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How Much Does Pet Insurance Cost in Germany?
Pets bring joy and companionship, but they also come with financial responsibilities. In Germany, two main types of insurance help protect owners: dog liability insurance (Hundehaftpflicht), often required by law, and pet health insurance, which covers veterinary costs. Both can shield pet owners from unexpected expenses and ensure their animals receive proper care.
How Much Does Pet Insurance Cost in Germany? At a Glance…
- Types of insurance: Dog liability insurance (third-party liability) and pet health insurance (medical expenses).
- Who needs it: Liability is especially important for dog owners (often legally required); health insurance is optional but recommended for dogs and cats.
- Cost range: Dog liability insurance costs typically range from €50 to €150 per year, depending on coverage, breed, and state requirements. Pet health insurance costs vary from around €20 to €70 per month, depending on the pet’s age, breed, and chosen coverage level.
- Key factors: Pet’s age, breed, pre-existing conditions, insurance provider, and scope of coverage.
- Why important: Protects against financial burden from accidents, sudden illness, or third-party damage.
- Expats benefit: English-language providers like Getsafe and Feather simplify the process with digital contracts and support.
Contents
Premiums shown are reference quotes for a standard profile (breed risk group RG1, age 3) and may differ by animal, breed and age. As of 2026.
Cat Surgical Protection
4.8
Perfect
€22.13
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €22.13 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| Unlimited annual reimbursement for eligible operation costs. Covers operations due to illness or accident, veterinary costs for diagnosis leading to an operation, surgical preparation, aftercare, and medication connected to the operation. Reimbursement up to 4× GOT, including emergency service fee. Selected additional benefits have separate sublimits. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per year) |
| Fixed selectable deductible of €0, €150, or €250 per insurance year. This is not a percentage deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Surgical Coverage
4.8
Perfect
€16.02
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €16.02 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| No annual maximum benefit limit for operation costs. Covers medically necessary operations, including the last pre-operative examination, diagnostic work needed for the operation, surgery under full or partial anesthesia, and follow-up treatment after surgery. Reimbursement up to 3× GOT as standard and up to 4× GOT for emergency veterinary service, including emergency service fee. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 84 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 20% / €250 (per year) |
| Optional 20% deductible available if the cat is aged up to and including 5 years at contract start; capped at €250. If a deductible is agreed, it is deducted from each insurance case. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Surgical Coverage
4.7
Very good
€21.69
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €21.69 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| No annual maximum benefit limit. Reimbursement up to 3× GOT as standard and up to 4× GOT in emergencies, including surcharges for night and weekend emergency services. Direct billing with the veterinarian is available on request. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 108 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per year) |
| Optional 20% deductible available if the dog is aged up to and including 5 years at contract start. The deductible is capped at €250. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Surgical Coverage
4.4
Good
€4.31
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €4.31 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| Lassie OP insurance covers medically necessary operations for the insured animal under full or partial anesthesia. The product overview lists cover up to 4× GOT, pre-operative examinations within 10 days before surgery, aftercare until the 30th calendar day after surgery, complementary post-operative treatment if recommended by a vet, special diagnostics in the OP pre- and post-treatment period, prostheses subsidy up to €500, and travel cancellation costs caused by an accident-related operation up to €500 per insurance year. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 0 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Variable deductible is selectable depending on the policy certificate. A deductible per insurance case applies according to the conditions listed in the policy certificate. If 0%, 20%, or 40% is selected, Lassie reimburses 100%, 80%, or 60% of eligible costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Surgical Coverage
4.4
Good
€5.10
