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Old 05.06.2018, 08:53
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Pet Insurance

Iíve been searching for Pet Insurance that covers loss and accidental death. Most pet insurance so far only covers vet bills. Comparis has not yielded any new information. Does anyone have suggestions of Pet Insurers?
Thank you
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Old 05.06.2018, 09:38
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Re: Pet Insurance

I can't recommend any insurers, as after my own research I determined that it was not a good financial model for us.

That said, a quick google shows that some cover the death of a pet up to a limited amount (one instance, CHF 400) while some Hausratversicherung cover pet loss, including theft and death in some cases.

What you likely should do is sit down with your household insurer and determine what, if any, coverage for death/theft/etc you might already have there. Then simply go through the various animal health insurers, being very careful to read the fine print.

In law, while animals are no longer simply 'things', compensation for the death of a pet caused by a third party is regulated by the laws that apply to all property. See these articles from Tier Im Recht:
https://www.tierimrecht.org/de/recht...r-gettet-wird/
https://www.tierimrecht.org/de/recht...-zu-verstehen/

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FYI, this from Kassensturz makes for interesting viewing and reading:
https://www.srf.ch/sendungen/kassens...-katz-im-stich

And another FYI, see this thread for a discussion of EFers decisions on pet insurance:
https://www.englishforum.ch/pet-corn...pet-funds.html


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When evaluating pet insurance plans, a valuable resource might be your vet practice TPAs who deal with billing. From discussions with the staff at the practices I use, some have decided opinions on the various plans.

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Be aware, though, that a dog owner in canton ZH is required to carry liability insurance of a minimum of 1 mio. This is generally part of one's standard Privathaftpflicht insurance, but some insurers offer this as a separate policy. Cat owners are not required to carry liability insurance.


Another FYI, if your pet also has commercial or extraordinary value - i.e., you are a breeder, the animal is a trained and certified service animal, a protection dog, etc. you should discuss this further with your insurer wrt coverage against loss, as these cases are generally beyond the typical pet owner situation.

Last edited by meloncollie; 05.06.2018 at 10:16.
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Old 05.06.2018, 15:00
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Re: Pet Insurance

Thanks for a very comprehensive reply - very helpful
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Old 23.08.2019, 08:18
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Re: Pet Insurance

Putting in a word of recommendation for Epona here.

I just received a letter of condolences for our cat (died last year a month after paying the annual fee). They will be refunding the pro-rata amount of the insurance - unrequested. I wasnít expecting a refund so didnít bother going after it, just cancelled the insurance.

Weíve had excellent service, straightforward, no hassle payments on bills and they took our cat on at an older age.
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Old 23.08.2019, 18:51
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Re: Pet Insurance

That's good to hear, Crumbs. They were good when I lost my deerhound in 2011, and I've just paid the new premium a couple of weeks ago but lost my elderly cat on Wednesday evening, she had a fast-growing and very aggressive tumour in her trachea They've already opened a file from last week's vet bill, now I'm waiting for the final bill to upload that and notify the death.
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Old 23.08.2019, 20:45
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Re: Pet Insurance

I'm so very sorry to hear about your cats, Eng_ch and Crumbs. Our furry friends hold our hearts in their little paws.

( I am glad to hear that your insurers came through for you at this difficult time.)
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Old 24.08.2019, 10:41
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Re: Pet Insurance

We used Animalia for our flatcoats, we found their services excellent.
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