VARIOUS companies offer assurance santι pour les animaux - pet health insurance.
Its usefulness depends on whether or not you feel it could be difficult for you to pay vets bills should your pet fall ill: 40-60 for a consultation, 50-100 for laboratory analyses, 50-200 for antibiotic treatment, 500-1,500 for an operation etc.
The policies cost about 20 a month or more. They are not suitable if your pet is already ill and typically do not insure for conditions considered almost inevitable for certain races, like hip dysplasia in Alsatians.
Cheap options, just for surgery, can cost less than 10 a month.
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