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Pet Insurance Statistics, Facts & Trends (2025)

Pet ownership is rising globally, with the number of pets closing in on [nearly a billion pets worldwide](https://healthforanimals.org/reports/pet-care-report/global-trends-in-the-pet-population/#worldwide). Driving this growth in pet ownership is a growing middle class with disposable income that can be spent on their animals. 


Along with a trend towards greater pet ownership and pets living longer, the cost of veterinary expenses is also increasing. However, pet insurance ownership remains low in most markets. 


In this post, we’ll unpack the latest data on pet ownership, the costs of having a pet cat or dog and the size of the pet insurance market. 


## Key pet insurance statistics: Our top picks


- **900M** global pet owners in 2024\.
- **58%** of homeowners own at least one pet.
- **63%** of Millennial dog owners are men.
- **11\.4%** increase in average dog lifespan (U.S., 2002–2016\).
- **60\.48%** of insured pets are dogs.
- Only **4%** of dogs have dog insurance, while only **1%** of cats have [cat insurance](https://feather-insurance.com/pet-health-insurance/cat) in North America.
- **$18\.32B** global pet insurance market value in 2024\.
- **$28,801** average lifetime cost of owning a dog in the U.S.


## How many people own pets?


- **900M** people globally own pets.
- **70%** of U.S. households have at least one pet (up from 68% in 2016\).
- **45%** of German households own pets (**34\.3 million** pets living in the country).
- **32%** of U.S. pet owners are Millennials (ages 25–40\). Gen Z (people under the age of 25\) at **20%**.
- **43\.5%** YoY growth in Gen Z pet ownership (U.S., 2023–2024\).
- **25%** of German pet owners are over 60\.


Source: [Health for Animals](https://healthforanimals.org/reports/pet-care-report/global-trends-in-the-pet-population/), [American Pet Products Association](https://americanpetproducts.org/news/the-american-pet-products-association-appa-releases-2025-state-of-the-industry-report), [PetfoodIndustry.com](https://www.petfoodindustry.com/pet-ownership-statistics/news/15670716/in-germany-cats-remain-the-most-popular-pet)


## How does gender influence pet ownership?


- **63%** of Millennial dog owners are men; **37%** are women.


**54%** of Millennial cat owners are women; **45%** are men.


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/3-Split-of-pet-ownership-by-gender-among-Millenials--1024x614.png)
Source: [American Pet Products Association](https://americanpetproducts.org/news/the-american-pet-products-association-appa-releases-2025-state-of-the-industry-report)


## What are the most popular pets?


- The most common pet is a dog. **1 in 3** homes globally has a dog.
- **25%** of pet owners on Earth have cats.
- **133M cats** vs. **92M dogs** in the EU.
- In Germany, there are approximately **15\.7 million cats** and **10\.5 million dogs**.
- In China, there are approximately **74M dogs**.


In the USA, there are approximately **85M dogs**.


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/1-Pet-ownership-by-major-region-1024x614.jpg)
Source: [Health for Animals](https://healthforanimals.org/reports/pet-care-report/global-trends-in-the-pet-population/), [PetfoodIndustry.com](https://www.petfoodindustry.com/pet-ownership-statistics/news/15670716/in-germany-cats-remain-the-most-popular-pet), [Insuranceopedia](https://www.insuranceopedia.com/pet-insurance/pet-ownership-statistics), [American Veterinary Medical Association](https://ebusiness.avma.org/ProductCatalog/product.aspx?ID=2206)


## Which countries have the highest rates of pet ownership?


Outside of the United States and China, Brazil has the highest number of pets. Brazilian pet owners have roughly **54\.2 million dogs** and **23\.9 million cats**. 


Here is the breakdown of countries by the number of pet cats and dogs:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/2-Pet-ownership-by-country-1024x614.jpg)
Source: [Health for Animals](https://healthforanimals.org/reports/pet-care-report/global-trends-in-the-pet-population/)


## How does income influence pet ownership?


Pet ownership is typically more prevalent in households with higher incomes:


- **60%** of U.S. households earning **\>$80K** own pets.
- **36%** of households earning **\<$20K** own pets.
- **58%** of homeowners own dogs; **36%** own cats.
- **39%** of renters own dogs; **29%** own cats.


