Why Premium Stability Is Crucial in Pet Insurance 🐶🐱
Rising veterinary costs are one thing; rapidly increasing insurance premiums as your pet ages are another. While many pet insurance providers in Switzerland adjust premiums based on your pet’s age, simpego Pet does not have age-based premium tiers.
Discover our fair age-based rate and avoid premium increases that occur every two years. Thanks to our loyalty program, you can save a lot of money each year.
It’s an indescribably wonderful feeling to welcome a little puppy or a cute kitten into the family. The first few weeks fly by, and before you know it, that little whirlwind becomes an integral part of your life. But just as surely as our four-legged friends grow, so too does the risk of a visit to the vet—or, in the worst case, to the animal hospital.
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Age-at-enrollment rate: Your premium remains stable over the long term—no automatic age-based rate increases every two years.
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Significant Savings: The potential savings amount to several thousand francs over the course of your pet’s entire life.
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Early Start: Comprehensive coverage for puppies and kittens is available starting at 8 weeks of age.
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Full coverage: Accident coverage with no waiting period and annual reimbursement of healing costs up to CHF 12,000.
To protect themselves from high veterinary bills, many new pet parents in Switzerland take out insurance. That’s an excellent decision! But what many don’t realize until years later is that with most providers, the premium automatically increases as the pet gets older. Suddenly, the insurance becomes a massive financial burden.
This is exactly where simpego’s premium stability comes into play. We’ll explain why it’s extremely worthwhile to take a closer look and how you can avoid recurring premium increases every two years by getting insurance through simpego.
The Cost Trap in Old Age: When Your Pet Insurance Premium Goes Up 📈
Many pet insurance providers in Switzerland use what are known as age brackets. An example from a competitor illustrates this clearly: Here, premiums are generally increased whenever your dog or cat reaches a certain age. With many providers, these premium increases usually occur every two years well into old age—often until the dog’s 11th birthday—at which point the premium finally stabilizes.
What may seem like a good deal at first can turn out to be very costly over the course of your pet’s entire life. After all, your pet will need medical care more often as it gets older—and just when you need the insurance most, the cost of the monthly premium rises dramatically. On top of that, many insurance companies set a maximum age for taking out a new policy. The older your pet gets, the harder it becomes to switch insurance companies.
Dog Insurance – Premium Example: Labrador Retriever
- simpego: Comprehensive coverage with a coverage limit of CHF 12,000 per year, a deductible of CHF 0, and a percentage excess of 0% (20% for children 9 years and older).
- An example from a competitor: Premium plan with unlimited coverage, CHF 250 deductible, 10% excess
Source: Official dog insurance rate schedule from a Swiss competitor (as of June 8, 2026)
Cat Insurance – Premium Example: European Shorthair Cat
- simpego: Comprehensive coverage with a coverage limit of CHF 6,000 per year, a deductible of CHF 0, and a percentage excess of 0% (20% for children 9 years and older).
- An example from a competitor: Premium plan with unlimited coverage, CHF 300 deductible, 10% excess.
Source: Official cat insurance rate sheet from a Swiss competitor (as of June 8, 2026)
The simpego model:
Loyalty and early protection pay off 💙
At simpego, we do things differently. Our approach is as simple as it is fair:
We use what’s known as the “age-at-application” rate.
What is a “final age” rate?
✨ Your pet’s age at the time you take out the policy determines the base premium—and this premium won’t increase just because your four-legged friend gets a year older. ✨
Your benefits with the simpego final rate plan:
- No age-related premium increases: Your pet gets older, but your insurance premium doesn’t.
- High predictability: You already know today what expenses you can expect in five or eight years.
- Fairness: We won’t penalize you for letting your dog or cat grow old by your side.
A brief but important note on transparency
Of course, we also make general adjustments, for example, due to general inflation or rising veterinary costs in Switzerland. The key difference, however, is that we don’t raise your premium just because your pet is getting older.
Early Coverage: With simpego, your baby is insured starting at 8 weeks 🍼
Another extremely important advantage of simpego has to do with the start of life. Many providers have a waiting period before they’ll even accept young animals. With many competitors, for example, you often can’t insure your new family member until they’re at least 3 months old.
At simpego, we know that the first few weeks in a new home can be exciting—and sometimes a little chaotic. That’s why you can get comprehensive coverage for your puppy or kitten with us starting at 8 weeks of age. Early coverage pays off, because it ensures that any treatments needed during this critical initial phase are also covered.
Conclusion: That’s why consistent budget predictability is so important 📊
If you want to avoid premium increases that occur every two years, simpego’s model is much more predictable and less stressful. If you’re looking at your pet’s entire lifespan, simpego offers an absolutely reliable cost structure. Given the sometimes massive premium increases at many competing providers that use age-based tiers, simpego is often the significantly more affordable and stress-free choice in the long run.
Being able to plan your budget consistently is worth its weight in gold when you have pets. That way, you can focus entirely on what really matters: enjoying carefree moments with your furry friend—whether you’re cuddling on the couch or going for a bike ride together.
Are you ready for insurance that thinks ahead and stays fair? Calculate your personalized premium now with just a few clicks and see for yourself!
Dog Insurance
| 🥇 Simpego’s Age-Based Rate | ⚠️ Age-based rates from the competition |
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🐶 Labrador Retriever
Comprehensive Coverage, coverage amount CHF 12,000.– / year, deductible CHF 0.–, percentage excess 0% (20% for dogs 9 years and older).
CHF 97.65/month,
consistently stable (CHF 1,171.80/year)
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🐶 Labrador Retriever
Premium Plan with unlimited coverage, deductible of CHF 250, percentage excess of 10%.
Premium increases:
Up to 3x more expensive as the dog ages
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Cat Insurance
| 🥇 Simpego’s Age-Based Rate | ⚠️ Age-based rates from the competition |
|---|---|
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🐱 European Shorthair Cat
Comprehensive Coverage, coverage amount CHF 6,000.– / year, deductible CHF 0.–, percentage excess 0% (20% starting at age 9).
CHF 42.05 / month,
permanently stable (CHF 504.60 / year)
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🐱 European Shorthair Cat
Premium Plan with unlimited annual coverage, deductible CHF 300, percentage excess 10%.
Premium Increases:
Premiums rise steadily with age
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With providers that set rates based on age groups, premiums rise dramatically as your pet gets older. simpego protects you from this cost trap. Thanks to the fair “age at enrollment” rate, you pay a stable premium throughout your pet’s life.
- Over the course of your pet’s life, your potential savings amount to several thousand Swiss francs.
Our tip: Find out more while your pet is still young, or calculate your stable pet insurance premium right away.
Why are veterinary costs rising?
Why are vet visits getting more and more expensive? Listen to our latest Animal Health Talk and find out how you can best protect both your wallet and your pet with the right insurance.
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