Saturday 25 August 2012

pet insurance: to keep them close to home as long as possible

Humans are not the only ones who see their life expectancy longer. Animals are also living longer and healthier lives. It is estimated that their longevity has doubled in three decades thanks to advances in veterinary medicine. The French love dogs and cats is the same European country has the most pets: 60 million cats, dogs, small rodents, birds and fish share the life of French families. But if one in two households owns a pet, in insurance dedicated to animals, our country has a considerable delay, as only 4% of dogs and cats would be covered by health insurance. It is far from the level of excellence of the Swedes with 80% of cats and dogs are insured, and always behind by the British with 30%.
The pet insurance sector is relatively recent, which has still not taken off in this country. Leader in this field, SantéVet was born in 2003, the companies have not yet really developed satisfactory formulas for the greatest number at competitive prices, competition in the field is probably little perennial. Insuring your dog or cat is not required, except for dogs Category 1 and 2 classified as dangerous dogs. It is even one additional position to provide in the family budget, and despite all the love that we can bring to your pet, provide an assessment of insurance may seem unnecessary and impossible for some households to time when all contributions are increasing.
Deciding to buy or adopt a dog or cat involves duties that go beyond the bowl of kibble or a simple caress. For a loving and conscientious teacher, pay for health coverage is a natural extension of the duty of care he has for his pet. The status of the animal has evolved in modern society, and most teachers accountable, the cat or dog is part of the family, a household member that wishes to remain close to home as long. But if veterinary medicine has made considerable progress, it is also very costly. Insurance for your pet avoids having to do without this or that review because it is too expensive.
At the equal of a mutual health for humans, animal health insurance is based on several guarantees, tariffs evolve depending on the options. In SantéVet, the formulas have a refund of 50%, 70% or 100% of veterinary fees incurred (medication and surgery). Often the age of the animal is taken into account, some companies refused to insure the animals are too old (beyond 5 or 8 years). In SantéVet, age is a factor depending on the coverage chosen, the breed is also used as a criterion for calculating the amount of the contribution. It is best to ensure your pet after her 2 months before his 5 years. Light the formula for a dog reimburse veterinary costs up to 50% for a monthly fee of 13,90 € (with a maximum annual rebate of € 1 100). Then there are formulas for Premium Comfort and coverage of 70% and 100%. it is possible to add options such as guaranteed research support (0.99 € per month) or death benefits (compensation of 510 € due to accident or illness by age).

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