Your questions, our answers

wau-miau is suitable for all pet owners in Switzerland and Liechtenstein who want to provide their dog or cat with the best medical care at all times.

wau-miau provides financial protection against the risk of rising veterinary care costs and enables your beloved pets to receive medical care at any time.

With wau-miau pet insurance, you can protect yourself from the financial risks of rising veterinary care costs and ensure that your beloved pets can receive medical care at any time – without having to compromise due to unexpected costs.

Dogs or cats older than 3 months can be included in the insurance. Once covered, your pet can remain insured for the rest of its life. A health examination is required in advance for animals aged 6 or older. We therefore kindly ask you to contact us by e-mail if you wish to insure an older animal.

You take out one insurance policy per pet.  From the third animal onwards, wau-miau offers a pack discount of 10% per policy. 

Unless otherwise stipulated, wau-miau is valid worldwide. In the case of an accident or illness, coverage abroad is limited to treatments during the first 60 days of a trip. Cover commences as soon as the insurance policy is issued, but only after expiry of the respective waiting period.

The contract is concluded for a period of 365 days and each year is tacitly renewed for a further year unless it is terminated by the policyholder 90 days before the end of the insurance period.

wau-miau is focused on the security needs of dog and cat owners. The Optima product includes health and accident insurance to cover most veterinary treatment costs incl. hereditary and breed diseases. Chemotherapy and radiotherapy for the treatment of cancer are also covered. The following additional benefits complete the all-round cover: Euthanasia (putting to sleep), prescription special food and the lost & found service.

With wau-miau a free choice of vet is guaranteed. ERV recognizes practising vets with a federal diploma or therapists with an equivalent qualification. In addition, they need to belong to the following societies/associations: 
Vets: Membership of the "Swiss Veterinary Society" (SVS) 
Therapists: No special recognition required.

The costs of treatment are covered if its effect has been scientifically proven and documented.

These questions and answers do not include the entire wording or all the coverage, conditions and exclusions of the proposed insurance contracts. In each case the specific insurance contract and the General Conditions of Insurance (CGI) are decisive.

Due to rising healthcare costs in old age, the premium adjusts over the years. The premium is adjusted to the next highest age group when your pet reaches its third, fifth, seventh, ninth and eleventh birthday. Change per premium due date.

The waiting period is the period after the commencement of insurance during which no benefits are paid. The wau-miau policy has the following waiting periods:

a) Accident: 10 days after commencement of insurance
b) Illness: 30 days after commencement of insurance
d) Hereditary and/or breed-specific illnesses: 90 days after commencement of insurance

Further information on waiting periods can be found in our GCI.

PocDoc® is a platform that offers an intelligent first aid system as well as telemedical services and video consultations with vets. The PocDoc® system comprises a first aid kit and an app that interacts with it, which is also available offline. 

Quick support from emergency vets is available over the phone or by video consultation via the PocDoc® app. 

Yes, the costs of these consultations are borne by ERV and limited to five consultations per calendar year.

Further information on usage and technical support can be found at www.pocdoc.pet.ch or you can e-mail us at info@innotas.ch.

In an emergency, the app guides you through simple questions to determine the correct treatment. Each step is explained with application pictures. There are over 300 treatment steps to choose from.

The pet emergency call service assists callers in providing first aid. The telephone advice available via the pet emergency call service is generally limited to emergency assessment and advice only. The pet emergency call service is also an operations centre that helps you find clinics and practices, among other things, and advises and accompanies you on the emergency route.

You can have up to five consultations per calendar year, which are carried out by PocDoc® and ERV. Unused consultations expire at the end of the calendar year. Any further video consultations must be paid for by the policyholder. 

In the PocDoc® first aid kit you will find a QR code. Once scanned, this will take you to the Google Play Store or the Apple App Store. Once you have downloaded the app, the activation code included in the kit can be used to activate the app.

Video consultations with vets can be booked via the PocDoc® platform. These are paid for in advance by the policyholder by credit card. The invoice can then be submitted to ERV.

No, costs for telemedicine and video consultations that take place outside the PocDoc® platform will not be covered.