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Feather Pet Insurance — Review for Expats in Germany
Written by
Janine El-Saghir
Janine El Saghir is an editor at How-to-Germany.com, where she specializes in the practical aspects of daily life and integration for expatriates. With years of...
Reviewed by
Erkan Boga
Erkan Boga is the founder and CEO of qmedia GmbH, the publishing house behind How-to-Germany.com. He established the platform with the clear vision of creating...
Edited by
Sadie Voss
Content Lead & Editor
Sadie Voss is the Lead Editor for How-to-Germany.com. As an expat who carved her own way into Berlin from the United States, Sadie is deeply...
- 2 policies: Pet health insurance for dogs and cats, and dog liability insurance
- Best for: Expats and digital-savvy pet owners
- Coverage: Vet bills, surgery, medication, third-party damages caused by dogs
- Expat-friendly: Fully in English, digital sign-up, and claims
- Flexibility: Monthly cancellable after the minimum term; pet health insurance has an initial 1-year contract term
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.
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
Introduction
Feather has built a reputation as one of the most expat-friendly insurance providers in Germany. For pet owners, this matters because the company offers 2 essential pet insurance products: pet health insurance for dogs and cats, and pet liability insurance for dogs.
Everything is handled fully digitally, entirely in English, and designed to simplify a process that many expats find confusing in the German insurance system.
Since I own both a dog and a cat, I tested both Feather policies myself to see how they perform in practice. Beyond my perspective as a pet owner, I also bring professional expertise as a financial journalist who has been covering insurance and other financial products for expats in Germany for many years. That combination of hands-on testing and industry knowledge provides me with a clear understanding of what Feather does well and where its limits lie.
About Feather Insurance
Feather is a Berlin-based InsurTech company that specializes in creating straightforward and transparent insurance products for expats living in Germany. Instead of dealing with traditional paperwork and German-only contracts, the company provides digital sign-up, clear terms, and English-speaking support. This approach has made them a go-to option for expats seeking easy access to insurance without having to navigate the complexity of the German language and bureaucracy.
Beyond pet insurance, Feather offers a wide range of insurance plans tailored to internationals in Germany. These include private health insurance and expat health insurance, as well as advice and onboarding support for public health insurance in Germany. Other products cater to everyday needs, including bicycle insurance, household contents insurance, occupational disability insurance, and private liability insurance. Feather also provides supplementary health products for dental treatments, to avoid low-quality procedures or tooth replacement, along with legal protection, pension, and life insurance, as well as travel and car insurance.
This makes Feather one of the few digital providers with such a broad coverage, aiming to be a one-stop shop for expats navigating the German insurance market.
Strong Reputation due to Trust and Convenience
In terms of credibility, Feather has been featured in major media outlets and has built a strong reputation for prompt claim handling, transparency, and customer satisfaction.
While not a traditional insurance broker, Feather collaborates with well-established partners across various insurance sectors. This fully digital approach combines the reliability of trusted providers with the flexibility of a modern tech company. Feather acts as the digital insurance platform, while the actual insurance risk carrier or underwriter is named in the policy documents. This is important to check before signing, because the risk carrier is the company ultimately responsible for the insured risk and claims payment.
A dedicated support team is available to assist customers in English and German. Feedback from satisfied customers often highlights the simplicity of the process and the accessibility of the Feather team.
For expats and pet owners alike, this creates a balance of trust and convenience that is rarely found in the traditional German insurance market.
Among Feather’s most relevant products for pet owners are their dog liability insurance and their pet health insurance, both of which I tested in detail.
Feather Dog Liability Insurance
For dog owners in Germany, liability insurance is not only one of the most important protections — it is also a legal requirement in several federal states. Dog liability insurance is mandatory for all dogs in Berlin, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein, and Thuringia. In other federal states, it may be required for certain breeds, dangerous dogs, or dogs above specific size or weight thresholds.
Coverage Details
Feather’s dog liability insurance offers a strong package compared to many other pet insurance providers. The coverage sum reaches €20 million per claim, while many competitors limit their policies to €5 million. The insurance covers personal injury, property damage, and financial losses — the 3 standard categories required for dog liability in Germany.
The policy is priced from €5.58 per month, though the exact premium depends on the selected configuration. Feather provides clear deductible options: the dog liability policy can be configured with either no deductible or a €150 deductible per claim.
Positive aspects worth highlighting:
- Best coverage guarantee: Feather guarantees that any claim which another German dog liability insurance would accept will also be covered under their policy.
- Family members and non-professional dog sitters are automatically included.
- Puppy protection up to one year, which is useful for young dog owners.
