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Old 05.06.2018, 08:53
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Pet Insurance

I’ve 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/

---

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


---

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.

---

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 wasn’t expecting a refund so didn’t bother going after it, just cancelled the insurance.

We’ve 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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Old 23.10.2019, 11:36
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Re: Pet Insurance

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

That's also good to hear as I'm considering them for the new ship's kitten
I'm a little miffed with Epona at the moment as I just got a holding mail from the first bill for Esk saying it might take some time as they're currently very busy, and I've sent them the final two bills but heard absolutely nothing from them since the holding mail 2 months ago
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Old 31.10.2019, 13:14
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Re: Pet Insurance

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That's also good to hear as I'm considering them for the new ship's kitten
I'm a little miffed with Epona at the moment as I just got a holding mail from the first bill for Esk saying it might take some time as they're currently very busy, and I've sent them the final two bills but heard absolutely nothing from them since the holding mail 2 months ago

Update on both counts:

Our vet has recommended Animalia, says they are massively easier to deal with both for them and for owners, so I've gone with them.


I rang Epona last week to chase up, and was told the case would be dealt with as a priority and I would hear something by the end of this week. Still nothing though.
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Old 31.10.2019, 15:21
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Re: Pet Insurance

I don't believe there is a Swiss pet insurance which offers life insurance per se. In Switzerland, pet losses/deaths resulting from many hazards are covered by household insurance.


Some pet insurance policies include travel insurance which compensates you for trip cancellations/interruptions resulting from the death of a pet. Some cover costs of ads etc. for finding lost pets.


This pet insurance comparison lets you filter policies by the coverage they provide:

https://www.moneyland.ch/en/pet-insurance-comparison
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Old 31.10.2019, 15:37
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Re: Pet Insurance

Must say I am puzzled by this question. Are you talking about prize breeders here?

Lost many pets over the years - all of them in old age and more... and the sadness is always massive- but never ever once did we think about money (none of our pets have ever been insured anyhow - nor had any 'value').

Last edited by Odile; 31.10.2019 at 18:22.
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Old 01.11.2019, 11:41
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Re: Pet Insurance

Odile, the ship's dog, in the time he has been with me, has had:
1. Leptospirosis - including 12 days in ICU Bern & 3 lots of dialysis resulting in expensive medication for life
2. Pancreatitis, involving 72 hours in vet hospital plus all the tests and meds
3. Poisoning, involving 48 hours in vet hospital, plus loads of tests
Plus a couple of dog bites, a septic insect bite and just now an op to repair a flap of skin he chewed off after a minor cut.
Even though I'm having to pay for the meds for the lepto nowadays, even on a decent income I'd have felt that lot. And I'm *not* on a decent income. I can budget for insurance premiums; and I really really don't want to find myself in a situation of *having* to weigh up my pet's life versus subsistence for us all. To be clear, yes obviously I'd go into debt/put it all on a credit card rather than sacrifice any of my critters, but in the case of the new ship's kitten, a budgetable Fr 200/year is well worth the peace of mind of knowing I don't have to worry about vet costs.
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Old 01.11.2019, 11:47
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Re: Pet Insurance

Thanks, I get that.

In our case, we have only ever had foundlings or rescue dogs- and we have been very lucky, I suppose. Apart from Slinky's (our daughter's dachshund we adopted for his last 2 years) diabetes- we have had NO major issue with any pet. And would have been able to fund from savings had disaster struck. But totally undersand your pov.

The question I have is about 'life' insurance re loss or death of pet. I just don't get this. Why? Unless prize stud/breeder. So just interested in reasons.
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Old 01.11.2019, 12:46
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Re: Pet Insurance

Just did an exercise that might, maybe, change my mind about carrying pet insurance.

Looking at the Animalia plan linked above, according to the taffif schedule for the 'Comfort' plan with 1K yearly deductible, I would have paid ca 7200 in premiums, plus probably another maybe 6-7K in Selbstbehalt to date for my now 14 year old Hooligan. She came to me at 1 year old, a healthy dog. She was diagnosed with epilepsy at 4 years old, but the condition did not really affect her daily life, nor cause much in the way of medical expenses, for her first 12 years.

However, at 12 she suffered a brain haemorrhage which set off a series of neurological issues, resulting in her becoming something of a 'Stammgast' at both our local clinic and at the Tierspital. I am well into five figures over these last two years alone.

