Every year, more and more dog and cat owners take out health insurance to protect the health of their little friends.
If these commons for animals make it possible to significantly reduce the costs associated with veterinary care, more and more owners want to benefit from reimbursement in the event of death. Is it possible to include this coverage in a classical insurance contract or to make a special contract? What support can be expected? Let’s take a look at this case.
Pet insurance: what options are available?
Insurance for dogs or cats is a formula similar to our complementary mutual insurance for humans. Each insurance company can freely apply the conditions and rates it wishes, but there are three main categories of formulas.
- basic formulas are the most economical. With an average contribution of between 5 and 15 Euros per month, they cover very little costs as they only reimburse up to 50 to 70% of sickness and/or accident-related care costs.
- intermediate formulas, comfort, more interesting. At an average monthly cost of between 12 and 30 Euros, they cover the costs of examination and analysis as well as the pharmacy in most cases. In this case, the repayment rate varies between 70% and 90%.
- Premium formulas, at the top of the range, are the most complete. They cover almost all veterinary costs for an average monthly contribution that can range from 30 Euros to 80 Euros, with a repayment rate of around 90 to 100%.
The principle of operation of animal commons is simple. When the master consults the veterinarian for his pet, he gives the practitioner a care sheet. After the consultation, he must pay the amount provided and then send the duly filled treatment certificate to his insurer as soon as possible and a detailed invoice of the treatment provided. In a more or less long period (from 24 hours to several weeks, depending on the contract), the captain receives a transfer to the bank account corresponding to the refund due to him.
It should be noted that the amount of reimbursement depends on the formula received, in particular the reimbursement rate applied, as well as the treatment covered. In fact, the reimbursement rate applies only to the contracted care, not the total bill for the care provided.
In addition, the amount of repayment can be changed if the contract provides for a deduction. This refund hold can be applied as a percentage or a fixed amount and to the first or every year’s repayment request. Additionally, each contract is accompanied by an annual repayment ceiling, which is the amount the insurer agrees to reimburse its customer each year. Once this ceiling is reached, the captain is no longer eligible for veterinary reimbursement before the next year, even if he has 100% full health insurance.
Insurance for dogs or cats: What death costs does it cover?
When a dog or cat owner wants to cover the costs associated with the death of their little friend, they have several possibilities. Most pet insurance companies provide optional coverage in connection with the death of the animal, but some offer specific contracts to insure the death only.
Whichever solution is chosen, the principle is largely the same because, depending on the level of protection received, the insurer will reimburse all or part of the captain’s expenses incurred in connection with the death of his junior friend (cremation, burial, urn). , funeral, etc.) euthanasia costs may be included in the flat rate as long as this intervention is justified by medical necessity.
However, obtaining death insurance for your pet is subject to certain conditions.
Pet age limit
An option to cover the death of a cat or dog can never be undone. A maximum age limit is imposed depending on the insurance companies and may be higher or lower. The captain usually receives compensation in the event of an early death, ie after an illness or accident. While the maximum age for the cat is usually set at 10 years, it ranges from 7 to 10 years depending on the breed of dog.
Life insurance for animals, like any insurance contract, comes with a few exclusion clauses. Typically, the most common exceptions are:
- when death occurs when the animal has not been vaccinated;
- the dog or cat is euthanized without medical or legal reason;
- the period between the conclusion of the contract and its entry into force when the animal dies during the waiting period and the dog or cat is not yet insured;
- when an animal dies as a result of an organized fight, illegal and dangerous practice;
- when the dog or cat is the victim of abuse.
A procedure to follow
In order to benefit from the compensation stipulated by the death insurance contract, the animal owner must have a declaration regarding the death of his minor companion, drawn up by the veterinarian. He will then need to send the death certificate and the form prepared by the practitioner to the insurer. Not later than 30 days after the receipt of the supporting documents, the captain receives the capital specified in his contract in the form of a bank transfer.
Also, the owner of the deceased dog or cat has to report the domestic carnivore’s national identification file (I-CAD) through the website provided for this purpose. In addition, the dog or cat can contact I-CAD by filling out the removable part of the ID card given during registration.
Death insurance for dogs or cats: how much does it cost? How to choose?
Death insurance provides for payment of death benefits upon the death of the insured animal. The amount of capital is variable and directly depends on the chosen formula. If prices vary by insurer, it is necessary to count on average:
- 160 Euro death capital for a monthly contribution of 2 Euros;
- 310 euro death capital for a monthly contribution of 5 euros;
- Death capital of 610 euros for a monthly contribution of 8 euros;
- 750 Euro death capital for a monthly contribution of 10 Euro;
- 1,500 euros death capital for a monthly contribution of 15 to 20 euros.
How do you choose your dog or cat death insurance?
You can turn to general animal insurance companies, specialist agencies or even banks that offer such contracts. Nevertheless, the online comparator remains the most effective tool to save valuable time and choose from the best offers on the market.
In fact, the online comparator is free, with no obligation and very easy to use for everyone. It’s ultra-powerful, allowing you to get offers tailored to your needs and budget based on the analysis of data collected through a short survey that the tool asks you to fill out. Then you just have to request detailed offers for the offers that caught your attention and then make your choice after carefully comparing the equal guaranteed offers. So you can be sure that you will make the best choice as you benefit from the best quality/price ratio offers on the market. Moreover, you have an interesting bargaining power that allows you to get undeniable price advantages or additional guarantees by relying on other offers!
If you don’t know how to assess the amount of death capital you need, here is an indicator of the average rates to count for the death of a dog or cat.
- Mass cremation is a cheaper act, as it is billed between 50 and 110 euros, but does not make it possible to save the ashes of his little friend due to the cremation of several animals at once.
- Individual cremation costs between 75 Euros and 200 Euros on average, depending on the size of the animal. Other costs can be added, such as the cost of transporting the animal to the crematorium between 100 Euros and 150 Euros and the cost of the samovar between 25 Euros and 180 Euros depending on the material.
- Burying in a pet cemetery costs between 130 euros and 3,500 euros. This huge price difference depends on the size of the burial animal, where it is buried, as well as multiple additional options.