Dog insurances from Germany

NamePet ProtectDalmaFIGOLassieGetsafeAgila
Huisdierverzekering
Popular insurance

 from € 18,75 from € 7,99 from € 9,70 from € 8,45rom € 24,24 from € 25,90
View insuranceView insuranceView insuranceView insuranceView insuranceView insurance

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
Dentistry QuestionQuestion
Operations
X-ray examination
MRIQuestion
CT scanQuestion
VaccinationQuestion
Blood testQuestion
Healthcare costs abroadQuestion
Healthcare costs abroadQuestion
Prevention budget Question
Video consult

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 pet insurance premiums typically apply to small dogs. 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 dog insurance?

In Germany, the dog insurance market is well-developed and focuses on two primary types of coverage: dog health insurance and dog liability insurance. Both provide peace of mind but serve different purposes, and understanding these distinctions can help you make the best decision for your pet.

Dog Health Insurance

Dog health insurance covers medical expenses for your pet, ensuring you can access treatments without worrying about unexpected veterinary bills. Similar to human health insurance, these policies may offer:

  • Basic plans, covering accidents and emergency care.
  • Comprehensive policies, including surgeries, diagnostics (like MRIs or CT scans for dogs), vaccinations, and preventive care.
    Health insurance for dogs often depends on factors like age, breed, and pre-existing conditions. A puppy, for example, may benefit from coverage that includes vaccinations and parasite treatments, while older dogs might need plans covering chronic conditions or surgeries. In Germany, providers like Figo Pet, Getsafe, and Dalma offer tailored plans for different stages of a dog’s life.

Dog Liability Insurance

Dog liability insurance is mandatory for some breeds in Germany and highly recommended for all dogs. It protects owners against third-party claims if their dog causes injury or property damage. This type of insurance can cover legal fees, medical expenses for injured parties, and repair costs, ensuring you’re financially protected in unforeseen situations. Pet Protect, Lassie, and Getsafe offer competitive liability policies, some of which can be bundled with health insurance for added convenience.

Dog Insurance Germany
Insurance company Costs per month (Starting price)
Pet Protect € 18,75
Dalma € 7,99
Figo Pet € 9,70
Lassie € 8,45
GetSafe € 11,95
Agila € 25,90
Barmenia € 26,83
Santévet € 12,96
BarmeniaDirekt € 9,90
Bavariadirekt € 10,23
AXA € 12,96

Coverages of Dog health Insurances

You can safeguard your dog with comprehensive insurance that covers a wide range of treatments and medical needs, offering financial protection for unexpected situations. The extent of coverage depends on the provider and the specific plan you choose. Some examples of what dog insurance can cover include:

  • Pyometra (uterine infection)
  • Fractures and broken bones
  • Hormonal treatments like chemical sterilization
  • Veterinary consultations and examinations
  • Advanced imaging, such as MRI, CT, or ultrasound (echo)
  • Surgeries for conditions like umbilical or inguinal hernias
  • Liver shunt correction surgery
  • Procedures for spinal issues, such as cervical or lumbar disc herniations
  • Luxating patella (kneecap dislocation) treatment
  • Eye-related surgeries, including cataract removal
  • Euthanasia in severe, untreatable cases
  • Preventive care, including vaccinations and parasite treatments
  • Anesthesia and sedation during procedures
  • Hypodermic injections for medications or treatments

 

Additionally, many plans allow optional coverage for routine and wellness care, providing support for annual check-ups and preventive medications. Dog insurance ensures peace of mind by making it easier to afford even the most unexpected veterinary expenses, allowing you to prioritize your pet’s health without financial stress.

Why take a dog insurance?

Research shows that 19% of German households own at least one dog. Dogs are beloved companions, providing joy and unconditional love. Imagine traveling with your family and dogs to the south of France in your caravan. While you’ve likely prepared everything for the humans in your family, unexpected medical needs for your pets could arise during your trip.

While minor issues like tick removal might be manageable at home, more serious health problems require professional attention. For example, a sudden illness due to the change in climate, an infection, or even an injury like a broken leg could result in substantial veterinary bills. Advanced diagnostics, medications, or surgeries can cost thousands of euros, making unexpected vet visits a significant financial burden.

Dog insurance provides comprehensive coverage for such situations, allowing you to focus on your pet’s recovery rather than worrying about the costs. Many policies not only cover emergencies but also routine care, including vaccinations, parasite prevention, and check-ups, which help ensure your dog remains healthy year-round.

