Health Insurance for Dogs and Cats

The affection that we bring to our pets deserves to take care of their health. Veterinary care is expensive and the use of dog and cat insurance can be very useful for covering health expenses. Indeed, a simple fracture of the leg can easily exceed 1000 euros. It is essential to ask your veterinarian the cost of an intervention before deciding.

Follow our advice to compare the different proposals and choose in perfect knowledge of your contract.

Health protection contracts for pets

Health protection contracts for pets

There are different forms of mutual health insurance for pets with different guarantees from one contract to another.

Note that 1st and 2nd category dogs are mostly excluded by companies.
Main guarantees offered by a mutual

Most dog and cat insurance contracts offer you to cover veterinary expenses in the event of an accident or illness, that is to say the costs of care composed by:

  • Fees for the consultation
  • Pharmacy fees for prescription drugs
  • Expenses for laboratory, radiology and ultrasound examinations including postoperative
  • Expenses of transport in animal ambulance if the state justifies it
  • Surgical intervention and associated costs, particularly in case of hospitalization
  • Finally, the cost of euthanasia in a specialized establishment if the condition of the animal justifies it. Note that most contracts, however, exclude incineration costs.

Most dog and cat insurance policies offer extra options in the higher formulas.

Note that some companies offer assistance to the owners of the animal. For example, APRIL offers to keep your pet or to take care of the transfer costs to a relative if the owner is immobilized or to give him advice if the animal should be lost.

Subscription conditions

Subscription conditions

For your pet to be insured, it is essential that he meets certain conditions:
Be identified (tattooed or chipped). Recall that the identification of domestic animals is mandatory in France

  • Be up to date with mandatory vaccines depending on the type of animal.
  • To be in good health and not to present particular affections
  • Be between 3 months and 5 years old (age varies from one company to another, but all insurers have a minimum age and maximum age requirement.

What level of reimbursement?

As a rule, the contracts allow you to benefit from a reimbursement up to the actual costs incurred. The benefits vary from 50% to 100% depending on the formula and the contract chosen. It can be variable depending on the cause. In general, interventions by accident are better reimbursed than by illness.

Our advices

Our advices

Take the time to compare the health benefits for the most expensive care. Depending on your situation, consider the civil liability that covers the damages that your pet could cause to third parties.
On the other hand, be sure to take some precautions before subscribing to your contract. As with a mutual health insurance for humans, it is necessary to compare the contracts and read carefully the general conditions, especially the part concerning the exclusions.

Compare the level of deductibles and the limits applied by the insurer

Compare the level of deductibles and the limits applied by the insurer

In general, you should have a grace period of at least 6 months for a surgical operation and, depending on the contract, 1 to 2 months in case of illness. As for the annual reimbursement ceiling per animal, it varies greatly depending on the company.

Health Insurance in Studies

Health insurance is a big topic for many students. Depending on the age, marital status or employment relationship, the possibilities vary. We light up the darkness!

Insurance and student status

Insurance and student status

The student status is a special one, not only because of the many discounts : For you in many areas have their own rules, because you are not a worker in the classical sense (usually not even if you work alongside), but you are not unemployed ,

In Germany there is a compulsory insurance. This means that you definitely have to have health insurance at all times during your studies (apart from the fact that of course this is also in your interest).

We give you a reliable overview of what it looks like when studying with health insurance companies! All information refers to the statutory health insurance and study at a German university.

Under 25: health insurance in family insurance

Under 25: health insurance in family insurance

Case 1: under 25, full-time study, earning less than 450 euros, parents or spouse in the statutory health insurance

If you are under 25 years old and either your parents or spouse or your spouse are insured by law, then you can be covered by this family insurance. Family insurance is always free for you and for your loved ones. Important: If you want to be in the family insurance, then you have an income limit of 450 €, if you have a mini-job. For other types of income there is a limit of 435 euros. Your Federal financial aid and / or the maintenance payments of your parents are not considered as eligible income. The maximum monthly earnings mean average values. For example, if you only work during the semester break, then you can earn much more here without it affecting your health insurance.

Important: If you are under the age of 25 and work as a student trainee, ie earn more than 450 euros, you can not stay in the family insurance. You can then insure yourself in the student insurance. Just read the next case.

Over 25, under 30: student insured

Over 25, under 30: student insured

Case 2: older than 24, under 30, under 14 semesters, full-time study

When you turn 25, unfortunately, is over with the family insurance. Just in time for your 25th birthday you have to assure yourself. Each health insurance company has a special contribution for student compulsory insurance. These are by the self-imposed additional contributions not the same, but are including care insurance always around 90 €. You are allowed to work in a mini-job or work-study status.

