Of course, it is not mandatory to take out pet health insurance for your dog or cat. But it can help ensure that your pet receives optimal veterinary care for as long as possible and overcome financial hurdles in the event of illness or accident. Pet health insurance works almost the same way as health insurance for people: it not only reimburses veterinary costs, but also offers a range of benefits and financing services. If you are still unsure, here are the five best reasons to take out health insurance for your four-legged friend:
1. Manage your budget worry-free
Managing your budget is a daily task. Having a pet in the house brings additional costs. In the event of an accident or illness – some of them chronic and requiring lifelong treatment – pet health insurance helps cover unforeseen costs and reimburses your veterinary bills.
At Santévet, the amount of the premium is calculated based on the age, breed and type of your pet. Dogs and cats can be insured from the age of 2 months without a prior medical examination.
Important: Insure your pet as early as possible!
In contrast to our human health insurance companies, the insurance does not cover pre-contractual cases , i.e. costs for accidents or illnesses that occur before the contract begins or during the waiting time(also known as the waiting period) of the insurance contract.
Request a price quote from one of our customer advisors online or by phone at 069 95179902: This is free and non-binding
2. Give your pet the best medical care
Veterinary medicine is powerful and is in no way inferior to human medicine. However, the technological advances of recent years can quickly lead to high costs .
Veterinarian visits, blood tests, examinations, treatments, surgical procedures, hospital stays – all of these can entail unforeseen expenses. Putting a little money aside is often not enough. If you want to give your pet the best possible treatment , insurance is the best solution.
With Santévet, your pet is insured against both illness and accidents, both in Germany and abroad (up to 90 days). You have the right to freely choose your veterinarian . Another plus point: Santévet also covers the costs of alternative and manual medicine (phytotherapy, aromatherapy, hydrotherapy, homeopathy, acupuncture, osteopathy, etc.).
All Santévet tariffs are “all-in-one”Packages and therefore reimburse your veterinary costs in the event of both illness and accident. Depending on the tariff chosen, the cost coverage can represent up to 90% of the veterinary costs paid (in connection with an illness or accident) in order to reimburse costs for consultations, medication, operations, laboratory analyses, imaging procedures, inpatient stays, and much more.
3. Good coverage: Benefit from a flat-rate provision
No one can predict whether their pet will ever have an accident or become ill. In order to “optimize” pet health insurance, Santévet offers a flat-rate preventive care package in all tariffs.
This flat rate is €50 and can be used at a veterinarian of your choice. It is renewed every year.
The preventive care allowance helps cover the costs of vaccinations, antiparasitic agents (against ticks, fleas and worms), sterilization, microchipping, preventive examinations and more.
The Cat Indoor tariff for indoor cats also offers an additional annual flat rate that can be used for therapeutic food.
4. Take advantage of free services for insured persons
Santévet offers you many very useful services, included in all tariffs.
First of all, you have a customer portal with an overview of your contracts, your account, your reimbursements, etc. This is accessible via our website or our app .
5. Trust real specialists with 20 years of expertise
When you turn to a specialist, you are always in good hands. Santévet has been a specialist in pet health insurance for 20 years and is the market leader in France and Belgium. We are number 1 for a reason: 95% of our French customers say they are satisfied with our services* and 94% of veterinarians** trust us. So why shouldn’t you? Our customer service is always available to answer any questions you may have.
Which insurance companies cover veterinary costs?
Firstly, there are different types of insurance for different types of pets, such as dogs or cats. As a rule, a distinction is made between two types of insurance: health insurance and liability insurance.
surgical insurance for animals
Health insurance is often divided into full health insurance, such as the All-In-One plan from Santévet, or a single surgical insurance or accident insurance. Pet surgery insurance covers the costs of surgical procedures, anesthesia, necessary diagnostics, medications and post-operative care. They also cover the costs of emergency surgery and inpatient stays. These insurances help to avoid high unexpected expenses and ensure the best possible medical care for your pet.
What health insurance is available for animals?
In our experience, however, surgical insurance is often not sufficient. Full health insurance makes more sense for pet owners. This also covers preventive examinations or vaccinations. You can find more information about the advantages of an all-in-one tariff on our website.
Why take out pet health insurance?
Your pet is part of the family. You give it everything it needs: comfort, a balanced diet – and of course health is also one of these needs.
A broken paw, an insect bite, gastroenteritis, diabetes – even young animals can get sick or injured. Your veterinary bills can quickly become higher than expected. That’s why it’s so important to protect your pet’s health from a young age.
Thanks to Santévet pet health insurance, you have access to optimal veterinary care while still being able to save money. You don’t have to worry about unforeseen events, as the veterinary costs reimbursed in case of illness and accident.
How much does health insurance for dogs cost?
Good pet health insurance is essential to protect your dog from the financial consequences of unforeseen illnesses and accidents. The cost of such insurance depends on various factors, including the breed of the dog, the age of the animal, the desired coverage amount and the agreed payment terms. With Santévet’s dog health insurance, you are prepared for all eventualities: the all-in-one tariff covers operations as well as conservative medical treatments. The price depends on the age and breed of your animal and starts at a monthly premium of €30.02
Costs of pet insurance for cats
Santévet offers two products tailored to your needs: Cat Indoor and All-In-One , to adapt to the needs of your pet. Here too, the rate is determined by age and breed and usually starts at a monthly fee of €26.35. Here, too, the breed and age of your furry friend are of course taken into account.
Which insurance do veterinarians recommend?
In order to be able to pay for treatment at the vet without worry and of course to guarantee the best service and treatment, veterinarians also strongly recommend taking out pet health insurance. Since needs are individual, there are various insurance policies for dogs and cats with different packages and insurance rates that are worth looking at.
So that you as a pet owner do not have to pay out of your own pocket, it is always advisable to take out pet insurance.