Dog and cat owners in France still hesitate when it comes to insuring their pets. However, pet insurance has the advantage of better protecting the health of their little friends while allowing them to reduce veterinary costs.
If the majority of contracts provide for a one-year minimum commitment period, some insurers now offer formulas with no commitment periods, facilitating any time and much easier termination. Let’s take a look at these pet insurance policies.
What is dog/cat insurance with no commitment period?
- basic formulasonly up to 50% to 70%, covering only sickness and/or accident-related costs;
- intermediate formulascomfort, including these services and additional examinations, at a rate of 70% to 90%;
- premium formulashigh-end are complete formulas that cover almost all veterinary care and this is from 90% to 100%.
The owner of the dog or cat chooses the appropriate formula, knowing of course that the higher the protection level, the higher the price.
The commitment period is a very important point in an insurance. This is the period during which the subscriber who owns the animal is obliged to fulfill its contract. In most cases, the commitment period for such a contract is one year, as provided for in the Insurance Law. However, some companies do not follow this rule and apply commitment periods of more than one year.
The majority of contracts are renewable by tacit agreement. Thus, when the contract expires, it is automatically renewed for another year, unless the owner of the animal decides to terminate the contract. In other words, if the subscriber no longer wants to be covered by insurance, he has to go through the process of terminating his contract.
Conversely, a non-binding insurance contract can be terminated at any time. For some contract types, the procedure is very simple. For others, the contract may be accompanied by a non-binding probationary period. When the period expires, the coverage expires, but the owner of the dog or cat can request the coverage to continue if he/she wishes.
It is not mandatory to have this type of insurance for your pet. However, keep in mind that some dogs classified in category 1 and category 2 require civil liability insurance.
Dog / cat insurance with no commitment period: what guarantees?
Depending on the formula chosen, the coverages covered by the insurance without commitment period will be more or less, just like in a conventional insurance. Here again we find the three main levels of coverage: the basic formula, the comfort formula and the full formula where it is possible to add certain options.
Therefore, depending on the level of protection, non-binding dog/cat insurance can cover 50% to 100% of the costs related to:
- veterinary consultations;
- sickness and/or accident care;
- drug treatments;
- additional examinations (imaging, analysis, etc.);
- surgical procedures;
- preventive actions (sterilization, castration, vaccination, antiparasitics, removal of worms, therapeutic feeding, etc.);
- at the funeral.
Dog/cat insurance with no commitment period: how to subscribe? At what price?
All you have to do to get dog/cat insurance without the commitment period is to request service from a company that offers this formula. In general, the subscriber’s application must meet certain prerequisites to be accepted, but these are more or less the conditions required in standard insurance contracts.
Indeed, the first condition relates to the age of the dog or cat to be insured and in most cases should be at least 3 months and at most 5, 6 or 8 years depending on companies and formulas. In addition, the animal’s good health is a point often justified by the requirement to issue a veterinary certificate.
In addition, the identity of the dog or cat to be insured must be determined by tattoo or electronic chip. They should also have had their mandatory vaccinations and should not have a hereditary, congenital, chronic or recurrent disease.
It should be noted that some companies refuse to be responsible for animals that live in herds, breeders or groups of more than five individuals, or even are used for hunting or commercial purposes.
What is the price for dog / cat insurance with no commitment period?
In most of the cases, the price of non-coverage dog/cat insurance is similar to that of conventional insurance. On average, it costs between 5 and 15 euros per month for the entry-level formula, 15 euros to 30 euros per month for the intermediate formula, and 30 euros to 80 euros or more per month for a full formula.
Dog / cat insurance without commitment period: how to terminate?
The advantage of taking out dog/cat insurance without a commitment period is that it is much simpler and faster to terminate. As a matter of fact, the subscriber may terminate the contract at any time without giving any reason. In most cases, all you have to do is send a registered letter with acknowledgment of receipt to your insurer or, if different, follow the cancellation procedure outlined in the contract clauses.
For other classic formula types, you should know that the subscriber is protected by law. The laws of Lagarde (2010), Hamon (2014), and Bourquin (2017) complement each other to allow the dog or cat owner to terminate their contract at any time during the first year, then terminate free of charge two months earlier. expiration date of the contract in subsequent years. Also, keep in mind that the insurer must send a letter to the client each year reminding him of his right to terminate his contract. However, some unscrupulous insurers do not comply with this obligation or act at the last moment to not give the captain time to react. If the subscriber proves this failure, he may terminate his contract at any time free of charge.
Do not hesitate to use the services of an online comparator to find the non-binding dog / cat insurance formula that suits you. All you have to do is fill out a short survey and this free tool will send you a list of personalized offers that meet your needs. All you have to do is compare them and play the competition to discuss other benefits to choose the offer that offers the best value for money!