Does pet insurance cover the death costs of his dog or cat?

Does pet insurance cover the death costs of his dog or cat?

Every year, more and more dog and cat owners take out health insurance to protect the well-being of their little companion.

If these mutuals for animals make it possible to considerably reduce the costs related to veterinary care, more and more owners also wish to benefit from a reimbursement of their costs in the event of death. Is it possible to include this guarantee in a classic insurance contract or to take out a dedicated contract? What support to expect? Let’s take a look at this case.

Pet insurance: what options are available?

Insurance for dogs or cats is a formula that is similar to our complementary mutual insurance for humans. Each insurance company can freely apply the conditions and rates of its choice, but there are however three main categories of formulas.

  • The basic formulas are the most economical. With an average contribution of 5 euros to 15 euros per month, they cover very few costs since they only reimburse care related to illness and/or accident up to 50% to 70%.
  • Intermediate formulas, comfort, are more interesting. For an average cost of around 12 euros to 30 euros per month, they also cover the costs of examinations and analyzes as well as, in most cases, the pharmacy. The reimbursement rate in this case varies between 70% and 90%.
  • Premium formulas, top of the range, are the most complete. With a reimbursement rate of around 90% to 100%, they cover almost all veterinary expenses for an average monthly contribution which can vary between 30 euros and more than 80 euros.

The operating principle of animal mutuals is simple. When the master consults the veterinarian for his animal, he gives a care sheet to the practitioner. After the consultation, he must pay the amount provided and then send the duly completed treatment sheet to his insurer as soon as possible, as well as the detailed invoice for the treatment provided. Within a more or less long period (from 24 hours to several weeks depending on the contract), the master receives a transfer to his bank account which corresponds to the reimbursement due to him.

It should be noted that the amount of reimbursement depends on the formula taken out, in particular on the reimbursement rate applied as well as the treatment covered. Indeed, the reimbursement rate only applies to the care covered by the contract and not to the total bill for the care provided.

In addition, the amount of reimbursement can be modified if the contract provides for a deductible. This refund hold can be applied as a percentage or a fixed amount and on the first or each year’s refund request. In addition, each contract is accompanied by an annual reimbursement ceiling, which is the amount that the insurer agrees to reimburse to its client per year. Once this ceiling has been reached, the master will no longer be able to benefit from reimbursement of his veterinary expenses before the following year, even if he has taken out 100% complete health insurance.

Insurance for dogs or cats: what coverage of death costs?

When a dog or cat owner wishes to cover the costs related to the death of his little companion, he has several possibilities. Most animal insurance companies provide optional cover linked to the death of the animal, but some offer specific contracts solely devoted to insuring the death.

Whatever solution is chosen, the principle is substantially identical since, depending on the level of protection taken out, the insurer reimburses all or part of the costs incurred by the master in connection with the death of his little companion (cremation, burial, urn, burial, etc.). Euthanasia costs can also be included in the fixed price, insofar as this intervention is justified by medical necessity.

However, taking out death insurance for your animal is subject to certain conditions.

Pet’s age limit

An option intended to cover the death of a cat or a dog cannot be taken out at any time. Depending on the insurance companies, a maximum age limit is imposed and it can be higher or lower. The master is generally compensated in the event of premature death, that is to say following an illness or an accident. For the cat, the maximum age is most often set at 10 years, while it oscillates between 7 and 10 years depending on the breed of dog.


Life insurance for animals comes with several exclusion clauses, like any insurance contract. Typically, the most common exclusions are:

  • when the death occurs while the compulsory vaccinations of the animal are not up to date;
  • when the dog or cat has been euthanized without medical reason or without legal reason;
  • when the animal dies during the waiting period, the period which runs between the subscription of the contract and its taking effect, and during which the dog or cat is not yet covered;
  • when the animal dies as a result of an organized fight, an illegal and dangerous practice;
  • when the dog or cat is the victim of mistreatment.

A procedure to follow

To benefit from the compensation provided for by the death insurance contract taken out, the owner of the animal must have a statement of the death of his little companion drawn up by a veterinarian. It will then be necessary to send the insurer the death certificate and the form drawn up by the practitioner. Within a maximum period of 30 days after receipt of the supporting documents, the master receives the capital provided for in his contract in the form of a bank transfer.

In addition, the master of the deceased dog or cat must inform the national identification file of domestic carnivores (I-CAD) via the website provided for this purpose. He can also contact the I-CAD by completing the detachable part of the identification card issued at the registration of the dog or cat.

Death insurance for dogs or cats: how much does it cost? How to choose it?

Death insurance provides for the payment of a death benefit upon the death of the insured animal. The amount of capital is variable and depends directly on the formula selected. If the prices vary according to the insurers, it is necessary to count on average:

  • 160 euros in death capital for a monthly contribution of 2 euros;
  • 310 euros in death capital for a monthly contribution of 5 euros;
  • 610 euros in death capital for a monthly contribution of 8 euros;
  • 750 euros in death capital for a monthly contribution of 10 euros;
  • 1,500 euros in death capital for a monthly contribution of 15 to 20 euros.

How to choose your death insurance for dog or cat?

You can approach generalist animal insurance companies as well as specialized agencies or even banks that offer this type of contract. Nevertheless, to save precious time and choose from the best offers on the market, the online comparator remains the most effective tool.

Indeed, the online comparator is free, without obligation and very easy to use for everyone. Ultra powerful, it allows you to receive offers adapted to your needs and your budget according to the analysis of the data collected by a brief questionnaire that the tool asks you to complete. Then you just have to request detailed quotes for the offers that hold your attention and then make your choice after a careful comparison of the proposals with equal guarantees. You are thus assured of making the best choice since you benefit from offers with the best quality/price ratio on the market. Moreover, by relying on the other proposals, you have an interesting bargaining power which allows you to obtain price advantages or in terms of additional guarantees which are far from negligible!

If you do not know how to assess the amount of death capital you need, here is an indication of the average rates to count for the death of a dog or a cat.

  • A collective cremation is a less expensive act, since it is billed between 50 euros and 110 euros, but it does not allow you to recover the ashes of your little companion, because several animals are cremated at the same time.
  • An individual cremation is charged between 75 euros and 200 euros on average, depending on the size of the animal. Other costs may be added, such as the cost of transporting the animal to the crematorium of around 100 euros to 150 euros and the cost of the urn, which varies between 25 euros and 180 euros depending on the materials. choose.
  • A burial in an animal cemetery is charged between 130 euros and 3,500 euros. This large price variation depends on the size of the buried animal, the location of its burial, but also multiple additional options.

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