Cat insurances from Germany

NamePetProtectDalmaFIGOLassieGetsafeAgila
Huisdierverzekering
Popular insurance

 from € 14,84 from € 7,99 from € 7,62 from € 4,90 from € 22,14 from € 25,90
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26% choose
Pet Protect

23% choose
Dalma

21% choose
Figo pet

14% choose
Lassie

9% choose 
Getsafe

7% choose
Agila

Coverage:
Joint disease Question
Admission and stay clinic
Castration/sterilizationQuestion
Consult veterinarian
Medicines
EuthanasiaQuestion
DentistryQuestionQuestion
Operations
X-ray examination
MRIQuestion
CT scanQuestion
VaccinationQuestion
Blood testQuestion
Healthcare costs abroadQuestion
Prevention budgetQuestion
Video consultQuestion

Max. fee per year

Up to 100% cost assumption for veterinary treatments for illness or accident including outpatient and stationary treatments, surgeries and medications.

Flexible annual coverage from € 500 to unlimited

Question

€ 3000, € 6000 or Unlimited

Coverage up to unlimited veterinary expenses,

Variable

High insurance sums for outpatient and stationary treatments Question

Own risk

€ 0

No own risk Dalma covers costs with no additional contribution from the client.

€ 100, € 250 or € 500 Depending on the policy chosen.

You can choose for 0% or 20% own risk.

At 0%, Lassie covers 100% of costs within the coverage limit.

? The deductible is due on each claim; specific amounts are not stated.

€ 0 For dogs over 5 years old, a 20% co-payment applies per insurance case.

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The starting prices for cat insurance premiums typically apply to small cats. If you have a larger breed or an adult pet, expect higher monthly costs due to increased risk factors and potential medical needs.

Coverage details often depend on the insurance package you select. Basic policies might exclude certain treatments or services, such as advanced diagnostics or specialist care. In contrast, the most comprehensive insurance plans, known as “maximum coverage,” provide extensive protection, covering a wider range of medical expenses and treatments.

The prices and coverage options displayed in our comparison tool reflect the most recent updates as of November 24, 2024. Keep in mind that these details can vary between insurers and packages, so it’s essential to review terms carefully to find the best fit for your pet’s needs.

What is a cat insurance?

In turn, cat insurance is similar to dog insurance. However, cats and dogs need different care, and thus the insurance policies are also different. Both cat and cat insurance ensure that most health expenses are covered, depending on your choice of cat insurance.

What am I covered for with cat insurance?

You can insure your cat against almost any cost you incur in an accident involving your pet. The amount of coverage depends on the insurer and per package you take out. So the cheapest cat insurance is also not the best cat insurance. You can insure your cat for such things as:

  • Castration or Sterilization
  • A consultation with the veterinarian
  • Operations
  • Echo or CTI scan
  • Vaccination
  • Tumor surgery
  • Getting chipped
  • Dental cleaning
  • Eye removal
  • Amputation leg

View all cat insurance policies by provider:

Why compare cat insurance?

Through our website you can compare the different cat insurance policies and then you can easily purchase the insurance online. You purchase the insurance directly from the insurer, we just provide a tool to help you choose cat insurance. This makes it easy to see what you are or are not covered for with each insurer.

In your insurer’s policy conditions, you will find information about what is and is not covered under the basic insurance. In the policy conditions for example, these actions are discussed:

  • Admission and stay at a clinic
  • Drugs/medicines
  • Euthanasia
  • Cremation
  • X-ray examination
  • Vaccination
  • Blood test
  • Medical expenses abroad

For specific questions about coverage and treatments, you can also get in touch via social media or the insurers’ websites.

Understanding cat insurance costs in Germany

When securing cat insurance in Germany, you may notice significant variation in premium prices. These differences stem from various factors, including the insurance company, the type of coverage, and specific attributes of your cat, such as its breed, age, and gender. Understanding these elements can help you choose the right plan for your feline friend.

