More About Dog Health Insurance
- Period of purchase: When a dog is between the age of 8 weeks and 5 years.
- Insurance amount: The insurance amount of Dog Health Insurance is a fixed amount which is stated on the quote, the insurance policy and the renewal receipt. The insurance amount will remain unchanged until the dog reaches the age of 7 years, after which it will decrease by 20% annually.
- Duration: Once the dog reaches the age of 10, the insurance is cancelled and will not be renewed.
- Own risk: You must pay a deductible in respect of each loss for which you are compensated under the Dog Health Insurance. Your deductible is a fixed amount plus 10% of the medical cost. You do not need to pay the fixed amount again in respect of medical costs, regardless of the number of visits to the veterinarian, until 100 days have passed since the first visit. Details of your deductible can be found on the quote, the insurance policy and the renewal receipt.
It is necessary to include a certificate from a veterinarian about the general health of the dog. The certificate must be less than 30 days old and the veterinarian must prepare the certificate on a form provided by VIS. It is not sufficient to submit a vaccination certificate or a certificate from an animal quarantine facility.
The insurance covers
- Medical cost for examination and treatment due to illness or accident.
- The cost of a caesarean section which is medically necessary, but never more than two per bitch.
- The cost of castration or sterilization that are medically necessary due to certain diseases.
- The cost of plastic surgery which is medically necessary.
- The cost of treatment of teeth that break due to an accident.
- Elbow displacia, arthrosis of the elbow, hip displacia, arthrosis of the hip, osteochondrosis, provided that the dog has a registered pedigree with the Icelandic Kennel Club and has been insured with us for at least four months.
The insurance does not cover
- The cost of physiotherapy and rehabilitation.
- Costs due to pre-existing diseases or accidents that occurred before the insurance took effect.
- The cost of preventive procedures and regular examinations.
- Costs due to mental illness, behavioural disorders or temperament problems.
- Costs due to a surcharge on medical expenses if the assistance of a veterinarian is requested outside daytime working hours unless there is an urgent need.
- The cost of MRI and CT scans.
- Costs due to gum disease, dental care, dental repairs or dental defects.
- The cost of an examination related to pregnancy or birth.
- Costs due to prescriptions, invoices, certificates or medical records.
- Costs due to fodder, supplements and health- and hygiene products.
- Cost due to travel and transportation for treatment and inspection.
Please note that the above list is not exhaustive. Further information can be found in the insurance terms.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.
Insurance Terms
The insurance terms is your contract with VIS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance.