Dog Health Insurance in 2023

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Good to know

  • Dog Health Insurance in Germany isn’t required, but it’s good to have it
  • Your dog’s operation can cost several thousand Euros

Dog Health Insurance (Hundekrankenversicherung)

The dog is your best friend and also a family member. Health insurance is compulsory for people in Germany, but not for dogs. It is wise for you and your dog to have dog health insurance because treatment costs are expensive. For example, surgery on your dog can cost thousands of euros.

Dog Health Insurance (Hundekrankenversicherung) is good to have

Dog health insurance protects your dog in the event of treatment or surgery. Every day more insurance companies are now offering health insurance for dogs.

Good insurance must cover as many eventualities as possible, for example:

  • Examinations and treatments
  • Medication and surgery covered
  • Accommodation costs in the veterinary clinic

In some cases, your dog’s operation can cost you several thousand Euros.

Unfortunately, not every insurance provides the same level of protection. Some insurance companies cover the assumption of costs, while others cover a specific sum. But still, some insurances cover both.

Dog Health Insurance List

Based on publicly available data, we have selected these nine insurance companies in Germany that can offer health insurance for your dog (there are more than these nine insurances that offer dog health insurance).

Health InsuranceWaiting period before the insurance begins
HanseMerkur1 Week
PetProtect30 Days (2 days in case of accidents)
Helvetia3 Months
Gothaer30 Days at illness
Petplan1 Month
Barmenia1 Month
Getsafe1 Month
Agila3 Months
Balunos1 Month
As of 10 January 2023
  • Coverage of the costs for treatments and surgery
  • Diagnostics, preventive, and aftercare
  • Annual flat rate for deworming, flea prevention, or else
  • Services up to 4 times the GOT rate
  • etc.
  • Up to 100% reimbursement
  • Services up to 4 times the GOT rate
  • Free video consultations via smartphone
  • Covered abroad
  • etc.
  • Operations including pre- and post-treatment
  • Free choice of veterinarian or veterinary clinic
  • Reimbursement of 80% for each case
  • Protection abroad worldwide, up to twelve months
  • etc.
  • Coverage of operation costs, including X-rays and diagnostics
  • Free choice of veterinarian
  • Insurance for medical treatments is possible
  • Immediate entitlement to benefits in the event of an accident
  • etc.
  • Medically necessary treatments and surgeries
  • FirstVet video consultation – unlimited
  • Denture treatments in case of accidents
  • Operations & treatments of joint diseases
  • etc.
  • Operations including partial anesthesia/local anesthesia without a maximum annual limit
  • Free choice of veterinarian
  • Services up to 3 times the GOT rate
  • Follow-up treatment
  • etc.
  • Up to 100% costs coverage
  • Free choice of veterinarian
  • 5,000 € coverage per year for surgeries
  • 24/7 online medical consultation
  • etc.
  • High sum insured for operations
  • Free choice of veterinary practice and clinic
  • All dog breeds included
  • Surgical costs incurred when traveling abroad
  • etc.
  • Examination days before the operation (1, 2, or 3 days)
  • Alternative healing treatments up to 10 weeks after an operation (max. 500 €)
  • Telemedicine
  • Emergency transport (100 € / per occurrence)
  • etc.

All the above information comes from the official websites of the insurance companies featured in the list (As of 10 January 2023).

The above information is only part of the overall information. For complete details, it is best to look directly at the official websites of the insurance companies mentioned above.

Must-Read Info

If you want to check the offer of other insurances, look at the page Financial Advisors in Germany, where you will undoubtedly find someone to offer you a suitable insurance policy for your dog.

Everything about other types of insurance in Germany can be found on the link Insurance.

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Dog Health Insurance in 2023
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