Key factors that affect Cat Insurance prices

  1. Insurance provider
    Different insurance companies offer unique plans and price points. Providers like Figo Pet, Pet Protect, and Dalma may offer similar base coverage but differ in additional options, premium costs, and deductible structures. Comparing policies from multiple insurers ensures you get the best value for your cat’s needs.

  2. Gender of your Cat
    Gender plays a role in determining premiums. Female cats may incur higher costs due to the potential for complications from pregnancies or conditions like uterine infections. Male cats, on the other hand, may face premiums adjusted for risks associated with specific breeds or age-related health concerns.

  3. Weight of your Cat
    Heavier cats are more prone to joint issues and related health problems, increasing the cost of insurance. Insurance providers often use weight as a metric to assess potential risks. For example, a heavier breed like a Maine Coon might carry a higher premium compared to a lighter breed like a Siamese.

  4. Age of your Cat
    Age significantly impacts insurance costs. Kittens in good health typically have lower premiums as they are less likely to suffer from chronic conditions. However, as cats age, they become more prone to illnesses like arthritis, diabetes, or kidney disease, leading to higher premiums. Some insurers may even have restrictions for insuring senior cats.

  5. Breed of your Cat
    Certain breeds are predisposed to specific health conditions. For example, Persian cats are more likely to experience respiratory and eye issues, while Siamese cats may face a higher risk of genetic disorders. This influences the premium calculation, with higher-risk breeds often carrying more expensive policies.

  6. Deductible amount
    The deductible—the amount you pay out-of-pocket before insurance coverage kicks in—also affects premiums. Lower deductibles generally mean higher monthly costs, while higher deductibles reduce the premium but require greater upfront expenses in the event of a claim. Striking a balance that fits your budget and risk tolerance is crucial.

How Insurance coverage impacts costs

Cat insurance plans typically offer two levels of coverage:

  • Basic Coverage: This generally includes accident coverage and may cover treatments for sudden injuries or emergencies. It’s often the most affordable option but excludes routine care and chronic conditions.

  • Comprehensive Coverage: This is the most extensive option, covering a wide range of treatments, from surgeries and diagnostics (like ultrasounds or MRIs) to vaccinations and preventive care. While more expensive, it provides the most security for unexpected and routine medical expenses.

Insurance company Cost per month (starting price)
Pet Protect € 9,99
Figo Pet € 6,91
Dalma € 11,95
Lassie € 17,42
Getsafe € 12,96
Santévet € 12,96

Frequently asked questions about cat insurance

View answers to the most frequently asked questions about cat insurance here.

The best cat insurance is OHRA’s cat insurance. This is the best-rated and most purchased cat insurance policy since 2023.

The cost of cat insurance varies depending on several factors, including the type of cat, the age of your cat, the level of coverage chosen and the insurance company. The starting prices of cat insurance policies are as follows:

  • Ohra from €12.28 per month.
  • Inshared from €12.28 per month.
  • Petsecur from €9.99 per month.
  • Figo Pet from €6.91 per month.
  • Aegon from €9.37 per month.
  • Univé from €9.37 per month.
  • Dierenverzekering.nl from €12.96 per month.

The age at which you can insure your cat varies depending on the insurance company and the specific plan you are considering. Currently, the following ages are used for older cats:

  • InShared accepts cats up to age 6.
  • Ohra accepts cats up to age 7.
  • Petsecur accepts cats up to 7 years of age.
  • Figo Pet accepts cats up to 6 years of age.
  • Univé accepts cats up to 10 years old.
    • If your cat is over 10 years old, Univé also offers “Accident” coverage.

Figo Pet is currently considered the cheapest cat insurance. Cat insurance is available here from €6.91 per month. However, it is important to note that many cheap cat insurance policies do not cover all medical expenses.

Ohra, Petsecur and Dierenverzekering.nl offer cat insurance with no deductible. However, this means that your cat is not insured for all coverages.