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New opportunities for digital adaptation of animal insurance

New opportunities for digital adaptation of animal insurance

Digitization is also finding its way into animal insurance and has made it possible for the first providers, for example, to make a new, simple product selection possible. This makes it easier for pet owners to find the right product.

New products and better choices possible

The world of the internet also makes life easier for dog and cat owners. They can now find out about products such as health insurance for their four-legged friends, but also about tailor-made solutions. What is good for one does not necessarily have to be right for another! Therefore, there are now much more efficient offers in the Internet world of animal insurance. 

The question of what the common denominator between all dog and cat insurances was, was the key to achieving a more efficient system. Customers now only need to provide a little information and are guided directly to the products that are most suitable for them. This means that consultation hours are superfluous, and hours of reading about the advantages and disadvantages of individual insurance components are also an end.

After entering the required information, the modern insurance tool can offer tailor-made products. This means that the selected insurance or the corresponding product is precisely tailored to the needs of the animal to be insured and its owner. The innovations make it easier for the pet owner to choose the right insurance, and under- and over-insurance are rented out.

Digital tools lead to the right insurance

The animal insurance specialists who are developing the new tools have used the digital tools available to them. In doing so, they took the specific problems that a pet has as a basis and created their solutions from them. For example: a cat that is outside all day is at different risks? Accident and illness? exposed as a cat kept as an indoor cat only. Owners of cats can now decide which variant to choose when choosing the product in question. 

Based on the selection of the specific risk, further questions are asked and the appropriate selection can be made. According to this selection, the insurers are able to offer new services and display specific prices.

What sounds so simple and obvious is not at all in practice. Comprehensive and complex algorithms have been designed here that operate on the principle? If x, then y? function. The data required for this has been collected over the past few decades and has now been meticulously evaluated.
Not only should customers be offered better and tailor-made solutions for their four-legged friends, the insurers are also interested in staying up to date. Customers' expectations of comprehensive service are increasing, as are their demands for contemporary insurance for their hairy family member.

Conclusion: New insurance solutions thanks to modern technology

Modern technologies are also making the insurance industry more effective and efficient. The reason: New tools make it possible to determine insurance coverage individually. This is based on the specific risks that individual pets have. It is therefore taken into account whether the animal in question has a rather risky life or whether it is rather unlikely that it will come into contact with accident or illness triggers. 

Based on this assessment, customers and pet owners can make their selection and are shown tailor-made products that cover precisely the necessary risks. On the one hand, this prevents risks from being insured that are out of the question for the individual animal. On the other hand, the insurance cover is also adjusted in height to the special needs of each animal.

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Well insured in 2021: Find the best pet insurance

Well insured in 2021: Find the best pet insurance

The dear four-legged friends can cause high costs that significantly exceed the cost of acquisition. Animal insurance cushions immense additional costs, but of course also requires premiums. How to find the best pet insurance for Bello and Miez!

Tips for finding the right pet insurance

Many of the large insurers now also offer animal insurance, but with different benefits, coverage levels and premiums. In view of the fact that dogs and cats do not get very old, but can cause high costs within their lifetime, the thought of such a pet insurance is definitely worthwhile. The following tips can help you find the best individual insurance: 

    • Compare premiums
      The premiums are very different depending on the provider. However, you should not only look at the pure premium, but relate it to the benefits. Very high benefits with extensive coverage of many diseases naturally result in higher premiums. Also important: with some insurance companies, the premium increases with the age of the animal.
    • Note the maximum coverage
      Many insurance companies set a maximum amount per year as coverage. However, if the dog needs very costly treatment, this maximum amount is usually reached quickly. If the insurance then does not cover any further costs, these must be paid by the animal owner and also pay the premium for the year in question.
    • Consider deductibles
      Many animal insurers set a deductible, which is calculated either as a percentage or as an absolute value. Usually the deductible is 10 percent of the treatment costs, but it is sometimes increased to up to 40 percent. Even if the premiums are low, a high deductible is a contra-indicator for this insurance. Some insurance companies also require that the insured bear the costs up to a fixed annual contribution.
    • Keep an eye on total costs
      The total cost should take into account all deductibles, premiums and coverage offered by the insurer in question. Only from the connection performance? Cover? In the amount of the premium, a conclusion can be drawn about the usefulness of the individual animal insurance.
    • Note waiting periods
      In most cases, the animal insurance cannot be used immediately, but a waiting period must be observed. This is the time a pet owner has to wait before insurance will cover a claim. Important: If the animal's health problem already existed when the insurance was taken out, this is usually not covered. Depending on the illness, the waiting period can be longer and up to three months.
    • Special services
      While the usual treatment costs are usually covered, this is usually not the case with vaccinations. The insurance companies partly contribute to the costs, but do not cover them completely. This also applies to alternative medical treatments that the pet needs. Some insurance companies set an amount of around CHF 500 per year for this, while others only participate in homeopathic treatments.

