is in safe hands
Dog insurance
Enjoy carefree time with your dog – thanks to protection against high veterinary costs and access to top-quality medical care.
Key benefits
Smart or Premium? Choose the right protection
Why take out dog insurance?
With our dog insurance, you’ll never have to choose between the well-being of your four-legged friends and your budget. You gain financial peace of mind, and your dog gets the care it needs.
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Tumour: CHF 9,800
Raul was diagnosed with a brain tumour. This disrupted his metabolism, which meant he was often thirsty and had to go out at night. Radiation therapy restored his zest for life, and his pet insurance covered most of the costs.
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Leg pain: CHF 8,500
In the spring, Bella suffered a painful cruciate ligament tear in her left hind leg. No sooner had she recovered from that than her right knee began to hurt. It took two operations and physiotherapy to get her back in shape. Fortunately, she was insured.
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Twisted stomach: CHF 6,200
Luna tried unsuccessfully to vomit, and her stomach swelled up. The X-ray showed gastric dilatation volvulus (GDV), commonly known as a twisted stomach. She underwent emergency surgery and, after receiving intensive care, made a full recovery. Sanitas covered 90% of the costs.
What to do if your dog is injured or sick?
Step 1
Your dog isn’t feeling well? No problem. Help is on hand thanks to state-of-the-art veterinary medicine and our dog insurance. Call a veterinary practice and describe the symptoms.
Step 2
Take your dog for treatment with as little stress as possible and pay the veterinary invoice.
What does dog insurance cover?
Comprehensive cover for daily life
Smart category of insurance |
First-class cover that goes the extra mile
Premium category of insurance | |
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| Calculate premium
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Calculate premium
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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 |
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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 |
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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 |
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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
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Product sheets
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Terms of insurance
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Lists
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Commitment to cover costs
Frequently asked questions
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Can I take out insurance even if my dog 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 dog 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 dog insurance, you can rely on our coverage – without any restrictions.
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Is there a waiting period for dog insurance?
Yes, there is a waiting period for dog insurance. Accidents and illnesses are covered 14 days after commencement of insurance.
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Can I choose my own 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.
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When should I take out insurance for my dog?
Ideally, while still a puppy. You can take out insurance when your dog is 8 weeks old. This way, congenital conditions and hereditary diseases are covered from the outset.
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Is dog insurance obligatory in Switzerland?
No, pet owners are not required by law to take out insurance in case their dog is injured or falls ill. However, we recommend that you do so voluntarily – for affordable access to veterinary care and to help your dog stay healthy.
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Do veterinary treatments cost the same everywhere?
No, because veterinary rates are not regulated by the government. Each practice sets its own prices. That’s why it’s worth comparing rates.
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Are costs for chronic illnesses covered?
Yes, dog insurance covers most of the veterinary costs resulting from chronic illnesses.
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Can I take out dog insurance later?
You can insure your dog 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 outset.
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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)
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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
