Take care of those who are dear to you.
Dog insurance in Germany is an important aspect of caring for your four-legged friend. Thanks to insurance, you can be sure that in the event of an accident with your dog, you will not be left without support. There are many insurance companies in Germany that offer different dog insurance plans. Choose the plan that works best for you to ensure your dog is protected in any situation.
How much do veterinary services for dogs cost in Germany?
MANIPULATIONS
APPROXIMATE COSTS
Castration
about 150-600 euros
Vaccination
50-70 euros per vaccination
Removal of a tooth
from 200-500 euros
Allergy test
120-400 euros
Hip dysplasia
up to about 5000 euros
Removal of the tumor by surgery
about xnumx euro
Fracture: diagnosis, surgery, follow-up treatment
about xnumx euro
Superficial injury
about 700-900 euros
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:
Dog liability insurance
Liability Insurance.
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.
Dog health insurance
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.
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.
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.
Insurance conditions
The age of the animal for the conclusion of the contract
- Without restrictions
The age of the animal for the conclusion of the contract
- to 8 years
The age of the animal for the conclusion of the contract
- to 8 years
The age of the animal for the conclusion of the contract
- from 2 months to 10 years
Age for insurance of operations – OP
- Without restrictions
Age for insurance of operations – OP
- to 8 years
Age for insurance of operations – OP
- to 8 years
Age for insurance of operations – OP
- from 2 months to 10 years
Breed
- All
Breed
- All
Breed
- All
Breed
- All
The age of the animal for the conclusion of the contract
- Without restrictions
The age of the animal for the conclusion of the contract
- to 8 years
Age for insurance of operations – OP
- Without restrictions
Age for insurance of operations – OP
- to 8 years
Breed
- All
Breed
- All
The age of the animal for the conclusion of the contract
- to 8 years
The age of the animal for the conclusion of the contract
- from 2 months to 10 years
Age for insurance of operations – OP
- to 8 years
Age for insurance of operations – OP
- from 2 months to 10 years
Breed
- All
Breed
- All
- Name, gender, date of birth, breed and color of the pet
- Marking: chip/tattoo and number
- Current diseases, defects, problems
- Castration / sterilization
Health Insurance - Comparison Table
Tariff: Premium
Tariff: Premium
Tariff: EXCLUSIVE
Tariff: Top
Tariff: Premium
Operations / annual compensation
- 3000 €
Operations / annual compensation
- 5000 €
Operations / annual compensation
- No restrictions
Operations / annual compensation
- No restrictions
Operations / annual compensation
- No restrictions
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Veterinarian pay rate
- No restrictions
Veterinarian pay rate
- 4x
Veterinarian pay rate
- 4x
Veterinarian pay rate
- 3x
Veterinarian pay rate
- 3x
Compensation for emergency care in the veterinary ambulance service
Compensation for emergency care in the veterinary ambulance service
Compensation for emergency care in the veterinary ambulance service
Compensation for emergency care in the veterinary ambulance service
- 4x
Compensation for emergency care in the veterinary ambulance service
- 4x
Preoperative examination
Preoperative examination
Preoperative examination
Preoperative examination
Preoperative examination
Treatment after surgery
- to 14 days
Treatment after surgery
- 4 week
Treatment after surgery
- No restrictions
Treatment after surgery
- to 30 days
Treatment after surgery
- to 30 days
Prosthesis subsidy
Prosthesis subsidy
- up to 500 €
Prosthesis subsidy
Prosthesis subsidy
- up to 500 €
Prosthesis subsidy
- up to 500 €
Treatment / annual compensation
- Up to the maximum limit
Treatment / annual compensation
- up to 5000 €/year
Treatment / annual compensation
- up to 1100 €/year
Treatment / annual compensation
- up to 800 €/year
Treatment / annual compensation
- No restrictions
Prevention, procedures, vaccinations
- up to 100 €
Prevention, procedures, vaccinations
- up to 100 €
Prevention, procedures, vaccinations
- up to 1100 €
Prevention, procedures, vaccinations
- up to 70 €
Prevention, procedures, vaccinations
- up to 100 €
Dental treatment
Dental treatment
- up to 100 €
Dental treatment
Dental treatment
- up to 150 €
Dental treatment
- up to 500 €
Franchise
0
Franchise
250 € for surgery, 250 € per year for treatment
Franchise
20%
Franchise
20%, max 250 € per year
Franchise
20%, max 250 € per year
Average calculation of the monthly installment*
74,12 €
Average calculation of the monthly installment*
52,59 €
Average calculation of the monthly installment*
79,90 €
Average calculation of the monthly installment*
59,87 €
Average calculation of the monthly installment*
67,21 €
*The calculation of the monthly fee is made for a dog of the 1st group (for example, a dachshund), including a 20% deductible (maximum 250 euros per year), age up to 11 months.
Tariff: Premium
Tariff: Premium
Operations / annual compensation
- 3000 €
Operations / annual compensation
- 5000 €
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Veterinarian pay rate
- No restrictions
Veterinarian pay rate
- 4x
Compensation for emergency care in the veterinary ambulance service
Compensation for emergency care in the veterinary ambulance service
Preoperative examination
Preoperative examination
Treatment after surgery
- to 14 days
Treatment after surgery
- 4 week
Prosthesis subsidy
Prosthesis subsidy
- up to 500 €
Treatment / annual compensation
- Up to the maximum limit
Treatment / annual compensation
- up to 5000 €/year
Prevention, procedures, vaccinations
- up to 100 €
Prevention, procedures, vaccinations
- up to 100 €
Dental treatment
Dental treatment
- up to 100 €
Franchise
0
Franchise
250 € for surgery, 250 € per year for treatment
Average calculation of the monthly installment*
74,12 €
Average calculation of the monthly installment*
52,59 €
Tariff: Top
Tariff: Premium
Operations / annual compensation
- No restrictions
Operations / annual compensation
- No restrictions
Free choice of veterinarian and clinic
Free choice of veterinarian and clinic
Veterinarian pay rate
- 3x
Veterinarian pay rate
- 3x
Compensation for emergency care in the veterinary ambulance service
- 4x
Compensation for emergency care in the veterinary ambulance service
- 4x
Preoperative examination
Preoperative examination
Treatment after surgery
- to 30 days
Treatment after surgery
- to 30 days
Prosthesis subsidy
- up to 500 €
Prosthesis subsidy
- up to 500 €
Treatment / annual compensation
- up to 800 €/year
Treatment / annual compensation
- No restrictions
Prevention, procedures, vaccinations
- up to 70 €
Prevention, procedures, vaccinations
- up to 100 €
Dental treatment
- up to 150 €
Dental treatment
- up to 500 €
Franchise
20%, max 250 € per year
Franchise
20%, max 250 € per year
Average calculation of the monthly installment*
59,87 €
Average calculation of the monthly installment*
67,21 €
Tariff: EXCLUSIVE
Operations / annual compensation
- No restrictions
Free choice of veterinarian and clinic
Veterinarian pay rate
- 4x
Compensation for emergency care in the veterinary ambulance service
Preoperative examination
Treatment after surgery
- No restrictions
Prosthesis subsidy
Treatment / annual compensation
- up to 1100 €/year
Prevention, procedures, vaccinations
- up to 1100 €
Dental treatment
Franchise
20%
Average calculation of the monthly installment*
79,90 €
*The calculation of the monthly fee is made for a dog of the 1st group (for example, a dachshund), including a 20% deductible (maximum 250 euros per year), age up to 11 months.
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.