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €5.10 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| Lassie’s OP insurance covers medically necessary operations in unlimited amount. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 0 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Variable deductible is selectable: 0%, 20%, or 40%. Lassie therefore reimburses 100%, 80%, or 60% of eligible costs within the insured scope. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Mini Full Protection
4.4
Good
€17.14
Premium/month (from)
100 %
Reimbursement
unlimited
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €17.14 |
| Reimbursement rate | 100% |
| Coverage per year | unlimited |
| Mini full protection covers medically necessary operations and illness/accident treatment. Mini has an annual benefit limit for illness and accident treatment costs, around 1,035 EUR, while Mini, Midi, and Maxi have no annual benefit limit for operation cover. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 0 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Variable deductible is selectable: 0%, 20%, or 40%. Lassie therefore reimburses 100%, 80%, or 60% of eligible costs within the insured scope. The deductible applies per insurance case according to the insurance certificate. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Comfort Surgical Coverage
4.3
Good
€6
Premium/month (from)
100 %
Reimbursement
€5,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €6 |
| Reimbursement rate | 100% |
| Coverage per year | €5,000 |
| OP-Schutz Comfort for dogs has an annual maximum benefit of €5,000. Reimburses medically necessary operations under partial or full anesthesia, operation-preparatory diagnostics leading to surgery, post-operative treatment up to 15 days after surgery, post-operative medication/materials up to 15 days, and clinic accommodation up to 15 days after surgery. If a deductible is selected, the reimbursement rate is reduced accordingly. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 95 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Deductible is selectable between 0%, 10%, and 20%. If a deductible is agreed, it is deducted from each claim event. A 20% deductible means Getsafe reimburses 80% of insured costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Comfort Surgical Coverage
3.8
Good
€6
Premium/month (from)
100 %
Reimbursement
€3,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €6 |
| Reimbursement rate | 100% |
| Coverage per year | €3,000 |
| OP-Schutz Comfort for cats has an annual maximum benefit of €3,000. Covers medically necessary operations under partial or full anesthesia, operation-preparatory diagnostics leading to surgery, post-operative treatment up to 15 days after surgery, post-operative medication/materials up to 15 days, and clinic accommodation up to 15 days after surgery. If a deductible is selected, the reimbursement rate is reduced accordingly. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 95 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Deductible is selectable between 0%, 10%, and 20%. If agreed, it is deducted from each claim event. A 20% deductible means Getsafe reimburses 80% of insured costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Protection
3.7
Satisfactory
€47.22
Premium/month (from)
100 %
Reimbursement
€10,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €47.22 |
| Reimbursement rate | 100% |
| Coverage per year | €10,000 |
| Surgery cover for operations due to illness or accident; annual cap applies. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per year) |
| Deductible can reduce the contribution; selected services may not apply the deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Comfort Full Protection
3.4
Satisfactory
€6
Premium/month (from)
100 %
Reimbursement
€5,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €6 |
| Reimbursement rate | 100% |
| Coverage per year | €5,000 |
| Vollschutz Comfort for dogs has an annual maximum benefit of €5,000. This applies to both operations and non-surgical treatments within tariff limits. Covers medically necessary operations, diagnostics, non-surgical curative treatments, medication, post-operative treatment, and clinic accommodation. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 95 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Deductible is selectable from 0% / 10% / 20%. If agreed, it is deducted from each claim event. A 20% deductible means Getsafe reimburses 80% of insured costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Plus Surgical Coverage
3.4
Satisfactory
€7.42
Premium/month (from)
80 %
Reimbursement
€2,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €7.42 |
| Reimbursement rate | 80% |
| Coverage per year | €2,000 |
| Basis Plus reimburses 80% of eligible operation costs up to €2,000 per insurance year. Covers operations due to illness or accident within the tariff rules, diagnostics/examinations on the day of surgery, clinic accommodation after surgery up to 10 days, and post-operative treatment/medication up to 14 days. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 20% / €250 (per case) |
| Basis Plus has a 20% deductible, with a minimum deductible of €250 per insurance case. This means hepster covers 80% of eligible costs, and the customer pays at least €250 per claim where the deductible applies. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Comfort Full Protection
