Calingo
Calingo Insurance AG is a Zurich-based digital insurance intermediary offering pet accident and health insurance for dogs and cats in Switzerland through direct-to-consumer channels and B2B2C embedded distribution via breeders, vets, and pet shops, with underwriting risk carried by Allianz Suisse.
- Company typePrivate
- Founded2021
- HeadquartersNiederweningen, Switzerland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Calingo does
Calingo Insurance AG is a Zurich-based digital insurance intermediary (gebundener Vermittler) registered under FINMA (CHE-482.680.199) that specializes in pet accident and health insurance for dogs and cats in Switzerland. Founded in 2021 and operating from Reinhardstrasse 19 in Zurich, the company runs a digital-first platform across pet.calingo.ch, pet-claims.calingo.ch (FNOL/claims), and pet-closing.calingo.ch (policy issuance), supporting online quotation, purchase, and digital claims submission in German, French, Italian, and English. As a bound insurance intermediary, Calingo designs, distributes, and services the products while underwriting risk is carried by its insurance partners—transitioning from Simpego to Allianz Suisse effective January 2026. The company has reached over 10,000 customers with reported 3x growth between 2023 and 2024, and operates with a team of approximately 25 people.
Calingo firmographics
Firmographics- Name
- Calingo
- Legal name
- Calingo Insurance AG
- Website
- https://calingo.ch
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Calingo Insurance AG is a Zurich-based digital insurance intermediary offering pet accident and health insurance for dogs and cats in Switzerland through direct-to-consumer channels and B2B2C embedded distribution via breeders, vets, and pet shops, with underwriting risk carried by Allianz Suisse.
- Ownership category
- akta.pro rank
Calingo industry classification
Industry- Product category
- Pet Insurance
- NAICS
- Pet Care (except Veterinary) Services (81291)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)
Keywords
Where Calingo is headquartered
LocationHeadquarters
- HQ city
- Niederweningen
- HQ country
- Switzerland
- HQ region
- Europe
Offices2 records
Markets served
Calingo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Pet Insurance Premiums: Calingo earns premium revenue from pet owners (dogs and cats) who purchase accident and health insurance policies. Policyholders pay recurring premiums (monthly, quarterly, semi-annual, or annual) in exchange for coverage of veterinary costs, accidents, and illnesses. The company acts as a bound insurance intermediary, with risk carried by insurance partners (currently Allianz Suisse). Premium pricing is based on the pet's species, breed, age, gender, and chosen deductible/coverage tier. Revenue is recurring in nature as policies auto-renew annually.
- Embedded Insurance Distribution Fees (B2B2C): Calingo embeds insurance products into the value chains of distribution partners (breeders, vets, pet shops, real estate and e-commerce platforms). The company earns premium revenue when end customers of these partners purchase insurance, creating a B2B2C revenue model with partner-acquired customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Protection (Basisschutz) for dogs |
| Subscription | Monthly | Standard Protection (Standardschutz) for dogs |
| Subscription | Monthly | Full Protection (Rundumschutz) for dogs |
| Subscription | Monthly | Cat insurance (basic/standard/full) |
| Subscription | Monthly | Dog insurance deductibles |
| Subscription | Pay-as-you-go | Breeder Program Free Trial (30 days) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Calingo product offering
Product offeringCore offering
Calingo is a Swiss digital insurance platform that sells accident and health insurance for dogs and cats directly to pet owners through a fully online self-serve experience. It operates as a bound insurance intermediary (gebundener Vermittler), distributing policies underwritten by risk carrier partners (currently Allianz Suisse) while owning the customer-facing digital experience including online quotation, policy purchase, digital claims submission, and 24/7 telemedicine-based vet consultations.
Product overview
Calingo is a Swiss digital pet insurance company offering accident and health coverage for dogs and cats through a modular product architecture. The core products include Hundeversicherung (dog insurance), Katzenversicherung (cat insurance), and Haustierversicherung (general pet insurance). These are complemented by the Online Tierarzt telemedicin service (powered by Dr. Sam) providing 24/7 veterinary consultation, and Vorerkrankungen (pre-existing conditions coverage) as an optional add-on. Calingo also operates B2B partner programs including a Züchterprogramm (breeder program) offering 30-day free insurance for puppies and kittens, and a Partnerprogramm for veterinarians and pet shops. The company was founded in 2021 and has expanded from initial embedded insurance products (home, bike, pet) to focus primarily on pet insurance, now partnered with Allianz Suisse.
