Preventive care and treatments
Specialized veterinary services
Veterinary assistance
Veterinary identification
Veterinary diagnostics
Surgical services
INSURANCE FOR PETS
Learn more about european pet insurance to make the right decision, better understand the insurance system, and how it works in general.
Pet insurance
ANIMAL HEALTH INSURANCE: WHY IS IT IMPORTANT?
Pet medical insurance can have a significant impact on your pet's quality of life while giving you peace of mind. Below is a comparison of two situations: insured vs. uninsured.
(Deductible)
-300 CHF
3 000 CHF
570 CHF
2 430 CHF
2 700 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
See how insurance helped Luna
Luna, a 5-year-old Border Collie, needed regular check-ups. The insurance helped ease the financial burden.
(Deductible)
-300 CHF
2 500 CHF
520 CHF
1 980 CHF
2 200 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Max, a 7-year-old Husky, developed age-related health issues. The insurance covered the medical costs.
See how insurance helped Max
(Deductible)
-300 CHF
5 000 CHF
770 CHF
4 230 CHF
4 700 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Rocky, a 6-year-old Bulldog, had to follow long-term treatment for a chronic illness. The insurance helped cover the ongoing costs.
See how insurance helped Rocky
(Deductible)
-500 CHF
4 000 CHF
850 CHF
3 150 CHF
3 500 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Bella, a 4-year-old Golden Retriever, had to undergo emergency surgery after an accident. The insurance covered most of the expenses.
See how insurance helped Bella
(Deductible)
-300 CHF
2 800 CHF
250 CHF
2 250 CHF
2 500 CHF
Owner’s responsibility (10%)
Total invoice
See how insurance helped Felix
Felix, a 4-year-old Bengal, got injured after falling from a tree, requiring an X-ray and medical care.
Covered by insurance (90%)
(Deductible)
-500 CHF
5 000 CHF
450 CHF
4 050 CHF
4 500 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Luna, a 6-year-old Siamese, suffered from a severe infection requiring intensive care and hospitalization.
See how insurance helped Luna
-300 CHF
4 200 CHF
390 CHF
3 510 CHF
3 900 CHF
(Deductible)
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Oliver, un Maine Coon de 5 ans, a développé une maladie rénale nécessitant un traitement à long terme
See how insurance helped Oliver
(Deductible)
-400 CHF
3 500 CHF
310 CHF
2 790 CHF
3 100 CHF
Owner’s responsibility (10%)
Total invoice
Covered by insurance (90%)
Mia, a 3-year-old British Shorthair, had to undergo surgery after swallowing a dangerous object.
See how insurance helped Mia
HOW TO MAKE A PROPER COMPARISON OF PET INSURANCE? PRINCIPLES FOR CHOOSING THE OPTIMAL PLAN
To choose the right pet insurance, it is necessary to familiarize yourself with several important terms and concepts that are essential for making a final decision.
ONCE YOUR EXPENSES EXCEED THE DEDUCTIBLE, INSURANCE STARTS WORKING FOR YOU
INSURANCE DEDUCTIBLE
This is the initial amount you pay yourself for the treatment of your pet until the chosen amount is reached.
You pay a lower amount out of pocket, but the monthly insurance premium will be higher
LOW DEDUCTIBLE
You cover a larger share of costs initially, but the monthly premium will be lower
HIGH DEDUCTIBLE
Your pet rarely gets sick
You want to save on regular insurance payments
You want to save on regular insurance payments
You anticipate frequent veterinary visits
You don’t want to risk high treatment costs
You don’t want to risk high treatment costs
Insurance for dogs and cats
By understanding the basics and specifics of pet insurance, you can choose the optimal option for your dog or cat.
FREQUENTLY ASKED QUESTIONS
Pet insurance is a policy that covers veterinary expenses for your pet in case of illness or accident. It helps owners ensure necessary medical care so that animals do not suffer from a significant financial burden.
You pay regular insurance premiums, and if your pet needs medical care, the insurance company covers a certain portion of the costs, except for the deductible (your personal contribution). Coverage and conditions depend on the chosen contract.
Calingo offers insurance coverage for pre-existing conditions. This means that even if your pet has already been diagnosed with certain medical conditions, they may still be included in the insurance coverage.
The cost of insurance depends on the pet’s age, breed, health condition, and the chosen coverage plan.
Some insurance companies, like Calingo, offer coverage for preventive procedures, including sterilization and neutering, depending on the selected plan.
Pet insurance helps avoid unexpected high veterinary costs. It is especially recommended for breeds prone to certain illnesses or for owners who want maximum protection for their pets.
In Switzerland, pet insurance services are offered by Trupanion, Animalia, and Calingo.
The reimbursement amount depends on the policy conditions, the selected plan, and the deductible amount.
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