Insurance for your dog is not mandatory, but you do have the obligation to take good care of your animal. This also includes medically necessary care. For a few euros per month, your dog is covered for standard medical costs and you will not be faced with major financial surprises. For a (basic) package you pay between €10 and €40 per month. There is no fixed amount for dog insurance . Every insurer charges a different premium and offers different coverage. Which factors determine the height of the costs?
Factors that influence the cost of dog insurance
There are a number of factors that influence the final amount of the monthly premium that you pay for dog insurance. The premium is the amount that you pay monthly for dog insurance. Thanks to this monthly premium, your dog is always insured for medical costs. The exact costs depend on the insurer where you take out the insurance and the package that you choose there. The basic packages have a lower monthly premium for which you are insured against most basic costs. By choosing a more extensive package or also insuring additional packages, the amount for the monthly premium will also increase.
The age of your dog has a great influence on the final price of the premium. When taking out insurance, the age of your dog at the time you take out the insurance is taken into account. In general, the monthly premium will be much lower if your dog is still young at this time. This is mainly because it is assumed that the older the dog is, the greater the chance of illness, injuries and conditions in the dog. Do you want to pay as little premium as possible? Then insure your dog immediately as a puppy .
The breed of your dog also affects the premium of dog insurance . Some insurers make a distinction between pedigree dogs and crossbreeds, while others do not. There may even be differences in the premiums to be paid between specific dog breeds. Some pedigree dogs require more or often more expensive medical care than others due to breed-specific characteristics or problems. This is taken into account in the cost of dog insurance. Because there may be differences in this, it is worthwhile to first carefully compare the available dog insurance policies specifically for your dog.
In some cases, the gender of your dog can also make a difference in the cost of dog insurance. It is possible that an insurer charges different premiums for a male and a female dog. This difference is mainly determined by the possible problems that can occur per gender and the specific treatments that are needed for this.
The heavier your dog, the higher the premium will be. The weight of your dog affects the monthly premium that you will have to pay for the insurance. Overweight dogs cause many health problems that can cause high veterinary costs . For small dogs, veterinary costs are generally much lower than for large dogs. For example, think of special diet food for your dog, medication or the resources to be used during an operation. For large dogs, the costs of medical treatments are higher than for small dogs.
Deductible when taking out dog insurance
Not every insurer requires a deductible. If this is part of the insurance, this deductible is the part that you ultimately have to pay yourself for the medical costs that your dog incurs. Some providers use a fixed percentage of the deductible, while others allow you to determine the deductible yourself based on a fixed amount. The amount of the deductible certainly has an effect on the premium costs for your dog. The higher the deductible that you want to bear yourself for the healthcare costs of your dog, the lower the monthly premium will be.
The amount of the deductible that an insurer uses also affects the final premium price of the insurance that you want to take out. If a deductible is requested, this amount will be deducted from the declarations that you submit to the insurer. With a high deductible, the monthly premium will therefore generally also be lower. Sometimes both a deductible and a deductible are used. If this is the case, the deductible is always charged first and only then the deductible is calculated.
Many options to compare dog insurance
Now there are many options and many insurers to choose from. It is important to compare different insurances to see which insurance suits you best. If you do not want to be faced with unexpected expenses and want to choose your own vet, they are the ideal insurer for you. Then you do not have to worry about unexpected events. You choose which vet you go to in the Germany. You send the bill to the insurer. They reimburse up to 3500 euros per year. With only one deductible of 50 euros if you submit the declarations once per calendar year.
Ohra’s dog insurance
Do you accidentally damage someone else’s property? With Ohra’s dog insurance, you insure the costs of certain damages that you cause to others. This prevents financial worries in the event of liability for yourself, your partner and/or your child. Suppose your dog accidentally destroys someone else’s property. Then there is a chance that you will have to pay for the damage. It becomes even more annoying if you are liable for someone else’s personal injury.