- Worldwide coverage, even if you permanently move abroad.
These features together create a strong price-performance ratio that positions Feather as a particularly attractive option in the German insurance market.
Limitations
Anyone who chooses Feather’s liability policy should be aware of several exclusions:
- Dangerous breeds: No coverage for purebred dogs listed as “dangerous” under German law. This includes 4 nationally listed breeds (American Pit Bull Terrier, American Staffordshire Terrier, Bull Terrier, and Staffordshire Bull Terrier) plus 10 additional breeds that Feather excludes. Crossbreeds, however, can be insured.
- Glass breakage: While rental property damages are insured, glass breakage in rental apartments is not included.
- Professional dog sitters: Damages caused while dogs are in the care of professional sitters are excluded.
Transparency and Usability — Feather Dog Liability Insurance Tested
I tested Feather’s liability insurance myself and insured my dog with it. What immediately stood out was the clarity of the contract. Traditional German policies are often dense and challenging to follow, but Feather presents the terms in plain English and provides a simple digital dashboard.
Sign-up Process
Getting an offer for my dog was straightforward. Feather lets you start either via their website or the mobile app, both of which guide you through a short questionnaire.
When I applied, Feather only asked me a handful of simple questions: whether I had made any dog liability claims in the past 3 years, if a previous insurer had ever canceled my policy, and whether my dog was a mixed breed or a purebred. Interestingly, there was no follow-up question about the specific breed when I selected “mixed breed.” For Feather, the dog’s size or even partial ancestry from a so-called dangerous breed did not play a role in the offer process.
Since the dog I wanted to insure is a medium-sized mixed breed, I did not need to provide any further details. My quote came out at €6.90 per month without a deductible, or €5.58 with a €150 deductible per claim — the minimum premium for Feather’s pet insurance. I chose the deductible option, as it seemed to strike the best balance between cost and protection.
The contract was finalized completely digitally, and the policy documents were delivered directly online. I completed my sign-up on Feather’s website, but the app (available for both iOS and Android) offers the same functionality. It not only allows new policies to be taken out but also provides a convenient way to manage existing ones.
To test the whole process further, I also simulated a purebred dog. A German Shepherd could be insured under the same conditions as my mixed breed. However, when I tried to obtain a quote for an American Pit Bull Terrier, the system immediately declined the application.
Overall, the sign-up was fast, transparent, and refreshingly simple compared to many traditional insurers.
Liability Insurance Claim Handling
Submitting a claim with Feather is designed to be straightforward and fully digital. According to the company, you typically need to provide details of the incident, information about your dog, including its name, and the contact details of the affected party, along with supporting evidence such as invoices, receipts, or photos.
In my case, my dog chewed on a mattress in a holiday apartment abroad. I reported the damage through the Feather app after first clarifying the process with a customer service agent in the chat. I uploaded photos of the mattress, the required documents, and a cost estimate for replacement. The claim was processed quickly and without unnecessary back-and-forth. Within less than a week, the costs were reimbursed.
This personal experience aligns with what many customers highlight in their reviews: claims can be filed completely online, the process is transparent, and most cases are settled within a few days to 2 weeks if all necessary documents are complete. Communication is described as clear and responsive, with regular updates on the claim status.
My Experience
Overall, I found Feather’s dog liability insurance to be a highly accessible and practical solution for expats. It covers the key legal requirements, eliminates the headache of German paperwork, and provides peace of mind for everyday risks, such as dog bites and other third-party damages caused by dogs. For most dog owners, the policy offers the right balance between simplicity, affordability, and comprehensive coverage.
That said, some competitors, such as Getsafe, offer even higher limits of up to €50 million and fewer exclusions. Feather remains a strong choice, especially for expats who want fast, digital service and worldwide coverage. A few negative experiences do exist, typically related to complex claims or missing documents; however, the consensus is that Feather focuses on quick and uncomplicated digital claim handling.
| Provider | Best for | Liability coverage | Pet health flexibility | English support |
|---|---|---|---|---|
| Feather | Expats who want simple digital sign-up and English support | €20 million per claim for dog liability | Simple Surgery and Plus plans with 80% or 100% reimbursement | Yes |
| Getsafe | Expats who want very high liability limits and flexible app-based cover | Up to €50 million depending on plan and configuration | Flexible health-plan options depending on the selected pet policy | Yes |
Pros & Cons — Feather Dog Liability Insurance
- Best coverage guarantee for claims
- Fast, fully digital sign-up and management
- High coverage sum of €20 million per claim
- Puppy protection up to one year
- Worldwide coverage, even when moving abroad
- Glass breakage in rental apartments is not covered
- No coverage for purebred “dangerous” dogs
- Professional dog sitters excluded
- Some competitors offer higher limits of up to €50 million
Feather Pet Health Insurance
For pet owners, the biggest financial risks often come from unexpected vet bills. Feather offers a dedicated health insurance policy for dogs and cats, split into 2 simple plans. Vet bills and medical costs are reimbursed — Feather cat and dog health insurance helps to ensure access to medical care without financial stress.