3.3
Sufficient
€6
Premium/month (from)
100 %
Reimbursement
€3,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €6 |
| Reimbursement rate | 100% |
| Coverage per year | €3,000 |
| Full health insurance for healthy cats under 8 years old at contract start. Covers medically necessary operations, non-surgical treatments, diagnostics, medication, clinic stays, telemedicine, a one-time prevention allowance, and worldwide temporary cover up to 12 months. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 95 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Deductible is selectable between 0%, 10%, and 20%. If agreed, it is deducted from each claim event. A 20% deductible means Getsafe reimburses 80% of insured costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog BasisDirekt Full Protection
3.1
Sufficient
€43.39
Premium/month (from)
100 %
Reimbursement
€0
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €43.39 |
| Reimbursement rate | 100% |
| Coverage per year | €0 |
| BasisDirekt includes free choice of veterinarian, reimbursement up to 3× GOT, and up to 4× GOT for emergency veterinary care. Surgery insurance benefits are included. Other treatment costs are covered up to €400, dental treatment up to €100, and preventive care up to €30. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 108 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 100% / €0 (per year) |
| If a deductible is agreed, it is deducted from each insurance case, up to 250 EUR. Preventive benefits are reimbursed up to the agreed limit without deduction of the deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat BasisDirekt Protection
3.1
Sufficient
€26.81
Premium/month (from)
100 %
Reimbursement
€0
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €26.81 |
| Reimbursement rate | 100% |
| Coverage per year | €0 |
| BasisDirekt includes free choice of veterinarian, reimbursement up to 3× GOT, and up to 4× GOT for emergency veterinary care. Surgery insurance benefits are included. Other treatment costs are covered up to €400, dental treatment up to €100, and preventive care up to €30. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 84 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| The calculator allows an optional deductible selection, from 0-250 EUR. If a deductible is agreed, it is deducted from each insurance case. Preventive benefits are reimbursed up to the agreed limit without deduction of the deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Feather Dog Health Insurance Plus
3.0
Sufficient
€50
Premium/month (from)
100 %
Reimbursement
€800
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €50 |
| Reimbursement rate | 100% |
| Coverage per year | €800 |
| The Plus plan has unlimited surgery cover, but an overall annual limit of €800 for the full-health part of the plan. Vet treatments and medication are covered up to €800, dental up to €150, and preventive care up to €70. Coverage percentage can be 80% or 100%, depending on the selected reimbursement/deductible option. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 71 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Feather shows coverage percentage options of 80% or 100%. If 80% coverage is selected, the customer effectively pays 20% of eligible costs. If 100% coverage is selected, there is no percentage deductible. Pricing may change based on selected deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Feather Cat Health Insurance Plus
3.0
Sufficient
€50
Premium/month (from)
100 %
Reimbursement
€800
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €50 |
| Reimbursement rate | 100% |
| Coverage per year | €800 |
| The Plus plan has unlimited surgery cover, but an overall annual limit of €800 for the full-health part of the plan. Vet treatments and medication are covered up to €800, dental up to €150, and preventive care up to €70. Coverage percentage can be 80% or 100%, depending on the selected reimbursement/deductible option. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 71 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Feather shows coverage percentage options of 80% or 100%. If 80% coverage is selected, the customer effectively pays 20% of eligible costs. If 100% coverage is selected, there is no percentage deductible. Pricing may change based on selected deductible. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Full Coverage
3.0
Sufficient
€28.64
Premium/month (from)
100 %
Reimbursement
€3,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €28.64 |
| Reimbursement rate | 100% |
| Coverage per year | €3,000 |
| Basis covers operations and treatments up to a yearly maximum benefit of €3,000. Reimbursement can be selected as 80% or 100%. Includes the benefits of surgical protection tariffs plus additional treatment coverage. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| The deductible depends on the selected reimbursement rate. If 100% reimbursement is selected, there is effectively no percentage deductible. If 80% reimbursement is selected, the customer pays 20% of eligible costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Basis Full Protection
3.0
Sufficient
€29.17
