Dog insurance for your faithful companion

Unfortunately, it happens with our dogs that we receive bad news about the state of their health, which can be very stressful. The good news is that there are many more medical options available today to help your dog. Medical insurance for your dog will help you provide your dog with the best possible medical care without the financial stress.

How to proceed:
1. Your dog is not well and he/she needs medical treatment.
2. You take your dog to a veterinarian who will perform treatment.
3. You submit your paid veterinary bill to us and we will reimburse you up to 100% of your costs, depending on your chosen insurance coverage.

Yes, Calingo also covers pre-existing conditions of your beloved furry friend. To get this, you have to choose the additional coverage "pre-existing conditions" when buying the insurance. Calingo does not differentiate between hereditary diseases and normal conditions. We only distinguish between a newly developing condition and a pre-existing condition. But what exactly is a pre-existing condition?

We define a pre-existing condition as any medical condition that your dog has been diagnosed with or received treatment for in the last 24 months. If the condition was last treated/diagnosed more than 24 months ago, we will consider it a new condition. 

You do not pay a deductible per veterinary visit, except for the additional coverage of pre-existing conditions. As with us humans, you pay an annual deductible for your dog. You decide yourself how high your annual deductible is (CHF 0; 300; 500; 1'000; 2'000).

No. Compared to other providers, your premium will not increase with the age of your dog. Of course, it is more expensive for an insurer to insure an older dog than a young dog. The reason for this is that dogs need to go to the vet more often as they get older. That is why we ask owners:inside of dogs over the age of 10 to cover 20% of the cost of all vet:visits.

We here at Calingo put your pet’s wellbeing as a priority. It’s for that reason that we cannot provide insurance benefits i.e., in the following cases:

- Treatments not recommended/prescribed by:a:veterinarian.

- Operations that are for cosmetic purposes only.

- Treatments and operations that were not recommended and performed by a veterinarian or a recognized specialist. 

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 8 weeks with no age limit.