Frequently asked questions

Yes, within Switzerland you have free choice of veterinarian. You can also freely choose your veterinarian abroad in areas close to the border, as long as the vet is not more than 75 km away from your place of residence.

No. Compared to other providers, your insurance premium will not increase with the age of your pet. However, we do ask owners of dogs and cats over the age of 10 to cover 20% of the cost of all veterinary visits.

As with human accident- & health insuracne, you pay an annual franchise for your pet. You decide how high your annual franchise is (CHF 0; 300; 500; 1000). As soon as the franchise is used up, we will cover the costs, up to 80% or 100% depending on what you chose when you bought the policy.

Deductible: As with human health insurance, you also pay an annual deductible for your pet. You decide yourself how high your deductible rate is. Deductible: For the additional service pre-existing condition, there is a deductible of CHF 300.00, i.e. you pay the first CHF 300.00 yourself. Cost coverage: After you have paid your annual deductible, Calingo covers 100% or 80% of the treatment costs. You decide how much Calingo will cover.

At Calingo we believe that every animal deserves a healthy and happy life. That is why we offer protection for all breeds from the age of 2 months (8 weeks) with no upper age limit. 

Yes, you can insure as many pets as you like. Please take out one policy per pet. We are working hard on a insurance where you can include more than one pet.

No. With Calingo PET, you can only insure your furry friend for accident and illness, in order to offer him/her the best possible protection.

You can pay your premiums monthly or once a year. If you pay monthly, you can set up a standing order with your financial institution with the first payment slip. We will not charge you any additional fees for monthly payments. Payment by credit card, Twint or E-Bill is not possible at the moment.

We send all documents digitally via email to protect the environment.In exceptional cases, we can provide postal delivery for a fee.

No, your pet insurance will not be cancelled if your pet falls ill. That is exactly what we are here to do – protect your pet. However, your insurance can be cancelled if you have neglected your duties as a pet owner or if there has been fraud.

We recommend that you take your pet for a veterinary check-up (including dental check-up) at least every 12 months and implement the vaccination recommendations of the veterinarian. You are responsible for the health and welfare of your pet and must comply with the Swiss Animal Welfare Act at all times.
Nevertheless, if your pet becomes ill or has an accident, you must ensure that a veterinarian examines your pet immediately. Treatment recommendations must be followed.

Sure, just contact us via email service@calingo.ch or by phone 0800 00 57 90 and we will make the desired change. You can change between the different packages as often as you like. Please note, however, that once your pet is 10 years old, the CHF 0 deductible is no longer available.

Good decision, we are already looking forward to you :) Before you take out a policy with us, make sure you get out of your current contract. You can always leave your insurance after a claim. The other option is to submit a written cancellation at least 3 months before the renewal of the policy.At Calingo, by the way, you can always cancel when you want. We don't want to force you to stay with us if you are not happy with us. 

Costs for preventive treatments such as vaccinations, parasite prevention, castration and health checks are covered. The annual health checks at the veterinarian are obligatory at Calingo and are reimbursed in the regular (CHF 150 p.a.) and complete (CHF 200 p.a.) package.

 Yes, expenses for physiotherapy (e.g. after surgery), naturopathy, osteopathy, hydrotherapy are covered as long as prescribed by your vet. However, preventive complementary treatments are not covered.

We define pre-existing conditions as conditions that were known in the last 24 months before the start of the contract and cause follow-up costs (e.g. operations or regular vet visits), as well as chronic diseases (e.g. allergies, arthritis, heart problems). Minor treatments such as a healed ear infection or one-time diarrhea, on the other hand, are not considered as pre-existing conditions. Pre-existing conditions that occurred more than 24 months prior to the insurance start date are classified as new conditions. Therefore, such cases are covered by our base coverage. If you are unsure whether your pet needs this additional coverage, please contact us by phone or e-mail.

Yes. Calingo also insures pre-existing conditions of your beloved furry friend. To do this, you must select the additional coverage "pre-existing conditions" when purchasing the insurance.  

Yes. Calingo insures hereditary diseases of your furry friend as standard in the basse coverage. You don’t need to purchase additional coverage.  

After a certain age, we no longer offer you the additional coverage of pre-existing condition, as you would pay more for it than you could benefit from it.

As long as it is prescribed by your vet, Calingo will cover the cost.

We will cover the cost of stem cell treatment, gene therapy, transplant surgery with pre- and post-transplant care, and prostheses if your vet recommends it and all other options have been exhausted.We do not cover the cost of any other advanced treatments.

Please call your local veterinarian, they will indicate the emergency service outside the regular opening hours. Of course Calingo will also cover the additional costs in case of an emergency.

At Calingo, the well-being of our beloved dogs and cats always comes first. For this reason, we do not cover the costs of:
- treatments that are not recommended/prescribed by a veterinarian.
- operations that are only for cosmetic purposes.
- diseases that are the result of extreme breeding for one trait (e.g. short-headedness / brachycephaly in French Bulldogs). 

 You can insure all breeds with us. For certain breeds of dogs and cats we exclude conditions if they are the result of extreme breeding for purely external characteristics. Most of these characteristics can be "freiteted" by genetic tests or a certificate of the veterinarian. By listing these conditions we would like to create transparency on the one hand and on the other hand create the incentive to have a dog and cat population in Switzerland that is as healthy as possible.

There are several pet insurance providers in Switzerland. How our services compare to Animalia, Wau-Miau, Mobiliar or Epona can be found here.
We at Calingo are pet lovers and understand exactly how close the bond between humans and animals can be. Dogs and cats are part of the family and accompany us through all stages of life.Unfortunately, our balls of wool are not immune to illness and accidents, even if we as pet owners:inside of course would do anything for it.Should your fur nose fall ill or have an accident, we are there with empathy, heart and mind for you and your faithful companion.

Pet parents, furry lovers and insurance professionals. Check us out on Instagram here or on our website, you'll see our team there.

The best way to report your vet visit is directly online under "Report damage". Have all the necessary information about your vet visit ready (date of vet visit, location, invoice, diagnosis, etc.).

We will usually process a fully submitted vet visit in 5 business days. If it takes longer, we will always let you know why.

Yes, in the case of illnesses there is a waiting period of 30 days from the start of the contract. In the case of chronic pre-existing conditions, this waiting period is 90 days. Accidents, emergencies and preventive measures have no waiting periods and are covered from the start of the contract.

Unfortunately, we are not there yet. But we are working on this solution. At the moment you can submit the invoice under "Report damage", we will process the damage within 5 days.