Are you planning to take out insurance for your already sick dog or cat?
It is quite possible to take out pet insurance in this situation, but be aware that most insurers will not cover the health costs related to this pathology.
We explain how to take out insurance for your sick animal.
I select an insurance for my animal
What are the conditions for insuring a sick animal?
Different criteria condition the subscription to an insurance for animals.
Insurance companies apply their own rule, even if the membership conditions are intended to be similar in the majority of cases.
From this observation, we note that several criteria determine membership in insurance as well as its cost:
The age of the animal
Health status
The race
Identification
The vaccination
Hereditary, congenital and chronic diseases
The state of health of your animal therefore determines the subscription to mutual insurance.
On the other hand, some insurance companies agree to insure a sick animal.
In this specific case, the costs related to this pathology will not be covered.
In addition, the insurer may apply exclusions from cover such as costs related to an accident or illness already contracted.
It is therefore essential to inform yourself well beforehand!
>>Click here and quickly compare dog and cat insurance
What is insurance for a sick dog or cat?
There are several reasons why pet owners may want to take out insurance for their sick pet.
Faced with accumulating veterinary costs and weakened health, the question of mutual insurance arises.
Even if the health costs related to the current pathology are not compensated, other health problems may arise.
That's why it's worth taking out pet insurance.
Indeed, animal insurance has many advantages both economically and preventively:
Coverage of costs related to the care of other pathologies
Preventive acts thanks to prevention packages (reimbursement of vaccination costs, sterilization, antiparasitic treatments, etc.)
This gives you the opportunity to take care of your pet's health in order to limit health problems and therefore reduce veterinary costs.
The insurances generally reimburse up to 2000 euros for the care, which is a precious help but also all or part of the veterinary costs according to the formula.
You can also find contracts for less than 10 euros per month.
The main thing is to compare to choose the right insurance according to the illness of your pet.
How do warranty exclusions work?
As with any insurance, animal health insurance covers some guarantees and others not.
You can choose between different formulas that are more or less covering and protective.
In addition, most insurance companies apply warranty exclusions.
They are then included in the contract and do not allow the reimbursement of health costs related to the pathologies associated with them.
We find for example:
Hereditary and congenital diseases
Pathologies already treated in the past
Care related to an accident occurring before subscription
Diseases caused by lack of vaccination
In addition, certain aspects lead to a suspension of warranty:
Cosmetic surgery care
Care related to animal neglect or mistreatment
Reimbursement limit exceeded
Costs not included in the insurance contract
Care related to the implantation of a prosthesis
Please note: when taking out insurance for your animal, find out about the possible existence of a waiting period.
Period during which the insurer does not cover veterinary costs.
You must therefore pay particular attention to the guarantees and clauses of the contract to find out which veterinary care is reimbursable.