Animal health plan: what is it, how does it work and how much does it cost?

Health plans are usually limited to dogs and cats, but there are options that include other types (Photo: Canva/Creative Commons)

Health care For the animal is one of the main functions of the particular teacher. Regular visits to the veterinarian, examinations and even surgeries, as well as the purchase of medicines, require high investments and are not always affordable. Observing this situation, many companies have started offering pet health plans, which perform the same functions as the deals offered to humans.

Mara Pereiraan employee of a company in the field, believes that the main advantages are security, quality assurance of service and pricing without hesitation when needed.

“The schemes cooperate a lot in terms of the financial resources of the farmers of animals in treatment, since a series of services are already guaranteed for only a monthly fee, which becomes recurrent in the event of an emergency. disease,” he explains.

Because this is a largely new service model, not all clinics and professionals offer the health plans available on the market, so confirmation of plan coverage is one of the first steps to confirm if the investment is worth it.

From a veterinarian’s perspective Amanda Freitas, a clinic coordinator who provides this type of care, the best plan is the one that offers the most coverage. “In this way, the teacher makes sure that there are no problems in releasing procedures, finding approved places and, above all, ensuring the quality of care,” he says.

Health plans can offer medical consultations, tests and procedures (Image: Canva/Creative Commons)

Mara realizes that the main failure of teachers when choosing a plan is not ensuring that the service provided meets all their demands. “If he wants to neuter your pet in a few months, for example, you have to make sure the plan includes surgeries. Also, we can’t help but assess the limitations and shortcomings of each element,” he says.

Amanda also suggests knowing at least some of the approved organizations in the plan to avoid future surprises. “If possible, go to the service to meet specialists, and see which establishments near you, especially 24 hours a day, will be responsible for helping your partner in the event of an emergency,” he warns.

What is the price?

The most comprehensive plans that offer the service excellent And a wider range of clinics, specialists and treatments are often more expensive. However, there are packages starting at 60 BRL per month with basic coverage. On average, brokers usually cost R$140 and the more premium ones can exceed R$250. It should be noted that the values ​​vary depending on the service contracted and the age and needs of the animal. animal.

The trend is for costs to increase with age and health needs. Therefore, experts recommend that teachers look for these options at the initial stage of the animal’s life.

In this way, the patient is followed from the start. This follow-up thanks to requests Routine examinations, prevention of future illnesses and early treatment are ensured. Nothing prevents an animal from having a lifelong health plan, but in these cases, the plan does not cover certain diseases that have already been diagnosed,” warns Amanda.

Boyd S. Abbott