Pet insurance
Since the new emergency service fee schedule, as well as ever newer surgical procedures and treatment methods for animals, are constantly increasing medical costs, we have made an effort to compile an overview of the most well-known pet insurance companies here.
Which are the most important pet insurance policies?
If you own a dog, cat, or small pet like a rabbit or guinea pig, you've probably considered pet insurance. This type of insurance protects your finances if your companion needs to go to the vet or accidentally injures someone else. Despite providing comprehensive coverage, the monthly premiums are manageable. Depending on the pet insurance policy you choose, the coverage can cost just a few euros per month. This can be especially helpful in preventing unpleasant surprises, particularly in cases of unexpected surgeries, which can quickly run into thousands of euros for dogs or cats.
But regardless of whether you want to protect yourself from high veterinary costs for your dog, cat, or other pets, or simply desire minimum coverage in case your animal causes damage to third parties – always compare different offers beforehand. For example, dog liability insurance can cost you anywhere from €40 to €140 per year.
What types of pet insurance are available?
According to a survey, almost 36 million pets live in German households. Cats (over 13.7 million), dogs (over 9.2 million), and other small pets (6.1 million) are particularly popular – Source: German Pet Supplies Industry Association.
Just as every owner and every animal is different, so too are the types of pet insurance. The following overview shows you which insurance policies are available and what they cover:
- Dog liability insurance: Pays for property damage, material damage and personal injury caused by the dog to third parties
- Dog surgery insurance: It covers all costs incurred should your four-legged friend ever need surgery.
- Pet health insurance: In addition to surgical costs, it also covers general veterinary expenses, such as those for outpatient treatment.
- Cat surgery insurance: If your cat needs surgery, the costs are covered as contractually agreed.
- Cat health insurance: In addition to the costs of surgery, general veterinary treatments are also covered.
- Pet health insurance: In addition to surgical costs, it also covers general veterinary expenses, such as those for outpatient treatment.
Liability insurance – dogs:
Dog health insurance & cat health insurance
Having found few convincing products on the existing insurance market that also cover older and chronically ill dogs and cats, we have finally found a partner (Smart Paws) with whom we jointly offer pet insurance that provides health coverage for both older cats and dogs. We have created a dedicated website for this purpose, where you can find comprehensive answers to questions about coverage, costs, and other relevant information:
Pet insurance for domestic animals (rabbits, guinea pigs, chinchillas):
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