Pet Insurance in Germany: A Guide for Expats and Pet Owners
Owning a pet in Germany comes with responsibilities—and expenses. From unexpected vet visits to chronic illness treatment, pet care can be costly. That’s where pet insurance in Germany becomes a smart investment.
Whether you’re adopting a cat, dog, or exotic animal, understanding how animal health insurance works can save you from high veterinary bills and ensure your pet gets the care it needs.
This guide explains the types of pet insurance available, what’s covered, how much it costs, and what to consider as an expat or new pet owner in Germany.
Why Pet Insurance Matters in Germany
Veterinary Costs Can Be Surprisingly High
Germany has a well-developed veterinary system, but it’s not cheap. Pet owners are responsible for 100% of veterinary costs unless they have insurance. Costs can add up quickly:
- Emergency visit: €100–€300+
- Surgery: €500–€2,000
- Chronic illness treatment: €1,000+/year
- Dental work: €150–€600
Having insurance gives peace of mind and prevents tough financial decisions when your pet needs urgent care.
Legal Responsibility and Liability for Pet Owners
In Germany, dog liability insurance (Hundehaftpflicht) is required in many federal states and strongly recommended even where it’s not mandatory. If your dog causes damage or injury, you could be held financially responsible. This type of insurance is separate from health coverage but essential for dog owners.
Types of Pet Insurance in Germany
Pet Health Insurance (Tierkrankenversicherung)
This covers medical expenses for accidents, illnesses, surgeries, and often preventive care. Some policies include vaccinations, parasite treatments, and check-ups.
Two common types:
- Full pet health insurance: Covers most treatments, including surgery and outpatient care.
- Surgery-only insurance: Cheaper, covers only operations and related care.
Dog Liability Insurance (Hundehaftpflichtversicherung)
Covers damages your dog causes to other people, property, or pets. Required in Berlin, Hamburg, Lower Saxony, and several other regions.
Not included in regular pet health insurance.
Special Insurance for Exotic Pets
For pets like reptiles, rabbits, or birds, specific insurance plans may be available. These are less common and vary by provider.
What Does Pet Insurance in Germany Cover?
Common Inclusions in Pet Health Policies
- Vet treatment for illness or injury
- Surgery costs
- Medication and diagnostics
- Inpatient and outpatient care
- Alternative treatments (acupuncture, physiotherapy)
Higher-tier plans often include:
- Vaccinations
- Preventive care
- Dental care
- 24/7 vet hotline access
What’s Typically Not Covered
- Pre-existing conditions (at the time of insurance)
- Cosmetic procedures
- Breeding-related treatments
- Costs from neglect or illegal ownership
- Some medications or supplements
Always read the policy terms carefully to avoid surprises during emergencies.
How Much Does Pet Insurance Cost in Germany?
Monthly Premiums Based on Animal and Breed
Prices vary depending on the provider, coverage level, breed, age, and animal type. On average:
- Dogs: €20–€60/month for full coverage, ~€10–€20 for surgery-only
- Cats: €10–€30/month for full coverage
- Dog liability insurance: €4–€10/month
Some insurers offer discounts for multiple pets or annual payments.
Factors That Affect Premiums
- Pet’s age: Younger pets have lower premiums
- Breed: High-risk or large breeds cost more
- Level of coverage: Comprehensive plans cost more
- Deductibles and co-pay options
Comparing different providers is essential to find the best plan for your budget and pet’s needs.
Best Pet Insurance Providers in Germany
Popular and Trusted Pet Insurance Companies
Some well-known insurance providers include:
- AGILA: Specializes in pet health and surgery insurance
- Uelzener: Offers comprehensive pet policies and liability insurance
- Helvetia: Covers dogs and cats with flexible plans
- Getsafe: Known for app-based policies and easy claims
- DFV (Deutsche Familienversicherung): Offers dental care options too
Each provider has unique offerings, so always compare what’s included before choosing.
Tips for Choosing the Right Provider
- Look for direct billing to vets, so you don’t pay upfront
- Choose a provider with clear English communication, helpful for expats
- Review maximum coverage limits and annual caps
- Check waiting periods (some policies have a 1-3 month delay for illness claims)
How to Get Pet Insurance in Germany
Application Process Step-by-Step
- Compare providers online using pet insurance comparison tools
- Choose the type of insurance (health, surgery-only, or liability)
- Enter your pet’s details: age, breed, health status
- Choose your coverage level and deductible
- Submit the application online or via phone
- Once approved, coverage typically begins immediately or after a short waiting period
Some providers may request vet check-ups or vaccination proof before approving the policy.
Do You Need a German Address or Bank Account?
Yes. You typically need:
- German address
- German IBAN or SEPA-compatible bank account
- Optional: Tax ID or proof of residence
Most insurers accept expats, but having a residence permit can streamline the process.
Is Pet Insurance Worth It in Germany?
When It Makes Sense Financially
Pet insurance is especially worth it if:
- You own a young animal prone to injuries
- Your pet’s breed is prone to health issues
- You can’t easily cover unexpected vet costs
- You live in a city with high vet fees like Berlin or Munich
- You’re planning long-term residence in Germany
Paying a small monthly fee can prevent large financial burdens later on.
When You Might Not Need It
- If your pet is older and already has pre-existing conditions
- If you have enough savings to cover major medical costs
- If your pet is very low-risk and indoor-only
In such cases, a surgery-only plan or building a personal pet fund might be sufficient.
Pet Insurance and Expat Life in Germany
Why It’s Useful for Expats and Newcomers
- Unfamiliar with the healthcare system? Insurance makes vet visits smoother.
- Language barrier? Many insurers offer English-speaking support.
- Tenant requirements? Some landlords require dog liability insurance.
- Traveling in the EU? Some plans offer Europe-wide coverage, ideal for mobile lifestyles.
Pet insurance helps expats avoid unexpected vet bills and provides legal peace of mind in case of accidents or injuries involving their pet.
Protect Your Pet and Your Wallet in Germany
Pet insurance in Germany isn’t just about saving money—it’s about ensuring your animal receives the best care without financial stress. With various plans available, from full health coverage to surgery-only and liability insurance, there’s an option to suit every pet owner’s budget and needs.
For expats, navigating veterinary costs in a new country can be overwhelming. Choosing the right pet insurance helps you focus on enjoying life with your furry friend—knowing you’re protected when it matters most.
