Chihuahua, bulldog, German shepherd… What are the most expensive dog breeds to insure?

Thanks to the MoneyVox Market Intelligence tool, which analyzes the database of the broker Meilleurtaux, we have deciphered the premium quotes offered to dog owners. As a result, the median price is around 30 euros per month. But be careful, depending on the breed, you will need to find out about exclusions and deductibles.

Dogs are more insured than cats in France. Even though it’s a drop in the ocean and 5% of pets are covered by health insurance, owners tend to study options closely for dogs, more than for cats.

Owners of French Bulldogs, American Staffordshire Terriers, German Shepherds and Chihuahuas are particularly sensitive to the issue because these are animals that present high levels of disease due to genetic predispositions that make them more vulnerable. They represent almost one in two animal insurance contracts in France and 7 in 10 quotes.

The principle of animal insurance is simple: the contract includes an annual reimbursement amount and a more or less wide range of care covered, depending on a percentage. The contract is also constructed by block. That of care includes the annual consultation with the veterinarian, x-rays and medications. And that of surgery includes hospitalization, analyzes and living expenses. Euthanasia and/or funeral costs can also be covered, as an option with a maximum amount between 200 and 600 euros depending on the contracts.

Thanks to the MoneyVox Market Intelligence tool, which analyzes the database of the broker Meilleurtaux, we have deciphered the premium quotes offered to dog owners. Crossbreeds are the type of animal most concerned but breed-wise, we find French Bulldogs, Shepherds, Chihuahuas, Goldens and German Shepherds. In terms of price, the median (50% of quotes are cheaper, 50% more expensive) is also higher with a notable amount of 30 euros per month.

Globally, the median price is between 25 and 30 euros per month for dogs and can easily rise to around 80 euros for the most complete protections.

Beware of exclusions and deductibles

The contract for teachers costs 26 euros per month on average. For dogs, the average monthly amounts are as follows in co, medium, premium: 16.60 euros, 30.71 euros, 46.76 euros. For cats, the prices are slightly lower: 14.21 euros, 23.12 euros, 38.27 euros. After the age of 7, prices also skyrocket for animals, going from single to double. You should also know that a chronic pathology such as diabetes, arthritis, osteoarthritis or asthma are often prohibitive for insurers.

It is also good to know that deductibles may be imposed on each medical procedure. This excess can be an amount in euros (often between 10 and 50 euros) or a percentage (often 20%) of the total amount of costs.

According to the annual SantVet/Ipsos study, health costs cost on average 275 euros per year for dog owners, out of a total annual expenditure (food, health, etc.) of 584 euros per year.