As a pet owner, you have certainly asked yourself whether taking out a Pet health insurance makes sense Dog owners, especially first-time dog owners, are faced with the decision of a health insurance for your pet But which illnesses should pet health insurance cover? In today's blog post, we will explain to you which aspects you should pay attention to before taking out health insurance for your dog or cat and which costs may arise when taking out pet health insurance.
Can pet health insurance protect against financial difficulties?
One pet health insurance can protect you from financial difficulties and worries in an emergency. The following principle applies to the vet: Pets are treated like private patients for veterinary billing purposes. Medical care for your pet can quickly become a costly affair. It can be particularly expensive for you as an owner if your pet has a requires extensive or long-term medical careEven simple examinations at the vet can cost several hundred euros. Whether it's a puppy, a fully grown dog or a dog of sound age, unfortunately no animal is immune to accidents. Breed-specific and age-related illnesses can also quickly lead to high costs. However, which veterinary services are covered by a pet health insurance policy depends on the type of insurance coverage.
For example, if you decide on a pure surgical cost insurance, the insurance only covers the costs of surgical interventions. In contrast, full dog health insurance can reimburse the costs of annual veterinary treatments. This includes, for example, costs for examinations and vaccinations as well as medication and dressings. Whether and when you need pet health insurance naturally depends on the breed and daily habits of your pet. However, given the high costs that you as the owner may face in the short term, you should consider in advance whether health insurance to cover your pet's health risks could be beneficial.
Difference between surgical cost insurance and full health insurance for animals
The type of insurance, sometimes even the insurance company itself, determines the scope of benefits. While a pure Surgical cost insurance only covers the costs of a medically necessary operation, full animal health insurers also cover the costs of a veterinary examination. It often does not matter whether the medical surgical intervention is necessary as a result of an illness or an injury caused by an accident, for example while walking the dog or playing. Animal health insurance differs from surgical cost insurance in that it covers a very high comprehensive insurance coverage offers similar benefits to those provided by your own health insurance.
The pure surgical cost protection is usually shown as cost coverage for operations. The costs for inpatient admission as well as care and treatment after the operation are also often reimbursed by the surgical insurance. On average, insurers cover the costs for a maximum of 10 days of inpatient admission. If you are considering taking out surgical cost insurance, you should pay attention to the insurers' annual benefit limits. They can vary in amount and can also be linked to the insurance company. Some surgical insurance policies also include basic international health insurance.
The comprehensive health insurance for your pet impresses with its extensive range of services. Annual veterinary services such as various examinations and vaccinations can be covered by the insurer within the framework of this insurance. The Surgical cost protection is often included in comprehensive health insurance The basic benefits of full insurance for pets also include services such as:
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- medical treatments,
- Professional teeth cleaning,
- blood, tissue or urine diagnostics,
- and the treatment of allergies.
In the premium tariff, which many insurers also offer, you can expect even more benefits. Depending on the tariff, insurers pay for:
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- physiotherapy,
- heart surgeries,
- X-ray,
- MRT,
- Ultrasound,
- Electrocardiogram (ECG)
- and ultrasound.
Especially in the case of medical conditions that require these and other complex and costly diagnostic procedures, the costs can add up to a high amount.
FAQ: 3 questions and answers about pet health insurance
What services does surgical cost insurance for animals cover?
In principle, a surgical cost insurance all costs associated with a surgical procedure. This includes in particular the costs of the operation and the costs of aftercare. Some providers also insure the costs of the preliminary examination and medically necessary follow-up operations.
What services does pet health insurance cover?
One pet health insurance reimburses the costs for operations and veterinary care. Outpatient and inpatient treatments as well as surgical interventions and the necessary diagnostics, accommodation and medication are covered by the insurer as part of a comprehensive animal health insurance policy.
Why does it make sense to take out pet health insurance?
Illnesses in pets can cause high costs. The Veterinary treatment can quickly add up to a four-figure sum. Since most veterinary costs unfortunately arise spontaneously and at short notice, full pet health insurance can be very reassuring in the event of an emergency and protect against financial bottlenecks.
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