Source: [FinanceBuzz](https://financebuzz.com/pet-ownership-statistics), [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/)


## How many people have more than one pet?


The majority of pet owners typically have more than one pet:


- **42%** of German cat\-owning households have two or more cats.
- **45%** of U.S. cat households have two or more cats.
- Multi\-pet households in the country have, on average, **1\.5 dogs** and **1\.8 cats** per household.
- **47%** of rural U.S. adults have multiple pets.
- **71%** of rural U.S. adults own at least one pet.


Source: [PetfoodIndustry.com](https://www.petfoodindustry.com/pet-ownership-statistics/news/15670716/in-germany-cats-remain-the-most-popular-pet), [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/)


## What are the leading causes of pet mortality?


The average lifespan of pets has steadily increased over the past 20 years. 


In the United States, the average life expectancy of dogs increased from **10\.5 years to 11\.8 years** between 2002 and 2016, representing an **11\.4%** increase.


In Japan, dogs live **50%** longer today than they did in the 1980s, while cats’ average life expectancy has grown by **230%** during the same period. 


Here is the breakdown of the leading causes of mortality for cats and dogs:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/4-Leading-cause-of-death-cats-1024x614.jpg)
![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/5-Leading-cause-of-death-dogs-1024x614.jpg)
Source: [National Library of Medicine](https://pubmed.ncbi.nlm.nih.gov/9005839/), [National Library of Medicine](https://pmc.ncbi.nlm.nih.gov/articles/PMC9799304/), [Health for Animals](https://healthforanimals.org/wp-content/uploads/2022/07/Global-State-of-Pet-Care.pdf)


## How big is the pet insurance pet market?


- **$18\.32B** global market value (2024\).
- **17\.97% CAGR** projected (2025–2030\).
- Europe represents **41\.58%** of the global market.
- **85\.18%** of policies cover both accidents and illnesses.
- **60\.48%** of insured pets are dogs, making them the most commonly insured type of pet.


Source: [Grand View Research](https://www.grandviewresearch.com/industry-analysis/pet-insurance-market)


## How many people have pet insurance?


- Nearly **38%** of households have incurred debt to cover the cost of pet\-related medical care.
- **6\.25M** insured pets in North America (up from 5\.36M in 2022\).
- **4%** of dogs and **1%** of cats insured in North America.
- **30%** of German dog owners have full health insurance for pets.
- **23%** of German cat owners have full coverage.
- **27%** of German dog owners and **18%** of cat owners have surgical insurance.
- **80%** of pets are insured in Sweden.
- **47%** of dog owners are unlikely to buy insurance in the next 3 months.


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/6-Likely-to-buy-insurances-1024x614.jpg)
Source: [Grand View Research](https://www.grandviewresearch.com/industry-analysis/pet-insurance-market), [The Insurance Emporium](https://www.theinsuranceemporium.co.uk/blog/global-pet-insurance-adoption-rates/), [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#sources_section),  [Insuranceopedia](https://www.insuranceopedia.com/pet-insurance/pet-ownership-statistics)


## What are the top reasons for not buying pet insurance?


- **42%** cite perceived high cost as the reason for not buying insurance.
- **89%** of dog owners overestimate insurance cost.
- **76%** overestimate by at least **3x** the actual cost.


Here is the breakdown of the top 5 reasons among dog owners for not owning pet insurance:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/7-Reasons-to-not-buy-pet-insurance-1024x614.jpg)
Source: [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#sources_section)


## What is the average cost of owning a dog?


With the average lifespan of pet dogs increasing over the last two decades, pet owners have to prepare for **8 – 15 years** of pet\-related expenses. 


The estimated cost of owning a dog for the first year is **$1,300 – $2,800**. These costs include:  



- The price of buying a puppy from a store or breeder
- Adoption fees for dogs from a shelter
- Spaying or neutering
- Food
- Vet visits
- Medicine
- Toys
- Bedding
- Licensing fees (depending on the state or country)


This excludes the cost of pet insurance, dog walking services, or daycare. Sending a dog to doggy day care twice a week can increase the annual cost of ownership by an average of **$2,980** per year.


Even without these additional costs, the average lifetime cost of owning a dog across the United States is approximately **$28,801\.**


In the United Kingdom, the average lifetime cost of owning a dog is approximately **£ 21,000 ($ 26,000\)**. For smaller dogs under 15 kgs, the estimated lifetime cost decreases to **$24,454 (£18,414\)**. 


