FAQ Pet Insurance Frequently asked questions

Buying a policy

I have never insured my pet before. Why do I need to?
With vet fees becoming increasingly expensive, the cost of relatively minor treatments can be
a shock. Veterinary charges for treating a broken leg for example could come to €1500. By
insuring your pet you ensure that he need not suffer simply due to price

Why Vetplan and not another insurance provider for your pet ?
Vetplan is designed to provide you with the peace of mind that comes from knowing that in the
event of your pet becoming seriously ill, or being involved in a serious accident, that you can
afford to have your pet treated rather than considering the terrible alternative of having your
pet "put to sleep". Vetplan is not designed to treat your pet for simple illnesses such as “coughs and colds”.

What is the minimum and maximum age of a pet you will insure?
You can buy an insurance policy for your dog or cat if the animal is aged between eight weeks and nine years. If your pet has been insured with us for a minimum of three consecutive years before his ninth birthday, then we will continue to insure your pet after the age of nine for the rest of its life. Note that once your pet has passed the age of nine years benefits could be reduced and premiums could rise.

What if my pet is ill before the insurance starts?
We are unable to cover any condition that is pre-existing or for any illness or disease that
occurs during the first 21 days of your insurance cover.

A pre-existing condition is one which occurred or existed in any form, prior to the start date of your insurance policy. Such conditions will be subject to a two year moratorium. This means that once your pet has had no re-occurrence of the pre existing condition during a two year period, he will be covered under the terms of your Vetplan.

How Can I contact Vetplan?
Please click here to be directed to our contact page.

Are there any restrictions on the types of dogs that can be insured?
All breeds of dogs and cats can be insured except those used for commercial ends (excluding certified guide dogs) also those who are used in hunting sports and dogs classified in the first category of dangerous dogs.

What exactly does 'Waiting period' mean?
Period during which the guarantees are not yet in force. The starting point of this period is the effective date indicated on the certificate of membership. This means that any accidents, illnesses or surgery must have first occurred after the waiting period to be covered by this policy.

Does your insurance cover third party?
No, Our insurance only covers the animal named on the policy.

Does the policy cover surgery needed as a result of illness or accident?
Yes the policy covers surgery as a result of illness or accident, however you need to be aware that we are unable to cover any condition that is pre-existing or for any illness or disease that occurs during the first 21 days of your insurance cover.

Does the policy cover elective surgery such as castration?
Currently we do not cover elective surgery, The cost of sterilization, castration, vasectomy, ovariectomy, abortion, contraception, parturition and caesarean section, and expenses related to pregnancy and its consequences and artificial insemination, except when the procedure is deemed medically necessary by a veterinarian.

If I take out the insurance with Vetplan and I then move to another country would I be able to transfer my insurance?
The benefits under this contract apply to residents of metropolitan France and the Principality of Monaco. The benefits also extend the contract to cover temporary visits, limited to 30 days per year in all Member States of the European Union.

How can I change my address and/or other details?
You must notify us of any changes, as mentioned above, within 15 days of the first awareness of such a change. Email us ‘BIZZASSIST’

Are vaccinations considered part of consultation visits?
No, Vaccinations are not covered by this policy.

Is there an annual ceiling in terms of number of medical procedures carried out?
No, There is no limit number of medical procedures performed annually.

The coverage in case of accident or illness is € 10,000 maximum per year, with a maximum of € 3,000 per accident or illness?
Yes

Who are your under writers?
Your insurance policy is underwritten by SOLID Försäkringar. Insurance "VETPLAN" is a contract proposed by DSA EUROPE (SARL) RCS Montauban 513 014 241. No. 09 051 276 ORIAS

I would like to insure my diabetic cat with VETPLAN, is this possible?
No, We are unable to insure an animal with a pre-existing condition.

Please can you tell me what the premium would be to insure my Bernese Mountain dog - he is 20 months old with no health problems.
We do not make a distinction between breeds of dogs and cats. All can be insured except those used for commercial ends (excluding certified guide dogs) also those who are used in hunting sports and dogs classified in the first category of dangerous dogs. Click on this link and you will receive a quote by email.

Are hospitalisation fees associated with surgery reimbursed and at what rate?
Yes hospitalisation fees in a vetinary clinic when associated with an operation are reimbursed at 100%

Are the costs of medicaments and vaccines paid for and how?
The purchase of medicines prescribed by the veterinarian are covered, but expenses incurred by diseases that a preventive vaccine could have prevented are not covered by this policy. For the reimbursement of expenses you should download a claim form by clicking the link on the site

What assistance do you offer?
We have phone support and e-mail.

Payment

How can I pay for my insurance policy?
You can pay online in one lump sum using Visa, MasterCard or Switch/Maestro. You can also arrange to pay by card in ten monthly instalments . Should you choose to pay in 10 monthly instalments the annual cost of the insurance policy will be higher. Note that when paying in instalments the total amount is always due and that the monthly instalment option is simply a courtesy that we extend to you.

Is there a price reduction for more than one pet.
Yes. We offer a discount of 10% off our standard premiums for the second and subsequent animal when you insure more than one pet with us. We also offer a special discount for official guide dogs.

For all treatments guaranteed at 100%, is it sufficient to send you the invoice for a refund?
Yes, click here for more information

How long is the delay for reimbursement?
Seven Days.

For each accident or illness, a € 75 excess applies, that is to say that 75 € remains in my care?
Yes

Insurance claims

What should I do if I have an insurance claim?
Download and complete the claim form. Take this form to your vet and once the vet has completed the details of the treatment he has given to your pet, send us the form and the relevant proofs of payment. We will then arrange payment to you. Should we require further details we will contact you.

What is the franchise?
The franchise is the first part of each claim which must be paid by you. Our franchise is set at €75 . This will be shown on your contract. However you can insure against having to pay this, if you buy the optional franchise protection.