Coverage Details
Feather keeps its coverage options simple. Pet owners can choose between 2 tariffs:
- Plus plan (from around €50–91 per month): offers more comprehensive coverage, including consultations, preventive care, medication, and dental treatments.
- Surgery plan (from around €14–35 per month): Basic coverage for surgeries and related treatments, including diagnostics, medication, post-operative care, and physiotherapy. Hospital stays after surgery are also covered under the Surgery plan.
Choosing the right coverage depends on whether you prioritize surgery-only protection or everyday treatments.
Reimbursement can be set at 80% or 100%. In practical terms, this means you choose either 20% self-retention or 0% self-retention. Waiting periods are moderate: none for accidents, 1 month for standard treatments, and 6 to 18 months for certain special conditions.
Surgeries are covered in both plans without a cap; however, the Plus plan has annual limits for veterinary treatments, including a total of €800, €150 for dental care, and €70 for preventative care, which includes annual check-ups and preventative treatments. Physiotherapy is included with up to 10 sessions of 30 minutes each per year.
Coverage is available for pets from 8 weeks old until before their 6th birthday at sign-up, with lifetime continuation once insured. A pet that is already 6 years old or older is not eligible for a new Feather pet health insurance policy. Worldwide coverage is included for up to 12 months — useful for expats who travel or relocate.
Feather uses dynamic pricing for pet health insurance. Premiums increase when the pet reaches certain age milestones, including ages 1, 3, 5, 7, and 9. This means younger pets may start with lower premiums, but long-term budgeting should include future age-related price increases.
Feather is transparent about pre-existing conditions that cannot be insured. These include, for example, diabetes, hip or elbow dysplasia, and most allergies (except for food allergies, which are covered). Other chronic or congenital issues, like growing tumors or malformations, are also excluded.
Another limitation is the relatively low annual reimbursement cap in the Plus plan. It is presented as one of Feather’s comprehensive plans, but in reality, it does not offer comprehensive coverage due to the €800 yearly cap. Even though reimbursement extends up to GOT 4 (the maximum fee scale for vets in Germany), the cap may still be reached quickly.
German vets bill according to the Gebührenordnung für Tierärzte (GOT), the official veterinary fee schedule. Depending on the complexity, time, and urgency of treatment, vets may charge a multiple of the base rate. Emergency treatment, night visits, weekend care, and complex procedures can become expensive quickly. Coverage up to 4x GOT is important because it helps protect against high emergency invoices, but annual limits still matter: if your plan has a low yearly cap, you can still run out of reimbursement even when the GOT multiplier itself is covered.
Transparency and Usability — Feather Pet Health Insurance Tested
I explored the offer process in Feather’s app, which took only a few minutes to complete. The system asked whether the pet was a mix or purebred, with breed requested if purebred, the dog’s shoulder height, and the pet’s age.
For my medium-sized mixed breed dog, 1.5 years old, the quote came to €18.43 per month (Surgery plan, with 20% self-retention) and €53.30 (Plus plan, with 20% self-retention). With 100% reimbursement, the prices would rise to €21.68 (Surgery) and €62.64 (Plus).
I did not include six-year-old dog or cat quotes in this review because pets must be enrolled before their 6th birthday. A dog or cat that is already 6 years old is not eligible for a new Feather pet health insurance policy, so simulated new-customer prices for six-year-old pets would be misleading.
For cats, Feather’s pricing also depends on age. A 1.5-year-old mixed-breed cat would cost €14.60 (Surgery with 20% self-retention) or €39.86 (Plus with 20% self-retention). With 100% reimbursement, the monthly costs would be about €17.50 (Surgery) and €47.80 (Plus). However, these prices should not be read as permanent: cat premiums can increase at Feather’s age milestones of 1, 3, 5, 7, and 9 years.
Overall, the offer process was smooth, transparent, and fast. I did not finalize a contract due to the relatively low annual limits, but the experience confirmed Feather’s digital-first approach.
This review is based on a real dog liability sign-up, a liability claim experience, and pet health quote-flow checks for eligible pets. Quotes can change by pet age, breed, size, reimbursement level, and product configuration. Screenshots from the quote flow or dashboard should be added to the live page if available, with personal data blurred.