Source: [Petwise](https://petwisevet.com/lifetime-cost-of-pet-ownership/), [Insuranceopedia](https://www.insuranceopedia.com/pet-insurance/pet-ownership-statistics), [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#sources_section), [The Canine Times](https://thecaninetimes.co.uk/lifetime-cost-of-owning-a-dog-can-reach-21000-research-finds/)


## What is the average cost of owning a cat?


The estimated cost of owning a dog for the first year is **$960 – $2,500** for cats. These costs include: 


- The price of buying a cat from a store or breeder
- Adoption fees for cats from a shelter
- Spaying or neutering
- Food
- Vet visits
- Medicine
- Litter
- Toys
- Bedding
- Licensing fees (depending on the state or country)


The average lifetime cost of owning a cat across the United States is approximately **$15,000 – $45,000\.**  
Here is the breakdown of estimated annual costs for households with cats, dogs and both:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/10-Cat-and-dog-ownership-costs-1024x614.jpg)
Source: [Petwise](https://petwisevet.com/lifetime-cost-of-pet-ownership/), [Insuranceopedia](https://www.insuranceopedia.com/pet-insurance/pet-ownership-statistics), [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#sources_section)


## What are the most common pet illnesses?


The most common reasons for veterinary visits for cats are Urinary Tract Infections (UTI) and skin conditions in dogs. 


Here is the breakdown of the most common illnesses in cats and dogs: 



![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/9-Most-common-pet-illnesses-1024x614.jpg)
The average cost of treating a UTI in cats is **$1,100**. However, the most expensive treatment for both cats and dogs is cancer, costing **$3,800** and **$4,100**, respectively. 


Here is the average cost of medical treatment for common cat and dog conditions:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/8-Average-cost-of-treatment-1024x614.jpg)
Source: [Forbes](https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#sources_section)


## What is the average pet insurance claim amount?


The average pet insurance claim amount varies by region: 


- In the United States, it is **$445** per claim
- In the United Kingdom, it is **$887 (£668\)** per claim.​
- In Germany, it is **$260 (€230\)** per claim.


**29\.8%** of pet insurance claims submitted are for medication, making it the most common claim type. 


The average policy owner submits **3\.07** pet insurance claims per policy.


Here is the breakdown of the five most common pet insurance claims: 


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/most-common-claims-1024x529.png)
Source: [Truepanion](https://www.trupanion.com/pet-blog/article/3-billion-pet-insurance-claims), [Insurance Times](https://www.insurancetimes.co.uk/news/uk-pet-insurance-policies-reached-record-numbers-in-2023-abi/1452855.article?utm_source=chatgpt.com), [Feather Insurance](https://docs.google.com/document/d/1bs59iad8H10gFpKAvT9eDWu9UwwPzp37e1phShqpWuI/edit?tab=t.0#heading=h.szfsazriz0ia)


## How big is the dog liability insurance market?


The global market for pet liability insurance was valued at approximately  **$2\.1 billion** in 2023 and projected to reach **$4\.8 billion** by 2032\. 


About **4\.5 million people** are bitten by dogs each year with costs related to dog bites and related injuries reaching **$1\.57 billion** in 2024\. 


There were **22,658** dog bite claims submitted in 2024, a **18\.9%** increase from **19,062** in 2023\. The average cost per claim also increased from **$58,545** to **$69,272** between 2023 and 2024\. 


Here is the breakdown of the estimated number and cost of dog bite claims from 2015 to 2024 in the United States: 


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/11-Size-of-dog-liability-insurance-market-1024x614.jpg)
In Germany, our data shows that the average claim amount for dog liability insurance was **€611\.** The average refund amount was **€498,** with the largest refund amount being **€2,314\.**


**76%** of claims submitted were for property damage. 


Source: Feather Insurance, [Insurance Information Institute](https://www.iii.org/article/spotlight-on-dog-bite-liability), [DataIntelo](https://dataintelo.com/report/pet-liability-insurance-market)

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Best pet insurance in Germany: Our top 3

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](https://feather-insurance.com/blog/pet-insurance-germany-guide/).


