Pet Health Insurance
The best veterinary care, without worrying about cost
Your dog or cat is as individual as you are, and so is their health. Our pet health insurance protects your pet against the costs of illness, accidents and necessary surgery, so you can always make the right decision without thinking about the price first.
Benefits of this insurance
You can insure your dog or cat from 2 months of age until the end of their life.
If you prefer, we pay the veterinary clinic directly; you don't need to pay upfront.
Reimbursement of up to four times the official rate for emergency care.
You decide which vet or clinic to visit, with no restrictions.
Coverage comparison
| Basic | Top | Premium | Premium Plus | |
|---|---|---|---|---|
| Surgery with no annual limit | ||||
| Reimbursement up to 4x rate for emergencies | ||||
| Post-op aftercare | Up to 15 days | Up to 30 days | Up to 30 days | Up to 120 days |
| Prosthetics allowance | — | Up to €500 | Up to €500 | Unlimited |
| Coverage abroad | — | Max. 12 months | Max. 12 months | Unlimited |
| Annual treatment costs | Up to €400 | Up to €800 | Up to €1,200 or unlimited | Up to €1,200 or unlimited |
| Preventive care | — | Up to €70 | Up to €100 | Up to €100 |
| Dental treatment | — | Up to €150 | Up to €500 | Up to €500 |
| Funeral cost allowance | — | — | — | €300 |
Guide prices: Basic from €36.82/month; Premium Plus from €88.57/month, depending on breed and age. Choosing a deductible reduces your premium.
What is covered
Veterinary costs
For illnesses, accidents or congenital/acquired malformations, as long as they were not known when the policy started.
Surgery
We reimburse surgery costs up to the agreed sum.
Dental treatment
Up to €500 per year depending on the plan.
Preventive care
On the Top, Premium and Premium Plus plans, up to €100 per year (e.g. deworming or vaccinations).
C-section and birth
We cover the costs of a medically necessary C-section and pre-birth check-ups, once per animal.
What is not covered
Known pre-existing conditions
If the illness, accident or malformation was already known when taking out the policy, we do not cover treatment costs.
Breed-standard surgery
We do not cover procedures intended to achieve the respective breed standard.
Brachycephalic syndrome
Treatments required due to breeding-related shortening of the skull are not covered.
Natural disasters
Illnesses and accidents caused by natural disasters, epidemics or pandemics are excluded.
Mating and phantom pregnancy
Illnesses or accidents related to mating or phantom pregnancy of the insured animal.
Real claim examples
Cruciate ligament surgery
A tear while playing leads to surgery costs of €3,000–3,500, plus medication and physiotherapy. With the Premium plan, full cost coverage including up to 120 days of aftercare.
Nighttime emergency care
A nighttime emergency at the veterinary clinic, billed at up to 4x the official rate, quickly generates four-figure costs. With Basic cover, even emergency care is reimbursed.
Hip dysplasia treatment
A chronic condition requiring ongoing treatment, medication and possible surgery. With Premium Plus, a short waiting period (6 months) and comprehensive cost coverage.
Frequently asked questions
What is pet health insurance?
It helps you cover veterinary costs if your pet suffers an illness or accident. Otherwise, you would have to pay these costs yourself.
Which breeds is it available for?
We offer the policy for numerous breeds, both mixed and pedigree, since no animal is immune to illness or accidents.
When should I take it out?
The earlier, the better: this way waiting periods end sooner and you avoid being left without cover if your pet becomes ill or ages.
Can I choose my own vet?
Yes, the choice of veterinarian or clinic is entirely up to you.
Is the insurance valid abroad?
Yes, although reimbursement is limited to what would apply to a veterinarian in your country of residence, according to the official fee schedule.
Do pre-existing conditions affect the policy?
Yes. Certain pre-existing conditions such as epilepsy, diabetes, allergies or joint dysplasia can exclude coverage if they were known before signing the policy.
Want to protect your pet's health?
Tell us your pet's species, breed and age, and we will help you choose the right plan.
Request free advice