Differentiator
Problem solved
Functional benefit
Brands
- Pet Calingo: Digital pet insurance brand offering accident and health insurance for dogs and cats in Switzerland, including home insurance, liability coverage, online vet consultations, and coverage for pre-existing conditions.
Products and services
- Hundeversicherung (Dog Insurance) Accident and health insurance for dogs covering veterinary treatments, accidents, dental treatments, preventive care, physiotherapy, complementary medicine, emergency care, clinic stays, behavioral medicine, genetic conditions, and pet sitting. Includes 24/7 online vet consultation and worldwide protection. Sold to Swiss dog owners via self-serve online purchase.
- Katzenversicherung (Cat Insurance) Accident and health insurance for cats covering high veterinary costs such as cat flu, dental treatments, or broken bones. Includes 24/7 online vet consultation. Sold to Swiss cat owners via self-serve online purchase.
- Haustierversicherung (General Pet Insurance) General pet insurance covering both dogs and cats with accident and health coverage options. Sold to Swiss pet owners via self-serve online purchase.
- Vorerkrankungen (Pre-existing Conditions Coverage) Optional add-on coverage allowing pets with known pre-existing health conditions to be insured with additional coverage beyond standard accident and illness protection.
- Online Tierarzt (Telemedicine / Vet Consultation) 24/7 online veterinary consultation service via chat, phone, or video call, powered by Dr. Sam. Includes AI-powered initial chat triage and access to veterinary assistants and licensed veterinarians, with all vets being German-licensed with at least 5 years of experience. Chat available 24/7 in German, French, Italian, and English; video/phone consultations in German and English from 09:00–21:00.
- Hausratversicherung (Home Contents Insurance) Home contents insurance for property damage to belongings at home and while away. Sold directly via the calingo.ch website with online claims submission for damage to own property, third-party property, and third-party injury.
- Privathaftpflichtversicherung (Personal Liability Insurance) Personal liability insurance covering damage to third-party property and third-party injury, including protection against claims from third parties. Sold directly via the calingo.ch website with online claims submission.
Companies that use Calingo
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Calingo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature4 records
Calingo partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Allianz Suisse Versicherungs-Gesellschaft AGcoreCalingo transitioned its pet insurance risk carrier from Simpego to Allianz Suisse effective January 2026. Allianz Suisse provides the financial backing and regulatory framework as the risk carrier (Risikoträger), while Calingo continues to handle product development, sales, marketing, and customer service. Under the new partnership, premiums remain unchanged or become lower, worldwide coverage is included, and faster claims processing is promised. The transition is seamless for existing customers who consent to the switch.
- TractiveminorPartnership with Tractive, a GPS and health tracker provider for pets. Calingo offers free Tractive GPS & Health Tracker devices to customers who purchase pet insurance (with Tractive subscription starting from CHF 114/year). Additionally, customers can reimburse their Tractive subscription costs through Calingo's Prevention add-on coverage, creating a cross-promotional relationship.
- Dr. SamcoreDr. Sam is a German telemedicine company specializing in pet health consultations. Calingo includes 24/7 online vet consultation as part of its insurance offering, powered by Dr. Sam. The service includes AI-assisted chat (available 24/7), and live vet consultations via chat, phone, or video (available 09:00–21:00). All Dr. Sam vets are German-licensed with at least 5 years of experience. The service is available in German, French, Italian, and English.
- Swiss Dog and Cat Breeders (Breeder Network)coreCalingo's Züchterprogramm (breeder program) partners with Swiss dog and cat breeders who offer 30-day free insurance trials to new pet owners at the point of acquisition. Breeders receive a CHF 50 commission per converted customer, paid quarterly. The program includes digital onboarding materials and a streamlined process for breeders to register customers.
- Veterinary Clinics and Pet ShopsminorVeterinary clinics (e.g., Kleintierpraxis Kreis 2, Zürich; Tierarztpraxis Dalbe, Basel) and pet shops partner with Calingo to recommend insurance to pet owners. These partners act as trusted advisors, increasing customer trust and driving word-of-mouth referrals. Vet clinics receive no stated commission but benefit from increased customer satisfaction as pet owners can afford optimal care.