If you refer to Federal financial aid, you will receive a subsidy to pay the costs of the health insurance.

From 30: voluntarily insured during studies

From 30: voluntarily insured during studies

Case 3: over 30 or at least 14 semesters, no employment subject to social insurance

If you are already 30 or older or have reached the 14th semester, you can no longer insure yourself in student compulsory insurance. From this point on you have to voluntarily insure yourself. “Voluntary” here is the name of the insurance status, in this case, there is a compulsory insurance in Germany.

There are two possibilities here:

a) You are in the final phase of your studies
If you have to insure yourself voluntarily, you can use a so-called “transitional rate” for a maximum of 6 months. During this time, you will receive a cheaper contribution in the voluntary insurance to complete your studies. Including long-term care insurance are just over 140 euros.

b) You are permanently insured voluntarily
If these 6 months are over in the special tariff and you continue to study, you must insure yourself regularly. The amount of voluntary insurance depends on your monthly income. The health insurance always goes from the minimum income limit of 1050 euros. This means that you have to pay at least 142.10 euros plus additional contribution plus care insurance.

Possible extension of the age limit

There are exceptional cases in which you can stay in student health insurance for more than 30 years. This applies, for example, if you have studied late, because you have come on the second educational path to study. Even the birth of a child, a serious illness or the care of relatives are considered delays. The health insurance assesses whether and how long you can still stay in the student health insurance. You should therefore deal with your insurance as early as possible.

With 37 years (the reason for this time is the calculation “30 years plus 14 semesters”) is in any case but finally concluded with the student health insurance contributions.

What about the 14 semesters?

From the 15th semester you have to insure yourself voluntarily. For this you should know that semesters are something other than high school semester. They always refer to the current degree program. For example, if you have studied law for 10 semesters, then graduated and started studying English, you are back in the first semester.

Are the semesters of Bachelor and Master added together?

It gets complicated when it comes to the question of how it is in terms of Bachelor and Master. As a rule, the semesters in the Master are also counted from the beginning. However, when it comes to the same course of studies, the health insurance funds will include the semesters. Then you may not need more than 14 semesters for bachelor and master to be insured for students.

However, there are also reports from students who have asserted that the health insurance has not added the master to the bachelor’s semesters. There is a kind of gray area here. Many Masters do not completely correspond to the Bachelor’s programs, for example, another focus is placed. Then it may be worthwhile to try it with the argument that the semesters have to be counted from scratch.

Student insurance with more than 450 euros

Student insurance with more than 450 euros

Case 4: Social insurance subject busy in the study

In all constellations presented so far: If you regularly earn over 450 euros a month and work more than 20 hours a week, so you have no student status, you are liable to social security (and taxable!) And you have to insure your job.

If you are in family insurance or can take the student insurance, this option is probably not useful. Anyone who earns an unusually large amount usually also works accordingly, which can lead to a delay in their studies. In addition, the Federal financial aid claim then expires, for example.

If you can no longer be in the student health insurance, unfortunately, you have only the options to insure yourself about a job or to finance a voluntary insurance, for example, about a self-employment.

So far, we have always started from a full-time study, which means that your main occupation is not your job but your studies. If you are studying part-time as a part-time job, the rule of law about your job requiring social insurance contributions is insurance.

Australian Health Insurance

Before leaving for Australia, as well as for every journey, it is always best to inquire about the health insurance system present on the destination territory.

Regarding the Australian health insurance, you must know that Italy and Australia have signed international agreements thanks to which you will be covered by health insurance for the first six months of stay in Australia.

The first thing to do to get health insurance

The first thing to do to get health insurance

When you arrive in Australia, you will need to go to one of the Medicare offices, Australia’s national health system, with your passport and health card. Here you will have to fill out some forms and you will receive, at the address you have indicated, a card with your name and an identification code that will constitute your Australian health card.

To obtain it, you will be provided with an English form to fill out with several pages, so I advise you to be accompanied by someone who speaks English, if you do not feel completely comfortable doing it yourself.

Healthcare in Australia

Healthcare in Australia

Australian public health care is excellent, particularly in large urban centers, but can be very expensive if you are not covered by insurance. Therefore, know that the stipulation of Medicare does not cover you in every case: for example, dental care and ambulance transport are excluded.

Before leaving, consider carefully. If you want to be truly 100% calm, it will be better to proceed to the stipulation of a private insurance (there are so many, for all budgets). By now there are various types and various price ranges.

The advice is to choose an insurance that provides for direct payment, rather than reimbursement of medical treatment. In this way you will be sure not to have to pay anything from your own pocket. If for any specific medical service you are asked to pay immediately, remember to have your bill issued and keep all the contact details of the clinic or medical center where you went.

