Cat sitting on lap of a woman

Cat insurance

Even your superheroes with seven lives need medical assistance. 

Why do I need a cat 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 cat insurance puts an end to this. We offer your furry friend 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 a
insurance.

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

The premium does not get more expensive with the increasing age of your 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 cat insurance to your needs with just a few clicks.

Basic protection
Standard protection
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 cat

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

Mia

Breed:

Mixed breed cat

Gender:

Female

Age:

2 months

Franchise:

CHF 300

Basic protection

CHF 19.70 per month

Standard protection

CHF 30.80 per month

Complete protection

CHF 35.40 per month

Lilly

Breed:

British Shorth.

Gender:

Female

Age:

4 years

Franchise:

CHF 300

Basic protection

CHF 20.80 per month

Standard protection

CHF 32.80 per month

Complete protection

CHF 37.70 per month

Felix

Breed:

Maine Coon

Gender:

Male

Age:

8 years

Franchise:

CHF 300

Basic protection

CHF 30.60 per month

Standard protection

CHF 48.00 per month

Complete protection

CHF 55.00 per month

Questions we are often asked

Is your question not included? Do not hesitate to contact us

How does cat insurance work?
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Unfortunately, it happens with our cats that we receive bad news about the state of health, which can be very stressful. The good news is, that today there are many more medical options to help your cat. A medical insurance for your cat will help you, without financial stress, to provide your cat with the best possible medical care.

How to proceed:
1. Your cat is not feeling well and he/she needs medical treatment.
2. You take your cat 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 pet. To do so, you must choose
the additional coverage "pre-existing conditions" when purchasing the insurance.
Calingo does not distinguish between hereditary diseases and normal conditions. We
only distinguish between an emerging 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 cat 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 visit to the vet, except for additional coverage for pre-existing conditions. As with us humans, you pay an annual deductible for your cat. You decide yourself how high your annual deductible is (CHF 0; 150; 300; 500; 1'000).

As my cat ages, is 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 become more expensive
with the age of your cat. Of course, it is more expensive for an insurer to insure an older cat
than a younger one. The reason for this is that cats need to go to the vet more often as they get older. Therefore, we ask owners of cats over 10 years of age 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 provided by a veterinarian or a recognized specialist.

Up to what age can I insure my cat 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.

As a cat mom, I am very pleased to have found a competent and caring insurance company that delivers what it promises in the event of a claim. You won't find this service with any of their competitors.

Simona & Törteli

Wohlen

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Cat insurance in comparison

For the table below, we have selected the best possible product variant from various cat insurance providers.

Calingo
Animalia
Wau-Miau
Mobiliar
Max. annual sum insured
CHF 12'000
unlimited
unlimited
CHF 5'000
(per claim)
Franchise
CHF 0
CHF 300
CHF 250
CHF 200
(per claim)
Cost coverage basic package
100%
90%
90%
100%
Constant premium
Insurance conclusion without age restriction
Monthly right of cancellation
Pre-existing conditions
Dental treatment accident & illness
CHF 12'000
Accident only
CHF 300
CHF 5'000
Complementary treatments
CHF 2'500
CHF 600
CHF 800
CHF 1'200
Prescription food
33% up to max. CHF 350
CHF 100
CHF 300
Behavioral medicine treatments
CHF 12'000
CHF 600

Last settlement on August 3, 2024

Become part of our team

We are constantly looking for motivated employees who feel comfortable in a young and dynamic team.

Cat insurance as unique as your furry nose

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