We all see pets as part of the family. Adequate care of their health often requires quick decisions and unplanned costs. DDOR Pet insurance provides financial support through reimbursement of the costs of veterinary examinations and procedures in situations when your dog or cat needs help, so that you can calmly focus on what is your priority at such a time – their health and recovery.
Veterinary procedures, especially in emergency and unexpected situations, can be a significant financial expense. Pet insurance is a way to keep the healthcare costs of your dog or cat under control, with clearly defined coverage within the chosen package. Comprehensive healthcare for dogs and cats is a smart investment to protect your peace of mind and your budget from the high cost of veterinary services.
Following the example of our Voluntary health insurance package Zdravo da ste designed for you, we have also created a health insurance package for your pets Zdravo da su. Accordingly, this insurance has been created in accordance with the needs of dog and cat owners, to help them cope with the costs of veterinary services, and offers you numerous benefits:
Conclusion of the policy is simple: when submitting the application, it is necessary to attach the pet’s passport with relevant data. After that, you can select the desired insurance package from the three packages we offer, and the process of concluding and paying the premium is carried out according to the standard procedures of DDOR osiguranje. Each package has a clearly defined scope of cover and a total limit, and the premium is stipulated in accordance with the selected package and payment terms defined in the policy.
Note: The veterinarian carries out an examination based on a medical indication (illness or accident) and refers you to all examinations and analyses within the selected package. The owners do not choose which examinations or tests the pet receives on their own, the decision is always professional and based on the pet's actual state of health.
The process of reporting, assessing and settling claims is based on a refund model, following the example of the system Zdravo da ste.
After the examination or procedure, the owner of the pet submits the following:
Once the documentation is submitted, DDOR handles the reimbursement of expenses in accordance with the stipulated package and valid limits. At this point, your only task is to focus on your pet’s recovery and well-being, while we deal with the administrative process.
Dogs and cats that are bred for companionship and recreation, and that have been marked in accordance with the regulations on animal marking, i.e. have a microchip and a passport.
Certain dog breeds that are statistically associated with higher risk have specific exclusions. Currently, excluded breeds are defined as dangerous dogs according to the valid Rules: pit bull terrier, Staffordshire terrier and their crossbreeds.
The payment is made according to a refund model upon submission of the necessary documentation.
The age limit for concluding the policy is in accordance with the Insurance Terms and Conditions.
Limit per package is defined by the tariff and represents the maximum amount that can be paid during the period of insurance, in accordance with the stipulated package. All services in the package are carried out according to the medical indication of the vet, and the refund costs of these services reduce the available limit until it is exhausted. The payment is made within the defined limit of the package and in accordance with the Insurance Terms and Conditions.
