Is pet health insurance worth it?

 

Is pet health insurance worth it?

Who is insured?

In most cases, only healthy animals are insured. If there are previous illnesses, these must be reported before the contract is signed. In addition, the insurer often requires a veterinary report on the health of the animal. Depending on the insurance company and the illness, the insurer may refuse to take out the insurance. If the contract is nevertheless concluded, the respective illness or the therapy required for it will be excluded from the insurance cover, so that there will be no assumption of costs. This means that the animal owner has to pay for this himself.

It is also important to note that the animal to be insured must generally not be younger than two months. If the animal has already reached an advanced age, the companies usually refuse to take out insurance. Usually the following applies here: The older the animal, the higher the contribution. This is also based on other factors such as breed, weight and size. A well-known example of animal health insurance is the Dog health insurance from Petplan.

Waiting times and stay abroad

But that’s not all, because the insurance companies usually do not cover the costs of an illness immediately after the start of the contract, but only after a certain waiting period. This is usually three months. An exception to this are usually accidents: Here there is immediate insurance protection.

Incidentally, this usually applies not only in Germany, but also during a temporary stay abroad. In dogs, it is usually up to twelve months. Depending on the insurer, this can even apply to Europe or the world.

Animal Health Insurance: Benefits

Health insurance for animals usually covers, for example, veterinary and surgical costs for various treatments, outpatient, inpatient and surgical. This also includes medication, diagnostics and, if necessary, accommodation.

However, only medically necessary treatments are covered. For example, many insurers do not cover castrations and sterilizations that are carried out without necessity. Likewise, tattoos and chip markings are not covered by the insurance.

Important: Many veterinarians charge three times the rate, according to the scale of fees for veterinarians. Insurers, on the other hand, often only pay twice the rate. So it is quite possible that, despite taking over the insurance, you have to pay some costs yourself. Furthermore, not every insurance reimburses 100 percent; often only 80 percent is usual, so that 20 percent has to be paid as a deductible.

Furthermore, it is important to clarify in advance whether the choice of veterinarian is free or whether, for example, the veterinarian is generally the first point of contact.

Is pet health insurance worth it?

Despite animal health insurance, the pet owner can incur a wide variety of costs. In addition, the amount of the contributions and the respective benefits vary depending on the insurer.

On the other hand, there is the fact that treatment at the veterinarian quickly leads to very high, unexpected costs, which are not always immediately covered with the help of the doctor checking account can be covered. Pet health insurance is therefore often worthwhile.

However, the conclusion of such insurance should always be weighed up individually, taking all factors into account. This includes, for example, the age of the animal and any previous illnesses. It is also advisable to compare the different insurance offers well with each other, as they often differ greatly from each other. A comparison can often save quite a bit; and that, with the same or similar services.

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