Not that I begrudge one single Rappen - she is the light of my life. And despite everything, she still has an excellent quality of life.

IF - and that is the big question - these types of plans really do pay out, in Hooligan's case it would have been worthwhile. I might have grumbled over the premiums vs actual expenses during the first 12 years, but these last two years would have made quite a difference.

---

Anyway, it seems that policies and offerings may have changed since I last took an indepth look - probably worth running numbers and asking my vets for updated opinions of various plans, should I ever add another mutt to the crew.

Interesting project for a cold grey November day...
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Old 01.11.2019, 16:14
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Re: Pet Insurance

Epona is very slow in processing claims.

When we reviewed which plan to go with, that wasn't something we considered.

I think having insurance means less hesitation about making a visit on the weekend, especially on a Sunday when the surcharge can be 200 francs. Without insurance one might wait until Monday. Waiting could make matters worse.

Last edited by Mrs. Doolittle; 01.11.2019 at 21:54.
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Old 01.11.2019, 17:11
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Re: Pet Insurance

The OP is asking specifically not about health care, but loss or death, however.
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Old 01.11.2019, 18:06
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Re: Pet Insurance

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The OP is asking specifically not about health care, but loss or death, however.
I did some quick (and certainly not wholly inclusive) searching. So far it seems that Epona offers 'Todesfallrisikoversicherungen' for horses, dogs, cats, cattle, and other animals. From their website:
https://epona.ch/de/2nd-nav/dokument...ne-bedingungen

Die Produktpalette der Gesellschaft umfasst die Versicherung zur Deckung der tierärztlichen Behandlungskosten für Pferde, Hunde und Katzen, sowie die Todesfallrisikoversicherungen für Pferde, Hunde, Katzen, Rindvieh und andere Tiere.


Interestingly, it goes on to stipulate that euthanasia of an animal so insured must be authorized:

Jede Tötung von für den Todesfall versicherten Tieren muss von Epona genehmigt werden. In sehr dringenden Fällen kann der behandelnde oder beigezogene Tierarzt die Tötung eines Tieres veranlassen, dessen Tod infolge eines versicherten Ereignisses mit Sicherheit in kürzester Zeit zu erwarten ist. Andernfalls wird keine Entschädigung gewährleistet. Die Tötung aus wirtschaftlichen oder persönlichen Gründen gibt keinen Anspruch auf eine Entschädigung.

I could not find info on what sort of 'Entschädigung' is available.


From a quick reading of their website, it seems Helvetia does not offer payment against the death of an animal. I could not find anything on the subject from Animalia.

When you think of it, it makes sense that an insurer wouldn't offer payment against the death of an animal - because we, the owners, usually make the decision to euthanize. It's generally a known event, so to speak.


I know one pet sitter who carried a policy that paid out a (smallish) sum to an owner in case a pet died in the sitter's care. This is different, obviously, because it's a professional liability coverage.

IIRC, people who have champion dogs can insure their lives - even their sperm count. Highly (and expensively) trained dogs such as protection dogs, S/R, service or guide dogs, dogs who are actors, are often insured against loss - but this goes well beyond a typical pet insurance situation, a different type policy would be needed.
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Old 01.11.2019, 18:23
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Re: Pet Insurance

IIRC Epona pay out CHF 400 as "life insurance". Yes, it may be a contribution to the (rescue centre) costs of the next critter, but the cost/benefit never made sense to me. In that sense I'm with Odile & Meloncollie i.e. self-insure / regard it as a cost that will be coming

Wau-Miau offer proper travel insurance for pets i.e. the pet is deemed a near relative so they offer cancellation cover if you have to delay or cancel travel because your pet is ill. However, they are the most expensive for a decent per-incident level of cover, and they cancelled on me/Heros despite not getting anywhere the per-incident limit on what is a chronic condition, which is why I'm now having to pay his expensive meds myself.
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Old 01.11.2019, 19:37
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Re: Pet Insurance

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I’ve 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
If your pet is a victim of hit and run ( and survives ) all the costs will be paid for you-no insurance necessary!
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Old 01.11.2019, 19:50
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Re: Pet Insurance

I should also add, it looks like all 3 major providers offer some financial and practical help if your pet goes missing (if that's the sort of loss the OP is referring to)
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