{"id":10579,"date":"2024-01-05T13:41:50","date_gmt":"2024-01-05T13:41:50","guid":{"rendered":"https:\/\/animauxenligne.com\/blog\/?p=10579"},"modified":"2024-01-05T13:41:52","modified_gmt":"2024-01-05T13:41:52","slug":"pourquoi-assurer-son-animal-de-compagnie","status":"publish","type":"post","link":"https:\/\/animauxenligne.com\/blog\/pourquoi-assurer-son-animal-de-compagnie\/","title":{"rendered":"Pourquoi assurer son animal de compagnie ?"},"content":{"rendered":"\n

La question revient souvent chez les propri\u00e9taires d\u2019animaux de compagnie : faut-il assurer nos amis \u00e0 quatre pattes ? Est-ce vraiment n\u00e9cessaire ? Lorsqu\u2019on adopte un chaton ou un chiot, ce n\u2019est pas la premi\u00e8re chose \u00e0 laquelle on pense. Mais une fois que notre animal est malade, ou lorsqu\u2019arrivent les probl\u00e8mes li\u00e9s \u00e0 la vieillesse, il est parfois trop tard. Voyons en quoi consiste une assurance pour animaux et pourquoi il est int\u00e9ressant d\u2019assurer son animal de compagnie.<\/p>\n\n\n\n

L\u2019assurance pour animaux de compagnie est-elle obligatoire ?<\/h2>\n\n\n\n

Doit-on assurer son animal de compagnie\u00a0? C\u2019est une question r\u00e9currente chez les propri\u00e9taires d\u2019animaux. Mais de quelle assurance parle-t-on ici\u00a0? En ce qui concerne l’assurance responsabilit\u00e9 civile, sachez qu\u2019elle est obligatoire pour un chien de 1re ou de 2e\u00a0cat\u00e9gorie, c\u2019est-\u00e0-dire, les chiens susceptibles d\u2019\u00eatre dangereux. Mais l\u2019assurance sant\u00e9 animale n\u2019est quant \u00e0 elle nullement obligatoire, il ne s\u2019agit pas d\u2019une assurance responsabilit\u00e9 civile\u00a0qui couvrirait les dommages caus\u00e9s \u00e0 autrui par votre animal domestique. Elle sert \u00e0 soulager financi\u00e8rement le propri\u00e9taire de l\u2019animal, en remboursant partiellement ou totalement les factures v\u00e9t\u00e9rinaires. Les animaux n\u2019ont pas de s\u00e9curit\u00e9 sociale contrairement aux humains. Une assurance chien (ou chat) n\u2019est pas une mutuelle chien (ou chat), m\u00eame si on l\u2019appelle souvent ainsi par abus de langage.\u00a0<\/p>\n\n\n\n

\"assurance<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Comment fonctionne une assurance pour chien et chat ?<\/h2>\n\n\n\n

Une assurance sant\u00e9 pour chien ou pour chat est une protection dont le fonctionnement est simple : le propri\u00e9taire assure son animal afin de couvrir totalement ou partiellement des soins v\u00e9t\u00e9rinaires potentiels. Il doit r\u00e9gler une cotisation mensuelle, voire trimestrielle ou annuelle, pour obtenir un remboursement des frais avanc\u00e9s, \u00e0 hauteur de 50 % \u00e0 100 % selon la formule choisie. Si votre chien est \u00e2g\u00e9, n\u2019h\u00e9sitez pas \u00e0 consulter le site https:\/\/mag.bullebleue.fr\/quelle-assurance-pour-chien-age<\/a> afin de vous \u00e9clairer sur ce cas particulier. Il existe plusieurs solutions qui correspondent \u00e0 diff\u00e9rents niveaux de protection. Les conditions, garanties et tarifs varient suivant les compagnies d\u2019assurance, mais trois grandes cat\u00e9gories de formules se distinguent.<\/p>\n\n\n\n

Les formules basiques<\/h3>\n\n\n\n

Ce sont des formules \u00e9conomiques certes, mais aussi les moins protectrices. Seront couverts les frais li\u00e9s \u00e0 la maladie et\/ou \u00e0 un accident, avec un taux de remboursement relativement faible, \u00e0 hauteur de 50 % \u00e0 70 % en moyenne.<\/p>\n\n\n\n

Les formules interm\u00e9diaires<\/h3>\n\n\n\n

Ou formules dites de confort, elles vont repr\u00e9senter un bon compromis. L\u00e9g\u00e8rement plus on\u00e9reuses que les formules basiques, elles couvriront n\u00e9anmoins plus d\u2019aspects, comme les frais li\u00e9s \u00e0 la maladie, \u00e0 un accident, mais aussi les examens compl\u00e9mentaires (la pharmacie \u00e9ventuellement). Le taux de remboursement varie entre 70 % et 90 %.<\/p>\n\n\n\n

Les formules premium<\/h3>\n\n\n\n

Ce sont les formules les plus compl\u00e8tes.  Haut de gamme, elles comportent, en plus de ce que proposent les autres formules, la prise en charge des frais li\u00e9s \u00e0 l\u2019hospitalisation, \u00e0 la pharmacie ou encore \u00e0 l\u2019euthanasie et aux obs\u00e8ques. Le taux de remboursement oscille entre 90 % et 100 %.<\/p>\n\n\n\n

Le propri\u00e9taire de l\u2019animal peut \u00e9ventuellement ajouter un forfait pr\u00e9vention, qui permet de couvrir jusqu\u2019\u00e0 un certain montant annuel l\u2019ensemble des soins qui s\u2019inscrivent dans cette cat\u00e9gorie, comme : la vaccination, les antiparasitaires et les vermifuges,<\/a> la st\u00e9rilisation ou la castration, l\u2019alimentation th\u00e9rapeutique, etc.<\/p>\n\n\n\n

Souscrire une assurance sant\u00e9 pour son animal de compagnie est certainement le meilleur moyen de prendre soin de lui. Avec ce type de contrat, vous prot\u00e9gez et votre compagnon poilu, et votre budget. Les frais v\u00e9t\u00e9rinaires seront pris en charge, en cas d\u2019accidents ou de maladies, et vous aideront le moment venu \u00e0 faire face \u00e0 ces difficult\u00e9s impr\u00e9vues. <\/p>\n","protected":false},"excerpt":{"rendered":"

Souscrire une assurance sant\u00e9 pour son animal de compagnie est certainement le meilleur moyen de prendre soin de lui. Avec ce type de contrat, vous prot\u00e9gez et votre compagnon poilu<\/p>\n","protected":false},"author":2,"featured_media":10580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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