Accident Insurance

Even healthy and active pets can have an accident. A fall, an injury or swallowing a foreign object may require veterinary treatment and result in high costs. Accident insurance helps protect your dog or cat against the financial consequences of an accident.

Access Accident Insurance

1. Open the animundo Dashboard.
2. Scroll to “For you & your pet”.
3. Tap “Insurance”.

There you can find more information about accident insurance and view the available options for your pet.

What is covered?

The aniCare subscription includes accident insurance for one dog or cat that does not require an official permit, provided the pet is permanently kept in the insured person’s household and the pet owner resides in Switzerland or Liechtenstein.

Additional pets can be insured for CHF 5.50 per month each.

Assigning the insurance to a pet

In general, accident insurance is assigned directly to a pet. If you have multiple pets, you will be notified that you may need to adjust the assignment as required.

Insurance coverage

This type of coverage is not available elsewhere in this form. The following coverage applies:

• Maximum amount per claim: CHF 1,500
• Co-payment: 20%
• Deductible: CHF 0

Is that enough?

An internal analysis by Animalia shows that in 87% of cases, accident costs are below CHF 1,500.

When does coverage begin and end?

Insurance coverage begins when the insurance is assigned to your pet after taking out the aniCare subscription and ends when the subscription is cancelled.

Where does coverage apply?

The insurance applies in Switzerland, Liechtenstein and neighbouring countries.

In the event of an emergency abroad, Animalia (Vaudoise Insurance) covers treatment costs until the treatment is completed, for a maximum period of three months from the date of the first treatment.

What is not covered?

• Accidents that occurred before coverage began
  Accidents and their consequences that occurred before the insurance was assigned after taking out the aniCare subscription.
• Plastic or reconstructive surgery
  Cosmetic procedures and any resulting consequences.
• Microchip
  Costs for registering and inserting a microchip.
• Dental treatment
  Dental treatments are excluded. Dental crowns following an accident are only covered if they are essential for the animal’s survival.
• Intentional harm
  Harm intentionally caused by the pet owner or by persons for whom the pet owner is responsible.
• Third-party liability
  Damage caused by third parties or other animals that results in civil liability. If no liability insurance exists or the responsible person cannot be identified, Animalia (Vaudoise Insurance) covers the costs.
• Reproduction, pregnancy and litter
  Treatment and care related to reproduction, pregnancy and litter.
• War and similar events
  Damage caused by war, civil unrest, nuclear events, epizootics or epidemics, except where the animal was deployed to rescue people during such events.

How do I report an accident?

You can report an accident directly through the app:

1. Open the relevant pet and select “Report an accident”.
2. Enter the date and time of the accident.
3. Describe the accident and the injuries.
4. Add your IBAN.
5. Submit the accident report.

You can then submit all invoices to animundo@animalia.ch. The following information is required, either as the original document or an electronic copy:

• Date of treatment
• Address of the pet owner
• Name and identification of the pet
• Diagnosis
• Detailed medical services and medication
• Amount for each individual service
• Name, address and telephone number of the treating veterinarian

The claim is handled directly by Animalia.