Dog health insurance: costs and benefits
Many dog owners are aware of the costs of acquiring their four-legged friend. They know that food must be purchased or that a dog tax and vaccinations must be paid. However, that one day her dog is dependent on medical help, for most of the “masters and mistresses” is beyond any calculations.
Medical treatment in dogs can be very costly. After all, if necessary, the same treatment steps are carried out in veterinary practices or veterinary clinics as in humans. The only difference: people are mostly protected by health insurance, animals rather rare.
The most important reason for taking out a dog health insurance is thus to be protected against high treatment costs in the event of illness. This applies for example to ORs or radiological diagnostics.
At the same time, health insurance ensures that the animal is treated, even if its own household budget is tight. This is all the more true, if the own dog is soon in a good old age, in which as with humans more illnesses can occur.
Dogs are family members
For dog owners their four-legged friends are usually mostly equivalent family members. For this reason, it is not a question of whether a dog health insurance should be completed, but only to what extent this insurance should have.
Disadvantages of a dog health insurance
As with all health insurance, the disadvantage of health insurance is its inadequate performance. Consumers should be aware of when the dog health insurance covers the cost of treatment or medication.
Thus, negative surprises can be avoided in an emergency. At the same time, it is important to clarify whether the monthly installments of the insurance premium are worthwhile in comparison to actually due treatment.
Other disadvantages can not be mentioned in the dog health insurance, except that consumers are usually tied to a specific term and that even additional monthly fixed costs.
Benefits for veterinarians
A dog health insurance can also be beneficial for veterinarians. Especially with animal treatments, veterinarians often struggle with unpaid bills. If a dog is insured, the doctors know that their treatment is being paid. At the same time, they can assume that pet owners visit the doctor even if the household budget does not allow them financial flexibility.
Almost standard in other countries
While the dog health insurance in Germany still has found a relatively small distribution, the coverage for dogs in other countries is almost standard. For example, dog owners in the US, who are not necessarily considered a prime example in the area of health insurance for people, have been able to secure four-legged people for treatments for several decades.
Even in the UK or Sweden, the option of dog health insurance has been used for many years by a majority of pet owners.
Services: treatments and more
With the completion of a dog health insurance, consumers have the opportunity to be reimbursed up to 100 percent of the treatment costs. The amount of the refund depends on the tariff and provider. The same applies to the different services.
Irrespective of the insurer, the costs are usually borne proportionally or fully for the following services:
- Outpatient treatments
- Inpatient treatments
- Pretreatments or aftercare
- Inpatient stay
- Dressings and remedies
Further characteristics of the health insurance for dogs
Each insurance policy for dogs can be characterized by further details. These include, for example:
- Refund limit : Depending on the provider and tariff, the amount of reimbursement per year may be limited. Good fares usually have no annual reimbursement limit.
- International protection: A dog health insurance can also be valid in other European countries or worldwide. How long it is there depends on the policy and insurer.
- Alternative treatment methods: As with health insurance for people, dog health insurance can cover the costs of alternative methods of treatment , such as osteopathy or homeopathy.
- Grants: Consumers can look at the benefits that dog health insurance offers for certain treatments, such as castration, vaccinations or the use of chips to identify the dog.
Observe waiting time
After the conclusion of a dog health insurance, there is usually a certain waiting period until consumers can take the insurance. It is often 30 days.
Cost of dog health insurance
Basically, dog owners can insure their four-legged friends from just under 20 euros per month. Depending on the scope and age of the dog, the insurance can cost more than 100 euros per month.
The costs of dog health insurance depend on various factors.
- Insurer: The individual tariffs vary considerably from insurance company to insurance company.
- Age of the dog: As a rule, the insurance costs increase with the age of the animal. Pre-existing conditions can make the tariff more expensive.
- Contract period: If the insurance term is chosen longer, discounts are usually possible.
- Payment: If consumers opt for an annual form of payment, they can receive the highest discount.
- Deductible: Some insurers offer cheaper rates if a deductible is agreed upon for OPs.
- Scope of benefits: Most dog health insurance companies are lockable as surgery insurance or full insurance. A pure surgical insurance is usually the cheapest option.
Maximum age for dog health insurance
Most insurers only take dogs up to the age of ten into health insurance. This limit must necessarily observe pet owners, if they want to take dog health insurance.
Compare services and tariffs
In order to save costs, consumers should compare before concluding the contract, the benefits and tariffs of different providers. For this purpose, the information that is available on the Internet. Comparison calculators help with the selection.
Provider for dog health insurance in Germany
In Germany, five providers have established themselves in the field of dog health insurance.
|Agila||This provider has two tariffs in the portfolio. With the “Tierkrankenschutz” all important treatments are covered. Extensive is the so-called “Tierkrankenschutz Exklusiv”, which allows reimbursements up to the triple rate according to GOT.|
|alliance||The large insurance company offers protection “Optimal”. Special features of the tariff are the brokerage of animal pensions or care facilities as well as a worldwide unlimited insurance coverage. The alliance also offers reimbursements up to three times the GOT rate.|
|Helvetia||This insurance has two tariffs in the portfolio, which offer extensive protection for dogs. The comfort rate includes unlimited reimbursement for diagnostics, treatment and medicines as well as surgical procedures. There is no maximum compensation limit per year.|
|Petplan||The animal insurer offers its dog insurance in two rates already for dogs from the eighth week of life on.|
|Uelzener||The company, which specializes in animals, includes dogs without age limits in health insurance. In addition, there is no annual reimbursement limit.|
Costs for dog owners at a glance
- Food: Depending on the size of the dog and the quality of the food, costs between five and 100 euros per month may arise.
- Veterinarian: For vaccinations and routine examinations costs between 100 and 200 euros per year can be incurred.
- Dog tax: Depending on the breed and region fees between 30 and 200 Euro per year are possible.
- Dog liability: The liability insurance is mandatory in some states. It costs between 50 and 100 euros per year.
- Dog school: If the dog needs support in behavior, the cost can quickly range from 300 to 500 euros, depending on the duration of the school.
- Transport boxes: If you want to transport your dog safely, you need appropriate transport boxes, which can cost more than 100 euros.
- Dog Toys : Art-fair toys for dogs are available from 3 Euro.
- Dog accessories: Collar, leash, food bowl, dog blanket or basket can cost between 50 and more than 100 euros.