Premium/month (from)
100 %
Reimbursement
€3,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €29.17 |
| Reimbursement rate | 100% |
| Coverage per year | €3,000 |
| Basis covers treatments and operations up to a yearly maximum benefit of €3,000. Reimbursement can be selected as 80% or 100%. Includes the benefits of PANDA OP protection tariffs plus additional full-health treatment coverage. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 84 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| The deductible depends on the selected reimbursement rate. If 100% reimbursement is selected, there is effectively no percentage deductible. If 80% reimbursement is selected, the customer pays 20% of eligible costs. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Basis Plus Surgical Coverage
3.0
Sufficient
€2.71
Premium/month (from)
80 %
Reimbursement
€1,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €2.71 |
| Reimbursement rate | 80% |
| Coverage per year | €1,000 |
| Basis Plus reimburses 80% of eligible operation costs up to €1,000 per insurance year. Covers operations under full or partial anesthesia, operation-related pre-examinations from one day before surgery, clinic accommodation up to 14 days after surgery, and medication after surgery up to 14 days. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 20% / €250 (per case) |
| Basis Plus has a 20% deductible, with a minimum deductible of €250 per insurance case. This means hepster reimburses 80% of eligible costs, and the customer pays 20%, but at least €250 per claim. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Surgical Coverage
3.0
Sufficient
€9.08
Premium/month (from)
100 %
Reimbursement
€2,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €9.08 |
| Reimbursement rate | 100% |
| Coverage per year | €2,000 |
| OP-Schutz Basis has a maximum reimbursement limit of €2,000 per insurance case and year. The reimbursement percentage can be selected as 70%, 80%, or 100%. Covers medically necessary operations and OP-related costs within the tariff limits. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| The deductible depends on the selected reimbursement rate. If 100% reimbursement is selected, there is effectively no percentage deductible. If 80% is selected, the customer pays 20%. If 70% is selected, the customer pays 30%. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Basis Surgical Coverage
3.0
Sufficient
€3.26
Premium/month (from)
100 %
Reimbursement
€2,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €3.26 |
| Reimbursement rate | 100% |
| Coverage per year | €2,000 |
| OP-Schutz Basis covers operation costs up to a yearly maximum benefit of €2,000. Reimbursement can be selected as 70%, 80%, or 100%. Includes free vet and clinic choice, direct billing with the veterinarian, and 3× GOT reimbursement. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 84 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| The deductible depends on the selected reimbursement rate. If 100% reimbursement is selected, there is effectively no percentage deductible. If 80% reimbursement is selected, the customer pays 20%. If 70% reimbursement is selected, the customer pays 30%. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Mini Full Protection
3.0
Sufficient
€13.91
Premium/month (from)
100 %
Reimbursement
€1,000
Coverage / year
4×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €13.91 |
| Reimbursement rate | 100% |
| Coverage per year | €1,000 |
| Mini full protection has unlimited OP cost coverage, but a yearly benefit limit for illness and accident treatment costs. Lassie’s public dog insurance page lists Mini with €1,000 annual treatment costs and €35 annual prevention allowance. | |
| Max. GOT rate | 4× |
| Waiting period | 30 days |
| Max. entry age | 0 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 0% / €0 (per case) |
| Variable deductible is selectable: 0%, 20%, or 40%. Lassie therefore reimburses 100%, 80%, or 60% of eligible costs within the insured scope. The deductible applies according to the insurance certificate. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Dog Basis Full Coverage
3.0
Sufficient
€13.89
Premium/month (from)
50 %
Reimbursement
€2,500
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €13.89 |
| Reimbursement rate | 50% |
| Coverage per year | €2,500 |
| Basis reimburses 50% of eligible costs. Operation costs are limited to €2,500 per insurance year. Treatment costs are also limited to €2,500 per insurance year. Includes diagnostics and examinations before surgery up to one day before the operation, clinic accommodation after surgery up to 10 days, post-operative treatment/medicine up to 14 days, and a yearly health allowance up to €30. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 96 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 50% / €500 (per year) |
| Basis has 50% cost coverage, meaning the customer bears 50% of eligible costs. The tariff table states a minimum deductible of €500 per insurance year. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
Cat Basis Plus Full Protection
3.0
Sufficient
€11.53
Premium/month (from)
80 %
Reimbursement
€1,000
Coverage / year
3×
GOT rate (max.)
