Many owners are looking for dog health insurance that takes effect immediately. As a rule, however, insurance companies provide for a waiting period. This means that full insurance cover only exists after a certain period of time, which begins when the insurance application is received.
Why there is no instant protection
An accident happened quickly. Likewise, a dog can become seriously ill at any time. The costs that the owner expects from the veterinarian can quickly be in the four-digit range. So it is quite understandable that a way is then sought to avoid this. Dog health insurance that takes effect immediately would be a good thing. But animal insurers want to protect themselves for this very case, which is why there is generally a waiting period when taking out dog health insurance.
With these costs, dog insurance takes effect immediately
If you want to insure your dog with , the waiting period is 30 days from the start of the contract. This means that you are not entitled to benefits from our dog health insurance during this time – unless an accident happens. In the event of an accident, there is only a waiting period of 2 days. Good or? The 30-day waiting period applies to current costs that have arisen as a result of an illness – including possible follow-up costs. However, regardless of your 30-day waiting period, we will cover the cost of inserting a chip.
The waiting time offers benefits to everyone
At first glance, it may appear that the waiting time is only an advantage for us as an insurance company. But the truth is that our customers also benefit from this. Because if it were possible to take out dog insurance at short notice if the four-legged friend suddenly fell ill or had an accident, that would mean additional costs for us without any prior income.
As a result, sooner or later we would have to increase the contributions for all customers. So instead of offering you dog health insurance that takes effect immediately, we prefer to be able to give you reliable insurance protection at the lowest possible premiums in the future.
Take out dog health insurance in good time
If you are like most dog owners, your four-legged friend is an integral part of your family. Accordingly, you should take good care of him. And that includes being able to ensure adequate treatment in the event of illness or an accident.
For this reason, we recommend that you take out dog health insurance at an early stage. Don’t wait for something to happen, but make sure you have comprehensive insurance cover in good time.
With you can choose between the following two tariffs:
- OP cost protection (our OP insurance with a cost protection/annual benefit limit of 2,000 euros)
- animal health insurance (our premium rate for comprehensive dog health insurance)
Conclusion
A dog health insurance that takes effect immediately would possibly bring benefits to some customers. For the majority of policyholders, however, the waiver of a waiting period would have a disadvantageous effect.
At , we will therefore continue to focus on being able to offer you the right combination of favorable conditions and first-class customer support.