**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](https://www.trustpilot.com/review/feather-insurance.com) |
| Hespter | Affordability | €7\.42 | [2\.5 out of 5](https://www.trustpilot.com/review/hepster.com) |
| Allianz | Older pets | €11\.14 | [4\.1 out of 5](https://www.trustpilot.com/review/www.allianz.de) |


## 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](https://www.trustpilot.com/review/feather-insurance.com) 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.


**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](https://www.trustpilot.com/review/hepster.com). |
|  | ❌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](https://www.trustpilot.com/review/www.allianz.de) rating on trustpilot | ❌[48% of reviews are 1\-star](https://de.trustpilot.com/review/www.hansemerkur.de) |
| ✅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](https://feather-insurance.com/blog/pet-insurance-germany-guide/).

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Is pet insurance worth it in 2026? A look at the data.

Vet bills can catch you off guard.


A routine visit turns into an emergency. A minor symptom reveals a serious condition. Suddenly, you’re facing costs you didn’t budget for.


If you had [pet insurance](https://feather-insurance.com/pet-health-insurance), it might not be an issue. Without it, you could be set back hundreds or even thousands of euros.


If you have a cat, a dog, or a beloved pet, unexpected health issues can be stressful and expensive.


So, the question is: Is pet insurance worth it?


Here’s what you need to know.


## How popular is pet health insurance in Germany?


Pet health insurance isn’t required in Germany. Still, it’s becoming increasingly popular, especially as veterinary costs continue to rise under the updated [veterinary fee schedule](https://www.gesetze-im-internet.de/got_2022/BJNR140100022.html), which outlines what vets can charge and can’t.


As of 2022, German households owned 15\.2 million cats and 10\.6 million dogs. Yet only [30% of dog owners and 23% of cat owners](https://www.grandviewresearch.com/industry-analysis/germany-pet-insurance-market-report#:~:text=The%20Germany%20pet%20insurance%20market,insurance%20specifically%20covering%20pet%20surgeries.) have comprehensive pet insurance.


Coverage for surgeries is even less common, with only [27% of dogs and 18% of cats](https://www.grandviewresearch.com/industry-analysis/germany-pet-insurance-market-report#:~:text=The%20Germany%20pet%20insurance%20market,insurance%20specifically%20covering%20pet%20surgeries.) insured for such procedures. 


But if more pet owners realized how much they could save with insurance, those numbers might look different. On average, households spend €323\.73 per year on veterinary costs for dogs, and €223\.15 for cats. That’s often enough to offset the cost of a basic insurance plan.


In other words, a single claim in a typical year could cover your premiums, and one or two major procedures in your pet’s lifetime could more than pay for the policy, even if your pet is generally healthy.


## What does pet health insurance cost?


Premiums vary depending on your pet’s species, breed, age, and location. 


For that reason, if you’re interested in finding out how much your pet would cost to insure, check out our [pet insurance calculator](https://feather-insurance.com/pet-health-insurance).


With that said, on average, you can expect to pay between €15 and €80 per month. 


These are the main factors impacting the cost of policies:


1. **Type of pet**: Cats usually cost less to insure than dogs. That’s because they visit the vet less often and are less likely to get injured. On average, cat insurance costs 23\.6% less than dog insurance.  
2. **Age of your pet**: Older pets typically cost more to insure because they need more care, and premiums usually increase as they age. Getting insurance while your pet is young is best; only the [great pet insurance companies](https://feather-insurance.com/blog/best-pet-insurance-germany/) will offer cat and dog insurance for pets over 8 years old.
3. **Breed**: Some breeds are more prone to specific health issues, making them more expensive to insure. For example, **Rottweilers** are at higher risk for conditions like hip dysplasia and aggressive bone cancers. Surgery is often needed and costly, making them one of the most expensive breeds to insure. In contrast, **mixed\-breed dogs** are less likely to have inherited conditions. On average, they’re **33% cheaper** to insure than Rottweilers.
4. **Coverage**: More coverage means higher monthly costs, bringing more peace of mind. For a one\-year\-old cat, you would pay approximately €14\.60/month to cover surgeries, but for complete [cat insurance](https://feather-insurance.com/pet-health-insurance/cat), covering routine and non\-surgical care, the bill would be closer to €39\.86/month.
5. **Deductibles**: Plans with deductibles typically come at a lower cost. This is because deductibles allow for a shared responsibility between you and your insurer, helping reduce premiums by having you contribute a portion of the costs when care is needed.


