All about pet insurance


Tierversicherung

What is pet insurance?

Pet insurance covers your pet against illness and injury. Most providers offer insurance for cats and dogs. Cat insurance is available starting from 5.15 francs only, and dog insurance from 10.40 francs per month. Compared to the monthly cost of a pet, this is little money well spent. More details regarding costs are listed further below in a cost table.

Why do I need pet insurance?

Things happen so quickly. Suddenly one's pet falls ill or has an accident. Such incidents generally cause considerable unforeseen costs. Pet insurance protects you from financial straights in case something happened to your four-legged friend.

Pet insurance is worth it for any cat or dog. It only becomes difficult or even impossible for an animal to be accepted into an insurance scheme if it is older than 7 years. There are various insurance options with different deductibles. Therefore, the premiums and insurance benefits also vary from one provider to the next. Consequently, there is a suitable pet insurance product for every budget.

What costs are covered under pet insurance?

Depending on the insurance option, the percentage of treatment costs that can be claimed varies. Pet insurance partially covers the costs of vet bills, surgical interventions, drugs or alternative treatment methods, for example. Both radiological examinations and emergency transportation are covered. Please check the General Insurance Conditions of the provider under consideration to find out how much the insurance covers and exactly which benefits are included. In view of the differences among the providers, comparing pays off.



How much does a dog cost?

The table below provides a rough overview of the costs that may arise throughout a dog's life. It is very helpful if you are planning to buy a dog. It is not possible to give an average price for the purchase of a dog. A shelter dog is usually given away for free whereas a pedigree dog can easily cost up to 3000 francs, depending on the bloodline. Therefore, the purchase price is not listed in the table.

Cost item Monthly costs
in CHF
Annual costs
in CHF
Non-recurring costs
in CHF
Basic medical care / implantation of chip 220
First purchase:
lead, collar, feeding dish, grooming tools, toys, bed/basket, sheets, etc.
530*
Dog crate 500
Food 80 – 100
Obedience school Starting from 500
Dog tax Starting from 100
Vaccinations, worming, tick and flea control Starting from 430
Neutering (male dog)
Spaying (female dog)
Starting from 300
Starting from 600
Total costs 80 – 100 530 2050 – 2350

Over a dog's lifetime of roughly 13 years, the costs thus amount to between 21,420 and 24,840 francs, not including the purchase price.

* First purchases are calculated as follows: lead and collar CHF 150 (2-3x over a dog's lifetime); feeding dishes CHF 50; grooming tools CHF 30; toys CHF 100 (several times over dog's lifetime); bed, blankets, etc. CHF 200.


How much does a cat cost?

The table below provides a rough overview of the costs that may arise throughout a cat's life. It is very helpful if you are planning to buy a cat. The purchase price of a cat can vary considerably. If the kitten is from a farmer's cat, you usually do not have to pay for it whereas a pedigree cat from a breeder can easily cost up to 2000 francs. Due to these large differences, the purchase costs are not listed in the table below.

Cost item Monthly costs
in CHF
Annual costs
in CHF
Non-recurring costs
in CHF
Basic medical care / implantation of chip 180 – 280
First purchase:
collar, feeding dishes, grooming tools, cat tree / scratching post, toys, beds, transport box, litter box and scoop, etc.
Starting from 200*
Cat litter Starting from 10
Food Starting from 50
Vaccinations, worming, tick and flea control Starting from 110
Neutering (male cat)
Spaying (female cat)
100
200
Cat door / nets Starting from 40
Total costs 60 110 520 – 720

Over a cat's lifetime of roughly 15 years, the costs thus amount to between 12,970 and 13,170 francs, not including the purchase price.

* First purchases are calculated as follows: collar CHF 30 (2-3x over a cat's lifetime); feeding dishes CHF 15; grooming tools CHF 30; cat tree / scratching post CHF 20; toys CHF 15; beds CHF 30, transport box CHF 30, litter box / scoop CHF 30.


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