🐾 Pet Insurance in Germany – Because They’re Family
Whether it’s your playful dog, curious cat, or majestic horse – our pets aren’t just animals. They’re family members. That’s why it’s so important to protect them – and yourself – with the right pet insurance in Germany.
🛡️ The 3 Types of Pet Insurance You Should Know
- Liability Insurance (Tierhalterhaftpflicht) – protects you if your pet injures someone or damages property.
- Surgery Insurance – covers major one-time operations like tumor removal or bone fractures.
- Full Health Insurance – includes regular vet visits, medication, diagnostics, dental care & surgery.
🐶 Example: Why Pet Insurance Matters
Max, a 3-year-old Labrador in Berlin, swallowed a foreign object and needed emergency surgery. The total vet bill? €2,800. With the right surgery insurance, the family only paid €100 deductible – and Max was safe, healthy, and back home within 2 days.
Without insurance, many pet owners are forced to make impossible decisions. The right coverage offers financial security and peace of mind.
🐕 Dog Liability Insurance – Mandatory in Most States
If your dog bites someone or runs into traffic, you’re legally and financially responsible – even if it’s not your fault.
- ✔️ Required by law in most German states (e.g. NRW, Berlin, Lower Saxony)
- ✔️ Covers personal injury, property damage & legal defense
- ✔️ Starting from just €5–7 per month
Horse owners are also legally obligated to carry liability insurance – it’s a must-have, not an option.
🐾 What Does Full Pet Health Insurance Cover?
- ✔️ Annual vet check-ups & vaccinations
- ✔️ Dental treatments
- ✔️ Chronic illness treatment
- ✔️ Accidents & surgeries
- ✔️ Medication & diagnostics (e.g. X-rays, blood tests)
Important: You can insure your pet from just a few weeks old – the earlier, the better. Older pets or those with existing conditions might face exclusions.
❤️ Because They Deserve the Best
Just like you insure your health, your car, or your home – your pet deserves protection too. A tailored pet insurance plan ensures your furry (or hooved) family member is always taken care of – without draining your bank account.
📲 Need Help Finding the Right Insurance?
We help expats in Germany protect what matters most – including your beloved pets.
We compare top-rated providers and help you choose the plan that fits your pet and your budget – in English, with no extra cost to you.
We help expats in Germany protect what matters most – including your beloved pets.