For instance, at Feather, our plan with a 20% deductible is, on average, 15% more affordable than plans with no deductible.


## What does pet insurance cover?


The main benefit? Protection from unexpected vet bills, especially for surgeries, accidents, and chronic conditions. 


Let’s take a closer look at each of those.


### Surgery and emergency treatments


Surgical procedures can cost hundreds, or even thousands, of euros. Pet insurance covers 70% to 100% of those expenses, depending on your selected plan and deductible.


At Feather, we reimburse an average of €400 per surgery, equivalent to nearly two years’ premiums. 


In some cases, we’ve covered procedures costing several thousand euros, equivalent to a decade or more of premiums! 


This makes pet insurance a valuable investment when unexpected medical needs arise.


### Routine and preventive care


Some plans, such as Feather’s Standard Plan, also cover **up to €800 per year** for medications and treatments, including physiotherapy. 


This is especially helpful if your pet develops a chronic condition like hip dysplasia. 


## So, is pet insurance worth it?


It can be, especially if you want the peace of mind of knowing your pet will get the care they need, no matter the cost.


Let’s take a look at concrete numbers:


The **average claim for pet insurance is €239**.


Let’s say you pay €221 per year for a basic plan. If you file even one claim, the policy has already paid for itself. 


For more serious treatments, such as surgery for hip dysplasia, costs can exceed **€2,000**, equivalent to over **nine years of premiums**.


So, to sum up, pet insurance is a wise investment if:


- You’d struggle to cover unexpected vet bills
- Your pet’s breed is prone to health issues.
- You want help covering regular, preventive care.


[BP] is pet insurance worth it

Couple holding Labrador dog after veterinary visit

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How pet insurance works in Germany

In this post, you’ll learn the ins and outs of pet insurance in Germany.


So, if you’re asking yourself…


- What is pet insurance?
- How does it work?
- Should you get pet insurance?
- What does pet insurance even cover?


Then you’re in the right place.


Let’s dive right in.


## What is pet health insurance?


Pet insurance in Germany (“Tierkrankenversicherung” or “Haustierversicherung) is like health insurance, but for pets. It’s most common for dogs and [cats](https://feather-insurance.com/pet-health-insurance/cat), but some companies offer plans for other animals (birds, reptiles, horses, etc.)


It helps cover the cost of vet bills when your pet gets sick or injured. You just pay the vet upfront, and then the insurance company reimburses you for eligible expenses like check\-up, treatment, or surgery.


Pet insurance is different from [pet liability insurance](https://feather-insurance.com/en-de/dog-liability-insurance). Pet liability insurance covers damages your pet might cause to other people, their property, or their finances. For example, if your dog bites someone or breaks something valuable, pet liability insurance can help cover those costs.


## Why get pet insurance in Germany?


There’s many reasons why you should get pet insurance. Here are the most common ones for our customers:


- **Protection from unexpected costs:** Vet bills can be expensive (In Berlin, a simple checkup for a cat will cost you over €90\).
- **Better care**: It allows you to choose based on what’s best for your pet, not just on what you can afford.
- **Prevents difficult decisions**: Sometimes, owners have to choose to put a pet to sleep because they can’t afford treatment. Insurance can prevent these heartbreaking situations by covering major medical expenses.
- **Immediate care**: With insurance, you don’t have to hesitate or delay seeking veterinary care.
- **Improves pet health**: When financial worries are removed, pets often receive better and more frequent care, leading to longer, healthier lives.


## How does pet insurance work?


Pet insurance in Germany is not mandatory, but it can be very helpful for managing pet health costs. 


Here’s how it works:


1. **Visit a vet**: With Feather, you can take your pet to any licensed vet or animal hospital for treatment. However, some companies might restrict you to a network (ie, a selection) of vets.
2. **Pay upfront**: After the treatment, you pay the vet bill upfront.
3. **Submit a claim**: Send a claim to your insurance company using mail, an app, or an online form.
4. **Get reimbursed**: After meeting your deductible, the insurance company reimburses you.  
The amount varies according to your plan, but typically ranges from 70% to 100% of the covered expenses. This usually happens within 5 to 10 days after submitting the claim.


