You may have heard of he alth insurance and you may even have one. But, did you know that there is also this type of insurance for dogs? In this way, paying the amount you decide per year or per month, you will have different expenses covered, including the costly unforeseen events that can arise and raise the vet bill a lot.
If you still don't know veterinary insurance for dogs or you are already thinking of hiring one, then on our site, we explain what veterinary insurance for dogs consists of and what are their coverages and pricesIt is not compulsory insurance, but it can be interesting to hire it.
What is veterinary insurance for dogs?
Veterinary insurance is a service offered by some insurance companies and consists of covering different expenses derived from veterinary care for petsin exchange for paying a certain amount annually or monthly. This amount will vary depending on the coverage we want for our dog. Some insurances allow us to choose the veterinary clinic we prefer to go to, while others only work with certain associated centers.
In addition, there are insurances, such as Pet and He alth, which may be of particular interest to you because they also offer telephone veterinary assistance 24 hours a day and 365 days a year with the veterinarian of your choice. This will be able to evaluate the symptoms that your dog presents, answer your questions and even send you a prescription through the internet, if it needs any treatment. Likewise, it offers a totally free service of veterinary video consultations for policyholders, so you can make your consultation from your own home. But, if you prefer, you can also go to a veterinary center, thanks to its collaboration agreement with more than 400 veterinary clinics and hospitals throughout Spain.
If you have any questions at the time of contracting, they have an advisor who will help you solve it. You will find all this at one of the most competitive prices on the market and, if you live in Madrid, they give you the option of also contracting veterinary assistance at home, a good solution, especially if you do not have a vehicle to get around or it is not easy. transport your dog to a clinic. If necessary, they will take your animal to the nearest center. In summary, taking out veterinary insurance for your dog allows you to control his expenses, especially if an unforeseen event arises that could be especially expensive.
What does veterinary insurance cover for dogs?
Not all veterinary insurance is the same. Therefore, it is a good idea that we compare several to find the one that best suits our needs and those of our dog. In general, this type of insurance usually covers interventions, procedures, hospitalizations and veterinary treatments up to a limit Some also include payment for consultations or a discount on the amount and treatments that are considered more specific, such as acupuncture or physiotherapy, in addition to euthanasia and the expenses derived from it. Others have a deworming and vaccination plan.
Remember that, depending on the insurer you choose, it may be mandatory for you to go to their arranged clinics. If you went to another, you would have to bear all the expenses. Given the important variations that can exist between insurances, it is advisable to take a good look at the benefits offered by the one we choose to avoid surprises.
Price of veterinary insurance for dogs
Logically, not all veterinary insurance for dogs will have the same benefits and its price will depend on it. We can find from the most basic insurance, for even less than 20 euros per year, to more complete ones that are around 100 euros per year and even reach 300. They can also be paid month by month. In any case, you should know that the price will also depend on the characteristics of our dog, since age, breed or if it has any illness at the time of hiring. In fact, in many insurers it is likely that a very old or very sick dog can no longer benefit from taking out insurance, something that does not happen with the aforementioned veterinary insurance for dogs from Pet and He alth In this company, there are no age, breed or previous pathology restrictions, all dogs are welcome. In addition, if you are looking for a veterinary insurance without a grace period, you should know that the Pet and He alth insurance does not have a grace period either, so it comes into force on the same day of contracting. Without a doubt, two factors to take into account.
To give you an idea of the final price in the specific case of your dog, most insurance companies have a simulator on their website, so that you can enter your animal's data and get an approximate price.
Keys to choose the best veterinary insurance for dogs
A good idea to choose the best insurance is to write down the coverage that seems essential. With our clear basics we can start looking, since it is useless for us to contract the cheapest insurance directly if at the moment of truth it is not going to give us the coverage we need. Then, it's about visiting several trusted insurers, asking for a personalized quote for our case and comparing
Below, we review some fundamental aspects to take into account when opting for one or another insurance:
- The grace period, which is the time that elapses between when the insurance is registered and it begins to take effect, that is, when can we begin to benefit from the contracted services.
- The maximum limit of coverage, that is, what is the maximum amount that will be paid each year and if this coverage it is for the entire life of the animal or only for certain periods.
- The exact concepts that the insurance pays and those that don't.
- The clinics you can go to and whether you can choose a vet or not.
- The age that they request the dog to have and whether or not they admit that it already suffers from any pre-existing disease or condition.
With these basic keys, you can start comparing and choosing the most suitable veterinary insurance for you and your dog. At Macota y Salud they meet all the aforementioned requirements since, as we have mentioned, it is a veterinary insurance without deficiency, it offers a wide range of clinics to go to, as well as free video consultations, it does not have age restrictions and its price is much cheaper.
