Insurance for Dogs

Is it cheaper to keep a dog or a cat? – Health Insurance

Carmen Aniorte



Have a dog or cat carries many responsibilities. It is not something to be taken lightly since it is a living being that needs care and that you have to see the pros and cons, because it is not a whim. Unfortunately, kennels and shelters are full of animals abandoned to their cruel destiny because their masters did not think about it properly. Starting from the fact that before buying it is always better to adopt, it is also necessary to see at the time of the final decision what it suits us and not only economically; but also by our way of being and the time we can devote.

Remember that a dog or a cat is not a piece of furniture that we can abandon When we don’t want it anymore. You have to be responsible and consistent. Dogs are traditionally identified as those faithful friends who wait for us anxiously behind the door and who sit next to us – most of the time it seems that even with their eyes they speak and understand us; while if what you are looking for it’s independence it seems that the cat is the best option. The aforementioned may be part of the legend since there are dogs with cat temperament and cats with canine fidelity. Regardless of what our preferences are, the expenses that supposed to have any pet They will be our responsibility and this is also a variable to consider when deciding on a cat or dog. A few days ago and coinciding with World Animal Day,, the well-known insurance comparator has presented a study in which estimate what the differences in cost are that we will have to assume according to our option.

What are the main annual expenses?

Feeding: the mininos, in general, they need less food, which reduces our spending on food by about 15 euros per month with respect your friends the dogs. A year, this makes a difference of 180 euros in favor of felines.

Veterinarian: in this case, too we will pay less for a cat, since they usually do not go out and usually get rid of diseases that are usually spread between pets or by external contact. Therefore, by making fewer visits and also – depending on vaccines and deworming – paying a cost approximately half for them, a difference of about 70 euros annulled can be estimated.

Emergencies: In the case of emergencies or unforeseen events when our pet suffer an accident or get a serious illness, it is important to be insured to avoid additional costs. Insurance for dogs and cats are very similar, although – according to this report – there is a small difference of about 10 euros per year, this time in favor of dogs.

Vaccines: Dogs being more sociable than cats, this will be an expense in which the investment will be greater for them.

Sterilization: It is not mandatory, but recommended for both pets. The reason? Unwanted litters are avoided and even, in the case of dogs, certain types of tumors. For the latter it is at least twice as expensive, so the difference will be, on average, about 130 euros.

Microchip: In the case of cats, the use of the microchip is not mandatory in the same way as it is in dogs, although little by little the law is being extended. In communities where it is mandatory, it should be placed in kittens 3 months and older.

Hygiene: Cats are very clean animals. They take care of their personal hygiene themselves. While dogs need us to be bathed periodically. In any case, in terms of expenses, the investment will be greater to provide the felines with the necessary utensils than to buy shampoos and soaps, so, in addition to saving the initial cost of 20 euros, we will spend 25 euros less a year in the case of deciding on a dog.

Deworming: This treatment is as recommended for dogs as for cats. In the case of the former it may be up to 8 euros more expensive, but the difference is minimal.

Antiparasitic collar: very necessary for both dogs and cats. In dogs, in addition, you have to get a leash for your trips to the street, so the initial cost will be increased by about 20 euros. The antiparasitic collars can be found in the market between 17.94 euros and 22.99 euros (Seresto, Scalibor) depending on the size.

Security: Cats at home are more adventurous. To remain calm and not to have our cat any danger at home, veterinarians recommend getting a trapdoor – popularly known as catheter – if we live in a house with access to the garden. In the case of a flat with a balcony, it is advisable to invest in a safety net (remember the parachutist cat syndrome). These « extras » can be obtained for a total of 30 euros, something that with a dog is not necessary.

Crockery: Feeders and drinking fountains exist of many qualities and systems. If what you are looking for is comfort and the basics, in the large stores and pet stores (Kiwoko, Tiendanimal … etc) you can find them from 8 euros regardless of dogs or cats.

Bed: those of dogs tend to be larger, so the necessary investment will be somewhat greater, around 15 euros more. However, it is quite likely that they end up using it more than cats, who sometimes like to decide where they want to sleep themselves no matter what we offer them.

Transport: both to go on a trip and to go to the vet, it will be necessary to get a « carrier ». The smallest (for cats, generally) cost around 10 euros, while the large ones are estimated to be about 40 euros. It will depend on the size of the dog, which you can do since there is no difference, up to a difference of about 30 euros.

Insurance: Pet insurance has different prices that vary according to the breed, age and health status of the animal, as well as the type of coverage sought. Rates include basic Civil Liability coverage, to which extensions by Accident and Veterinarian can be added. Prices start at about 30 euros per year, and can reach up to 350 euros in the most complete. In this case, there is almost no difference between dogs and cats. However, it is important to note that it is possible to insure our pets with household policies and with family civil liability insurance. And, in these cases, you will have to specify exactly your coverage.