Pet Health Insurance
Last update: 15 May 2022
Your dog has a cold or your cat has diarrhea for unexplained reasons? You want to know quickly how bad it is and what you can do without having to make a long trip to the vet? Then the pet health insurance is right for you! You can get uncomplicated veterinary help around the clock, 365 days a year. Whether it’s for minor issues or emergency care – simply use the service of the pet or dog health insurance companies presented below to book a consultation with experienced veterinarians.
Pet health insurance in comparison
Pet health insurance covers certain services that the vet charges you for.
Here you will find different variants of pet insurances in Germany, which not only convince with low premiums, but also with insurance coverage tailored to your needs. Here you will get exactly the animal health insurance that meets your requirements. These providers insure dogs, cats, rabbits and more.
Dog Insurance Germany – Top 3 Insurance Providers
Below you will find a summary of pet health insurance providers in Germany that offer good value for money and are easy to deal with.
- Cost coverage up to 20.000 €
- Free choice of vet
- No limitation on breeds
- 100 € care bonus
- Fast online application
- Up to 4 times the GOT rate
- Without long health check
- Incl. 100€ health flat rate
- Up to 100% reimbursement
- Incl. operations
- Worldwide insurance cover
- Free choice of vet and clinic
Pet Health Insurance – Detailed Overview
The Luko pet health insurance covers 80% of the costs from unexpected, necessary surgical interventions for your pet for up to 20,000 EUR and monthly rates are starting at 5.15 EUR. By default the insurance comes with a deductible (Selbsbehalt) of 20% which can be reduced to 0% optionally. Furthermore you can optionally add the coverage of vet costs. The insurance is valid worldwide, there are no limitations on breeds and the waiting period of 30 days is relatively short. Overall, the Luko pet health insurance is a very flexible policy that can be adjusted easily to the needs of your pet.
Pet health insurance starting at 5.15 EUR/month
Cost coverage up to 20,000 EUR
Free choice of your vet
No limitation on breeds
Incl. 100 EUR care bonus
PETPROTECT offers you up to 100% cost coverage for veterinary medical treatment in case of illness or after an accident, outpatient and inpatient treatment, surgery costs, medications, etc. PETPROTECT reimburses the highest rate of the scale of fees according to which veterinarians charge (up to 4 times the GOT rate). The protection also applies abroad: For the duration of your stay in Europe and up to 6 months outside Europe. With a daily cancellation right, you enjoy maximum flexibility should finances or your needs change. You receive the tariff of your choice for your four-legged friend without a waiting period and save your pet a lengthy health check with simple health questions.
Pet health insurance starting at 29.90 EUR/month
Up to 4 times the GOT rate
Without long health check
Incl. 100€ health flat rate
DFV-TierkrankenSchutz is a comprehensive insurance for dogs and covers the costs of both outpatient and inpatient treatment, including surgery. With the DFV-TierkrankenSchutz you have up to 100% cost protection for illness and operations. So you don’t have to worry about the costs and your dog gets exactly the surgery he needs. The tariffs of the dog insurance reimburse you for the costs of emergency care in the event of an emergency, even up to the maximum rate of the GOT.
Pet insurance starting at 29.90 EUR/month
Up to 100% reimbursement incl. operations
Worldwide insurance cover
Free choice of vet and clinic
Analgesic dental treatment incl. extraction
Helvetia PetCare animal health insurance not only protects you from the financial consequences of high veterinary costs in the event of illness, accident or an unforeseen operation, but also accompanies you every step of the way – from finding a vet, to transport to the veterinary clinic, to fast and uncomplicated reimbursement of veterinary costs. Every animal is unique – which is why Helvetia have worked with veterinarians to develop three insurance tariffs that are tailored to your individual wishes and safety needs. All tariffs include the powerful protection letter, which provides you with numerous assistance services in the event of an emergency.
