Pet insurance is an important part of caring for your pet. And it’s not surprising - every year veterinary services in Germany become more expensive. Insurance allows you to protect your pet in case of illness or injury, and you from unexpected treatment costs.
There are many companies offering pet health insurance in Germany and choosing the right one can be tricky. We have reviewed and compared the most popular firms and rates for you and will help you choose the most suitable company.
You can easily and quickly calculate the cost of health insurance for your pet using the links below.
DOG INSURANCE
DOG INSURANCE
CAT INSURANCE
CAT INSURANCE
Animal health insurance offers a wide range of coverage that includes veterinary expenses, medications and even surgeries. The insurance also covers emergencies such as accidents and sickness, which means you can be sure that your pet will be protected in any situation.
There are three types of pet insurance:
Katzen- and Hundehaftpflichtversicherung
Liability Insurance.
Not included for cats, as it is fully included in your family liability insurance package.
For dogs, liability insurance is concluded separately and is mandatory. in 6 out of 16 German states (Berlin, Hamburg, Niedersachsen, Sachsen-Anhalt, Schleswig-Holstein und Thüringen), and recommended in the rest.
Katzen- and Hundekrankenversicherung
Health insurance.
Coverage of general medical procedures, such as diagnostics, necessary examinations when making a diagnosis.
Preparing and conducting the necessary operations. Support in the postoperative period.
Prevention and care on an ongoing basis: vaccinations, examinations, castration / sterilization or deworming, as well as protection against fleas and ticks.
Alternative treatments. Such as homeopathy, acupuncture and laser therapy, physiotherapy, osteopathy.
It is possible to insure diseases specific to a particular breed.
Dentistry, including extraction of teeth, root treatment, correction of anomalies of teeth or jaws.
Free choice of veterinarian and clinic. 3x or 4x GOT coverage.
Katzen- and Hunde-OP Versicherung
Operation insurance.
Covers all costs associated with the necessary operations.
Includes accommodation in
veterinary clinic,
preoperative examination,
diagnosis.
Also covers
post-operative care, as
medicinal, and
physiotherapy and all necessary
procedures.
What is a GOT bet?
Gebührenordnung für Tierärztinnen und Tierärzte is a remuneration scale for veterinarians established by national legislation in Germany and valid throughout the country.
GOT establishes a payment system with increased rates up to 4x (without fixed prices), based on the characteristics of assistance - night time, emergency assistance, etc.
What does the Hundehalterhaftpflicht dog liability insurance cover?
Maximum protection against personal injury, property damage and financial loss.
Insurance coverage is valid for all breeds, including breeds classified as dangerous.
All puppies are insured together with their mother immediately after birth up to 12 months. Damage caused by intentional and unintentional mating is insured.
Damage to a third party related to dog care: walking, training, supervision, etc.
Damage to rented property, such as damage to buildings and movable furniture and equipment.
The insurance coverage is valid worldwide, while traveling, for an unlimited period of time.
Calculate and issue liability insurance for dogs:
Pet health insurance: what to look for when choosing
1. Take out insurance on the animal while it is healthy. Otherwise, the insurance company may refuse to cover the treatment if it is found that the animal already had a diagnosis or genetic diseases that you knew about.
2. Senior pet insurance is more expensive, and the monthly payment depends on size and breed.
3. Carefully study the terms of insurance, as the waiting time (Wartezeit) before the start of the policy can be up to six months.
4. Find out what you can expect when treating an animal by carefully studying the insurance offer. There are many rates in animal health insurance, from the amount of coverage to the deductible and payment for operations only.
5. Are you traveling with your pet? Pay attention to the availability of the option of treatment abroad in your insurance.
If you have any questions, Contact us - We will answer all your questions.
