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Best Pet Insurance in Germany: A Comprehensive Guide and Top Providers 

Pet Insurance in Germany: Guide and Best Providers titlecard

Are you a pet owner planning to call Germany home? Ensuring your furry friend’s well-being is paramount, and navigating the world of pet insurance in Germany is essential. This comprehensive guide delves into the realm of “best pet insurance in Germany,” shedding light on both pet health and dog liability insurance. 

Learn why having insurance is crucial, understand their coverage, and the legal obligations for pet owners in Germany. Explore dog health insurance pet liability insurance, and navigate the German insurance landscape with this invaluable guide on your expat journey.


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Related article: The Cost of Owning a Dog in Germany

What are The Different Types of Pet Insurance in Germany?

People gromming a dog

In Germany, pet owners can choose from various types of pet insurance. These include pet health insurance and pet liability insurance. Understanding these options is essential before getting insurance for your pets. 

Pet health insurance covers medical expenses, while dog liability insurance is mandatory for dog owners to cover potential damages caused by their pets. Health insurance in Germany typically refers to human health coverage, making it crucial to differentiate it from pet health insurance. 

Knowing the distinctions ensures pet owners select the right insurance to protect their pets and comply with legal requirements, such as dog liability insurance in Germany.

Also read: Owning a Cat in Germany: All You Need To Know

Pet Health Insurance in Germany

Pet health insurance in Germany is a type of insurance that provides coverage for various medical expenses related to your pets. It is designed to help pet owners manage the costs associated with their pets’ health and well-being. 

Different policies may offer varying coverage options, so it’s important to carefully review the terms and conditions of the policy to determine what is included.

Pet health insurance covers the following:

  • Accident-Only Coverage: This type of coverage includes expenses related to accidental injuries, such as broken bones, cuts, and injuries resulting from car collisions.
  • Illness Coverage: Illness coverage includes medical expenses incurred when your pet becomes sick due to non-accidental reasons, such as infections, diseases, or other health conditions.
  • Comprehensive Coverage (combines accident and illness coverage): Comprehensive coverage combines accident and illness coverage, providing a broader scope of protection for your pet’s health.
  • Chronic and Hereditary Condition Coverage: This coverage includes expenses related to chronic health conditions or hereditary diseases that may require ongoing treatment and management.
  • Dental Coverage: Dental coverage addresses the cost of dental treatments, which can be essential for maintaining your pet’s oral health.
  • Breed-specific or Genetic Condition Coverage: Some policies offer coverage for breed-specific conditions or genetic conditions that may be more prevalent in certain breeds of dogs or cats.
  • Lifetime Coverage: Lifetime coverage ensures that your pet will be covered for their life as long as you continue to renew the policy.

It’s important to note that different policies have varying coverage limits and exclusions. These limitations include annual or lifetime maximums, waiting periods before coverage starts, and exclusions for pre-existing conditions or specific procedures.

Pet owners should carefully read the terms of their chosen policy to understand what is covered and under what conditions.

In addition to pet health insurance, it’s worth mentioning that in Germany, there is also “dog liability insurance,” which is a legal requirement for dog owners. 

Pet Liability Insurance in Germany

Pet liability insurance, often called “dog liability insurance” in Germany, covers liability and legal expenses in case your pet, typically a dog, causes harm to others or their property. 

It is a legal requirement for dog owners in Germany, and it is designed to protect pet owners from potential financial repercussions when their pets are involved in incidents leading to personal injury or property damage.

Types of Pets that Need It:

In Germany, pet liability insurance primarily applies to dog owners, as it is a legal mandate for individuals owning dogs. All dog owners must have pet liability insurance, regardless of breed or size.

This insurance ensures that dog owners are financially prepared to cover any legal or compensation costs if their dog causes harm to another person or their property.

Legal dog ownership requires insurance, but owners of cats or small animals may choose coverage for peace of mind.

Different policies have different coverage limits and exclusions:

Like other types of insurance, pet liability insurance policies can have varying coverage limits and exclusions. These limitations may include factors such as the maximum coverage amount, specific incidents not covered, and conditions that may void the policy.