At the conclusion of each insurance contract, read all the clauses carefully. It will take you some time, but it is good to start with clear ideas knowing exactly what coverage you will be entitled to and which ones you will not.

The details that should not be underestimated

The details that should not be underestimated

Among the details worth checking out is also the repatriation by plane on a vehicle plane with a doctor on board. In particularly serious situations it may be necessary and providing without any insurance could be very expensive indeed.

Remember also that the insurances do not cover previous and recurrent illnesses of the same. At the signing of the contract you will be asked for your current health conditions and you may be asked for an additional cost in case of special situations.

Health Insurance – Medicare

Based on you, we have signed a strategic alliance with Medicare , a leading healthcare provider in quality, professionalism and experience. We can offer you important benefits, a wide network of assistance and special coverage.


Resources of Medicare

Resources of Medicare

Medicare has the following resources:

  • More than 40,000 professionals.
  • Over 700 support centers throughout Spain.
  • Centennial Milenium Multiespecialidad
  • More than 113 clinics in the Milenium Dental category


Medicare Professional is the most comprehensive health care insurance for self-employed people. Medicare has a large medical check-up in the state at the disposal of the professional, as well as complementing insurance coverings.


Medicare Solutions

Medicare Solutions

Health solutions tailored to your needs and your business needs:

  • Primary medicine and specialties : dermatology, ophthalmology, gynecological studies, etc.
  • Diagnostic tests : ecographies, analyzes, x-rays, etc.
  • Therapeutic methods : rehabilitation, treatments, oncology, etc.
  • Surgical interventions : those who require a hospital and do not require it.
  • Hospitalization
  • Second medical opinion .
  • Emergencies abroad .
  • Medicare Responde: telephone consulting service.
  • Dental coverage : 25% discount on services and market prices up to 21% in all other dental treatments.


Medicare Coverage

health insurance Coverage

Medicare Professional with insurance, you can customize the coverage:

  • Pharmacy * : With Medicare, your medication in half-time.
  • Coverage in the U.S .: You can go to prestigious hospitals in the US.
  • Assistance programs to overcome nutrition, psychology, tobacco dependence, major health guidance, activate and active pregnancy …
  • Income : Medicare gives you compensation while you are in the hospital.
  • Temporary Disability ** : If you are ill, we help you with compensation.
  • Optics : now, your glasses and lenses in half-life.
  • Medicare Professional, with or without the agreement: if you take the decision of the co-ordination, the first 6 services will not cost you.
  • An assurance of road accidents.

* 50% of each invoice will be refunded, up to a maximum of € 200, insured each year.

Dependent on Health Insurance: What Do I Need to Know Before Enrolling?

Dependent on health plan: know the rules

Dependent on health plan: know the rules

Having a health plan means having more safety and comfort for a lifetime. A health plan offers a number of advantages. And, of course, headlines want to extend this to their family members.

A fairly common question of who has the benefit is knowing how the inclusion of dependent health plan works.

Like any other contract, the inclusion of dependents has rules. In this post, we have gathered some information about the theme to help you. Enjoy and also know a little more about the validity of the business health plan.

Learn more about dependents in the Health Plan

Learn more about dependents in the Health Plan

The beneficiaries of health plans are mostly linked to companies. Many consider it an attractive position not only for salary, but also for the benefits offered. Among these benefits are: transportation assistance, food and health insurance.

Therefore, in most cases, the holder must take into account that the plan contracts involve, in addition to the operator, the company contracting the benefit. When there is a need to include dependent on the health plan, the first thing to do is to read the contract carefully.

You need to understand exactly what was hired. Especially in cases where the plan is business, seeking in the text a specific clause on inclusion of dependents. If the inclusion of dependents is included in the contract, it must inform how to include the persons in the agreement.

The contract must also indicate if there are costs or deadlines to be met. If the holder wishes to change the plan.

Who can be dependent on the health plan?

Who can be dependent on the health plan?

It is important to know that the dependent can not be any person the holder wants to include.

According to legislation of the National Agency of Supplementary Health (ANS), it may be dependent on the health plan: relatives from 1st to 3rd degree consanguineous (children, parents, uncles, nephews, grandchildren, grandparents, etc.), spouse or partner or partner in stable union) and relatives by affinity (in-laws).

It is also worth mentioning that the couple who have a proven stable union have the right guaranteed, regardless of whether the partner is of the same sex or not. Check specific rules for inclusion of dependents in stable union.

In the video below you will find out more about how the inclusion of dependents in the health plan works.

Is there a minimum or an age limit for the children?

