How much does it cost to have a pet per year? Would a PET health plan help save money? Look

Having a pet represents, in addition to the joy and responsibility of taking care of a living being, a significant financial commitment, taking into account food and veterinarians, which can be partially diluted in hiring a PET health plan.

Data from Petloveconglomerate of companies focused on the PET market, sent exclusively to the Infomoney They point out that 55% of Brazilians spend up to R $ 300 per month with their pets, or R $ 3,600 per year. Within this group, 23% invest up to R $ 100 (up to R $ 1,200 annually), while 32% spend between R $ 100 and R $ 300 (R $ 1,200 to R $ 3,600 per)

For 20% of tutors, monthly costs are between R $ 300 and R $ 500 (R $ 3,600 to R $ 6,000 annually), and 11% disburse between R $ 500 and R $ 800 (R $ 6,000 to R $ 9,600 per year). There are also 4% that spend between $ 800 and $ 1,000 ($ 9,600 to $ 12,000 per year), and 10% who invest more than $ 1,000 per month (over $ 12,000 per year).

Feed spending are an important part of the budget: 26% of tutors spend up to $ 50, another 26% between $ 50 and $ 100, and 38% invest between $ 100 and $ 300. Small installments disburse even higher than $ 500.

Veterinary examinations and attendances also weigh in their pockets. For 67% of tutors, exams cost up to $ 50, while 14% pay between $ 100 and $ 300. Veterinary service is valued at costs of up to $ 50 to 53% of tutors, and between $ 100 and $ 300 to 26%.

And although 52% of tutors consider spending on high or high pets, 73% would like to invest even more in the care of their animals.

The relationship between income and access to veterinary services is also evident: people with income of up to two minimum wages make less use of the private veterinary service – 43% of the group claimed to go through this situation.

The survey also shows that 50% of tutors have failed to perform a procedure for lack of money, with 64% of them undergoing this situation more than once.

Having a PET health plan helps save money?

The Paulistana Patricia Souza, a tutor of Alice, a 4 -year -old Golden Retriever, has already had some scares with the dog, who even swallowed a sock and had to undergo an endoscopy in a high standard veterinary hospital from the south of São Paulo for the removal of the stomach object. The amount of the consultation on duty, abdominal ultrasound and the procedure, which included inhalation anesthesia, would total R $ 3,167 if paid in particular.

In the Petlove Full Plan Co -participant table, which costs R $ 414.90 per month, R $ 50 is charged for consultation, R $ 80 for ultrasound, R $ 150 for inhalation anesthesia and R $ 250 for endoscopy. That month, the tutor’s costs totaled R $ 944.90, about 70% cheaper than the hospital’s total account.

Still, it is necessary to evaluate the profile of your pet and your needs when hiring a plan, since the monthly payment is mandatory, regardless of use. In the case of the full plan offered by Petlove, the mandatory annual expense amounts to R $ 4,978.80, not counting participation.

In the essential level, one below the complete, the monthly fee comes for $ 204.90. The difference from this to the top of the line is the coverage – the high standard veterinary hospital mentioned above is not part of the covered network in this case – and the annual limit of each procedure. In the case of endoscopy, the boundary of the essential plan is once a year and the full plan four times a year.

Vaccination

Even considering the co -participation, having a plan that covers the full vaccination calendar of PET can represent an economy if considered to the veterinarian.

Consider the regular vaccination of a dog and the prices of vaccine application in a veterinary clinic in the neighborhood of Mooca, in São Paulo, whose values ​​charged for rabies, V10 and flu vaccines is $ 75, $ 120 and $ 120, respectively. Private vaccination in this clinic comes out for $ 315.

A tutor who pays the quiet plan of Petlove, whose monthly fee for R $ 39.90 (R $ 478.80 per year), archaria with co -participation of R $ 25 reais per vaccine (R $ 75 in total).

In the year, health plan spending on vaccination co -participation would total R $ 553. Although the amount is exceeding R $ 315 of private vaccination, the difference can be compensated with the use of three annual consultations.

Imagine that the pet needs to pass the veterinarian three times in a year, with appointments from R $ 140, considered reasonable for a veterinary consultation outside the night shift in Sao Paulo. The tutor of the example archaria with R $ 30 reais of co -participation in each consultation, R $ 90 reais in total, compared to the R $ 420 reais of the individual.

Adding everything, for the application of three vaccines and going to three veterinary consultations in the year, would be spent R $ 735 in particular and R $ 643.80 using the peaceful Petlove plan.

The simulations show that, as well as hiring a health plan for people, to choose an advantageous PET Plan and get a real economy, it is necessary to take into account the profile of PET (whether it is agitated and crosses or not), your needs (age and health conditions), the desire of the tutor to take it in clinics, hospitals and laboratories of high standard or not, and once the plan is necessary to use the plan.