In order to find the right pet insurance, all of these points should be compared. The attitude of the animal owner is also important: In the event of illness or an accident, do I really want to try everything to help the animal? How do I feel about TCM, homeopathy and alternative treatment options? Would behavior therapy be an option for my animal? The right insurance package can be put together from all of these considerations.

Conclusion: The best pet insurance requires a comprehensive comparison

The follow-up costs after purchasing a pet are important for most pet owners. A case of illness or an accident can quickly lead to immense costs, which are best covered by animal insurance. In view of the large number of providers, a comprehensive insurance comparison that includes both the services offered, the exclusions of benefits and coverage as well as any waiting periods is worthwhile.

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neotralo.ch: In a league with the big ones

neotralo.ch: In a league with the big ones

The summer of 2019 was written when one of the budding stars entered the comparison portal landscape to catch up with the big ones in the shortest possible time. neotralo.ch was born and rose within three quarters of a year to the same league as comparis.ch, moneyland.ch and bonus.ch. Here, users can easily find all important comparisons to health insurance premiums, car insurance tariffs and much more. neotralo.ch is already mentioned in the KGeld with the four big players in the industry and proves to be just as reliable and trustworthy.

Comparis.ch is an industry size that no one in Switzerland can get past who wants to carry out a financial check. Now that also applies to neotralo.ch, because the former start-up closed the test of Kgeld with only half a grade worse. 

The very good results achieved within this short time make us confident and it can be assumed that the half mark that still separates neotralo from the competition will not be a permanent result. Such a good result can easily be topped! Especially since neotralo.ch will have an ever wider reach: Tools in ten different languages can be used to compare life insurance policies. 

This means that neotralo.ch not only relies on its customers from Switzerland, but will also build a portal that goes well beyond national borders, with which new users can be reached, who in turn can benefit from the advantages of the comparison portal.

Satisfaction with neotralo.ch

Not only the testers of the financial magazine are satisfied with neotralo.ch. Neotralo.ch itself provides feedback. ?We are very happy with the result. Already after half a year we are perceived as a Swiss comparison portal and stand next to the big names in the industry in Switzerland. 

It is agreed that the efforts have really paid off since the portal was launched, because right from the start great emphasis was placed on customer friendliness, service, comprehensive results and the ability to contact the providers directly. 

Everything at neotralo.ch should be as clear and transparent as possible and that just pays off! In contrast to many other comparison portals that try to make up for missing content with a big name or to hide the receipt of remuneration for mediated insurance, neotralo.ch wants to offer an actual overview. 

This gives the user the chance to get an idea of the individual offers and to choose the one that best suits them.

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Animal insurance: sensible or unnecessary luxury?

Pet insurance

Animal insurance: sensible or unnecessary luxury?

People have health insurance to be treated well in the event of an accident or illness. You pay a certain amount for this and thanks to social security, more expensive treatments can also be financed. But what about the animals that are often treated like family members? Too often they have to be denied important treatment because they are simply not affordable. If suddenly several thousand francs are due for therapy, some pet owners cannot afford it. Difficult decisions have to be made now. But there is another way!

Pet insurance

Financially secured with animal insurance

It happened quickly: The dog ran into the street or was involved in a biting shop in the park. Or the cat fell from the balcony and now needs medical help quickly. Should this really fail because of the costs? Certainly there are many pet owners who can also handle larger expenses and for whom it is not a problem if a four-digit bill is expected from the hospital. 

