In France, owners of dogs and cats are still hesitant when it comes to insuring their animal. However, pet insurance has the advantage of better preserving the health of their little companion while allowing them to reduce their veterinary costs.
If the majority of contracts provide for a minimum commitment period of one year, some insurers now offer formulas without a commitment period, facilitating termination at any time and much more easily. Let’s take a look at these pet insurance policies.
What is dog/cat insurance without a commitment period?
The master of an animal takes out insurance for his dog or cat to protect his health, but also to reduce his veterinary costs. This type of insurance is similar to mutual insurance for humans. Each insurance company can offer the guarantees and rates of its choice, but we can nevertheless identify three types of categories:
- the basic formulaseconomic, which only cover the costs related to the illness and/or accident, up to 50% to 70% only;
- intermediate formulascomfort, which cover these services as well as additional examinations, up to 70% to 90%;
- premium formulashigh-end, are complete formulas that cover almost all veterinary care, and this, up to 90% to 100%.
The master of the dog or cat chooses the formula that suits him, knowing of course that the higher the level of protection, the higher the price.
The duration of commitment is a crucial point in an insurance. This is the period during which the master of the animal, subscriber, is obliged to keep his contract. In most cases, as provided for by the Insurance Code, the commitment period for this type of contract is one year. However, some companies do not respect this rule and impose commitment periods of more than one year.
The majority of contracts are renewable by tacit agreement. Thus, when the contract reaches the expiry date, it is automatically renewed for another year, unless the owner of the animal decides to terminate his contract. In other words, if the subscriber no longer wishes to be covered, he must take the process of terminating his contract.
Conversely, a non-binding insurance contract can be terminated at any time. For certain types of contracts, the procedure to follow is very simple. For others, the contract may be accompanied by a non-binding trial period. Once the period is over, coverage ceases, but the dog’s or cat’s owner can ask to continue the coverage if they wish.
It is not compulsory to take out this type of insurance for your animal. However, for some dogs classified in category 1 and category 2, remember that taking out civil liability insurance is compulsory.
Dog / cat insurance without commitment period: what guarantees?
Depending on the formula chosen, the guarantees included by the insurance without a commitment period will be more or less numerous, just like for a classic insurance. Here again, we find the three main levels of cover, namely the basic formula, the comfort formula and the complete formula to which it is possible to add certain options.
Thus, depending on the level of protection, non-binding dog/cat insurance can cover up to 50% to 100% of the costs related to:
- veterinary consultations;
- care for illness and/or accident;
- drug treatments;
- additional examinations (imaging, analyses, etc.);
- surgical procedures;
- acts of prevention (sterilization, castration, vaccination, antiparasitics, deworming, therapeutic feeding, etc.);
- at the funeral.
Dog / cat insurance without commitment period: how to subscribe? At what price ?
To take out dog/cat insurance without a commitment period, all you have to do is request the services of a company that offers this type of formula. Overall, the subscriber must meet certain preconditions for his application to be accepted, but these are more or less the conditions required under standard insurance contracts.
Indeed, the first condition concerns the age of the dog or cat to be insured, which must be between a minimum of 3 months in most cases, and a maximum of 5, 6 or 8 years depending on the companies and the formulas. . In addition, the animal must be in good health, a point which is generally verified by the obligation to provide a veterinary certificate.
In addition, the dog or cat to be insured must be identified by a tattoo or an electronic chip. He must also be up to date with his compulsory vaccinations and present no hereditary, congenital, chronic or recurrent disease.
It should be noted that some companies refuse to take charge of animals living in packs, breeding or in groups of more than five individuals or even animals used for hunting or for commercial purposes.
What price for dog / cat insurance without a commitment period?
In the majority of cases, the price of dog/cat insurance without a commitment period is similar to that of conventional insurance. On average, it takes 5 euros to 15 euros per month for an entry-level formula, 15 euros to 30 euros per month for an intermediate formula and 30 euros to 80 euros per month or more for a complete formula.
Dog / cat insurance without commitment period: how to go about terminating it?
The advantage of taking out dog/cat insurance without a commitment period lies in the fact that its termination is much simpler and faster. Indeed, the subscriber owner can terminate the contract at any time without having to justify himself. All you have to do is send a registered letter with acknowledgment of receipt to your insurer in most cases, or follow the cancellation procedure mentioned in the clauses of the contract if it is different.
For other types of classic formulas, you should know that the subscriber is protected by law. The Lagarde (2010), Hamon (2014) and Bourquin (2017) laws complement each other to allow the owner of the dog or cat to terminate their contract at any time during the first year, then to do so free of charge two months before the expiry date of the contract in subsequent years. In addition, be aware that the insurer is required to send a letter to his client every year to remind him of his right to terminate his contract. However, some unscrupulous insurers do not respect this obligation or act at the last moment so as not to give the master time to react. If this failure can be proven by the subscriber, he can then terminate his contract whenever he wishes, always free of charge.
Do not hesitate to use the services of an online comparator to find the non-binding dog / cat insurance formula that suits you. All you have to do is fill out a short questionnaire and this free tool will send you a list of personalized quotes that meet your needs. All you have to do is compare them to select the offer that offers the best value for money and negotiate other advantages by playing the competition!