About the Company

The Swiss pet insurance market is heavily underinsured, and the existing offering is often inadequate. As pet parents ourselves, we were not convinced by the solutions available.
That is exactly why we founded Calingo. Together with Swiss veterinarians, we developed a modern insurance solution that truly meets the needs of pet parents.

More than three years ago, we entered the Swiss market with our pet insurance. By the end of 2025, we had already built a portfolio of CHF 8.5 million in recurring premiums.

But Calingo goes beyond insurance. With our health platform, we want to support pet parents in actively strengthening the health of their beloved companions. We identify risks early and actively promote pet health to deliver real added value.

Company at a Glance

• Traction: More than 12,000 dogs and cats are already insured with Calingo. With over 800 new policies per month, our customer base continues to grow dynamically.

• Attractive market: There are 2.5 million dogs and cats in Switzerland, yet fewer than 10% are insured. The pet market is not only growing strongly, but is also highly crisis-resistant.

• Strong distribution partners: In distribution, we collaborate with strong brands such as Allianz Suisse, SWICA, Coop, Qualipet and Brack.ch, as well as a network of more than 200 veterinary practices.

• Renowned investors: Zürcher Kantonalbank, six investors from Die Höhle der Löwen, including Roland Brack abd Bettina Hein, as well as leading Swiss and European VCs have invested in Calingo.

• Technology: Our proprietary AI platform, combined with veterinary professionals, enables vet bills to be paid out in under 5 days.

• Today’s insurance: Our product is 100% digital and offers the most comprehensive coverage in the market, including coverage for pre-existing conditions.

Benefits for Co-Owners and Investors

As a co-owner of Calingo, you are investing in Switzerland’s fastest-growing pet insurance provider, backed by renowned partners and investors, and in a strongly growing market with very low market saturation.

Attractive Swiss pet market

The number of dogs and cats is increasing significantly. At the same time, the insurance penetration rate for pet insurance in Switzerland is below 10%, while in countries such as the UK or Scandinavia, up to 90% of dogs are insured.

With around 2.5 million dogs and cats in 42% of Swiss households and steadily increasing demand, the market offers enormous growth potential. This trend is driven in particular by Millennials, who are increasingly becoming pet parents, as well as by an ageing population, for whom pets are becoming more important.

Due to high operational complexity and significant barriers to entry, there are only a few pet insurance providers in Switzerland. Calingo is ideally positioned to seize this attractive market opportunity and continue scaling. The fact that many Swiss insurers prefer to partner with Calingo rather than build their own solution underlines these barriers to entry and strengthens Calingo’s position in the Swiss market.

Successful online campaign “Press paws”

Validated by the market and investors

What is particularly relevant for investors is that Calingo has already significantly reduced the typical uncertainty of an early-stage company. The product is established in the market, product-market fit has been achieved, and more than 12,000 dogs and cats are already insured with Calingo.

In addition, renowned investors such as Zürcher Kantonalbank, six investors from Die Höhle der Löwen, as well as leading Swiss and European VCs, strengthen confidence in the company and its continued growth strategy.

Scalable business mode

Calingo has a scalable business model with two strong growth channels. In B2B2C distribution, we work with established partners such as Allianz Suisse, SWICA, Coop, Qualipet, Brack.ch and over 200 veterinary practices. At the same time, we acquire customers directly through B2C channels, with efficient acquisition costs.

As an insurance provider, Calingo is also based on recurring revenue. On average, a pet is insured with us for five years. Through recurring premium income, Calingo has a predictable revenue model with long-term earnings potential.

Break-even and exit plans

With the current financing round, we aim to further accelerate growth and reach break-even at the beginning of 2027. For investors, this represents an attractive risk-reward profile.

We are already seeing strong interest in Calingo from insurance companies across the DACH region due to our strong growth and positioning in the market. Reaching profitability will further increase this interest. The planned exit window is currently between 2027 and 2028.

Milestones

Testimonials

"The pet market in Switzerland is booming, and Calingo recognised early on the potential of a modern, digital pet insurance solution. The goal now is to make Calingo the market leader together — and that is exactly where I am providing my support."

Roland Brack, Founder of Brack.ch & Judge on Die Höhle der Löwen Schweiz

"Working with Calingo is the ideal complement to our offering and creates real added value for our customers. We particularly value the straightforward, partnership-based collaboration, as well as Calingo’s high quality standards and innovative strength."

Fabian Boffa, CEO Qualipet AG

"We are convinced that pet insurance is the ideal way to complement our offering and provide our customers with real added value. We particularly appreciate our shared values and the focus on modern, customer-oriented solutions."

