Health insurance for dogs

Hund schaut zu Herrchen

So far health insurances for dogs are not mandatory. However, especially when your dog gets older, visits to the vet become more regular and the associated costs can rise. Health insurance can help and protect you from immense vet costs. Normally, health insurances cover most of the costs. Also, you are free to choose your preferred vet. However, individual conditions and benefits vary according tot he provider. So, a comparison between different providers of health insurances is always worthwile.

General benefits of dog health insurances

Usually outpatient and inpatient treatment costs as well as medication costs are included in the insurance. Some tariffs also offer vaccination benefits. Insurance companies often offer different packages so that you can decide for yourself which services you need. Sometimes, for operations you will even need a special insurance. It is worth taking a close look, especially since certain limits are defined. Upper limits determine how much is reimbursed for treatments.

What needs to be considered?

In addition to the information that you should compare several providers before deciding on a health insurance, we would like to give you more tips. It is important that you think about a health  insurance as early as possible. Especially, if your dog is still a puppy. The reason for this is simple – the younger the dog is, the lower the amount that you have to pay will be. This is because dogs are more susceptible to diseases as they grow older. But of course puppies can also get sick or injure themselves.

Some providers reduce the costs if a contract is conlcuded for several years or if you insure more than one dog.

Some companies offer discounts if you conclude more than one insurance at the same time, for example a dog liability insurance in combination with the health insurance. In some places a dog liability insurance is mandatory.

What other influencing factors exist?

In addition to the factors mentioned before, other factors can influence the amount that hast o be paid. The amount is not only influenced by the age oft he dog, but also by ist breed and shoulder height. If the dog is neither chipped nor tattooed, the fee may be higher.

How can I use the insurance?

This can vary depending on the insurance. Normally you first pay the invoice at the vet. Afterwards you submit the invoice to the insurance company in order to get your money back. In principle it is also possible that the invoice goes directly tot he insurance company and only differences that are not covered by the insurance have to be paid.

As you can see, there are many advantages to concluding health insurances. Of course, it is always possible that you will never need them. But that is how it works for every insurance. In case of doubt, you should begin to  hink about concluding a health insurance as early as possible.

To make it easier for you to choose the right insurance company, you can use the help of a comparison portal on the internet. There you can directly see which contributions you can expect from which provider.

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