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Insurance for the cat? Operation for 7000 francs

chemotherapy, radiotherapy, Physio, acupuncture, homeopathy, hip surgery today in the animal medical supply everyday. Animal holder, organize today for your four-legged friend is often a high-quality medical care when they are sick or involved in accidents. But the has its price. A complicated hip replacement on both sides of the can costs in the case of a dog 6000 francs. After a serious car accident in the invoice amounts for cats patient often of 1500 to 2000 francs.

With the demand for sophisticated veterinary treatments of insurance is on the rise . Christian Jetzer, head of sales at the animal versichererin Epona, confirmed a strong growth – albeit still at a low level. Of the 1.5 million cats and 600'000 dogs in Switzerland, approximately 3 percent are insured against illness and accident. In other countries such as the UK or Sweden – in which, however, the veterinary care is differently organized – but the proportion of 60 to 70 percent. Jetzer experienced sometimes that pet owners falsely assume that their liability insurance, the veterinarian is included. However, the liability covers only damages caused by the pet.

What to consider

pet owners should be first Clear about what you want to insure exactly, and then the provisions of the contract of insurance products consider. Because there are big differences. So it may be that pet owners must pay for each event, a deductible, while others have a deductible per year is due. Often there is an age limit, so dogs can sometimes be included only up to the age of four years in insurance and cats to six. If you miss this date, will receive, for example, in the case of the furniture not covered by insurance. When the Epona is, however, also in older age is still possible – but only with a veterinary certificate.

it is also Important services are excluded: For example, the treatment of genetic diseases of each of the insurers is not taken – so there may be a breed of dog with frequent hip problems about unpleasant Surprises. And finally, the premiums with the age of the animals to rise for some providers, such as Benjamin Manz of Online comparison service money to the Money of the offers on its Internet platform, in addition to a quote comparison on a computer, with the expenditure for health care and insurance, a pet simulation.

pet insurance is not Finance unlimited medical benefits. The holder decides so, to what extent he wishes to cover. The Amount has an influence on the premium: In case of a rather deep covering of a year, 1000 francs animal friends pay significantly less for the insurance policy than a coverage up to 50'000 Swiss francs.

"insurance for Pets is not worth it in any case," says Benjamin Manz. No, except to fall extraordinary costs, you could save the money for the insurance premiums. If a policy of insurance for any disease or any accident be charged separately in an absolute deductible of, for example, 200 francs, on the basis of the Manz is often a disadvantage. Customer-friendly, according to his estimation, insurance companies that require the absolute deductible only once per year.

the provider, the claim the deductible is per event rather than per year, relieve the animal holder but at least the cost of participation: The inclusion of, for example, ten percent of the medical treatment. These products help pet owners especially, against extraordinary events financially secure.

protection for the Worst-Case scenario

"Who wants to make provisions for the worst possible case, is to consult with an insurance company is fundamentally good," says Manz. With the worst possible case, a multi-day stay in a veterinary clinic is meant to be, where modern technologies such as Computer or magnetic resonance tomography are used. According to Franck Forterre, head of the small animal clinic of the University of Bern, the cost of greater intervention in the 3000 Swiss francs. As examples, he cites complicated fractures after accidents or severe neurological Suffering. "In rare cases, the amount can rise up to 10'000 Swiss francs." In the longer term, in the money is also a kidney disease, the power of a regular treatment can go for example.

The insurers keep track of products for Pets of different strategies. The furniture of the sick - and accident insurance for Pets as a part of a Household effects and private liability insurance or separately. "It is a niche product," said product Manager Stephan Günther. He sees this as an incentive for customers with Pets, your household insurance in the furniture finish. However, in the case of Epona, the pet insurance is the core business.

Jetzer is finally important to note that it is not done with the insurance company alone: "a cute little dog is old, fat and frail – anyone who buys a pet, it must take up at its end-of-life responsibility." This is also a matter of money. Rommy Los from the Zurich animal protection warns, Pets to purchase, if funds are scarce: "medical care additional costs for food, dog school, tickets in public transport and other more." Anyone who has bothered to pay for the medical care or, at least, adequate insurance, with the cost of even more problems.

(editing Tamedia)

Created: 10.02.2019, 18:36 PM

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