Pet insurance

The insurance coverage is valid for up to two dogs or cats. If you wish to insure more than two dogs, then you need to make multiple applications (does not apply for breeders, animal shelters, etc.) or consult one of our agencies.

The annual premiums listed are also subject to federal stamp duty of 5%.

With each policy concluded you will subsequently receive your policy documents and premium calculation by mail.

Accident treatment costs for pets

The insurance covers the pets owned by the policyholder against:

Accidents, i.e. any physical impairment caused by a sudden external factor, the cause of which is random and which is not the consequence of a disease. Poisoning is deemed to be equivalent to an accident. A maximum of two pets can be insured per household. If you wish to insure more than two pets, then you need to make multiple applications or consult one of our agencies.

Health insurance

The pet health insurance covers the pets owned by the policyholder against: illness, i.e. any impairment to the animal’s physical health which is not the consequence of an accident and requires medical examination or treatment. This insurance may be concluded from the third month until a maximum age of six years.

The insurance can cover up to two dogs or cats per household. If you wish to insure more than two pets, then you need to make multiple applications or consult one of our agencies.

Benefits in case of a claim

In case of a claim, Helvetia will provide compensation for costs within the scope of the agreed sum insured for:

• Veterinarian fees and physiotherapeutic treatments
• Expenses for pharmaceutical products and aids as well as homoeopathic medicines
• Surgical procedures
• Radiological and radiotherapeutic examinations and treatments
• Hospital stays
• Emergency transportation with an animal ambulance
• Necessary euthanasia

The waiting period of 30 days begins on the effective date of the insurance policy. If the insurance is cancelled or suspended, the waiting period will be started anew and applies only for illness in the event that the insurance is concluded again at a later date.
 

The insurance does not cover:

• Illnesses and the consequences of accidents that occurred before the effective date of the insurance, were recognisable or could have already been diagnosed by a veterinarian in an examination.
• Injury or damage to the animal caused by liable third parties or animals resulting in liability under civil law, as well as deliberate or grossly negligent injury or damage of the animal by the animal keeper.
• Health impairments arising as a result of competitions or training.
• Psychotherapeutic treatments and treatments related to animal aggressiveness.
• Disability, congenital defects and/or congenital diseases.
• Costs of treatment and care related to pregnancy, delivery and consequences thereof.
• Surgical procedures of an aesthetic nature, dental care and contagious diseases where the animal has not been vaccinated and has not received the periodic refresher vaccinations.
• Veterinarian fees for the examination of an insured but not sick animal requiring no treatment, and the costs for compulsory or optional vaccinations and refresher vaccinations.
• Animal cremation.

Explanation of term «veterinarian»

A veterinary surgeon must be a therapist in possession of a relevant diploma and a member of the Society of Swiss Veterinarians or holder of a comparable diploma if emergency treatment abroad is required.