Subscribing to pet insurance will save you money. It will reduce the costs of caring for your pet if he or she falls ill. The mutuals that are dedicated to them offer different types of insurance formulas and it is necessary to choose the one that best corresponds to the needs of your animal. Here are the formulas that are frequently found at insurers, with the fees they pay.
The preventive formula
This type of insurance reimburses the costs of an accident, whether serious or not. Also covered are the costs of surgical procedures related to illness or accidents, as well as the costs for pre- and post-operative examinations and hospital stay. The reimbursement is 80% of the total amount of the advanced sum. The same applies to fees paid to veterinarians specializing in surgery, analysis and anesthetists. Diagnostic costs such as laboratory tests, radiology or ultrasound are also reimbursed with the same proportion. The amounts of reimbursements for immunization and residential schools vary from one mutual to another
The integral formula
This type of insurance covers not only accidents but also costs related to the treatment of diseases. The costs are 80% covered. The services covered are the same, ie pre and post-operative examinations, costs for operations and stay in a veterinary clinic. Part of the expenses related to vaccination and sterilization of the animal are also reimbursed. The same applies to the cost of medicines, expenses related to visits, various consultations and ambulance transport.
The equilibrium formula
This formula offers accident coverage and covers part of the costs related to the surgery performed on your animals. It covers virtually all health care expenses such as veterinary fees, medications, vaccinations, and testing.
The comfort formula
The same care and treatment as that covered by the integral formula is reimbursed here. But this time, the reimbursement is total. You will no longer have to worry if your pet is hospitalized or has to be operated on. You will also be informed that all costs related to the purchase of medicines and medical visits will be fully reimbursed.
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