Pet liability insurance commonly excludes intentional harm by the owner, leash law violations, and harm caused by aggressive pets. On the other hand, pet owners should thoroughly review insurance policies for terms, exclusions, and coverage limits. Ensure proper protection for pet liability.

How Much Is a Pet Insurance In Germany?

Sticky note with pet insurance written on it placed beside a calculator

The cost of pet insurance – Germany can vary depending on several factors. Generally, pet insurance can range from around EUR 15 to EUR 80 per month. However, some insurance providers offer pet health insurance starting at just 4.30 EUR per month, according to germanymore.de

The cost varies based on factors: insurance provider, insured sum, coverage type, pet’s age, and pre-existing conditions.

Invest in your pet’s well-being with thoughtful pet insurance. Cover veterinary costs, manage dog tax, and navigate veterinary clinic expenses stress-free.

Related article: Dog Health Insurance in Germany 

Best Dog Health Insurance and Pet Insurance Providers in Germany

Dog portrait with a veterinarian in blue uniform holding a stethoscope

Luko Pet Insurance Provider Overview

TOP Pick
Luko product


Elevate pet care in Germany. Our insurance goes beyond protection, offering tailored plans for your furry friends. Unleash joy and ensure their well-being with Luko’s innovative coverage.

Luko is a prominent German insurance provider that offers comprehensive pet insurance solutions in Germany. They offer dog liability insurance and pet health insurance, catering to the needs of pet owners. Here’s an overview of Luke’s pet insurance:


Luko offers pet health insurance for dogs and cats. This coverage encompasses veterinary consultations, examinations, accident and illness treatments, and surgical procedures, including anesthesia, surgical fees, and post-operative care.

Luko Pet Insurance logo

The cost and coverage limit depends on factors such as the type of pet, breed, age, and selected coverage options. Luko’s pet health insurance starts at a competitive rate of €5.99 per month, according to mygermanfinances.de.

  • Covers all dog breeds and includes damages caused without a leash or muzzle/loop, offering peace of mind to pet owners.
  • You can tailor your dog liability insurance to suit your needs better, such as coverage for rented or borrowed goods.
  • Luko provides the convenience of managing your insurance digitally, making it easy to access and update your policy.
  • Pet health insurance costs vary based on pet type, breed, age, and selected coverage options, so it may not be equally affordable for all pet owners.
  • The coverage limit for dog liability and pet health insurance is contingent on the chosen policy, so thoroughly reviewing and understanding the terms is essential.
  • While Luko offers extensive coverage, add-ons may include extra charges, increasing insurance costs.

They offer pet owners diverse coverage options. Experience friendly customer service and manage insurance conveniently online, ensuring confident pet protection.

Read a full review about pet insurance from Luko.

Getsafe Pet and Dog Health Insurance

2nd Pick
getsafe logo


Elevate your furry friend’s well-being in Germany. Tailored plans, comprehensive coverage—ensuring your pet receives top-tier care, from routine check-ups to unexpected adventures, because they deserve the best.

Getsafe is a reputable insurance provider in Germany that offers comprehensive pet insurance solutions for dog owners and pet lovers. They provide both dog liability insurance and pet health insurance. Here’s an overview of Getsafe’s pet and dog insurance offerings:


  • Dog Liability Insurance: Getsafe’s dog liability insurance covers all dog breeds, safeguarding against damages caused by insured dogs when not on a leash or without a muzzle/loop. For those seeking broader protection, you can customize your policy with optional insurance “toppings.” 

Getsafe’s dog liability insurance boasts an impressive coverage limit of up to €50 million, offering extensive peace of mind to dog owners. Based on a report by mygermanfinances.de, It’s available at a competitive starting rate of just €2.50 per month.

  • They offer pet health insurance for dogs and cats, covering veterinary consultations, examinations, accident and illness treatments, and routine wellness care.

The cost and coverage limit of the pet health insurance policy is determined by factors such as the type of pet, breed, age, and the specific coverage options selected. Germanymore.de said that Getsafe’s pet health insurance starts at an affordable price of €4.30 per month.