| Tariff & coverage | |
| Premium/month (from) Reference quote for a standard profile (risk group RG1, age 3). The actual premium depends on animal, breed and age. | €11.53 |
| Reimbursement rate | 80% |
| Coverage per year | €1,000 |
| Basis Plus reimburses 80% of eligible costs. The annual maximum is €1,000 in the first year and €2,000 from the second year. Treatment costs are covered up to €1,000 per insurance year, and operation costs are also covered up to €1,000 per insurance year in the visible tariff table. | |
| Max. GOT rate | 3× |
| Waiting period | 30 days |
| Max. entry age | 84 months |
| Excess (deductible) | |
| Excess The share of a bill you pay yourself when your pet is treated – like the deductible on car insurance. It can be a fixed amount (e.g. €50), a percentage (e.g. 20%) or both; “per case”, “per year” or “per month” says what it applies to. “none” = the tariff has no excess. A lower excess usually means a higher premium. | 20% / €250 (per case) |
| Basis Plus has a 20% deductible, with a minimum deductible of €250 per insurance case. This means hepster reimburses 80% of eligible costs, and the customer pays 20%, but at least €250 per claim. | |
| Coverage features | |
| Free vet choice | |
| Online consultation | |
| Treatment abroad (EU) | |
| Treatment abroad (worldwide) | |
| Clinic accommodation | |
| Castration / sterilisation | |
| Homeopathic treatment | |
| Traffic accident | |
| Preventive care | |
| Dental treatment | |
No tariffs match the selected options.
Pet Insurance in Germany
Pets enrich our lives, but they also bring responsibility for their well-being and medical costs. Private insurers in Germany offer pet insurance in 2 variants: pet liability insurance (Hundehaftpflicht), which is often required by law, and pet health insurance, which helps cover veterinary costs. While liability insurance protects against third-party claims, health insurance ensures pets receive proper treatment without creating unexpected financial burdens.
- Pet liability insurance: Covers personal injury, property damage, or economic loss caused by your pet for third parties; in some states, it is mandatory.
- Pet health insurance: Helps manage vet fees and covers medically necessary veterinary treatment (diagnostics, surgery, prescribed medications, preventive care).
Pet insurance in Germany provides peace of mind by reducing these risks. For dog owners in particular, combining liability and health insurance is often the best way to safeguard both finances and the pet’s health.
Pet Liability Insurance in Germany
Pet liability insurance in Germany is relevant for dogs, horses, and some other larger animals.
In Germany, dog liability insurance (Hundehaftpflicht) is not just a practical safeguard but, in several federal states, also a legal requirement. States like Berlin, Hamburg, Lower Saxony, and Thuringia mandate this form of liability insurance for all dog owners, while others only require it for specific dog breeds classified as dangerous. Even where it is not compulsory, many landlords or municipalities still require proof of coverage when granting a rental contract or issuing a dog license.
What Dog Liability Insurance Covers
A dog can unintentionally cause significant harm — from a small accident at a veterinary clinic to a serious case of personal injury after a bite. Dog liability policies cover:
- Property damage, e.g., chewing furniture, damaging cars or bicycles
- Injuries to people, e.g., dog bites or accidents caused by a running dog
- Damage to other animals, e.g., injuries during fights
- Financial losses, e.g., if the dog causes someone to miss work
The sum insured typically ranges into the millions, ensuring sufficient insurance coverage even for the most severe cases.
Expert Tips for Dog Liability Insurance in Germany
Private liability insurance does not cover damages caused by dogs. Without a dedicated dog liability insurance, the owner must bear all resulting costs themselves. To avoid financial risks, it is crucial to choose a policy with a high sum insured – at least €5 million, better €20 or even €50 million. This is particularly important in cases of personal injury, where compensation and medical expenses can amount to millions.
Optional Add-ons
Depending on the insurer, dog liability insurance can be expanded with useful extras:
- Rental property damage: A must-have for tenants, as landlords often demand proof of this coverage.
- Puppy protection: Newborn dogs are automatically included in the first months in their mother’s policy (typically up to 1 year or until they leave your household)
- Worldwide coverage: Extends your policy to include travel abroad with your dog.
- Unintentional mating: If a male dog mates with a female without the owner’s permission, the owner of the female dog may claim the costs of pregnancy and veterinary care.
Common Limitations
No matter how extensive the policy, there are always restrictions. Being aware of them helps dog owners avoid gaps in protection.
- Own property and family: If your dog damages your furniture or injures someone in your household, this is not covered.
- Intentional behaviour: Claims are rejected if damage is caused deliberately or through repeated gross negligence.
