TOP 5 Pet Insurances in Germany (2024)

If you are looking to insure your pet, there are a couple of insurance options that you should consider. Pet liability insurances and pet health insurance are both offered by many German insurance companies.

Both insurances will give you peace of mind – find out more about them below.

Tip: You can manage all your different types of insurance in an app, for example by CLARK, so you can see all your contracts at a glance. They currently offer a 30€ Amazon gift card if you add at least two contracts to their free app.

As a pet owner, you are responsible for damages caused by your pet. Liability insurance will provide coverage if your pet causes injuries, property damages, or other financial costs brought on by your animal’s accident. The scope of coverage depends on the type of liability insurance you choose. Dog owners will need to pull out dog liability insurance or Hundehaftpflicht. The state you live in will determine if dog liability insurance is compulsory. Some states require it for all dogs, some states require it for dogs deemed as aggressive, and others only recommend it. The Bund Der Versicherten (The Federation of Insureds) also recommends pulling out liability insurance for horses, this insurance is known as Pferdeversicherungen. For cats or other small animals you don’t need to pull out insurance specifically for this pet, private liability insurance typically covers these animals. Check out our private liability page for details on how you and your small animal can acquire liability insurance.If your animals are considered dangerous like a snake or a lizard, you can obtain an exotic animal liability insurance which is typically called Exotische Tierhalter-Haftpflichtversicherung.

If you are looking for pet health care coverage there are many options available. In most cases, insurance companies offer different pricing tiers with different types of coverage. For example, if you would like to have coverage in case your pet needs surgery then you can opt for an insurance that only covers surgery costs, this is called Tierkrankenversicherung (OT). The typical health care plans are offered to both dogs and cats. In german, dog health insurance is called Hundekrankenversicherung while cat health insurance is called Katzekrankenversicherung. We’ve rounded up a few health care offers that are worth looking into.

Pet Liability Insurance:

As a pet owner in Germany, you are responsible for any damages caused by your animal. This is stated in § 833 BGB (German Civil Code). Pet liability insurance can help protect you if your pet causes injuries, property damage, or breakage of items. This Insurance may also cover legal fees and financial loss incurred by a pet’s accident.

When it comes to pet liability insurance, it is recommended to obtain this insurance for dogs and horses. The Bund Der Versicherten (The Federation of Insureds) recommends that the sum insured should at least be a flat rate of 5 million euros for property damage and personal injury.

Dog Liability Insurance:

Dog liability insurance (Hundehaftpflichtversicherung) is compulsory for all dogs in some states, compulsory for certain breeds that are considered “dangerous” in some states, and in others, it is only recommended for all dogs. Comprehensive coverage for a dog will cost between 50 and 80 euros.

Horse Liability Insurance:

The Bund Der Versicherten recommends Horse liability insurance (Pferdeversicherungen) especially given their size and strength of horses. Comprehensive coverage for a horse will cost between 100 and 150 euros.

Liability Insurance for cats and other small animals:

Cats and other small animals are typically covered under your own private liability insurance. Keep in mind that both pet liability insurances and private liability insurances do not cover the damage any animal causes to the owner and the owner’s personal property.

Pet Health Insurance:

Pet health insurance is not compulsory, but it will give you peace of mind. There are two types of pet health insurances that are typically offered – pet health insurance and surgery cost insurance.

Cat and Dog Health Insurance:

Pet health insurances cover various types of veterinarian bills and expenses related to surgery. The amount of coverage you receive varies depending on the insurance company and the package you choose. The cost will also differ depending on the type of animal, the breed, the animal age, and the health history of your animal. To apply for pet health insurance, your pet must be older than eight weeks and younger than four years old.

Pet Surgery Cost Insurance

Since pet health insurances are pricy in comparison to vet costs, you can also choose a plan that will only cover the cost of surgery. Pet surgery cost insurance will only cover cost relating to surgery – which can be the most expensive unexpected medical cost for an animal.