  • Covers all dog breeds and includes protection for damages incurred when dogs are off-leash or without a muzzle/loop.
  • You can tailor your dog liability insurance with optional add-ons for more comprehensive coverage, ensuring it aligns with your needs.
  • Offers competitive starting rates for both dog liability and pet health insurance, making it accessible to a wide range of pet owners.
  • The cost of pet health insurance is subject to fluctuations based on the type of pet, breed, age, and selected coverage options. Some pet owners may find the cost less affordable.
  • The extent of coverage for dog liability and pet health insurance depends on the chosen policy, so thoroughly reviewing and comprehending the policy terms is vital.
  • While Getsafe’s basic policies are affordable, additional coverage add-ons may result in extra expenses, which could increase the overall cost of insurance.

The company wants to provide pet owners with flexible insurance options, competitive pricing, and the peace of mind of knowing their pets are well-protected.

PetProtect Pet and Dog Health Insurance

3rd Pick
PetProtect logo


Unleash worry-free adventures with our pet insurance. Tailored coverage, rapid reimbursements, and compassionate care ensure your furry friend receives the best, so you can cherish every moment together.

PetProtect is a prominent pet insurance provider in Germany, offering comprehensive pet health insurance for dogs, cats, and even horses. Here’s an overview of PetProtect’s pet insurance offerings:


PetProtect extends pet health insurance coverage to dogs, cats, and horses. The policy covers veterinary consultations, examinations, accident and illness treatments. It includes surgical procedures, anesthesia, fees, and post-operative care.

The cost and coverage limit are subject to various factors, including the type of pet, breed, age, and the specific coverage options selected. Plans start at €35.83 per month for dog health insurance.

  • Provides comprehensive health insurance for a wide range of pets, including dogs, cats, and horses.
  • Offers coverage of up to 100% of veterinary medical treatment costs, which can significantly alleviate the financial burden on pet owners.
  • The company offers services up to 4 times the GOT rate, providing free video consultations via smartphone and coverage abroad. Full cover plans include a care bonus of €100, enhancing insurance value.
  • Pet health insurance costs vary based on pet type, breed, age, and coverage options. Affordability may vary for pet owners.
  • Coverage varies with the chosen policy. Pet owners must carefully review terms to ensure desired coverage levels.
  • While offering pet insurance for horses is a unique benefit, it may not be relevant to most pet owners, potentially limiting the appeal of this insurance provider.

PetProtect’s pet health insurance caters to diverse needs, offering comprehensive coverage for dogs, cats, and even horses.

By exploring different insurance plans, pet owners can find the right coverage and secure the financial protection needed to provide the best care for their beloved pets.

How to Pick the Right Pet Insurance Provider?

Pet Insurance on a sign

Choosing the right pet insurance provider is a crucial decision to ensure the health and well-being of your beloved four-legged family member. With many options available in the market, it’s essential to follow a systematic approach to make an informed choice.

As an expert in pet insurance, I’m here to guide you through the steps to select the ideal provider for your dog’s health insurance needs.

1. Assess Your Needs

Begin by assessing your pet’s specific needs. Do you need dog health insurance or liability insurance in Germany? Consider your dog’s age, health history, breed, and pre-existing conditions. Understanding these factors will help you determine the level of coverage required.

2. Research Providers

Conduct thorough research to identify reputable pet insurance companies. Look for comprehensive coverage providers, including preventive services, surgical interventions, dental treatment, and unlimited vet video consultations. Be sure to verify the insurance company’s reputation and customer feedback.

3. Coverage Options

Examine the different coverage options available. Typically, dog insurance plans cover vet costs, medical costs, and surgical interventions. Additionally, preventive measures like dental prophylaxis may also be included in some plans. Ensure the provider offers a range of options to fit your dog’s needs.

4. Exclusions and Limitations

Carefully read the policy to understand what is typically covered and any exclusions. Some policies may not cover certain breeds, dangerous breeds, or specific medical conditions. Familiarize yourself with these limitations to avoid any unjustified claims.

5. Policy Flexibility

Opt for a provider that allows flexibility in tailoring the coverage to your dog’s visits to the veterinary practice. This ensures you can adapt your policy as your pet’s needs change over time.

6. Cost and Premiums

Consider the cost of premiums and any deductibles. It’s essential to find a balance between affordability and comprehensive coverage. Factor in your budget and choose a policy that doesn’t lead to a significant financial loss.

