"No Excess" Dog Health Insurance: What No One Tells You
It's normal to look for "no excess" insurance. When your dog gets sick, the last thing you want is to pull out a calculator to see how much you have to pay. In Alicante, we see many clients confused by aggressive "All inclusive" or "100% Reimbursement" offers.
From Sanitas Alicante, as your expert local agency, we want to be totally transparent with you. We are going to explain the difference between excess (deductible), copayment, and reimbursement, and why our option is usually the smartest for your pocket in the long run.
What does "No Excess" really mean?
In the world of veterinary insurance, two concepts are often confused:
- Fixed Excess (Deductible): This is a fixed amount YOU pay for each claim. Example: If your insurance has a €50 excess and the visit costs €70, the insurance only pays you €20. Sanitas insurance has NO fixed excess.
- Copayment/Reimbursement Percentage: It is the part of the bill that each party assumes.
The Smart Model: 80% Reimbursement (No Fixed Excess)
At Sanitas Pet Health, we bet on a balanced model: We pay 80% and you pay 20%, regardless of whether the bill is €30 or €2,000.
Why is this better than "100% reimbursement" insurance? Because insurance policies that promise to pay 100% usually have a much higher monthly premium (fee). At the end of the year, you end up paying much more in fixed insurance costs, whether you use it or not.
With the Sanitas 80/20 model:
- You pay a tight and affordable monthly fee.
- You have total coverage (no fixed deductibles that "eat up" small visits).
- You have total freedom of choice of veterinarian.
The Advantage of Local Management in Alicante
The "fine print" of no-excess insurance is usually found in exclusions or difficulty in getting paid. It is useless if they promise you 100% if they later reject the invoice due to a technicality.
This is where Sanitas Alicante gives you security that no website can give you:
- In-Person Invoice Review: Before sending anything, if you have doubts, bring us the vet's invoice to our office. We review it with you to ensure everything is correct for reimbursement.
- Defending Your Interest: If the company puts up an unfair objection to a reimbursement, we (your agency) claim internally for you. You are not a number, you are our neighbor.
Key Coverages (Beyond Price)
Our insurance is not only economically competitive, it is medically robust:
- No limit on visits: Go to the vet as many times as you need.
- Expensive tests included: CT scans, MRIs, Ultrasounds (up to €1,000/year).
- Medications: We cover medication administered during consultation.
- Hospitalization: No limit on days.
Frequently Asked Questions about Payments and Excess
Do I have to pay the vet first?
Yes. Since it is free choice insurance (you can go to any clinic in Alicante or Spain), you pay the bill at the time and we refund 80% within a few days. It is the only way to guarantee that you can choose YOUR trusted veterinarian.
Is there a minimum expense to request reimbursement?
No. Since there is no fixed excess, you can request reimbursement even for a small consultation. If the visit is €40, we will return €32. Every euro counts.
Does the price go up a lot depending on the breed?
The price is adjusted based on the breed's claim rate, but it remains very competitive compared to the "100% flat rate" options on the market. Ask us for a quote with no obligation.
Do the Math with Us
Don't just stick with the headline "No Excess". Come see us or call us. We will do a real simulation for you: how much you would pay per month with us and what coverage you would have. You will see that the peace of mind of having Sanitas Alicante backing you is very profitable.
Contact your Expert Advisor in Alicante now.
