Why dog insurance?
Dog insurance protects you against unexpected financial burdens if your four-legged friend becomes sick or requires other medical attention. Although dog insurance is usually a sensible choice, only about 4% to 10% of owners in Switzerland have insurance protection.
Dog insurance offers
* Mixed breed. We accept no responsibility for the accuracy of this information.
Good to know
- Simpego dog health insurance can be taken out at any time. Simpego insures pets without any age restrictions. Only pets under 8 weeks of age cannot be insured.
- The insurer will pay the costs incurred in the event of illness or accident.
- Liability insurance for your dog is mandatory is most Swiss cantons.
Costs in case of illness and accident
According to statistics, every year 1 out of 10 dogs in Switzerland has an illness or accident that requires treatment. Depending on the treatment, veterinary costs average between CHF 500 and CHF 2000. Operations for tumors, ruptured cruciate ligaments or gastric torsion are particularly expensive. Even an inexpensive dog insurance pays off.
Dog health insurance
Veterinary bills can quickly amount to four figures. A dog health insurer will pay the medical expenses for your dog in the event of illness. The benefits depend on the respective insurance provider. Insured benefits normally include:
- Veterinary examinations
- Medication
- Operations/surgical procedures
- Various X-ray studies
- Physiotherapy
- Euthanasia
- Hospital stays and in-patient treatments
Dog accident insurance
With accident insurance, the insurer will pay the costs associated with the accident. In many cases, the chosen sum insured is decisive. Benefits usually vary from insurer to insurer. Other benefits include:
- Emergency transport
- Emergency care in the event of poisoning
- Cover in the event of accidents at home and outdoors
Liability insurance for dogs
In certain cantons, liability insurance is mandatory for your dog. The dog is correspondingly insured as part of your personal liability insurance. As dog owner, you are personally liable without limitation for damages caused by your dog. Without corresponding liability insurance, it can get very expensive if third parties are injured.
FAQ
A waiting period is an exclusion period. When taking out dog health insurance, you must observe this waiting period as a pet owner. At Simpego, a 30-day waiting period applies from the start of the insurance for cases of illness, hereditary diseases and congenital defects. During this period, Simpego does not cover any costs. For accidents and preventive treatments (such as vaccinations), no waiting period applies.
Vaccinations are covered by Simpego’s dog health insurance because they are part of preventive treatments.
This depends on the insurance provisions of the respective dog insurer. As a general rule, you should choose a dog insurance product that allows you to freely choose a veterinarian.
Simpego dog health insurance can be taken out at any time. However, an early policy start is recommended: the older your dog is, the more likely pre-existing conditions are present. These can be covered via an additional rider, but they increase the premium.