7. Additional Benefits

When checking health and liability insurance in Germany, look for additional benefits such as dental treatment, health bonuses, or worldwide coverage. These perks can enhance the value of your policy and provide extra peace of mind.

8. Liability Protection

If you’re in Germany, you may also want to explore liability insurance for your dog, especially if you own a breed like Staffordshire Bull Terriers. Liability protection can safeguard you from potential legal issues related to your pet’s actions.

9. Foreign Guardian Consideration

If you frequently travel with your pet or have a foreign guardian, check if the pet insurance provider offers coverage in multiple countries. This ensures that your pet remains protected even when abroad.

10. Consult with a Vet

Seek guidance from your veterinarian. They can provide valuable insights into your pet’s specific needs and help you choose a policy that aligns with your dog’s health and wellness requirements.

You can also use Tarifcheck to compare different insurance policies and find the best one for you.

Also read: Cheapest Private and Public Health Insurance in Germany

Benefits of Having Pet Insurance in Germany

Man and pet dog sitting on the couch

Pet insurance in Germany offers more than just pet safety; it provides various benefits. Beyond covering pet health, it safeguards a dog owner from unexpected financial burdens. 

Pet health insurance can minimize personal injury risks, ensuring accidents and illnesses don’t lead to high legal and lawyer fees. Knowing that pet health insurance providers will help manage pet health expenses also grants peace of mind. 

To give you a better idea, below are the benefits of having pet insurance in Germany. 

Financial Coverage

Pet health insurance in Germany offers essential financial protection for your pet’s healthcare expenses. It typically covers veterinary consultations, examinations, accident and illness treatments, and surgical procedures, including anesthesia, surgical fees, and post-operative care. 

The cost of pet insurance can vary. It ranges from approximately EUR 15 to EUR 80 per month, depending on factors such as the pet’s breed, age, and the chosen coverage, according to germany-visa.org.

Acquiring the best pet health insurance ensures peace of mind for dog owners, safeguarding their pets and finances in the event of unexpected health issues.

Mitigating the pet health insurance cost encourages responsible pet ownership while fostering a secure environment for pets and dog owners. This comprehensive coverage ensures pet and owner well-being and financial stability, making it a wise investment.

Access to Quality Healthcare

A report by USDA said that 47% of households have pets, with 15% owning more than one pet. Pet health insurance empowers pet owners to access the finest veterinary care for their pets, free from financial concerns. It ensures that pets receive essential medical attention and treatment when required. 

Insurance providers cover veterinary expenses, including routine and preventative treatments and unlimited vet video consultations, offering comprehensive support for pet owners.

With pet insurance, German pet owners can prioritize their pets’ health, enhancing their overall well-being and providing peace of mind. The financial safety net helps them make the best healthcare choices for their beloved animals.

Peace of Mind

A pet and dog owner in Germany can enjoy peace of mind, knowing that their pets are safeguarded in accidents, illnesses, or injuries. This sense of security reduces stress and anxiety, allowing pet owners to concentrate on their pets’ well-being. 

Reliable insurance providers cover veterinary costs and potential liabilities, including dog tax and horse liability insurance, safeguarding the owner’s personal property.

Pet insurance, including private liability insurance, guarantees that their beloved animals are protected, ultimately fostering a worry-free environment for both pets and their owners.

Compliance with Legal Requirements

Pet owners in Germany are obligated to meet legal requirements, such as dog liability insurance, in certain regions. The pet and dog liability pet owners in case their pet causes harm, such as injuries or property damage, to a third party. 

Pet insurance, including dog liability coverage, aligns with the German civil code, covering veterinary costs, legal fees, and property damage. Adhering to these regulations ensures responsible and lawful pet ownership.

Related article: How Much Does Liability Insurance Cost in Germany: Overview

Final Thoughts About Pet Insurance in Germany

In conclusion, having pet insurance in Germany is not only a prudent choice but a responsible one as well. It provides financial coverage, access to quality healthcare, and peace of mind and ensures compliance with legal requirements, which is especially crucial for dog owners. 

By carefully selecting the right insurance provider and policy, pet owners can prioritize their pets’ well-being and protect themselves from unexpected expenses.

If you want to learn more about pet insurance in Germany, please click the link in the article to read the full guide. This will also help us keep this blog afloat and provide you with more useful information. 

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