Countless cat and dog insurance providers are on the market right now.
From the most comprehensive policies to the most budget-friendly options, there’s plenty to choose from—but finding the right coverage for your cat or dog can be tricky.
So, what is the best pet insurance in Germany this year?
Unlike standard health insurance, insurance for your dog or cat comes in various forms, covering everything from routine check-ups to unexpected surgeries.
At Feather, we researched and compared over 15 dog insurance providers in Germany to help you find the policy that best fits yours and your pet’s needs.
Several top-tier insurance companies have introduced new plans this year, and we’ve rounded up some of the best options to guide your decision.
But, if you’re new to dogs & cats insurance, check out our guide on how pet insurance works.
Disclaimer:
This article reflects our independent assessment and should be considered alongside your criteria for determining the “best” pet health insurance. Consulting with an insurance broker may be more beneficial than relying solely on this article to find a plan that truly meets your needs.
Our rankings are based on a structured methodology, which we recommend reviewing to ensure it aligns with your priorities.
Insurance plans, pricing, and reviews are subject to change. The information in this article was last updated on March 10, 2025.
Now that it’s settled, let’s dive in.
Where to start looking for the best pet insurance in Germany
| Company | Recommended for | Starting price (monthly) | Trustpilot rating |
| Feather | English speakers | €14.60 | 4.8 out of 5 |
| Hespter | Affordability | €7.42 | 2.5 out of 5 |
| Allianz | Older pets | €11.14 | 4.1 out of 5 |
Feather: Recommended for English-speakers
| Pros | Cons |
 English support available |  Minimum 1-year contract |
| App helps submit your claims in minutes | Pets over 6 years old are ineligible |
| No limits on surgeries | Breed standardization procedures excluded |
| Can tailor your plan to your needs with many customization options |
Example costs
We obtained these quotes directly from the company’s website. Dog rates were calculated for a purebred Beagle with 80% reimbursement on veterinary bills, while cat rates were based on an indoor, mixed-breed cat.
Surgery plan
| Dog | Cat | |
| 1 year old | €18.43 per month | €14.60 per month |
| 5 years old | €21.09 per month | €16.28 per month |
Plus plan
| Dog | Cat | |
| 1 year old | €59.27 per month | €39.86 per month |
| 5 years old | €59.63 per month | €46.20 per month |
Our take on Feather
Feather stands out with its top-rated service, earning 4.8 out of 5 on Trustpilot—making it the highest-rated pet insurance in Germany.
One of Feather’s biggest strengths is its flexibility.
You can tailor your plan to fit your needs, whether you want coverage for major surgeries only or a more comprehensive policy that includes preventive treatments like tick and flea repellents.
Feather also keeps things simple when it comes to commitment. After the first year, you can cancel anytime—no questions asked.
And, if you enroll your pet before their 6th birthday, they’ll be covered for life—regardless of how much you claim.
Pet health insurance in Germany
Disclaimer
Please note that this is our list, so our advice comes with some bias. However, with over seven years of experience, over 1,000 five-star reviews, and a relentless passion for making insurance honest and simple, we believe we’ve earned a top spot for expats in Germany. That said, please take our claims with a healthy dose of skepticism.
Hepster: Recommended for affordability
| Pros | Cons |
| Your pet is covered for accidents immediately. | Coverage limits apply on most plans, which could impact your out-of-pocket costs |
| Covers up to four times the GOT-set rate | Worldwide coverage is limited to 6-months at most |
| Most affordable surgery-only plans in our rating | 49% of reviews are 1-star. |
| Difficult to contact English-speaking support |
Example costs
We obtained these quotes directly from the company’s website. Dog rates were calculated for a purebred Beagle with 80% reimbursement on veterinary bills, while cat rates were based on an indoor, mixed-breed cat.
Premium surgery-only plan
| Dog | Cat | |
| 1 year old | €7.42 per month | €9.08 per month |
| 5 years old | €9.83 per month | €9.37 per month |
Premium medical treatment plan
| Dog | Cat | |
| 1 year old | €38.84 per month | €15.71 per month |
| 5 years old | €54.14 per month | €18.99 per month |
Our take
Hepster keeps surgery coverage affordable, making it an excellent choice for pet owners looking to save on big medical bills.
We emphasize “big” bills because Hepster’s 20% deductible means you’ll typically cover a significant portion of smaller expenses out of pocket, making it less ideal for routine vet visits or minor treatments.
However, for major procedures, the coverage can provide substantial savings.
While their plans come with some strict limits in the early years, they still offer substantial benefits relative to the cost.
If your primary concern is protecting yourself from expensive surgery bills without overspending, Hepster’s plans are worth considering.
The Premium plan offers the best value (in our opinion), but if you want an even lower rate, you can opt for the Base plan with a €250 deductible for extra savings.