Pet health insurance starting at 36.90 EUR/month
Free choice of veterinary clinic
Accommodation costs per day
If you want to insure your dog well all around, the Barmenia dog health insurance offers maximum individuality through flexible scope and freely selectable reimbursement rates of 80%, 90% or 100%. Depending on the variant, your four-legged friend is also insured for preventive services, dental treatment and other treatment costs – the latter in the premium cover even in unlimited amounts. The dog health insurance takes over the treatment and/or operation costs for you and gives you the freedom and the space to make the right decision for your companion.
Pet health insurance starting at 26.83 EUR/month
Operations without annual maximum limit
High reimbursement rate
Foreign coverage and deductible
Why you should buy pet health insurance
Of course, you hope that your pet enjoys a lifetime of the best health. But unfortunately there is no guarantee. Your pet may get sick or have an accident. The veterinary costs incurred as a result may well be in the four-digit range. Without animal health insurance, you will be completely responsible for these costs.
For example, if your dog has a torsion of the stomach, you will have to pay around 1,200 EUR for the life-saving operation alone. This does not even include the costs for any necessary follow-up treatment. The situation is not much different with cats. Here, too, the veterinary bill can quickly reach unimagined heights.
Pet health insurance ensures that you are covered in such a case and that your pet can receive the necessary treatment even if the costs are high.
What does pet health insurance cost?
The cost of pet health insurance depends on various factors. In addition to the type of animal, the age of your four-legged friend plays a major role in calculating your premium. After all, an old pet is more susceptible to illness than a young one. And this is naturally reflected in the amount of the premiums for your pet insurance.
In the case of dogs, it also depends on the breed of the four-legged friend. Because the treatment costs for some breeds are significantly more expensive than for others. But don’t worry. The costs for a pet health insurance are much cheaper than you might fear, as you can also see from the above comparison.
The top 5 reasons to have pet medical insurance
- No more worrying about the financial consequences of a vet visit
- Decide on treatments based on need, rather than cost
- No choice between euthanizing or treating due to lack of money
- A well taken care of pet that you can enjoy for a long time
- The best possible medical care for your four-legged friend
Your advantages in animal health insurance at a glance
- High sums insured
- Coverage of outpatient and inpatient treatment, preventive measures, medications, diagnostics, surgeries & associated follow-up treatment, physical therapy as well as homeopathic treatment by a veterinarian in private practice
- Assumption of veterinary costs up to 4 times the rate of the scale of fees for veterinarians (for cats up to 3 times the rate)
- No hidden costs and hardly any benefit exclusions
- No breed exclusions
- No exclusions of breed-specific diseases
- Conclusion without complicated health examination
- Free choice of veterinary practice and clinic
- Direct billing with the veterinary practice or clinic possible
- Protection against veterinary expenses incurred while traveling abroad
- Uncomplicated submission of veterinary bills without filling out cumbersome forms
- Enormously fast reimbursement of submitted invoices
- Assumption of the basic emergency service fee
- Assumption of costs for veterinary video consultations
- Animal rescue services in Germany
Health or surgery insurance – what is the best pet insurance?
When taking out pet insurance, you are faced with the decision between a surgery insurance or a comprehensive health insurance for your pet. Which option is best in your case depends not least on your personal situation.
Therefore, ask yourself in advance what costs you could bear in the event of an illness of your pet and weigh up how high the risk is for your four-legged friend.
A pure OP insurance may be particularly favorable, but it usually only covers the costs that arise in the context of surgical interventions. Expensive treatments that become necessary, for example, due to a chronic disease of your pet, are not covered with it. A proper pet health insurance can therefore pay off very quickly despite higher premiums.
Summary – Pet Insurance Germany
So as you can see, a pet health insurance in Germany is a component in your insurance portfolio that definitely makes sense as it protects pet medical cost at a reasonable price. For more information on other insurances, like health insurance or car insurance, you will find help on our website as well.
Disclaimer: This article reflects my personal opinion about the above mentioned insurance providers and their offered policies. I am not giving insurance advice nor am I working for the above mentioned companies. However the article contains affiliate links, meaning I earn a commission if you use those links.