But the majority of pet owners have to pay attention to how high the expenses for the hairy family member can be, and sometimes have to weigh up the treatment accordingly. With a Pet insurance Such considerations become unnecessary, because here only the premium has to be paid. In addition, amounts are due as deductibles per insured event or once a year (depending on the tariff). The insurance bears the remaining costs up to the agreed coverage amount.

Also possible as a reserve?

It is also possible to save fixed amounts every month. In an emergency, these can be used to treat the animal. However, higher sums have to be put aside because treatment can quickly reach four-digit levels. This procedure is unfavorable for all pet owners whose dog or cat needs expensive treatment shortly after the start of the saving phase. As a rule, not enough money is saved to cover the costs.

Conclusion: Animal insurance is usually not an unnecessary luxury

These considerations show that animal insurance is usually not an unnecessary luxury. Rather, it is an important safeguard for emergencies when a dog or cat suffers an accident or becomes seriously ill and requires expensive treatment. If you do not have sufficient financial cushion, but still want your four-legged friend to be covered, you should take out animal insurance. This is already available for low entry premiums with sufficient benefits.

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10 tips: how do I find the right animal insurance?

the right animal insurance

10 tips: how do I find the right animal insurance?

Finding an animal isn't that hard proper pet insurance to have it very much! Therefore, first of all, the recommendation: Do not conclude any contracts prematurely and do not allow anything to be imposed on you. You have the choice between different providers and contract variants, different comprehensive packages and contract designs.

the right animal insurance

You can view the offers for Compare pet insurance and can define the most important features of the insurance packages for you.

The following tips will also help you to find the right animal insurance:

1. Choose between animal insurance and accident insurance

Animal insurance can be very comprehensive and includes damage to the animal in the event of an accident or illness. However, if the dog or cat is too old at the time of the takeover, you may no longer be able to insure the animal. In this case or if a lower scope of benefits is sufficient, accident insurance for animals can be useful. It only applies if the animal is damaged by an accident.

2. Check performance

A lot is promised by the insurer and full-bodied concessions are made. On closer inspection, however, these turn out to be less good and there are numerous exclusions in the small print. Take a close look and check which services are really offered and which only appear for advertising purposes only.

3. Check deductible

If you are required to pay a high deductible, which you then have to pay for each damage event, the insurance policy in many cases leaves only a very small portion of the costs to be borne. This is not worth it because you would have to add your premiums to it. If you end up paying as much for insurance as paying all the vet's bills yourself, you don't need them.

4. Check the transfer of treatments

Take a close look at which treatments are taken over and which conditions are linked to the benefits. Some insurers only benefit if you and your pet go to a specialist who is recognized by the insurance company. You then have no free choice of veterinarian, which also applies in an emergency. Also pay attention to whether chronic diseases are taken over. If this is not the case, you should look for another provider.

5. Note right of termination

Some insurers assume damage as agreed, but then give the pet owner notice of termination. This is not expedient and presents you with additional problems when looking for a new insurer. Therefore, pay attention to the termination clauses! Some providers waive their right of termination in the event of damage after a certain contract term, which you should give preference to.

6. Don't just look at the cheapest premiums

Many providers advertise with cheap premiums, but then require a high deductible or offer only very limited services. Others exclude numerous risks, which are very common. This cheap insurance can become expensive in the course of a dog's or cat's life because the policyholder, i.e. the pet owner, still has to make high contributions of his own. So don't just look at the annual fee, but at the entire package.

7. Select the appropriate insurance sums

Some insurers offer fixed cover amounts, which are sometimes too low or too high for individual pet owners. Choose an insurance company with which you can determine a suitable coverage amount. There are no upper limits for some tariffs, which are particularly interesting for animals that are at high risk of illness or injury. But keep in mind that higher coverage amounts also mean higher premiums.

8. Pay attention to the information on the services

The insurance policies differ in another important point, which also refers to the coverage amounts: depending on the contract and general insurance conditions, the maximum coverage amount is paid out per year or per event. This means that the insurance company would not pay for a second insured event per year if the maximum coverage was already achieved for the first insured event. However, if it works for every damage event, you are on the safe side.

