Getsafe Pet Insurance — Review for Expats

Introduction

Getsafe has established itself as one of Germany’s leading digital-first insurers. The company has been featured in international media as one of Germany’s fastest-growing InsurTechs. Its reputation rests on fast digital processes, transparent policies, and customer satisfaction.

Unlike a traditional insurance company, Getsafe does not operate as a classic insurance broker; instead, it works with established partners and underwriters. The company focuses on a user-friendly approach that combines the reliability of large insurers with the flexibility of a modern tech firm.

Everything is managed in English through the Getsafe app — from onboarding to filing claims — which eliminates the need for endless phone calls and paperwork. For expats, this approach provides clarity, speed, and language support for English speakers in a market often dominated by complex German contracts.

Getsafe offers a comprehensive portfolio of digital policies, including private health insurance, occupational disability insurance (also known as income protection insurance), private pension insurance, a children’s savings plan, legal insurance, home contents insurance, and personal liability insurance. This makes Getsafe one of the few digital providers aiming to cover nearly all everyday risks for internationals in Germany.

For pet owners, Getsafe provides 2 essential policies: dog liability insurance and pet health insurance for dogs and cats. For them and other digital-savvy pet parents, the Getsafe business model offers a unique combination: accessible digital services in English, transparent insurance coverage, and robust financial security against high costs. I examined the Getsafe pet insurance in detail.

Getsafe Dog Liability Insurance

For dog owners in Germany, liability insurance is not only one of the most important protections — in many states, it is also mandatory by law. Getsafe offers one of the strongest packages in this segment, with high limits and no breed restrictions. For your furry friend, this kind of protection is a must-have.

Coverage Details

• The Premium policy covers up to €50 million for accidental damages caused by your dog, including personal injury, property damage, and financial losses.
• No breed restrictions: All dog breeds and mixes are eligible for insurance — a major difference from many competitors, who may exclude so-called dangerous dog breeds.
• Worldwide coverage: Unlimited within Europe, valid up to 5 years for stays abroad.
• Professional dog care included: Even if your dog injures someone while in the care of a professional dog sitter or walker, the insurance covers it. Most other pet insurance providers only accept claims if the dog was under private care.

Tariff Options

Getsafe offers 2 tariff levels (no deductible by default):

• Comfort: Coverage sum €20 million, bail coverage abroad €250,000.
• Premium: Coverage sum €50 million, bail coverage abroad €500,000; includes coverage for rented or borrowed items up to €5,000/year (rental damages included in both tariffs) and new-for-old replacement for items purchased within the past 12 months (up to €3,000)

Optional deductibles per claim to lower the premium:

• With a €150 deductible: Comfort, €59.33/year; Premium, €68.25/year.
• With a €300 deductible: Comfort €48.87/year; Premium €56.20/year.

Policies become active one day after sign‑up, with all steps handled in the app.

My Test of Getsafe Dog Liability Insurance

I own both a dog and a cat, and for my dog, I was already looking for reliable liability insurance. After reviewing different providers, Getsafe convinced me with its combination of digital processes, strong coverage, and no breed restrictions. In the end, I decided to insure my dog with Getsafe. For me, the Comfort tariff was completely sufficient — and I believe it will also cover the needs of most dog owners.

Beyond my perspective as a dog owner, I also bring my professional expertise as a financial journalist, having tested and compared insurance products for expats in Germany for many years. This combination of firsthand testing and professional background enables me to evaluate what Getsafe does well and identify its potential limitations.

Sign-up

The sign-up process was very straightforward and convincing. I received a binding offer for my dog in under 5 minutes, and everything was handled digitally through the Getsafe app. The questionnaire is refreshingly short and only asks for the following information:

• Name of the dog
• Breed (or mix; if unknown, you can state “unknown”)
• Whether you have had dog liability insurance in the past 5 years
• How many claims occurred during that time (0–3 or more)
• Whether a previous pet liability insurer ever cancelled a liability policy
• Whether you want to include optional add-ons

Notably, the dog’s age is not requested at all. Once the details are entered, the offer appears instantly in the app, and the policy can be completed right away.

My impression: fast, clear, and free of the paperwork that usually makes German insurance contracts so tedious.

Claim Handling & Customer Feedback

Since I haven’t had to file a claim myself, I looked into customer experiences to see how Getsafe performs in practice. Based on honest feedback from customers, the process is described as fast and straightforward. The overall feedback is very positive:

• Fast response times: Most dog owners report receiving confirmation within a few hours or 1-2 days after submitting a claim.
• Simple process: Claims can be filed directly in the app, with photos and documents uploaded in seconds.
• Quick settlements: Straightforward cases, such as minor property damage, are often resolved within 1 to 2 weeks.

Some customers note that more complex cases — for example, larger personal injury claims — can take longer and sometimes require extra documentation. However, overall, the consensus is that Getsafe offers a modern, app-based claims process with good service and clear communication, which is more efficient than traditional insurers.

My Experience

From my perspective, Getsafe combines exactly what expats in Germany need: a clear, fully digital sign-up, strong coverage, and the reassurance of being protected even in unusual situations, such as damages caused while your dog is with a professional sitter.

