A cat, a dog, a rabbit or a ferret are pets that can bring us a lot of love every day.
But when they do get sick, concern for their health is usually associated with hefty vet bills.
Indeed, animal care in a veterinary practice or clinic does not have fixed prices, which explains why the price differences between practitioners can be very significant.
On average, each year, the owner of a dog spends around 800 euros to take care of his animal.
A sum that increases to 600 euros for a cat.
A significant budget, in which veterinary costs represent an important part.
However, there is a solution to protect yourself against skyrocketing vet bills: pet health insurance.
This insurance, equally accessible for a dog, a cat or a NAC (new pet), costs on average a dozen euros per month.
It covers you for different situations related to your pet's health, whether it's routine consultations or more serious cases such as a broken leg or a chronic illness.
The investment is generally interesting, especially when you know that the slightest blood test or the slightest x-ray can be invoiced for tens or even hundreds of euros.
But how do you find the best pet health insurance?
Here are the different steps to achieve this.
I find the best pet insurance
How to choose the best insurance for your pet?
There are dozens of health insurance policies for pets on the market, but also a very wide choice of formulas, at very varied prices.
To determine which offer suits you best, you must already succeed in putting together the proposal that best suits you and your four-legged friend.
Proposals that vary according to the animal
When we talk about pet health insurance, we are really talking about dog health insurance, cat health insurance or NAC health insurance.
Indeed, there are almost as many insurance proposals as there are pets that you can accommodate in your home, and this is important information.
In fact, insuring a chinchilla does not cost the same as insuring a Labrador or a Carthusian.
There are notable differences between the prices, but also between the services.
Insuring a dog costs, on average, between 10 and 25 euros per month.
It all depends on its breed, its size, but also its age.
Generally, it is no longer possible to insure an animal from the age of 7, since it is considered senior at that time.
Insuring a cat costs a little less, usually between 7 and 20 euros per month.
Here too, the breed plays a role, as does the age of the feline or even its lifestyle: if it goes out daily, it is more likely to have an accident than if it stays inside constantly.
Here too, it is important not to wait for your cat to get old to insure it, because some companies impose limits.
Insuring a NAC, i.e. a new pet, can surprisingly cost more than insuring a purebred dog.
Indeed, it is not because your companion is small that he does not represent risks in terms of his health.
In addition, not all veterinarians are qualified to treat a ferret, a rabbit or a snake, which tends to increase the associated costs.
It takes between 5 and 50 euros per month to insure your NAC.
Insurance formulas with very variable prices
Just like health insurance for a human, health insurance for an animal exists in different formulas.
It's always the same principle: the more you want to extend the cover, the more you have to expect to pay.
Minimum pet health insurance is the cheapest.
It essentially covers basic care, with reimbursement generally at 50 or 60%.
It is possible that an annual deductible is present in the insurance contract, but it is often low.
An annual ceiling is also present, and its amount is variable: this is one of the main elements to take into account.
Intermediate pet health insurance is often the right compromise if your pet does not present major basic risks.
Reimbursement can go up to 80% with a reasonable annual deductible.
The annual ceiling is more realistic in the event of a big problem, and the rate to be paid each month is often correct.
Comprehensive pet health insurance offers the maximum coverage, for a significantly higher monthly fee.
Here, the refund is made up to 100%.
The deductible is higher, but it rarely exceeds the amount of a standard consultation with a veterinarian.
Many types of care are covered, including emergencies.
Pet health insurance: a question of balance
In light of this information, you can now determine what level of insurance you want to purchase for your pet, having a pretty clear idea of how much monthly you are going to have to shell out.
The next step is to find the insurance company that will best meet your needs while respecting the budget you have set.
Find the best pet health insurance with the Le Parisien comparator
Le Parisien's pet insurance comparator presents itself as the fastest and most effective solution to get a concrete overview of the different insurance companies operating on the market.
It has the advantage of not being limited to dog insurance and cat insurance, since it also allows you to compare NAC contracts: rabbits, ferrets, parrots, guinea pigs and chinchillas are among the new pets that can be selected when launching the comparator.
It is important to accurately fill out the form with all the relevant information about your pet, but also yours, when starting the search.
In this way, you can access very precise results, which correspond exactly to the rates for which you are able to claim.
This does not commit you to anything: you are not obliged to immediately subscribe to one of the insurances displayed.
You can therefore use the Le Parisien pet insurance comparator to multiply the quotes and get an idea before you start.
If you decide to take out insurance after using the Le Parisien comparator, you may have to provide other information to complete your file.
This is a process that is normal, and that exists with all types of insurance.
When your file is validated, your pet will be insured: he and you will be able to enjoy your good times together with complete peace of mind!
>> Click here to compare pet insurance