9. Pay attention to reputation

It can be worth asking about experiences with various animal insurers on the Internet or with friends. Some insurers appear to be more involved in lawsuits than others. It can be concluded here that they do not necessarily like to perform, to put it mildly. Others are showered with good ratings. A closer look and a comprehensive insurance comparison are particularly worthwhile.

10. Pay attention to waiting periods

The waiting periods of the individual insurers vary. While some only require a waiting period of one month, others set the deadline longer and let their insured parties wait three months before the first possible use of the benefits. In some cases, comprehensive evidence must be provided that an illness did not exist at the start of the insurance if the insurer received a claim shortly after the contract was concluded. Current assessments by other policyholders are also helpful in this regard.

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Can the animal insurance company terminate the contract in the event of damage?

Animal insurance termination

Can the insurance company terminate the contract in the event of damage?

In principle, animal insurance is structured in a similar way to health insurance for people and works that way. Unfortunately, this also means that the insured can be terminated in the event of damage. Many policyholders are surprised that not only them, but them too Animal insurance have a special right of termination. But it is not that easy for an insurance company to cheat itself out of the contract.

Animal insurance termination

Cancellation possible in the event of damage

The law allows both parties involved to terminate the contract. This means that both the insurance company and the insured person can teach termination for an important reason or at the end of the insurance year. Nevertheless: No benefits may be refused for an ongoing damage event. 

An example:

Bitch Fridoline has been fully insured with xy insurance for two years, although there is no limit to the cost sharing in the event of damage. A respiratory illness is now diagnosed at Fridoline and the costs of the treatment are transferred to the insurance company. This pays the veterinary bills initially and then discontinues the services. At the same time, the owner of Fridoline is terminated. 

It is quite clear that something like this does happen, but it is not legally permitted. The insurance company can lay down such regulations in its small print, but it is not allowed to implement them. This is considered unfair and therefore illegal. The procedure is therefore invalid, the xy insurance company has to pay the costs for the treatment of Fridoline. It is only annoying that this is connected with a legal dispute and that this is protracted. However, Fridoline needs to be treated, which means that the owner has to advance the costs and, in the end, high additional costs for them because they have to pay a lawyer.

Other regulations are also possible

But there are also animal insurers who are interested in a good business relationship. With these, the policyholders have a kind of trial period, which can be, for example, three years. Damages are paid during this time, but should be within the limits. The contract then changes into a kind of non-cancellable relationship and the insurance company waives its right to terminate in the event of damage. For the policyholder, this means a significant increase in security, because they can be sure that the insurance will continue to exist even after a claim has been reported.

Conclusion: Termination is possible, but subject to conditions

In summary, it can therefore be stated that termination in the event of damage is possible. Nevertheless, the insurance company only has to bring an ongoing insurance event to an end or render the benefit until the maximum coverage that has been contractually guaranteed is reached. After that, however, she may send the policyholder notice of termination. Insurers who waive their right of termination in the event of damage after a fixed contract term can now be found on the market and should be given preference.

Here you can find the offers for Compare pet insurance! When making a comparison, be sure to include the procedures in the event of a claim if you want to be fully covered, and read the fine print before signing the contract.

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Animal insurance: what should be considered?

Pet insurance

Animal insurance: what should be considered?

Not everything that glitters is gold on the animal insurance market either! There are providers who rule out many possible cases of damage, while others even offer to cover the costs of treatments for dogs that have to be treated for inherited diseases.

Pet insurance

There are a few points to watch out for so that you can find the right pet insurance for your four-legged friend:

Choose a suitable product

The animal insurers offer different benefits and exclusions. Stupid when the performance that is most important to you is excluded! Therefore, take a close look at the general insurance regulations and choose the basic and additional benefits that optimally protect your four-legged friend. But you can do without the inclusion of numerous little things that ultimately drive up the bonuses. Vaccinations and worm cures do not necessarily have to be insured!

