What insurance do I need for my pet?

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As a pet owner, you know that caring for your four-legged friend costs time and money. However, the financial burden is not limited to buying food or toys. In addition, you should also deal with the topic of pet insurance.

In this article, we will explain which types of insurance you need for your pet.

Key facts at a glance

  • Pet insurance protects you from heavy financial burdens.
  • There is surgical cost insurance, health insurance, and liability insurance.
  • Dogs, cats, and rabbits can be insured.

Insurance for dogs

Multiple insurance policies make sense for dogs. On the one hand, you should take out dog owner liability insurance. This is even required by law in many federal states.

On the other hand, we recommend health insurance for your dog. Because if your four-legged friend gets sick, it quickly becomes expensive. This is especially true for operations. In this case, the invoice amount often has four digits.

With dog health insurance, you ensure that these costs are not a problem and that your four-legged friend can always receive the necessary treatment.

Insurance for cats

In contrast to dogs, no separate liability insurance is necessary for cats, since their own private liability usually covers any damage caused.

In any case, it is advisable to take out health insurance. Because even if the veterinary costs for cats are usually a little lower, amounts of several hundred euros are not uncommon here either. In this case, appropriate insurance will cover most of the costs for you.

Health insurance for rabbits?

What is true for dogs and cats is also true for rabbits. Rabbits, which for many children are the first pet of their lives, can of course also get sick.

And although the costs for treatment and surgery are lower than for larger animals, taking out rabbit health insurance can prove to be a good idea. For rabbits, you also have the choice between surgical insurance and comprehensive health insurance.

Surgery insurance or comprehensive health insurance?

Surgery insurance is primarily used to protect against the high costs that arise during operations. The premiums for such insurance are particularly cheap. However, you will have to pay for normal veterinary costs, such as medication, yourself.

Comprehensive health insurance, on the other hand, is real health insurance for your pet. This covers not only the costs for operations, but also for medication, examinations, or treatments.

Whether you should opt for surgical insurance or full health insurance depends primarily on your financial circumstances. Full health insurance for pets is a bit more expensive. However, the treatment of a serious illness can also cost a lot of money, so such insurance can save you from financial problems.

The benefits of our pet insurance at a glance

So that you can decide which insurance you need, we recommend that you compare the services of our different tariffs with each other. For this purpose, we have compiled all important information in the following table.

Sensible insurance for pets – our conclusion

As a pet owner, it is your responsibility to ensure the well-being of your four-legged friend. This not only includes a full bowl or walking your dog every day, but also the topic of health care.

Regular vet visits are a must, at least for dogs and cats. At the latest when illnesses or injuries come into play, you have to reckon with high costs.

For this reason, we strongly recommend that you take out animal health insurance. Because with this you ensure that necessary treatments or operations do not fail because of money.

By Master James

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