Is there a minimum or an age limit for the children?

Also be aware of the age limit of the children. Many plans set an age limit for first-degree dependents of the holder. In some cases, the child is no longer dependent on the plan at age 21. But there are contracts that extend that age.

The continuity will depend on the policy adopted and negotiated by the contracting company (for business health plan) and the rules of the operator of the plan. The children of health plan beneficiaries have a guaranteed right to join the parental plan from birth.

This right is equivalent to adoptive, foster or stepchildren, and it is only necessary to prove the bond.

What do I need to do to include dependents?

What do I need to do to include dependents?

The health plan operator will always request documents to prove the link between the holder and the potential dependent.

This documentation will depend on the degree or type of connection between the two. It can be requested from a Birth Certificate, for children, as a Declaration of Stable Marriage or Certificate of Marriage, for the spouses.

Personal documents, such as RG, can also be requested. Consult your plan’s carrier to find out how much time it takes to evaluate and include dependents. Do not forget to ask about possible costs or grace periods to consider before making the change.

Private Health Insurance for Official Candidates | What is better? Private health insurance for civil servants & civil servants

With the honorary office on revocation you have the opportunity to switch to a private health insurance for civil servants. Of course, this raises many questions: What does a private health insurance for civil servants cost ? Is it also possible to stay in the statutory health insurance?

Which performance differences should be considered? How does it continue after the candidate time with private health insurance? Today I would like to inform you comprehensively on this topic and answer your questions.

1. How much does private health insurance cost for civil servants?

1. How much does private health insurance cost for civil servants?

Official candidates have the choice between a statutory health insurance and private health insurance. Which costs in a private health insurance for civil servant candidates in contrast to the statutory health insurance come to you, see the following example:

23-year-old civil servant candidate at the tax office (eg: future salary A10 in NRW):

Contribution to the statutory health insurance: 223.51 Euro per month
1255.68 euros monthly salary during the candidate period x 15.0% SHI contribution (including 1% additional contribution TK example) + 2.8% long-term care insurance = 223.51 euros

Contribution to private health insurance: from 56 euros per month
(without pre-existing illness, with twin room & chief physician – 50% subsidy)

The monthly Erspanis by switching to a private health insurance for civil servants in the example is around 167 €.

Calculate your health insurance contribution for civil servant candidate:

…… and learn by comparing the private health insurance for civil servant candidate with what costs you have to expect.

Why does the statutory health insurance fund demand such a high salary for civil servant candidates?

In contrast to training in the employment relationship, officials from the employer (employer) receive no subsidy to the statutory health insurance contribution. This means that you always pay the full contribution to the GKV completely out of your own pocket.

What advantage does private health insurance offer?

What advantage does private health insurance offer?

If you opt for a private health insurance for civil servant candidates, then the subsidies of your federal state or federal government contribute at least 50 percent to the medical expenses. Only the remaining 50 percent must be covered by a private health insurance.

This results in the mostly clear financial advantage of private health insurance for civil servant candidates.

2. What should be considered in the PKV for civil servant candidates?

2. What should be considered in the PKV for civil servant candidates?

Two criteria are important in terms of private health insurance for civil servant candidates:

 – your starting age
The starting age is only important if you, as a candidate, start your aspiration time after your 34th birthday, or if you reach that age during that time.

– Your health
Private insurance may demand additional contributions due to “pre-existing illnesses”. Please read: Which health claims are significant for civil servants when concluding a private health insurance scheme?

For this reason, when comparing private health insurance for civil servant candidates, it is important to consider possible risk premiums from the very beginning.

3. What services does the PKV offer for civil servant candidates?

3. What services does the PKV offer for civil servant candidates?

The private health insurance for civil servant candidates convince in addition to the lower costs by a plus in performance over the statutory health insurance.

For example, the following are insured in the PKV tariffs:

– Glasses & contact lenses
– high protection in the tooth area including tooth cleaning
– private medical billing rates
– alternative healing methods
– On request single or double room with chief physician in the hospital
– Foreign travel health insurance

However, there are, of course, huge differences in the contributions and benefits between the different providers. What to look for in the benefits of a private health insurance for civil servants candidate read here: checklist benefits private health insurance officials.

Tip: In certain areas, the benefit cuts benefits. Therefore, it is recommended to include the so-called auxiliary subsidy tariff in the private health insurance protection. This tariff module protects you from additional payments from the aid (for example, in the areas of glasses, dentures, aids, etc.).

You can also find all the information in our video on PKV for civil servants:

4. What happens to the PKV after the candidate time?

4. What happens to the PKV after the candidate time?

With the successful completion of the candidate period accounted for in the private health insurance for civil servant candidate the discounted candidate conditions. There is a change to the normal rate for civil servants.