Set the deductible appropriately

The deductible can be set at different levels and you can choose between deductibles to be paid once a year and deductibles that are payable for each insured event. The fact is: the higher the deductible, the lower the premiums. However, do not set the deductible too high, otherwise the insurance portion will remain very small and you will still bear a large part of the costs yourself.

Use discounts

Many perks are offered when you sign up for the Take out pet insurance online. Direct insurers score points on the Internet with good services and low premiums! You can also save if you insure several animals. Often the premiums drop from the second insured pet onwards.
You can also save with the type of payment, because an annual or semi-annual payment is rewarded with discounts.

Report damage cases directly

If an insured event occurs, you should immediately report to the animal insurance company. Subsequent claims often cause problems, which in the worst case can result in reduced benefits. In the following, the insurance company can request various information and needs various documents about the course of the damage or reports from the veterinarian for the further processing of the claim. A tip: If your deductible is higher than the expected bill from the veterinarian or from the clinic, it is advisable to pay the damage yourself. Otherwise you can lose discounts from some insurers if you report damage too often.

Pay on time

Always pay the premiums on time! Otherwise you risk overdue fees and gaps in insurance coverage. Because: There is no insurance cover between the actual payment date and the actual receipt of your payment by the insurer. If a claim arises, you must pay for it yourself. If you do not respond to reminders, the insurer can cancel your contract.

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Compare pet insurance and choose the right product for you based on the comparison results.

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Animal insurance: can my pet be insured?

Can my pet be insured

Animal insurance: can my pet be insured?

Not every animal can be passed over a Get pet insurance. In general, the offers of the insurers are aimed at the owners of dogs and cats, few also offer the insurance of other pets or even large animals. Llamas, alpacas, goats, mini pigs, pet birds and even cattle can be insured with a few providers. In most cases, however, they are owners of dogs or cats who want pet insurance. But here, too, the following applies: Not every animal is really insurable.

Can my pet be insured

A question of age

Most animal insurance providers set an age limit: dogs and cats from three months old can be insured. The reason: very young animals often cause high costs and are much more susceptible to diseases. At the age of three months, when small dogs are allowed to leave their mums, they are already immunized against a variety of diseases and are less likely to be infected and infected. 

Conversely, even older animals cannot be insured for an unlimited period. The limit is usually seven years. If the animal is older, the insurers assume that the risk of illness is naturally higher and will no longer accept these animals. If the dog or cat is already insured with this provider by then, it will not be kicked out of the insurance. In some cases, higher premiums are incurred, but here too there are now providers who do without them and leave the premiums at the usual level for older animals.

Important questions before submitting the application

Animal insurance does not accept animals that are chronically ill or suffer from diseases. Most providers do not pay for the latter even if the problems become apparent after the contract has been signed and the animal previously showed no abnormalities. The following questions provide information about whether the animal is insurable or not:

    • Is the dog / cat chronically ill?
    • Is the animal already ill?
    • Is there an accident damage?
    • Is the animal younger than three months or older than seven years?

Some insurers cover the costs of treating chronic diseases when they first occur with an existing insurance contract. Many common health problems that are typical of the breed cannot be covered. The animals can then be insured, but special illnesses or consequential damages are excluded from taking over the benefits.

Conclusion: Not every animal is insurable

In addition to the fact that not every animal is insured under the animal insurance due to the species, not every dog or cat is admitted. Animals that are already ill, are chronically ill or suffer from hereditary diseases are not insured, which also applies to animals that are older than seven years. 

The risk of high costs is too great for the insurance company. In this regard, no exceptions are made against higher deductibles, the animals concerned simply have to be secured differently. Otherwise, the majority of pets must be covered by animal insurance, as there are now special rates and additional packages for many cases.

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Pet insurance: how high should the coverage amount be?

Pet insurance:

Pet insurance: how high should the coverage amount be?

The provider for a housepet insurance know different variants. On the one hand, it is possible for the insurer to cover the costs up to the agreed maximum coverage amount up to a specified part (usually 90 percent). The insured person pays his deductible once a year. On the other hand, the costs can also be covered up to the maximum amount insured, the deductible is then calculated for each claim.

Pet insurance:

How much can the coverage amount be?

