Pet insurance
Two very different things hide behind this name: your animal’s vet bills, and the damage it causes others. You may already have the second.
Vet costs
Cruciate ligament surgery on a medium-sized dog, or treating chronic kidney failure in a cat, runs into thousands of francs. That is what this insurance exists to absorb.
Age at signing is decisive: most insurers refuse animals beyond a certain age and permanently exclude conditions already known. Insuring a puppy costs little; insuring an eight-year-old dog is often impossible.
What your personal liability already covers
If your dog bites a passer-by or jumps on a car, your personal liability insurance pays — provided keeping animals is included, which it is in most contracts. Check before paying a second time for that cover.
Cantonal obligations
Several cantons require dog owners to hold specific liability cover, sometimes with a minimum amount, and certain breeds need authorisation. These rules differ from canton to canton: check with yours before adopting, not after.
What drives the price
- Species, breed and age at signing.
- The annual reimbursement ceiling.
- The deductible and co-payment rate.
- Whether preventive care is included.
We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.