Why is it important to insure your pet?

You have just adopted a pet and you probably have many questions. You may be wondering whether it is worth taking out health insurance for your dog or cat.

Veterinary costs can be significant throughout your new pet's life, so health insurance can be important in the long run. 

Is it really worth insuring my dog or cat? 

On average, pet owners take their pets to the vet 2 to 3 times a year, and as pets' lives are full of unforeseen events. It can therefore happen that the cost of caring for your pet's well-being becomes more expensive than expected. 

79% of dog owners and 71% of cat owners always go to the vet when their pet displays abnormal behaviour. Insurance allows you to be reimbursed for part or all of the expenses, depending on the plan you choose. This can therefore be a very advantageous solution for reducing the budget for your pet's health.

How does pet health insurance work? 

Generally, health insurance for dogs and cats offers several formulas that provide reimbursement ranging from 50% to 100% of costs. You can generally do free insurance simulations. This allows you to plan your budget with peace of mind in case of unforeseen events. 

The formulas have annual ceilings, which means that if you exceed this threshold, you have to wait until the following year to benefit from reimbursements again. According to a study carried out by Le Point Vétérinaire, the average cost of health care for cat and dog owners is €1224 per year. We therefore advise you to choose a health insurance policy that offers a ceiling higher than this average. 

Pet health insurance works like a mutual insurance, you just need to ask your vet for an invoice, send it to your insurance and you will be reimbursed quickly.

5 reasons to take out health insurance for your dog or cat 

1. to have peace of mind, whatever the situation of your pet 

With health insurance, you will be sure to be able to take care of your pet whatever the situation and even if it is a difficult month. You have the advantage of being able to manage your budget in advance and therefore no longer have to worry about unforeseen health problems with your pet. 

2. provide the best possible care for your four-legged friend

Insuring your pet allows you to guarantee it quality care regardless of its age. A pet is more fragile when it is very young or when it starts to get old. By insuring your pet, you can be sure that you will be able to provide it with the best care throughout its life. 

3. take advantage of advice from animal health experts

Some insurances, such as Kozoo, offer unlimited access to veterinary tele-advice. This is a good way to quickly take care of your four-legged friend's health problems, while avoiding unnecessary visits to the vet. 

4. make more regular follow-up visits to the vet 

With a health insurance policy that covers the cost of visits to the vet, you will be able to have more regular check-ups and follow-ups on your pet's health. You can be sure that your pet is in perfect health and you can take care of any small problems quickly. 

5. use this health budget for other expenses

By reducing your pet's health budget, you can spend it on other things that contribute to your pet's well-being, such as cat furniture, quality food and regular visits to the groomer.

Make an appointment with one of our advisors to find out more about Kozoo pet health insurance.