There is no upper limit for the coverage amounts, but it should be clear that the higher the coverage, the higher the premiums. Amounts in the lower four-digit range are possible, but the sums can also be unlimited. The dog owner decides where the border should be. In some cases, the amount of coverage depends on the amount agreed for the franchise. 

If you only have a low deductible, you will not be able to get unlimited coverage. At some point, the insurance provider also secures itself! The deductible can be between 100 and 1000 Swiss francs and is recorded in the insurance contract. The amount of the deductible should also depend on the risk and whether this sum is due once a year or once per insured event. 

Those who have to go to the vet more often each year and pay the deductible each time still have to dig deep into their pockets with franchise sums of 500 or 1,000 francs.

Agree realistic coverage amounts

Sure, a longer stay in hospital can cost up to five figures. But how likely is it that your dog or cat will get into this situation? Even if no one can bother the famous crystal ball and see the future, realistic cover amounts should still be agreed. Experts believe that veterinary bills of more than 6,000 Swiss francs are very rare. 

Cover amounts of 10,000 francs should therefore be sufficient. If your dog is at high risk of having an accident because he or she accompanies you, for example, when climbing in the mountains, the amount of cover can also be adjusted accordingly. But be careful: Not everything can be insured and many insurers exclude individual causes of accidents and illnesses from their benefits.

Conclusion: The amount of coverage in animal insurance should be this high

In summary, the following can be stated:

    • Cover amounts between a few thousand francs and unlimited amounts are possible
    • recommended cover amounts are 6,000 Swiss francs
    • Animals with a foreseeably higher risk should be insured more
    • the amount of the deductible affects the premiums to be paid

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Without pet insurance it can be very expensive!

Pet Insurance

Without pet insurance it can be very expensive!

Dogs or cats are usually full members of the family and should also be able to be treated accordingly in the event of illness. Unfortunately, the veterinary bills often correspond to the bills that a person has to pay for their medical treatment. An accident happened quickly to the pet: the dog does not run on the sidewalk, but on the street and there in a car. He eats a piece of sausage on which the plastic cover is still stuck. The cat eats a mouse that has died of poisoning itself or does not fall on its feet as usual, but breaks its leg when it falls from the ladder.

Pet Insurance

Common illnesses and accidents and their costs

The following are examples of some costs for common diseases and accidents in dogs and cats:

    • Broken bone: approx. 2,700 Swiss francs
    • swallowed foreign objects: between 1000 and 2500 Swiss Francs
    • Stomach rotation in the dog: approx. 3000 Swiss Francs
    • Abscess in the cat: approx. 500 Swiss francs
    • Infection of a tooth: approx. 1000 Swiss francs

These examples are not particularly rare diseases and accidents, nor are they really expensive treatments. If you want to be able to say in an emergency that everything should really be done to help your four-legged friend, animal insurance is the method of choice.

Timely completion important

Animal insurance does not cover costs that are calculated for treatments based on existing illnesses or health problems. You cannot take out animal insurance for treatments that are already in progress. This also applies to consequential damage that occurs, for example, after an accident that was already before the start of the contract. 

Many animal insurance companies also set a waiting period of between one and three months. The insurance cannot be taken out during this time. The reason for this is that insurers want to protect themselves from misuse and ensure that they do not have to pay for illnesses or damage that originated before the contract was valid.

Not usable for hereditary diseases

Many dog and cat breeds have typical diseases that occur more often due to their breed. The animal insurances do not cover such illnesses! However, there are exceptions which, in return for higher premiums, also cover the costs of treatments based on hereditary diseases. If you know that your dog or cat is at greater risk than usual for certain diseases, you should You in completing the Pet insurance look closely and protect yourself accordingly. Then it can make sense to add an extra charge to the premium if the often very expensive therapies are covered.

Conclusion: definitely rely on pet insurance!

If you are not surprised by high costs, but also want to look forward to unexpected veterinary bills, animal insurance is the method of choice. Complete this as early as possible because most insurers only accept healthy animals. In addition, the premiums for young dogs or cats are usually even lower.

If you have decided to avoid high costs when visiting the vet and want to rely on animal insurance, you should consider the offers for Compare pet insurance, Only then is it advisable to take out such insurance!

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