01
Duty of acceptance
Insurers may not refuse animals based on breed, age or pre-existing conditions. Every dog, cat or other companion animal is insurable.
The insurance model
The care system for animals
The proposed legal framework rests on four pillars. Together they guarantee that every companion animal is insured, that necessary care is covered and that costs are shared in solidarity.
02
Mandatory basic package
Cover for acute care, preventive care (vaccinations, neutering/spaying) and regular consultations. The package is defined together with veterinary associations.
03
Linked to the microchip
Enforcement runs through mandatory microchip registration at purchase or birth. Registration and insurance become a single administrative step.
04
Social correction mechanism
An animal care allowance or income-related premium prevents the obligation from becoming a financial burden for owners on a low income.
Risk analysis & mitigation
Risk
Resistance from commercial insurers and veterinary chains due to expected price regulation.
Mitigation
Involve veterinary associations early in designing the reimbursement system, comparable to the role of the healthcare authority in human care.
Risk
Political reluctance because of the perception of an added burden on citizens.
Mitigation
Demonstrate with hard figures that preventive care and insurance drastically lower the societal cost of shelters, enforcement and stray animals.