Dr. Joy Müller, Head of Market and Member of the Executive Board at SWICA

"The pet is a family member for many people. Brands that genuinely embody this understanding have enormous potential. Calingo is one of them."

Dr. Felix Bertram, Founder of Skinmed & Judge on Die Höhle der Löwen Schweiz

Our Vision - Why invest in Calingo ?

Calingo was founded with the vision of enabling all pets to live long and happy lives. We do not want to support pet parents only once vet bills arise, but to start earlier and empower them to actively promote the health of their four-legged family members.

The market offers an attractive starting point. Pets play an important role in Swiss families, yet fewer than 10% of dogs and cats are insured. Calingo addresses this potential with a digital insurance model, strong B2B2C partnerships and efficient direct customer acquisition.

With the Calingo health platform, we are building a data-driven ecosystem that identifies risks early and makes prevention practical for everyday life. This creates a business model that improves pet health, generates lower costs for Calingo and creates added value for all stakeholders.

An investment in Calingo means becoming a co-owner of a startup where the product, market and distribution have already been validated. Renowned partners and established investors underline the strength of our business model.

Our goal is clear: to scale Calingo into Switzerland’s leading provider of pet insurance and pet health.

FAQ

What exactly does Calingo do?

Calingo offers digital pet insurance for dogs and cats. We develop the product, acquire customers, support them and process submitted vet bills — all on our own infrastructure. The insurance risk itself is carried by a licensed insurance partner, in our case Allianz Suisse.

This allows us to fully focus on delivering a simple, digital and customer-centric insurance experience.

How does Calingo make money?

Calingo receives compensation from its insurance partner for the services we provide. These include, for example, product development, distribution, customer service, technology and the processing of submitted vet bills.

In addition, we are building further recurring revenue streams with the Calingo health platform:

• Non-customers will be able to use the platform through a paid subscription model in the future.

• Another revenue channel is created through product recommendations and direct sales on the platform. Suitable prevention and care products will be offered directly via the platform.

Why did you choose crowdinvesting as a financing option?

Calingo regularly receives investment enquiries from customers, partners and pet lovers who would like to become part of our journey, but whose investment amount does not fit into a traditional financing round.

With crowdinvesting, we are now creating the opportunity for many people to participate and become true co-owners of Calingo. This strengthens our community, creates natural multipliers for our growth and allows our network to participate directly in Calingo’s success.

To give as many people as possible the opportunity to participate, we have set the minimum investment at CHF 360 and the maximum investment at CHF 50,000 per person. This ensures that Calingo is supported by a broad base of new co-owners.

Why is now the right time to invest?

Calingo has significantly reduced the most important early-stage risks: product-market fit has been achieved and Calingo has established itself as a pet insurance provider. By the end of 2025, major B2B partnerships with Allianz, Coop and Generali were concluded, which will further accelerate growth in 2026.

At the same time, the number of pets in Switzerland is growing, as is the importance of dogs and cats within their families. However, the pet insurance market remains far from saturated and therefore offers significant growth potential.

For investors, this creates an attractive entry opportunity: after successful market validation, but before the next major value inflection point and the planned exit window between 2027 and 2028.

How did you determine the company valuation?

The valuation of CHF 20 million is based on a combination of current business performance, customer growth, strategic positioning, strong partnerships and benchmarks from the insurtech and pet insurance market.

A common valuation method in this sector is applying a multiple to the premium volume. Depending on market position, growth and strategic attractiveness, we see market multiples of around 2–4x. Calingo had a premium volume of CHF 8.3 million by the end of 2025; by the end of 2026, a premium volume of CHF 15 million is budgeted.

What do I get as an investor?

Investors participate economically in the company and benefit from a potential increase in value in the event of an exit. Details of the structure, such as the investment instrument and terms, are clearly defined in the investor document.

Do I receive voting rights?

No. The crowdinvesting is structured as an economic participation. Voting rights remain with the existing shareholders to ensure fast and efficient decision-making processes.

Do I receive dividends?

No, no dividend distributions are planned in the medium term. Our focus is clearly on growth and reinvesting in the further scaling of Calingo.

The primary return driver for investors is therefore a potential increase in value in the event of a later exit.

Is an exit planned?

Yes. An exit is part of our strategic planning. We are already seeing strong interest in Calingo from insurance companies across the DACH region.

Our goal is to scale Calingo significantly further over the coming years, reach break-even and thereby further increase its attractiveness for strategic buyers. An exit is currently targeted for the period between 2027 and 2028.

Register now and become a co-owner of Calingo. Together, we are revolutionizing the Swiss pet health market.