Health Insurance Claim Handling
Although I did not personally file a health insurance claim with Feather, the process is identical to filing a liability claim: invoices from the vet can be submitted directly through the app or web portal. Based on my experience with the liability policy and customer feedback, claims are typically processed quickly and transparently, with reimbursement often completed within a few days to 2 weeks once documents are submitted.
My Experience
Feather’s pet health insurance is easy to understand, simple to manage, and tailored to expats who need English-language support. The Surgery plan is a good value for those mainly concerned with major emergencies. The Plus plan adds everyday treatments and preventive care, but the €800 annual cap limits its usefulness for pets with chronic or expensive conditions.
For younger, generally healthy dogs and cats, Feather provides a fair balance of affordability and coverage. But for pet owners seeking truly comprehensive coverage, the low annual limits and future age-related premium increases are clear drawbacks.
Pros & Cons — Feather Pet Health Insurance
- Quick, digital sign-up via app or website
- Simple 2-plan structure (Surgery & Plus)
- Surgeries unlimited, reimbursement up to 100%
- Transparent exclusions (pre-existing conditions listed)
- Worldwide coverage for up to 12 months
- Eligibility restricted to pets under 6 years at sign-up
- Key pre-existing conditions (e.g., diabetes, dysplasia, most allergies) are not covered
- Limited added value in the Plus plan if a serious illness occurs
- Plus plan capped at €800 per year
- Premiums can increase at milestone ages of 1, 3, 5, 7, and 9
Feather Pet Insurance — Usability, Service & Value
One of Feather’s biggest strengths is its digital-first approach. Both the app and the online portal are intuitive, allowing me to manage policies, submit claims, and upload documents quickly. In my test, the claim process was smooth and transparent, with regular updates and no unnecessary paperwork.
Customer service is another strong point. Support is available in English and German, which makes a real difference for expats. I found the responses quick and helpful, both in the app chat and via email.
In terms of value, Feather positions itself as a modern alternative to traditional insurers. While the absolute coverage limits may not always reach the levels of larger providers, the combination of transparency, ease of use, and worldwide coverage makes it very appealing. I would recommend Feather especially for expats, digital-savvy customers, and frequent travelers who prioritize simplicity and English-language support over complex add-ons.
Before signing, customers should check the policy documents for the current risk carrier, deductible or reimbursement configuration, waiting periods, renewal rules, and long-term premium increases. This is especially important for pet health insurance because age-related premium jumps can make the policy more expensive over time.
Pros & Cons — Feather Pet Insurance (Overall)
- App and website available in English
- Fully digital insurance process (sign-up, management, claims)
- Good balance of affordability and ease of use
- Transparent policies and clear exclusions
- Worldwide coverage included in liability and health plans
- Health insurance Plus plan capped at €800 per year
- Limited options for pets aged 6 or older at sign-up
- No coverage for purebred “dangerous” dogs
- Pet health premiums can increase as pets age
- Professional dog sitters and glass breakage are excluded from liability
- Some competitors offer higher liability limits of up to €50 million
Conclusion
In this Feather insurance review, I found that Feather makes pet insurance simple, digital, and expat-friendly. Dog liability comes with strong coverage, clear deductible options, and worldwide protection, while pet health insurance offers fair value for younger pets but limited yearly caps and age-based premium increases. Overall, Feather is best suited for expats and digital-savvy pet owners who want clarity, speed, and ease of use, especially if they understand the age limits, reimbursement options, and long-term pricing before signing.
Frequently Asked Questions — FAQ
Yes. Both liability and health insurance include worldwide coverage. For health insurance, coverage applies for up to 12 months abroad, while liability insurance also protects you if you permanently move outside Germany.
Accidents are covered immediately, while standard treatments have a 1-month waiting period. Special conditions, such as hip dysplasia or certain surgeries, may have waiting periods of 6 to 18 months.
No. Like other insurance providers, Feather excludes several pre-existing conditions. These include diabetes, hip or elbow dysplasia, and most allergies. Food allergies, however, are covered.
Yes, in the Plus plan. Dental insurance is limited to reimbursements up to €150 per year, as part of the overall annual cap of €800.
For dog liability insurance, contracts can be cancelled monthly. For pet health insurance, the minimum contract term is 1 year. You can cancel with a monthly notice thereafter. Importantly, once insured, Feather offers a lifetime health insurance guarantee for your pet.
Yes. Both the Surgery and Plus plans are available for cats as well as dogs. Liability insurance, however, only applies to dogs, since cats and small pets are normally covered under personal liability insurance in Germany.