Premium calculation · Health
Pet insurance
In our own estimate, the basic example costs from €74 to €81, depending on the company. From there, 2 tables with 6 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 4 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Animal
- Dog
- Age of animal (years)
- 3
- The reference tier
- Accident and illness
- €74 - €81
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| AccidentPays the vet after an accident. | €44Interlife Ασφαλιστική | €48Eurolife FFH | +9%4 companies |
| Accident and illnessPays for illness as well. · the reference tier | €74Interlife Ασφαλιστική | €81Eurolife FFH | +9%4 companies |
| FullAdds hospital care, theft and loss. | €96Interlife Ασφαλιστική | €105Eurolife FFH | +9%4 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.92 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Interlife Ασφαλιστική | Eurolife FFH |
|---|---|---|
| dog | × 1.00 | × 1.00 |
| cat | × 0.93 | × 0.92 |
From × 0.97 to × 1.35 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Interlife Ασφαλιστική | Eurolife FFH |
|---|---|---|
| up to 1 year | × 0.97 | × 0.97 |
| 2 - 5 years | × 1.00 | × 1.00 |
| 6 - 8 years | × 1.12 | × 1.14 |
| 9 years and over | × 1.30 | × 1.35 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Damage your pet does to othersThe bite and the damage the animal does to others. You pay for it, by law, whatever the other party did. Included in the two larger programmes. | Pays for illness as well.Adds hospital care, theft and loss. | €12Ατλαντική Ένωση | €13Eurolife FFH | +8%4 companies |
| Boarding if you are hospitalisedKennel or cattery costs for as long as you are in hospital. The cover nobody asks for and everybody needs once. | - | €15Ατλαντική Ένωση | €16Eurolife FFH | +7%4 companies |
| Death of the petA sum if the animal dies from an accident or an illness. | Adds hospital care, theft and loss. | €9Ατλαντική Ένωση | €10Eurolife FFH | +11%4 companies |
| Travel abroadThe vet in the country you travel to, and the cost of the journey home if the animal falls ill there. | - | €10Ατλαντική Ένωση | €11Eurolife FFH | +10%4 companies |
Minimum premium: from €31 to €33 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 8% to 8% more, and in four quarters 16% to 16%, by company.