Example of a 28-year-old civil servant at the tax office (eg: salary A10 Level 3 in NRW):

Contribution to the statutory health insurance: 485, 24 euros per month
2,764.88 euros monthly salary x 15.0 percent GKV contribution (including 1% additional contribution TK example) + 2.55 percent long-term care insurance = 485.24 euros

Contribution to private health insurance: from 228 euros per month
(without pre-existing illness, with twin room & chief physician – 50% subsidy)

Tip: Even before deciding on your private health insurance for official candidates, take a look beyond the box to the cost of the later full tariff for civil servants.

Note that there are some “Locktarife”. This means that although they offer you favorable conditions during the candidate period, they demand above-average contributions with the probationary service. Please read: Can I change my health insurance after my time as a civil servant?

Therefore, we immediately send you two comparisons:
A comparison of private health insurance for civil servant candidate and a contribution-performance comparison for the later full tariff for civil servants from today’s point of view.

If you initially receive a contract in the employment after the candidate period, you must return to a statutory health insurance (as far as you are insured). This is often the case with teachers. The private health insurance for trainees can therefore not be continued.

However, you have the opportunity to “freeze” your private health insurance via a so-called prospective insurance until renewed honorary office. With probation on probation, the private health insurance for civil servants can be reactivated immediately without a new health examination.

Advantages of private health insurance official candidate

For civil servants, the change to a private health insurance offers mostly due to the cheaper contributions and benefits compared to the statutory health insurance.

Only because of certain “pre-existing illnesses”, the whereabouts in the statutory health insurance may be useful.

To find the best private health insurance for civil servant candidates, we offer you a non-binding and free health insurance comparison. Thus, you will learn which, PKV offers you the optimal price-performance ratio and best suits your individual needs.

Use the comparison of private health insurance for civil servants and as a real decision-making aid and get in this way a clear overview of the tariffs in the market.


Health insurance: how it works and what it covers in 3 points

The health insurance intervenes in the event of any illness or accident of the insured or his family, constituting a valid alternative to the national health system.


Health insurance: what it is

Health insurance

Health insurance is a type of optional insurance that allows you to take advantage of a private medical service without spending large sums. Very common in countries where there is no state health care system (for example, the United States), in recent years it has also found space in Italy due to the frequent disruptions of our public health, which guarantees free but not always efficient medical care , starting with long waiting times. This is why many people prefer to rely on private healthcare , which, however, has very high costs: health insurance is needed precisely so that these costs do not fall into their bank account.


Health insurance: what coverage does it provide?

what coverage does it provide?

There are different types of health insurance , each with the most suitable covers for every type of customer need, and possibly also extended to family members or employees. The most common are the following:


Indemnities : guarantee the insured a pre-established sum for each day of admission and, if the need arises, even for the days of post-hospital recovery . They also provide for compensation for plaster casts due to bone fractures and for any loss of earnings resulting from the fact that they could not work, because they are hospitalized or convalescent.

To reimbursement : they compensate the beneficiary, in full or in part (depending on the terms of the contract), for the medical expenses incurred due to an accident or illness. These expenses can be prepaid by the insured person, who will then be reimbursed by his insurance, or debited directly to the insurance company.

For permanent disability : they assign an economic compensation proportionally to the degree of disability. To collect it, however, it is necessary that the disability exceeds at least 26% .

In summary, health insurances offer coverage for hospitalization, hospitalization, treatment, physiotherapy and rehabilitation expenses, purchases of medicines during hospitalization and diagnostic tests related to illness or injury.


Vice versa, health insurances do not offer coverage for cosmetic procedures, dietetic treatments, corrections of physical defects, voluntary non-therapeutic abortions, particular diseases such as AIDS, schizophrenia and other mental illnesses, as well as injuries deriving from alcohol abuse, drugs, hallucinogens and psychotropic drugs.


Health insurance: to whom it is recommended

Health insurance: to whom it is recommended

In Italy , medical expenses are free by law , but in reality we know that this is not the case: taking care of your teeth, for example, costs a fortune, as do contacting physiotherapists, ophthalmologists, cardiologists, etc. Not to mention that the free health services guaranteed by the State, for which the ticket must still be paid, often require very long waiting times.


Enter into a ‘ health insurance instead allows you to seek treatment privately by a professional, gaining immediate benefit with the repayment of all or part of the costs. For this reason, health insurance is recommended to everyone, especially for people who are not very young, while bearing in mind that some contracts allow the stipulation only within an age limit (from 65 to 80 years, depending on the company ).