Laws around dog insurance vary by country. In Germany, liability insurance is required for certain breeds and highly recommended for all dog owners. Beyond liability, health insurance for dogs is a valuable safeguard, especially if you frequently travel or have an active dog prone to accidents. By comparing dog insurance policies, you can choose one tailored to your needs, ensuring peace of mind for you and top-notch care for your beloved dogs.

View all dog insurance policies by provider:

Key factors influencing dog insurance costs in Germany

When selecting dog insurance, understanding the factors that influence premiums can help you make a well-informed decision. Here’s a detailed breakdown of the key considerations:

Factors that affect dog insurance prices

  1. Gender of your dog
    Female dogs (bitches) often have slightly higher premiums than male dogs. This is due to their susceptibility to conditions like uterine infections and pregnancy-related complications, which require more frequent medical attention.

  2. Weight of your dog
    Larger dogs or those with higher body weights are more prone to injuries such as fractures or joint problems, leading to increased insurance costs. For example, a heavier Chihuahua will likely incur a higher premium than a lighter one. Similarly, large breeds like Dobermanns, which are naturally heavier, also face higher premiums.

  3. Age of your dog
    Age is a crucial factor in determining premiums. Puppies in excellent health typically have lower premiums, whereas senior dogs, which are more prone to chronic illnesses and injuries, are more expensive to insure. Certain insurers, such as Petplan, may even restrict coverage for dogs beyond a specific age.

  4. Breed of your dog
    The breed significantly impacts premiums due to breed-specific health risks. For instance, larger breeds like Dobermanns are at greater risk for heart and joint issues, making their policies more costly than those for smaller breeds like Chihuahuas. Comparison tools allow you to find breed-specific premiums, and some even offer customized modules for popular breeds like French Bulldogs or Jack Russells.

  5. Deductibles in your policy
    Most dog insurance plans include a deductible, which directly influences your monthly premium. A low deductible (e.g., €10) results in higher premiums, while a high deductible (e.g., €1000) reduces the monthly cost. Opting for a balanced deductible ensures affordability while avoiding excessively high out-of-pocket expenses.

Choosing the right policy for your Dog

Each dog is unique, and the best insurance depends on factors like age, breed, and health status. Active dogs or those frequently traveling may need extended coverage, while senior dogs could benefit from comprehensive policies that cover chronic conditions.

Providers in Germany, such as Dalma, Lassie, and Pet Protect, offer various plans that cater to different needs. Comparing policies tailored to your dog’s characteristics ensures you find the most suitable coverage.

Additional Resources

Explore our website for more information on dog breeds, care tips, and even finding the perfect dog names. By combining the right knowledge and tools, you can secure the best care and insurance for your dog.

Frequently asked questions about dog insurances

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

Dog insurance is health insurance for dogs. Dog insurance covers your dog’s medical expenses. Unlike health insurance for humans, dog insurance is not mandatory.

Dog insurance can provide coverage for different types of medical expenses and health care for your dog, depending on the specific plan you choose. Here are the typical coverages you can expect in a dog insurance policy: accidents, medical expenses, surgical procedures, medications, vet visits, diagnostic test, recovery therapies, dental care. and alternative therapies

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

The cost of dog insurance varies depending on several factors, including the type of dog, the age of your dog, the level of coverage chosen and the insurance company. The cost of dog insurance is from €8.80 per month at Figo Pet.

Dog insurance is usually calculated based on several factors, such as your dog’s age, breed, sex, location, coverage level, deductible, maximum benefit and coverage options.

Figo Pet currently has the cheapest dog insurance. Dog insurance is available here from €8.80 per month. However, it is important to note that many cheap dog insurance policies do not cover all medical expenses.

A good dog insurance policy can vary greatly depending on several factors, including your personal needs, budget and your dog’s health. Consider coverage, costs, waiting periods, ratings, vet network, restrictions and customer service.

Getting dog insurance is a personal decision and depends on several factors. You can get dog insurance for the: financial security, peace of mind, preventive care options and freedom of choice in veterinarians. It’s better not to get dog insurance for the: monthly cost, self-funding, exclusions/limitations and risk assessment.

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

  • InShared accepts dogs up to 6 years of age.
  • Ohra accepts dogs up to 7 years old.
  • Petsecur accepts dogs up to 7 years old.
  • Figo Pet accepts dogs up to 6 years old.
  • Univé accepts dogs up to 8 years old.
    • If your dog is older then Univé also offers “Accident” coverage.

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

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