How Are the Results of the Pet Insurance Comparison Calculated?

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The calculations are based on complex algorithms by and the following assumptions:

Calculations are based on complex algorithms which are specific to individual issuers. The following rules apply to all calculations:

  • The guarantee of editorial independence applies.
  • Pet insurance profiles are defined here.
  • automatically calculates the optimal deductible and coverage type based on anticipated veterinary expenses (including medicines, operations, consultations and treatments).
  • The comparison shows the savings potential offered by each policy over the selected insurance term. Potential savings are made up of the difference between anticipated veterinary expenses and the total cost of a policy.
  • The total cost of insurance is made up of the following: costs of premiums, costs of deductibles, costs of coinsurance and possible costs which exceed the sum insured.
  • Premiums shown include the 5 percent stamp duty.
  • The premiums of certain insurance policies vary depending on the animal’s age. As your pet ages, the premiums of these policies go up. These age-based premium tiers are accounted for in the comparison.
  • The pet owner must pay all veterinary expenses which fall below the deductible. These costs are automatically accounted for in the calculator.
  • Some insurers expect pet owners to cover part of veterinary costs in excess of the deductible by way of coinsurance payments (20 percent of costs, for example). Where coinsurance applies, it is automatically accounted for in comparison results.
  • Some insurance products limit benefits to a maximum sum insured. All costs in excess of the sum insured must be covered by the pet owner. These limits are also accounted for in the comparison.
  • The comparison also indicates whether the cheapest version of a pet insurance policy makes financial sense for a pet owner (green thumbs-up symbol). If total costs minus insurance benefits are still higher than estimated veterinary expenses, it is not worth taking out the insurance policy.
  • Example: Annual veterinary costs of CHF 5,500, pet insurance policy with annual premiums of CHF 500, a deductible of CHF 200, a coinsurance of 20 percent and a sum insured of CHF 5000. Total annual cost of insurance = CHF 500 + CHF 200 + CHF 960 + CHF 500 = CHF 2160. Savings potential = CHF 5000 - CHF 2160 = CHF 2840. Insurance pays off in this case.

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