- Simpego Versicherungen AGminorSimpego was Calingo's previous insurance risk carrier for pet insurance. Calingo transitioned away from Simpego to Allianz Suisse starting January 2026, citing focus on pet insurance and access to more resources and flexibility.
- UNIQA Versicherung AktiengesellschaftminorUNIQA (based in Liechtenstein) was a co-insurance partner for Calingo's non-pet insurance products (home contents and personal liability insurance). UNIQA co-responsible for data processing under Calingo's original privacy policy. The partnership appears to be inactive as Calingo now focuses exclusively on pet insurance.
Scale indicators8 records
Recent moves5 records
Expansion highlights6 records
Calingo competitors and assessment
Company assessmentDirect peers
- Dalma: France-based digital pet insurance startup offering subscription-based accident and illness coverage for dogs and cats with embedded telemedicine and a mobile-first experience. Closely comparable business model and product breadth to Calingo.
- Many Pets (Bought By Many): UK-origin digital pet insurer operating across the UK, EU and US. Directly comparable as a venture-backed, digitally native pet insurance challenger built around embedded distribution and a strong brand.
- Lassie: Swedish-founded digital-first pet insurance company expanding across DACH and other European markets. Direct competitor to Calingo in offering a fully digital, multi-channel pet insurance product targeting digitally native pet owners.
Broad incumbents
- DFV Deutsche Familienversicherung: Frankfurt-listed digital insurer offering pet insurance alongside other lines in Germany. Comparable as a digitally focused insurer with a pet insurance product but operating across multiple insurance verticals rather than specializing.
- AGILA Pet Insurance: Established German pet insurance provider and a market leader in the DACH region. Comparable as a pet insurance specialist but operating at much larger scale with traditional distribution rather than Calingo's digital-first model.
- Barmenia Versicherungen: Large German mutual insurer offering pet insurance among its broader portfolio. Relevant incumbent competitor for Calingo's DACH ambitions, particularly in the German pet insurance market.
- Trupanion: Public North American pet medical insurer with a vertically integrated model. Comparable product offering (accident and illness pet insurance) and digitally enabled claims experience, though operating in a different geography.
- Helvetia Insurance: Major Swiss insurance group offering pet insurance among its broader P&C and life lines. The closest large incumbent competitor to Calingo in its home Swiss market.
Regional players
- Embrace Pet Insurance: US-based direct-to-consumer pet insurance provider focused on accident, illness and optional wellness add-ons. Comparable product structure and customization philosophy, though operating exclusively in North America.
Others
- Tractive: Austrian GPS and health-tracking pet tech company partnered with Calingo. Included as a strategic adjacent ecosystem player — not a direct competitor, but a partner and adjacent player in the digital pet care stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Calingo social profiles
Digital presenceCalingo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Calingo leadership team
Management profileNumber of profiles
Profiles3 records
Calingo funding detail
Funding detailFunding overview
Funding rounds5 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Calingo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Calingo
What does Calingo do?
Calingo is a Swiss digital insurance platform that sells accident and health insurance for dogs and cats directly to pet owners through a fully online self-serve experience. It operates as a bound insurance intermediary (gebundener Vermittler), distributing policies underwritten by risk carrier partners (currently Allianz Suisse) while owning the customer-facing digital experience including online quotation, policy purchase, digital claims submission, and 24/7 telemedicine-based vet consultations.
Is Calingo a public or private company?
Calingo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Calingo founded?
Calingo was founded in 2021. It employs 11 to 50 people.
Where is Calingo based?
Calingo is headquartered in Niederweningen, Switzerland, in the Europe region.
How does Calingo make money?
Two revenue lines are on record. Pet Insurance Premiums are the primary driver. The others are embedded Insurance Distribution Fees (B2B2C).
Who are Calingo's main competitors?
Direct peers on record are Dalma, Many Pets (Bought By Many) and Lassie. Broad incumbents are DFV Deutsche Familienversicherung, AGILA Pet Insurance, Barmenia Versicherungen, Trupanion and Helvetia Insurance. Embrace Pet Insurance is listed as a regional player. Tractive is listed as an others.
Does Calingo have an API?
No public API is recorded for Calingo.
What industry is Calingo in?
Calingo's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAA, Accident & Supplemental (Non-Life) Insurance. Its NAICS code is 81291 and its SIC code is 6321.