- Professional or high-risk use: Activities such as commercial breeding, guarding, or racing typically require specialized contracts and are excluded from standard policies.
- Restricted breeds: Some insurance providers limit or refuse cover for dangerous breeds such as the pit bull terrier or American Staffordshire terrier.
Costs and Influencing Factors
The cost of pet insurance liability coverage is relatively affordable compared to other types of insurance in Germany. Typical annual premiums range from €50 to €150, influenced by:
- Breed and potential risk classification
- Level of comprehensive coverage (domestic only vs. worldwide coverage)
- Chosen deductible and co-payments
Pet Health Insurance in Germany
While liability insurance protects third parties, pet health insurance secures your pet’s well-being and shields you as an owner from high veterinary costs. In Germany, tariffs differ significantly depending on whether they only cover surgery or provide broader protection.
Scope of Coverage
There are two main types of policies:
- Surgery insurance: These plans focus exclusively on covering surgical procedures and related expenses. They do not automatically include diagnostics, aftercare, or hospital stays unless the contract explicitly mentions them.
- Comprehensive tariffs: These extend beyond surgery-only plans and are designed to cover comfort as well as medical necessity. Depending on the chosen model, they can cover a wide range of veterinary services, including preventive care, dental treatments, and even alternative therapies.
Monthly Pet Insurance Cost Estimates in Germany
| Insurance Type | Best For | Typical Monthly Cost | What It Covers |
|---|---|---|---|
| Dog Liability Insurance | All dog owners (often legally required) | €3 – €8 | Damage your dog causes to third parties (injuries, property damage). |
| Dog Surgery Insurance | Protecting against high, unexpected surgery costs. | €10 – €25 | Only the costs directly related to surgical procedures. |
| Dog Health Insurance | Comprehensive, all-around protection for vet bills. | €30 – €90+ | Surgeries, routine vet visits, check-ups, medication, and diagnostics. |
| Cat Health Insurance | Comprehensive protection for indoor or outdoor cats. | €15 – €40 | Surgeries, vet consultations, check-ups, and preventative care. |
Expert Tip: Review Surgery Tariffs carefully
Based on my professional experience, surgery-only tariffs should be reviewed with great care. It is essential that the policy also includes diagnostics, pre- and post-operative care, prescribed medications, and — if necessary — hospitalisation in a veterinary clinic. Otherwise, owners may face high additional costs even though they thought their dog or cat was insured.
Covered Treatments (of Comprehensive Tariffs)
Comprehensive pet health plans typically include vet costs for:
- Surgical procedures and emergency surgeries
- Diagnostics such as imaging, laboratory tests, and veterinary consultations
- Hospitalisation and post-operative care in a veterinary clinic
- Prescribed medications and ongoing treatment
- Preventive services, including vaccinations or modern options like vet video consultations
- Dental work and specialised medical procedures in higher-level plans
Exclusions
Like private health insurance for humans, pet health insurance always comes with limitations. The most common exclusions are:
- Pre-existing conditions at the time of signing the policy
- Certain specific dog breeds with a high genetic risk for certain diseases, depending on the insurer
- Cosmetic or non-essential treatments
- Costs related to breeding
- Older pets: Most providers only accept animals up to a certain age, usually between 7 and 9 years at the start of the contract.
Cost Ranges and Premiums
The pet insurance cost in Germany for health cover varies by pet type, breed, and scope of protection:
- Around €20–€40 per month for cats and smaller dogs
- Around €40–€70 per month for larger breeds or older animals
Premiums are influenced by the pet’s age, breed, medical history, chosen tariff, deductible, and the level of reimbursement. Higher premiums usually apply if the pet already has known health issues or if comprehensive coverage is selected.
Cost Factors for German Pet Insurance in Detail
The pet insurance cost in Germany depends on several key aspects:
- Age of the pet: Young animals typically receive lower monthly premiums, while older pets may face higher premiums or may not be accepted at all.
- Breed risks: Certain dog breeds with a history of genetic health issues may be more expensive to insure, and some may be excluded from pet health coverage. Some providers of dog liability insurance do not accept so-called dangerous dog breeds.
