How does dog health insurance work?
Dog health insurance covers veterinary costs (consultation, visits, hospitalisation, medicines and other treatments) related to your pet's healthcare.
These costs can be incurred as a result of an accident or illness.
Different formulas are available, with varying deductibles. A deductible is a portion of the cost of the covered loss that is payable by you. At AXA Assurances Luxembourg, and depending on the chosen formula, the deductibles for Pet Insurance are € 30, € 90 or € 150 per consultation or hospitalisation.
Whichever formula you choose, the total amount of reimbursements is set at a maximum of € 2.500 per year.
A little extra protection for young dogs: vaccinations (no deductible) and sterilisation are also covered as long as the animal is less than two years old. Last but not least, one of the formula allows you to benefit from "assistance" extensions to cover search, animal ambulance or boarding costs if you have to be hospitalised.
Don't forget that, in addition to visits to the vet, adopting a dog in Luxembourg also entails obligations such as making a declaration to the municipal authorities, paying a tax, taking out civil liability insurance, etc.
But nothing that will put off future owners who are also well aware of the sheer joy sharing their daily life with an animal brings.