want to switch.

If you only take out pet insurance when something is actually wrong, the insurance will not reimburse the treatment in many cases.

Does a pet insurance start immediately?

The insurance will only go into effect once you have provided everything that is necessary. In addition, most insurers also apply a period of time within which you are not allowed to claim any healthcare costs. With the exception, of course, of acute care, which cannot be foreseen.

With a large number of insurers, you have to wait until everything is in order. You can think of supplying a dossier, information about the dog and your personal details.

Is preventive care for your pet also insured?

Not every package includes preventive care for which you are insured. Check this carefully if you need it. Preventive care includes the castration or sterilisation of your dog. Depending on the type of insurance, it is also possible that an annual check-up is insured.

It is becoming increasingly rare for vaccinations to be insured or reimbursed by the insurance company. However, there are packages that still offer this. It is good to see if a package of your choice offers this possibility. You can save a lot of money by doing so.

A good insurance company is aware of the medical possibilities. It is good to know which insurers are aware of this. Because new techniques are not insured by all insurers. If you have questions about this, consult the helpdesk of the insurer of your choice.

Is pet insurance worth the money?

Insuring a pet is definitely worth the money. By insuring a pet, you do not have to worry about the costs of treatment in case of illness or an accident. When you have to go to the vet, it can cost a lot of money. Treatment can cost € 100, but if an operation is involved, it can be much higher, sometimes even thousands of euros.

If you do not have a lot of money to spend, you may consider a cheaper basic insurance. These are less expensive than the other packages, but you are assured that a large part of the costs for medical care for a pet will be reimbursed.

Pet insurance policies vary in price from a few tens to sometimes hundreds of euros per month. So it's a good idea to compare and see which pet insurance policy best suits your needs. Not only will you save money, but you can also be sure that you will get the care you want.

How much of a premium is normal?

As indicated, it is difficult to determine what premium to pay is normal. Certainly with the supplementary care packages, you can make it as expensive as you want, which, incidentally, does not determine the care for which you are insured. It is therefore good to make considerations, but also to compare and if in doubt, get in touch. With the health insurer for your pet?

More and more insurers are offering the option of insuring a pet. This is a good development. Because this way the premium for a pet insurance remains relatively affordable. But of course, this is different for every financial situation, where one person can easily miss the money, the other has more difficulties with it. I just can't afford to lose the money.

It is therefore impossible to give a good indication of what the premium may cost. For that, you really need to make a good comparison of the care you want.

woman with dog

Wouldn't it be better to keep some money aside?

Of course, saving for unforeseen costs at the vet is also a possibility, but in practice, this often does not work. You have to deal with expenses. And putting money aside is often part of In it is therefore good to be insured.

Moreover, € 1,000 or more is not something you can just save up for. It is therefore wise to take out good insurance for your pet. This way you avoid being unable to pay for costs or to finance treatment, causing your pet to suffer unnecessarily.

What can you insure your pet for?

The pet insurance policies are very extensive, just like the health insurance policies for humans. You can choose a standard basic package. This often covers 50% of all healthcare costs. But you can also choose a more extensive package. An extended package often includes cover for teeth, operations, accidents, coat care and preventative care.

If you choose a more comprehensive package, you are often insured for a higher amount. The amount can be as much as five or six thousand euros per insurance year. Of course, that sounds like a lot of money, but in practice it is not very much, especially if real medical care is required. Making a scan, performing an operation and the follow-up treatment. These are often very expensive. You have to think of thousands of euros for a specialist treatment or operation.

Why are so many insurers excluded?

Many insurers exclude certain breeds of dog or certain treatments. They do this for a reason, but to keep the insurances affordable. Because many breeds may need surgery in the future in order to continue to live and function. You can think of hips that are worn out or have a wrong posture, but you can also think of other care, for example of the nose or ears.

An insurance company will always exclude something that is known. This is also how it works when you switch insurers and have a care history with your dog. Then the insurer will always choose to exclude that specific care, because they know in advance that you will need that care and it costs money.

What can you not insure a pet for?

It depends on the insurer where you live whether it is insured or not. It is good to check the general insurance conditions to see if the care you want for your pet is insured or not. If you have doubts or cannot find a solution, it is good to contact the insurer and they can help you.

By asking the question in time which care is and is not insured, you avoid disappointment or setbacks at the time your dog or other pet needs care or treatment. In some cases, it is possible to insure the extra care you want at an additional cost. But an insurer is not obliged to do this. That is good to know, but fortunately there are more insurers. So you really do have a market in which you can compare, look at and take out insurance.

Which pets can be insured?

We already knew that you can insure a dog or a cat. But there are more animals you can insure. To do this, you need to look for a specific insurance for the animal you have. In some cases, an insurer can offer you custom-made insurance.

When insuring a pet, it is always good to look at the general conditions of the insurance. No matter which animal it is, by taking a good look at the insurance policies you take out? What you are insured for prevents you from having to pay extra later on or from being confronted with financial surprises. When you need an insurer for a treatment or an operation that the pet has to undergo.

What exceptions are there for pets?

Each insurer has exceptions, which may have to do with specific complaints that suit a pet or a breed, but they may also have to do with care for which they do not want to pay. For other reasons, an insurer is free to determine what you can be insured for and what you cannot. You are free to find the insurance that covers what you want to be insured for.

The exceptions are often not mentioned directly on the website. So you have to think carefully about that. So that you can put the question to the insurer. An insurer can investigate in no time and give you an appropriate answer.

Insuring all pets a good idea?

If you have more than one pet, it is good to insure them all, even if it is only for the minimum care costs. This way you avoid financial surprises later. Moreover, some pet insurances offer a discount if you insure more than one pet. That discount can sometimes be as much as 10 or 20%, depending on where you insure your pet.

Insuring a pet is not a superfluous luxury. You would rather not need insurance than have it, but when you need it, it is nice to be insured because you will not face unexpected costs and you can give your pet the care he needs.

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