Swiss Pet Insurance Comparison 2024

The pet insurance comparison on moneyland.ch is the most comprehensive comparison of cat, dog, and horse medical insurance in Switzerland. It includes all insurance models offered by each Swiss pet insurance provider. The moneyland.ch comparison is the only comparison which helps you find the best insurance model for your estimated future veterinary expenses.

You can easily find the right veterinary insurance for your cat using the moneyland.ch pet insurance comparison. Just specify your cat’s age and the insurance coverage you need.

Many cat insurance offers come in several insurance models, each with its own deductible and sum insured. You can choose to have the comparison show you the best model for your estimated veterinary expenses.

You can easily filter cat insurance offers based on the coverages you want on the comparison results page.

You can find more information in the guide to getting cat insurance in Switzerland.

You can easily find the right dog insurance using the moneyland.ch pet insurance comparison. Just specify your dog’s age and the insurance coverage you want. Note that insurers may offer separate insurance for illness and accidents. We recommend that you search for offers which cover both illness and accidents.

Many insurers offer several different dog insurance models, each with different deductibles and insurance limits. You can choose to have the comparison show just the optimal offer from each insurance provider, based on your estimated veterinary expenses.

You can also filter dog insurance offers based on multiple criteria using the filters available on the results page.

You can find useful tips in the guide to getting dog insurance in Switzerland.

Many pet insurance offers have relatively high premium in relation to the coverage they provide. Not all pet insurances for cats and dogs are worth getting. That is why comparing offers using an unbiased comparison is important.

The moneyland.ch comparison also lets you compare only the optimal versions of each pet insurance offer. The cost breakdowns on the results page automatically show you whether or not the best available offer for your anticipated veterinary expenses is worth getting.

Yes. A stamp duty equal to 5% of total premiums is charged on top of premiums. The cost of stamp duties is accounted for in the comparison.

In addition to the insurance premiums you pay, there are also other costs which may apply. These are all accounted for in the moneyland.ch comparison. These are the main costs which may apply to pet insurance: 

• Insurance premiums.
• Stamp duties equal to 5% of insurance premiums.
• Coinsurance: Many pet insurances require you to cover a percentage of each covered expense yourself. For example, you may have to cover 10% of all veterinarian bills yourself.
• Deductible: Many pet insurance policies also have fixed annual deductibles. The deductible is the portion of expenses which you must pay in a given year. The insurance only covers expenses in excess of the deductible. For example, pet insurance offers may have annual deductibles of 100, 250, 300 or 1000 francs.
• One-time fee: Many pet insurance providers charged a one-time fee when you take out pet insurance. For example, you may a one-off administrative fee of 10 francs when you first get an insurance.

Sum insured: Many pet insurance offers have limits on the maximum coverage they provide. You have to cover costs in excess of the sum insured out of your own pocket. For example, a pet insurance policy may cover up to 1000, 5000, or 50,000 francs. If your veterinary expenses exceed that limit, you have to cover the difference.

Pet insurance offers with low limits on coverage and high deductibles often have the lowest premiums. But the downside is that you have to cover the bulk of costs yourself, while the insurance covers relatively little.

In many cases, paying higher premiums in exchange for more coverage is a better financial move.

All important information with regards to premiums, coverage, coinsurance and deductibles is clearly shown in the moneyland.ch comparison.

Insurance providers differentiate between accident insurance (accidents only) and combined health and accident insurance. In many cases, only getting accident insurance is not worth it, because illnesses are more likely to generate high veterinary expenses. You can compare both types of pet insurance in the comparison.

Some pet insurers use constant insurance premiums which remain the same throughout the pet’s life. But there are also pet insurance providers which raise insurance premiums as your pet ages. You can find all insurance premiums clearly broken down on the information pages of each offer.

Typically, your cat or dog has to be at least three months old when you apply for pet insurance. Some insurers also have limits on how old your pet can be when you apply. 

Migrating to a different pet insurance is not difficult. Just use the pet insurance comparison to see if there are any offers which you qualify for, and whether they are better than your current insurance. You can request free insurance quotes right from the comparison. Make sure not to give notice on your current insurance until your application is accepted by your new insurer, and make sure to give notice on time.

Typically, pet insurance does not include travel insurance for pets by default. However, you can often add this coverage in exchange for a markup on your premium.

Some pet insurance offers include travel medical insurance in their basic insurance premiums. Just note that the travel medical insurance offered by pet insurance providers is not general travel insurance and only covers some hazards (like serious illness, accidents or death of your pet).

You can filter pet insurance offers by the travel insurance coverage provided in the pet insurance comparison.

There are many treatments which Swiss pet insurance providers only partially cover, or do not cover at all. Always take time to read the fine print before you take out pet insurance. You can also use the filters in the moneyland.ch pet insurance comparison to find pet insurance which includes the coverage you want. You can find detailed information about pet insurance offers on the information pages corresponding to each offer.

Treatments for which coverage may be limited or even excluded include:

• Physiotherapy
• Osteopathy
• Inoculations
• Homeopathy
• Alternative medicine
• Traditional Chinese medicine
• Acupuncture
• Behavioral therapy
• Dental plaque removal
• Sterilization
• Euthanasia
• Emergency medical transportation
• Cremation
• Castration
• Hereditary illnesses

Standard pet insurance from Swiss insurers generally does not include life insurance. Breed-specific illnesses and in many cases also cancer, tumors and hereditary illnesses are also excluded. Other hazards may be excluded as per the terms and conditions of individual pet insurance offers.

Yes, pet insurance policies typically have qualification periods which begin when you take out the insurance. Only hazards which occur after the qualification periods have expired are covered by insurance. Many policies have different qualification periods for accidents, acute illness, and chronic illness. The qualification period for accidents is generally very short, or there is none at all. The qualification period for acute illnesses is often one month. The qualification period for chronic illnesses can be as long as three months, depending on the insurance offer.

Major Swiss pet insurance providers include: Epona; Animalia; ERV.