Optimal coverage – what do you need?Choose the right product
The insurance companies offer different products with varying benefits, among which you can choose. You should therefore check which basic coverage and supplementary benefits best suit your needs and choose your insurance accordingly. The leaner your insurance, the cheaper the premium.Lower premium thanks to deductible
Most providers of pet insurance offer varying deductibles. The higher the deductible, the lower the premium. However, you should not opt for a deductible that is too high as you would have to bear a large share of the costs yourself. If you already have a pet or used to have one, you can more or less estimate the costs for the species in question and choose the deductible accordingly.
Make use of reductionsTake advantage of online offerings
The cheapest offerings can be found on the Internet.Insurance for several animals
If you wish to insure several pets together, it pays off doing this with the same provider. Insurers often grant discounts in this case.Choice of payment method
You can optimise your premium also by choosing the right payment method. Providers offer reduced premiums in case of annual or bi-annual payment. Monthly payment is the most expensive option and should not be chosen if possible.
Loss event – what to do?Report loss immediately
It is best if you report a loss to your insurance company right away. This way, you can avoid trouble later on as the insurer could otherwise cut benefits. The required information as well as the necessary documents (e.g. veterinary case report) must be provided to the insurer.Claim or bonus loss
Check what your deductible is first. If the deductible is greater than the treatment costs, it makes more sense to pay the bill yourself. If you decide to bear the costs yourself, you can also notify the insurance company of your intention later on.
Fulfil obligationsPay your premiums on time
If you pay your premium late or not at all, you risk incurring reminder fees and gaps in the coverage. After the payment deadline has lapsed, the insurer is no longer obliged to pay benefits until the premium and the reminder fee have been fully paid. This means that you would have to pay the cost of a potential loss out of your own pocket. If you fail to act on the reminder, you also risk that your insurer might cancel the policy.