Is it worth having surgery or health insurance for my pet?

When you buy a pet, you think about many things. For example about the question of whether you should take out health insurance for your dog, cat or horse. Is such an insurance worth it for the animal? Your animal world gives tips.

Basket, leash, food and of course the purchase costs for the animal – if you buy a pet, you have to dig deep into your pocket, especially at the beginning. And then you should also take out health or surgery insurance for the animal. But is it really worth it? Isn’t it enough just to save money, for example? Unfortunately, it’s not that simple.

First of all, it is important to know that there are two different types of health insurance for pets such as dogs, cats and horses: an operating theater insurance only covers the costs associated with an operation, the full insurance covers not only the operating costs but also those for outpatient veterinary visits and inpatient treatment. Which these are and to what extent the costs are reimbursed, however, depends on the respective policy.

Is it worth having health insurance for my pet?

The regular check-ups for pets alone cost their owners a lot of money. According to “Stiftung Warentest”, the average costs for routine examinations for dogs are around 200 euros, for cats 120 euros – annually!

It becomes significantly more expensive if an operation and a hospital stay are also necessary. Then you can quickly go 750 euros for the preliminary examination alone.

Health insurance for your pet protects against such high sums. It can cover the costs for outpatient, inpatient and surgical treatments, medication, accommodation and diagnostics – and at least take away your financial worries in an emergency.

Photo: Sajkov (symbol photo)

Sure, health insurance is not always worthwhile. Because there are exception rules, the pet owner sometimes has to pay a certain deductible and, of course, more fees are due for the most comprehensive protection possible. Super cheap contributions with extremely high cost coverage – this miracle package does not exist. Even so, getting pet insurance is a good choice for most pet owners.

If you get yourself a young animal For example, taking out health insurance can be particularly worthwhile. After all, your protégé will hopefully have a long life ahead of you, with many veterinary costs incurred. Even if you like to travel with your pet, health insurance makes sense – if it also covers treatment costs abroad.

On the other hand, if your pet is older, you should think twice about whether animal insurance really makes sense in your case. Many providers only insure dogs or cats up to a certain age. In addition, the fees often rise with age or only part of the costs are covered by the insurance.

Is it worthwhile to have surgery insurance for cats or dogs?

Compared to full insurance, pure surgery insurance for animals is significantly cheaper. However, the animal is only protected for medically required operations.

However, because operations as well as pre- and post-operative care can often cause high costs, it is worth taking out surgery insurance for anyone who does not take out full insurance but wants to protect themselves against expensive veterinarian bills.

Dog surgeries: dog surgery or castration anesthesia
Photo: Imago / Ina Fassbender (symbol photo)

Is surgery insurance for horses worthwhile?

Even if a horse is injured or sick, the owners can face high costs. If you want to protect yourself against this, an operating theater cost insurance makes sense, advises “Stiftung Warentest“. If an operation is necessary, the insurance will pay for it. Whether diagnostics and aftercare are also covered depends on the respective tariff.

A white horse runs in a pasture.
Photo: (symbol photo)

“Stiftung Warentest” offers the most comprehensive protection during operations the Uelzener with the Premium Plus tariff. The sums insured are not limited, however, a deductible of 20 percent is due for horses from the age of eleven.

Uelzen’s insurance is not really cheap, but “Stiftung Warentest” advises horse owners to think twice about whether a cheaper insurance is enough. Because then fewer operations are covered, the reimbursement amount is limited – which in the end results in higher costs.

No matter which insurance you choose: You should inform yourself carefully beforehandwhich costs the respective policy covers and whether there are certain exclusion criteria. Most insurers, for example, refuse previous illnesses.

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