for your pets
Pet insurance for dogs and cats
Protect yourself against high veterinary bills. And take care of your four-legged friend in case of illness or accident – and beyond.
Key benefits
Smart or Premium? Choose the right protection
Is pet insurance a good idea?
Unfortunately, our four-legged friends also sometimes get injured or sick. Accidents can happen in the blink of an eye. Every step in the recovery process costs money: x-rays, surgery, physiotherapy. Our pet insurance eases the financial burden. Choose between two categories of insurance:
-
Smart: Comprehensive cover for daily life
Our Smart pet insurance covers the costs of the most common treatments. Whether it’s illness, an accident or resulting dental problems, your pet is in good hands.
-
Premium: First-class cover that goes the extra mile
Our Premium pet insurance meets the highest demands, with additional benefits such as preventive care and state-of-the-art veterinary medicine. So your pet enjoys a long, healthy and happy life.
Is pet insurance obligatory in Switzerland?
In Switzerland, pet insurance is not obligatory in the event of an accident or illness. So it’s all the more important to take responsibility for the protection and well-being of your furry family members. Choose our pet insurance and benefit from our expertise as an established health insurance provider. We’re here to support you every step of the way – with transparent services.
What does pet insurance cover?
Comprehensive cover for daily life
Smart category of insurance |
First-class cover that goes the extra mile
Premium category of insurance | |
|---|---|---|
| Calculate premium
|
Calculate premium
| |
Total scope of benefi ts per calendar year for all benefi ts combined |
Up to CHF 10 000 |
Up to CHF 20 000.– |
Prevention: Vaccinations, flea and tick prevention, worming, castration, nail trimming, chip identifi cation |
– |
100% up to CHF 100.– |
Illness and accident (including genetic and hereditary diseases) – Free choice of vet and veterinary practice within Switzerland – Veterinary advice and treatments: Outpatient treatment, operations, inpatient stays (hospital days), emergency treatment in Switzerland – Medically indicated medicines approved in Switzerland, excluding alternative medicine preparations – Diagnostic tests and radiological examinations as part of a course of treatment (excluding genetic tests) – Euthanasia – Dental treatment in the event of illness or accident, including medication required for treatment – Medical aids: prostheses, leg braces, implants, vacuum-assisted closure (VAC), walking wheels and wheelchairs, recovery collars and medical pet shirts, consumables during medically indicated veterinary examination/treatment/surgery |
90%, up to CHF 10 000.– |
90%, up to CHF 20 000.– |
In the event of illness and accident. Germany, France, Italy, Liechtenstein, Austria, excluding overseas territories |
90%, up to CHF 2500.– |
90%, up to CHF 2500.– |
In the event of illness and accident. Only healthcare providers recognised by Sanitas. |
90%, up to CHF 1000.– |
90%, up to CHF 2000.– |
In the event of illness and accident. Only healthcare providers recognised by Sanitas. – Acupuncture, osteopathy, TCM, chiropractic treatment, phytotherapy, homoeopathy or herbal medicines – Alternative medicine preparations – Nutrition advice – Behavioural medicine |
– |
90%, up to CHF 2000.– |
After all other methods of treatment have been exhausted and subject to a prior commitment to cover costs: – Chemotherapy – Stem cell therapy – Gene therapy – Organ transplant – Radiation therapy – Tests for genetic and hereditary diseases |
– |
90%, up to CHF 10 000.– |
The amounts listed are maximum benefits and, unless specified otherwise, are valid for each calendar year, taking the total scope of benefits into account. Benefits are only granted in accordance with the general terms of insurance for pet insurance and the Sanitas lists specified in the general terms of insurance. Download the detailed overview of benefits.
Downloads
-
Product sheets
-
Terms of insurance
-
Lists
-
Commitment to cover costs
Frequently asked questions
-
Can I take out insurance even if my pet has a pre-existing health condition?
Yes, that’s generally possible. It depends primarily on the type of illness and how severely it affects your pet’s health. To make everything as transparent as possible, we ask you some health questions about your pet before the insurance policy is finalised. Based on this information, we can determine whether insurance cover is available. The good news for you: Once you’ve taken out pet insurance, you can rely on our coverage – without any restrictions.
-
Can I chose any vet?
Yes, you are free to visit any veterinary practice in Switzerland for treatment. For costs to be covered, the treatment must be performed or prescribed by an approved veterinarian.
-
Is there a waiting period for pet insurance?
Yes, there is a waiting period for pet insurance. Accidents and illnesses are covered 14 days after commencement of insurance.
-
Which breeds can be insured?
We welcome any breed. We insure purebred, mixed-breed and crossbreed cats and dogs.
-
Are hereditary diseases and breed-specific conditions covered?
Yes, our Smart and Premium pet insurance plans cover hereditary diseases and breed-specific conditions.
-
How much does pet insurance cost?
There is no one-size-fits-all answer to this question; it depends on various factors:
- Age of pet
- Breed of pet
- State of health: any pre-existing conditions?
- Choice of insurance category: Premium or Smart
- Chosen deductible
- Sex of pet
Calculate your individual premium now.
-
How much does treatment at a veterinary practice cost?
Regular veterinary expenses, such as deworming, vaccinations and general check-ups, amount to several hundred Swiss francs a year. For serious illnesses such as cancer or for bone fractures following an accident, treatment can cost several thousand Swiss francs.
-
Do veterinary treatments cost the same everywhere?
No, because veterinary rates are not regulated by the government. Each practice sets its own prices. It’s therefore worth comparing rates.
-
Are costs for chronic illnesses covered?
Yes, pet insurance covers most of the veterinary costs resulting from chronic illnesses.
-
Can I take out pet insurance later?
You can insure your pet from as early as 8 weeks of age, or later – even into old age. The sooner, the better. This way, congenital conditions and hereditary diseases are covered from the outse.
-
How can I find Sanitas-accredited vets specialising in physiotherapy, hydrotherapy, and complementary and alternative medicine?
Visit the following websites:
- Schweizerischer Verband für Tierphysiotherapie (SVTPT, Swiss Association for Animal Physiotherapy)
- Schweizerische Tierärztliche Vereinigung für Komplementär- und Alternativmedizin (Swiss Veterinary Association for Complementary and Alternative Medicine)
- Berufsverband der Tierheilpraktiker*innen Schweiz (BTS, Professional Association of Animal Health Practitioners Switzerland)
- Homöopathie Verband Schweiz (HVS, Homoeopathy Association Switzerland)
- Schweizerische Tierärztliche Vereinigung für Verhaltensmedizin (STVV, Swiss Veterinary Association for Behavioural Medicine)
-
Are costs covered for veterinary treatment abroad?
Routine veterinary treatments are not covered. Coverage is provided exclusively for emergencies that occur during a temporary stay (up to three months) abroad in a neighbouring country. These include:
- Germany
- France
- Italy
- Liechtenstein
- Austria
