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NaniW
1 year ago

Hello

No! Animal excess!

From an animal insurance, I personally advise you have to be careful. For there is one thing:

  • Animal health insurance
  • Animal-OP insurance
  • Animal holder liability
  • so far I have no full insurance, which GENERAL cover!

Older animals have no chance, as many insurance companies are already 9 years old, no longer insure. It also depends on the current state of health of the cat. Already ill animals take insurance only in absolutely rare cases, especially older ones who need a veterinary care more and more at the age.

In addition, NOT all costs covered, smaller amounts such as vaccination, worm cure etc. are not accepted. Too often I have received insurance, in serious cases, even in the case of the large amounts, not always attacking, or even completely rejected, and at the end of that, you were still hanging on your own. It can also happen if an animal is often sick and also the costs are correspondingly more that the insurance will announce to you, but that is exactly why you want to insure his animals. Where to conclude an insurance if you are left in the rain in serious cases? You don’t get the contributions back if the current insurance year has not yet expired at the time of termination. Then you’d rather save yourself what you have free access, just as you need it!! Veterinaries are not inhuman, you can ask for a rate payment contract.

On animal insurance, you can also read from the consumer center, which also advises:

https://www.konsumerzentrale.de/wissen/geld-versicherungen/furthere-versicherungen/tierisch-ueberfluessig-krankenversicherungen-fuer-haustiere-10781

If you want to inform yourself about the costs, here:

https://www.vergleichen-und-spar.de/katzenversicherung/katzenkrankenversicherung/

https://hepster.com/katzenkrankenversicherung?

For Austria:

https://www.tieraerzteverlag.at/vetjournal/tierversicherungen/

Good

LG

wattdennnu2
1 year ago
Reply to  NaniW

Animal holder liability

Not needed.

Cats are automatically insured in private liability insurance!

NaniW
1 year ago
Reply to  wattdennnu2

Incorrect! If a cat, a dog or horse damages, the owner is liable – therefore a special animal liability insurance is to be advised. Private liability insurance does not apply here! In how far you really need them, everyone has to decide for themselves. With our cats absolutely unnecessary, because they have only secured clearance and otherwise only move in the house.

Good

LG

wattdennnu2
1 year ago

…the consumer centers (under experts) are known to have zero idea from the enrichment subject.

NaniW
1 year ago

I was told by the consumer center. But good.

Good

LG

wattdennnu2
1 year ago

Don’t write if you don’t know. Dogs and horses need their own liability insurance, but not the cat! Private liability insurance is enough for cats.

A greeting from an insurance broker.

Tommi8299
10 months ago

I am always not quite sure whether animal insurance is really necessary. If your cat is generally quite healthy, I would probably do without it. If she is sick more often, I found a relatively good overview of various cat health insurances: Cat disease insurance comparison 2024 (tierversicherung-testsieger.de)

Hope this helps:)

minamina7261
1 year ago

I’d be careful with that. The only insurance that keeps you after 4 years is the Barmenia. Everyone else reserves the right to throw you out of the insurance once you use it. You better put the money you’d pay for insurance on your side, of which you have more in the end.

Helmi139
4 months ago
Reply to  minamina7261

I have such problems and many others at Dalma are not very satisfied. According to AGB’s. Can this be most insurance for performance..But it can be very expensive for a serious illness or op.

LG. Helmut

EnisLatskin
1 year ago

Animalia, Epona, Mobile, SmartPaws