- Pre-existing conditions: Illnesses diagnosed before the contract are not covered. Owners must verify which medical care and veterinary costs are eligible expenses.
- Scope of coverage: Surgery-only tariffs are more affordable but limited, while comprehensive coverage, including diagnostics, medication, and broader veterinary care, comes at a higher cost. There are also coverage differences in dog liability insurance.
- Deductibles & reimbursement: Lower deductibles mean more protection but higher costs; higher deductibles reduce the premium but increase the owner’s share of expenses.
- Waiting period: Most policies have a general waiting period for planned treatments, while emergencies are usually covered immediately. No or short waiting periods help you save costs.
- Insurance providers: Reputable insurance companies may charge slightly more, but they ensure clear contracts, reliable reimbursement, and smooth handling of vet bills.
Best Pet Insurance Providers for Expats
Finding reliable cat and dog insurance in Germany can be confusing for newcomers, especially when contracts and claims procedures are only available in German. 2 providers stand out for their international orientation and clear product design: Getsafe and Feather.
Both companies offer dog liability insurance as well as cat and dog health insurance, and both provide a lifelong guarantee in their health plans — meaning that once insured, the animal remains covered for life.
Getsafe
Getsafe is a fully digital insurer and one of the best pet insurance companies in Germany. Policies can be managed entirely via app, with transparent terms available in English. The company offers dog liability insurance that meets all legal requirements in the German federal states, as well as flexible pet health insurance.
Their health tariffs include not only standard accident and illness coverage but also dental treatments and alternative methods such as physiotherapy or acupuncture. Customers can choose between surgery-only and comprehensive coverage, with the option to include preventive care as well. For many expats, this combination of flexibility, modern digital processes, and clear communication makes Getsafe a particularly attractive choice.
Feather
Feather also specializes in making insurance in Germany accessible for internationals. The company also provides dog liability insurance and pet health insurance for cats and dogs. Policies are easy to set up online, claims can be submitted digitally, and customer support is available in English.
Feather’s health insurance plans are designed to cover essential veterinary care and include a lifelong guarantee once a pet is insured. While the scope of coverage is more straightforward than Getsafe’s, expats value the clarity of the conditions and the dedicated focus on international clients.
Expert Insight
Based on my professional experience with insurance providers in Germany, Getsafe and Feather are among the best pet insurance companies for expats. Both combine modern digital processes with clear English support, making it much easier to purchase pet insurance without the risk of misunderstandings. For newcomers to Germany, this combination of accessibility and transparency can be decisive.
Conclusion
Pet insurance is not just an optional add-on but an important part of responsible ownership in Germany. Dog liability insurance protects owners against potentially ruinous claims and is even mandatory in several states. Pet health insurance, on the other hand, secures access to high-quality veterinary care without creating unexpected financial burdens.
Based on my experience as an expert in the German insurance market, the most common mistakes occur when owners underestimate exclusions, such as pre-existing conditions, or overlook waiting periods.
Carefully reviewing the details of each insurance policy is essential, especially for expats who may not be familiar with the local system. For anyone considering the pet insurance cost in Germany, investing time in comparing tariffs and coverage will pay off — both financially and for the health of your pet.
Providers like Getsafe and Feather have proven that digital processes and English-language support make a real difference for international pet parents. Getsafe, in particular, offers excellent value for money for its pet insurance policies.
Frequently Asked Questions — FAQ
Expats should look for insurance providers that offer English-language contracts and clear information on exclusions such as pre-existing conditions or age limits. Choosing one insurer for both liability insurance and pet health insurance can simplify administration and sometimes unlock discounts. This ensures transparent insurance coverage and easier access to quality veterinary care.
Yes. Although dog liability insurance and pet health insurance are separate products, combining them with the same insurance provider can be advantageous. Many insurers offer package discounts and the benefit of managing all contracts under one roof. This not only saves money but also makes claims handling easier and more transparent.
No. In Germany, private liability insurance automatically covers small animals such as cats, rabbits, or birds, but dogs are explicitly excluded. This is why a separate dog liability insurance policy is required. Without it, dog owners are legally liable for any damages their pet causes, without any upper limit.