Pets are not only loyal companions but also an important part of our family. But what happens when the beloved animal suddenly falls ill or has an accident? Veterinary costs can quickly become expensive. Here, pet insurance offers valuable protection. In this article, we answer the most important questions about pet insurance.
Why pet insurance makes sense
"No one likes to think about emergencies, but an unexpected visit to the veterinarian can incur high costs. From simple treatments to complex surgeries – the bills can quickly amount to several thousand euros. Pet insurance provides financial security and ensures that you can guarantee the best possible care for your pet in case of an emergency."
What does an animal insurance cover?
Depending on the plan, pet insurance covers various services. These include:
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Costs for veterinary treatments: Investigations, diagnoses, medications.
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The operation: Including anesthesia, aftercare, and inpatient stay.
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Preventive examinations: Vaccinations, deworming, and regular check-ups (depending on the plan).
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Emergency treatments: Also outside of regular speaking hours.
Which pet insurance covers a neutering?
The coverage of the costs for a castration depends on the chosen tariff. Many standard insurances cover castrations. not "since they are considered voluntary measures. However, some premium plans or special preventive packages may cover a subsidy or the full costs. It is worth checking the terms and conditions of the plans carefully."
What does a pet insurance cost?
The costs for pet insurance vary depending on the type of animal, age, breed, and chosen coverage. As a rough guideline:
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Cat insurance: from approx. 10 Euro per month
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Dog insurance: from approx. 20 euros per month
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Premium tariffs: can cost up to 50 euros or more per month
Additionally, a deductible can be agreed upon to lower the monthly contributions.
Pet insurance that takes effect immediately
Many insurance companies have a Waiting time of about 30 days. This means that the insurance only comes into effect after this period has expired. However, there are also providers that immediate insurance coverage "to offer, especially for accidents. This is particularly important if the animal already has pre-existing conditions or if the policy is taken out at very short notice."
Which pet insurance is the best?
The "best" pet insurance depends on individual needs. Important criteria for selection are:
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Scope of services: What is covered? Do preventive examinations and alternative healing methods also belong to it?
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Contributions: What are the monthly costs?
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Waiting times: Is there a waiting period or does the insurance take effect immediately?
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Deductible: Must a part of the costs be borne by oneself?
A individual comparison different providers help to find the right insurance.
Conclusion
An animal insurance not only provides financial security but also the assurance of being able to ensure the best possible care for your pet in case of an emergency. Those who choose insurance should carefully compare the services and costs and pay attention to individual needs. This way, nothing stands in the way of a carefree life with your four-legged friend.
