There is no doubt that our pets are one more member of our family, therefore, they represent expenses in their food, their care and their health, so having them insured would mean that in case of emergencies and illness, we will not have to spend large amounts.
In general, a person could spend approximately 15,000 pesos a year to keep a pet with its basic needs, although this varies with each person, since some spend a little more to provide the best for their pets.
The main expense, after food, is the health of our furry ones. Just a visit to the vet for a general check-up costs approximately between 150 and 500 pesos, and to this we must add that, if our pet got sick or had an accident, we must buy the necessary medicines or pay for a treatment.
Tomás has a medium-sized dog and last month, during a walk, he got loose from his leash and ran to the avenue where he was hit by a car.
The puppy had to go to a canine hospital, where they performed surgeries on him, and between studies, ultrasounds, medications and hospital stays, Tomás had to spend around 30,000 pesos on all his pet’s medical expenses.
What do these insurances cover?
Pet insurance varies in terms of coverage, mainly covering dogs or cats against any condition that cannot be prevented, as well as veterinary expenses for any accident that may occur.
Also, in case our pet is lost, some insurers could cover the expenses for printing, advertisements and materials to find it.
In the same way, there is coverage for death or forced sacrifice, in case it is required due to an accident or situation that may arise. With this, the funeral expenses would be covered.
Some insurers have coverage for civil liability, in case the pet causes damage to third parties, such as attacking a person or damaging any of their property.
Sometimes, we cannot take our pets with us all the time or an emergency may arise that forces us to leave it alone, therefore, some insurances offer coverage for pet accommodation.
As for extra accessories, they can offer canine aesthetics, vaccines, deworming, sterilizations, or veterinary assistance by telephone.
You can quote online
The cost of the policy varies depending on the insurer, which also takes into account the coverage and the type of pet, whether it is a dog or a cat, in addition to the breed and age of the furry one.
In some insurers such as GNP or BBVA, we can quote our insurance online, all we have to do is fill out a small form, in which they will request the name of your pet, breed, age, even color, in addition to details of the owner such as name, phone and email.
The National Commission for the Protection and Defense of Financial Services Users recommends that, before taking out insurance, you carefully analyze the needs of your pet.
He recommends asking all questions to the agent who will sell you the policy, such as whether or not the deductible is paid and the percentage or amount, and carefully read its benefits and conditions. Also, you should ask if the insurer has its own network of veterinarians.
You must have at hand a vaccination record, insurance request and a recent photograph of your pet.