Man strokes dog over the head

Dog insurance for your faithful companion

Accident and health insurance for your trusty sidekick

Why do I need dog insurance?

For all of us our furry friend has a place deeply in our hearts. They are our therapists, our personal trainers, our very patient listeners and most importantly they’re part of our family. Unlike us humans, there is no mandatory health insurance to protect them when they are unwell, sick or injured.

Calingo dog insurance puts an end to this. We offer your dog the right protection and ensure that you can offer your pet the appropriate treatment by paying for the veterinary costs. 

More than a pet. More than insurance.

We shared our experience as dog parents with other dog owners and veterinarians and exchanged ideas. Together we have made dog insurance pawsome.

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No age restriction

We offer personalizable protection for any breed, without age limit

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Claims service at lightning speed

Report your claim directly online and instead use your valuable time to take care of your pawtient! We’ll keep you posted

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Here to help

We’re here for you, whenever you need us! Call or message us 365 days a year. This is our job

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Constant premium

Premium does not become more expensive with increasing age of the insured pet

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annual franchise

No costs after a visit to the vet? It’s up to you to decide on how high your annual franchise should be.

Vet examines the dog's teeth
"We’re big supporters when it comes to pet insurances. The veterinary medicine has made a lot of progress in the diagnostic and therapeutic field. If pet owners have to decide, out of financial reasons, on what medical decisions they want to pursue instead of choosing the care that lies in the best interest of their furry friend – that can be a quite the tricky situation for a pet owner. That is why we highly recommend to our clients, to make sure that their four-legged companions are properly medically insured."

Stella Bult - Head veterinarian

Veterinary practice Dalbe • Basel

Man pouring a cup of tea outdoors with his dog
We all hope that our four-legged companions will live a long and healthy life in the circle of our families. However, unforeseeable emergencies or prolonged chronic illnesses can unfortunately also occur in animals.We recommend that you take precautions so that in such cases you can claim the most optimal veterinary solution and care for your pet and yourself.A pet health insurance gives hope and can save lives!

Karin Furrer - senior veterinarian

Small animal practice Kreis 2 - Zurich

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Choose the protection that suits you

You can tailor your dog insurance to your needs with just a few clicks.

Basic protection
Standard
Complete protection
Maximum annual sum insured
CHF 3'000
CHF 6'000
CHF 12'000
Dental treatment
CHF 3'000
(accident)
CHF 6'000
(Accident & illness)
CHF 12'000
(Accident & illness)
Emergency minding
CHF 1'000
CHF 1'500
 CHF 2'000
Emergency treatment
CHF 3'000
CHF 6'000
CHF 12'000
Behavioral medicine treatment
CHF 3'000
CHF 6'000
CHF 12'000
Complementary treatments
CHF 1'000
CHF 1'500
CHF 2'500
Preventive treatment
CHF 150
CHF 200
Prescription food
25% up to max. CHF 250
33% up to max. CHF 350
Advanced treatment
CHF 12'000
Pre-existing conditions
CHF 1'500
(optional)
CHF 1'500
(optional)
CHF 1'500
(optional)
Worldwide protection
CHF 2'500
(optional)
CHF 2'500
(optional)
CHF 2'500
(optional)

Where the insurance cover doesn’t apply

Plastic surgery

Vet visits during the waiting & lockdown period

Pregnancy and infertility

Treatment that was not ordered by a veterinarian

Premium examples for the protection of your dog

The dog insurance premium remains constant with us. It does not increase with the age of your dog. 

Rocky

Breed:

Jack Russell Terrier

Gender:

Male

Age:

2 months

Franchise:

CHF 300

Basic protection

CHF 32.50 per month

Standard protection

CHF 50.20 per month

Complete protection

CHF 61.00 per month

Nala

Breed:

German Shepherd

Gender:

Female

Age:

4 years

Franchise:

CHF 300

Basic protection

CHF 53.70 per month

Standard protection

CHF 82,60 per month

Complete protection

CHF 100.50 per month

Dog puppy winks at camera

Simba

Breed:

Samll mixed breed

Gender:

Male

Age:

8 years

Franchise:

CHF 500

Basic protection

CHF 45.30 per month

Standard protection

CHF 69,50 per month

Complete protection

CHF 84.70 per month

Questions we are often asked

Is your question not listed? Do not hesitate to contact us.

How does dog insurance work?
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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.

Are pre-existing conditions covered?
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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. 

What franchise do I have to pay in each case?
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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).

As my pet ages, will my pet insurance rate going to become more expensive by the year?
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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.

What are the most important cover / risk exclusions at Calingo?
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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. 

Up to what age can I insure my dog at Calingo?
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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. 

"Knowing that with Calingo Pet I have pet insurance that I and Pua can rely on gives us peace of mind during all of our activities, adventures as well as in our daily life."

Mara & Pua

Zurich

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Dog insurance as unique as your furry nose

Happy dog