Disclaimer:
Hespter offers a range of plans, but not all are considered here. Coverage, pricing, and features may vary depending on individual circumstances, eligibility, and policy terms. We strongly encourage you to review the details of each plan carefully and consult with a qualified insurance broker to determine the best coverage for your specific needs. Visit Hespter’s website for more information.
Allianz: Recommended for older pets
| Pros | Cons |
| 4.1 out of 5 rating on trustpilot | 48% of reviews are 1-star |
| Horses can be covered | Difficult to contact English-speaking support |
| No age limits on cats & dogs | Coverage limits are restrictive on the lower-tiered plans |
Example costs
We obtained these quotes directly from the company’s website. Dog rates were calculated for a purebred Beagle with 80% reimbursement on veterinary bills, while cat rates were based on an indoor, mixed-breed cat.
Base plan
| Dog | Cat | |
| 1 year old | €11.14 per month | €7.54 per month |
| 5 years old | €17.27 per month | €7.54 per month |
Base plan, with medical treatment add-on
| Dog | Cat | |
| 1 year old | €41.82 per month | 30.14€ per month |
| 5 years old | €47.95 per month | €25.82 per month |
Our take
Allianz stands out for its willingness to insure pets of any age, making it a great option for those with older animals—though it’s important to note that premiums increase significantly for senior pets.
Unlike many competitors, Allianz even offers horse coverage.
Most plans impose surgery limits—such as a €3,000 cap on the Base plan—but higher-tier policies remove these restrictions, offering unlimited surgical coverage.
And while it’s a difficult topic, Allianz’s Premium plan covers euthanasia costs, ensuring pet owners won’t face financial stress during an already emotional time.
For even more comprehensive coverage, the “full health insurance” add-on provides up to €2,000 for treatments without surgery, plus a €50 annual preventive care allowance—or €5,000 in treatment coverage and €100 in preventive care on higher-end plans.
With flexible options and broad coverage, Allianz is a strong choice for pet owners—especially those looking for reliable protection for older pets.
Disclaimer:
We focused on Allianz’s pet insurance plans because they stand out for their coverage options, especially for older pets. However, other insurers may offer similar benefits at different price points. Additionally, coverage limits, premiums, and terms may vary based on your pet’s breed, age, and location. We recommend reviewing Allianz’s official website or speaking with a representative for the most up-to-date details.
Methodology
We believe transparency is essential when evaluating insurance providers, so we want to share exactly how we compiled this list.
Below is a detailed breakdown of our process:
1. Identifying the contenders
Our process began with our insurance experts’ input. We contacted our internal team of insurance professionals to identify 20 insurance providers that met our initial selection criteria.
These companies were chosen based on market reputation, coverage, and expertise.
2. Gathering quotes and sample policies
We obtained quotes and sample policies from the 20 insurance providers to ensure an accurate and meaningful comparison.
We analyzed around 40 different policies, considering multiple coverage tiers and options.
This allowed us to assess budget-friendly and comprehensive plans to ensure our list accommodates various needs and financial considerations.
3. Analyzing the fine print
With the sample policies in hand, we conducted an in-depth review of each plan’s details. Our analysis focused on key policy elements, including:
- Price: We compared the cost of policies across providers to determine which offered competitive pricing relative to their coverage.
- Coverage details: We examined what each policy covers.
- Exclusions: Just as important as what is covered is what is not. We carefully reviewed policy exclusions to understand the limitations of each plan.
- Coverage limits: We assessed the maximum payout amounts for different categories to identify potential gaps or restrictions.
- Deductibles: We looked at the out-of-pocket costs policyholders would need to pay before their coverage kicks in, as this can significantly impact the overall value of a plan.
4. Evaluating customer satisfaction
To gain insight into real customer experiences, we analyzed reviews from Trustpilot as a proxy for customer satisfaction.
While we acknowledge that online reviews often skew negative (since dissatisfied customers are more likely to leave feedback than satisfied ones), we considered recurring themes in the reviews to identify potential service strengths and weaknesses.
We recommend that readers explore additional review platforms such as Google Reviews, Yelp, and industry-specific consumer forums for a more comprehensive perspective. The latest review analysis for this article was conducted on March 10, 2025.
5. Assessing customer support responsiveness
Over three weeks, we contacted each company’s helpline on 10 separate occasions, calling at different times and on various days. Our primary goal was determining whether each company could connect us with an English-speaking representative.
Conclusion
Well, there you have it—our selection of what we believe are some of the best pet health insurance providers.
We’ve aimed to give you a well-rounded overview, but the best insights often come from real customers.
We highly recommend checking out a provider’s online reviews to ensure the plan fits your pet’s needs, budget, and expectations.
Even better, consult a dog insurance broker who can guide you toward the best option.
If you’re new to pet insurance, check out our guide to better understand how dog & cat insurance work in Germany.
Curious if Feather’s insurance is the right fit for your dogs or cats? Contact our team, or drop your questions below, and we’ll get back to you within a couple of days!