For my dog, the Comfort tariff struck the right balance between price and protection. What stood out to me is that the policy comes with virtually no limitations compared to many other insurers, which makes it a very straightforward choice.

Pros & Cons — Getsafe Dog Liability Insurance

Getsafe Pet Health Insurance

Pet health insurance can protect owners from the often high costs of veterinary treatments. Getsafe offers a digital-first solution, with 3 flexible cat and dog health insurance plans starting at €6 per month. All policies can be managed entirely through the app, making it an expat-friendly option that combines clear benefits with ease of use.

Coverage Details

Getsafe provides three plans: Surgery Comfort, Full Cover Comfort, and Full Cover Premium.

• Surgery Comfort covers surgery-related treatments, including diagnostics, such as X-rays, and medication, with annual limits of €5,000 for dogs and €3,000 for cats. Basic dental procedures (extractions, root treatments) are included.
• Full Cover Comfort adds non-surgical treatments, preventive allowances, and prosthesis support, with the same annual limits of €5,000 (dogs) and €3,000 (cats).
• Full Cover Premium removes annual limits altogether and adds extras, including dental protection, alternative therapies, and higher preventive care allowances.

The right plan for your pet depends on their individual needs. Pet owners seeking affordable yet solid protection will typically find Full Cover Comfort sufficient, while Premium is ideal for those who want unlimited reimbursement and additional benefits.

Price examples (without deductible, age 2, mixed breed/freeroaming cat):

• Dog: Surgery Comfort €25.88 / Full Cover Comfort €75.96 / Full Cover Premium €101.02 per month
• Cat: Surgery Comfort €8.57 / Full Cover Comfort €32.84 / Full Cover Premium €43.68 per month

By choosing a deductible of 10% or 20%, premiums can be reduced significantly. However, the “from €6” entry price only applies to a cat insured under the Surgery Comfort plan. For dogs, even the basic plan is considerably more expensive. I insured both my dog and my cat in the Full Cover Comfort plan with a 20% deductible.

Other key points:

• Waiting periods: None for accidents and telemedicine, 1 month in general, 12 months for certain conditions.
• Age limit: New contracts are possible up to the age of 8.
• Worldwide coverage: Included for both cats and dogs.
• Exclusions: Pre-existing conditions, non-medically necessary treatments (e.g., cosmetic procedures or corrections of breed standards), congenital or hereditary diseases

My Test of Getsafe Pet Health Insurance

The application process mirrors what I experienced with Getsafe’s liability insurance. In the app, I was asked only a handful of questions: the animal’s name, whether it was a dog or a cat, breed or mix (with “unknown” as an option), shoulder height for mixed dogs, the pet’s age, and my birthdate as policyholder. The system then generated instant offers for all 3 tariffs, allowing me to choose both the plan and the deductible.

The process was quick and clear, taking less than 5 minutes. Policies can take effect the day after sign-up or at a date of your choice, and all documents are delivered digitally.

Claim Handling

So far, I have only submitted 2 minor claims: routine vaccinations reimbursed through the annual allowance, and a small injury to my cat that required stitches. In both cases, the process was easy. The first time, the support team guided me through the steps via chat. The reimbursement was processed quickly, and it was easy to pay through the app without delays.

Customer feedback, which I researched, paints a similar picture:

• Positive reports highlight the simple app process, fast confirmations, and quick payouts for smaller bills — sometimes within just a few working days.
• Critical reports note that complex or expensive cases can take longer, and additional documentation (such as a full medical history) may be requested.
• Overall impression: Getsafe’s claim process is modern and user-friendly. Satisfaction is high when reimbursements are straightforward; delays mainly occur in complex cases.

For expat pet owners, the 2 things that matter are cost and convenience — and Getsafe delivers on both with fair pricing and a simple digital process.

My Experience

For my pets, Full Cover Comfort with a 20% deductible struck the right balance between price and protection. The digital experience was smooth, the claims I filed were processed quickly, and the policy itself has very few limitations compared to traditional providers.

Overall, Getsafe offers a strong, expat-friendly solution that makes managing pet health insurance refreshingly simple.

Pros & Cons — Getsafe Pet Health Insurance

Getsafe Pet Insurance — Value, Service, Usability

Getsafe positions itself as a lean and highly digital insurer that appeals especially to expats in Germany. Policies are easy to understand, the app simplifies onboarding and claim handling, and English-language support reduces the complexity of German insurance paperwork. Compared to traditional insurers, Getsafe stands out with fewer limitations, strong coverage options, and a modern, user-friendly approach.

Pros & Cons — Getsafe Pet Insurance (Overall)

Conclusion

Getsafe offers a modern, expat-friendly alternative to traditional insurers. Liability insurance impresses with high coverage and no breed restrictions, while pet health insurance provides flexible plans and a straightforward digital experience. Overall, Getsafe is a strong choice for expats who value clarity, convenience, and reliable protection for their pets.

Frequently Asked Questions — FAQ