As you compare pet insurance plans, it’s important to understand these terms to make sure you get the best plan for your needs:


- **Deductibles**: This is the amount you pay before insurance starts reimbursing you. It can be an annual amount or per incident. Higher deductibles usually mean lower monthly premiums.
- **Reimbursement rates**: Most plans cover 70% to 90% of the bill after you meet the deductible. Higher reimbursement rates often come with higher premiums.
- **Annual limits**: This is the maximum amount the insurance will pay each year. It can range from €2,500 to unlimited, depending on your plan.
- **Waiting periods**: Insurance doesn’t start covering costs right away. There is typically a waiting period of 10 to 30 days after you buy the policy. During this time, coverage is inactive.
	- **Injuries** might be covered after a few days.
	- **Illnesses** and conditions like orthopedic problems might have longer waiting periods, sometimes up to a year.
	- Conditions that develop during the waiting period are considered pre\-existing and won’t be covered.


## What types of pet insurance are available in Germany?


In Germany, pet insurance comes in different types, depending on what kind of coverage you want for your pet. Here’s a breakdown of the most common types:




| **Type of Plan** | **What it (usually) covers** | **What it (usually) doesn’t cover** | **Ideal for** |
| --- | --- | --- | --- |
| **Accident\-Only Plan** | Accidental injuries (e.g., broken bones, swallowing objects) | Illnesses (e.g., infections, cancer),Routine care (e.g., check\-ups, vaccinations) | Pet owners looking for basic, low\-cost coverage for unexpected accidents. |
| **Accident and Illness Plan** | Accidents,Illnesses (e.g., infections, cancer, allergies) | Routine wellness care (e.g., immunizations, flea treatments) | Pet owners wanting comprehensive coverage for a variety of health issues. |
| **Routine Wellness Plan** | Preventative care (e.g., vaccinations, flea treatments, spaying/neutering) | Accidents, Major illnesses (e.g., cancer, infections) | Pet owners focused on regular, preventative healthcare. |


## What does German pet insurance cover?


What’s covered by pet insurance will vary depending on the company you choose as well as the type of plan. However, this table should give you a general idea of what to expect.




|  | **What’s covered?** | **What’s not covered?** |
| --- | --- | --- |
| **Veterinary treatments** | Consultations, surgeries, medications, diagnostic tests (e.g., blood work, X\-rays). | Cosmetic procedures (unless medically necessary). |
| **Emergency care** | After\-hours visits, emergency surgeries. | Injuries or illnesses resulting from racing, fighting, cruelty, or neglect. |
| **Hospital stays \& rehabilitation** | Hospitalization, rehabilitation therapies (e.g., physiotherapy, hydrotherapy). | Experimental treatments. |
| **Prescription diets \& supplements** | Special diets or supplements prescribed by the vet. | Everyday pet food, toys, grooming, and vitamins. |
| **Pre\-existing conditions** | Generally not covered, but some may be covered if symptom\-free for 6\-12 months. | Conditions that existed before the insurance policy. |
| **Alternative therapies** | May include options like acupuncture, physiotherapy (if chosen as an add\-on). | Not included in most standard plans. |
| **Additional benefits** | Emergency care during travel, lost pet rewards, pet care during owner’s hospitalization. | Pet liability (e.g., dog bites) |
| **Routine care exclusions** | Some plans offer wellness care for routine exams, vaccines, and heartworm prevention | Routine care such as flea, tick, and worm treatments not covered under standard plans |
| **Age \& breed limitations** | Varies by plan; important for breeds prone to health issues. | Older pets (typically over seven years) may be refused coverage. |
| **Policy\-specific exclusions** | Each provider has its own set of exclusions. Important to review the specific policy. | Breeding and pregnancy\-related costs are typically not covered |


## How much does pet insurance cost in Germany?


The monthly cost of pet insurance in Germany typically ranges from **€15 to €80**. The exact amount you’ll pay depends on a few factors though:


1. **Pet type and breed**: Cats usually cost less to insure than dogs. Plus, some breeds, like French Bulldogs, can be more expensive to insure because they’re prone to health issues.
2. **Age**: Older pets often have higher premiums since they have a higher risk of illness.
3. **Deductible**: A higher deductible means a lower monthly premium, but you’ll have to pay more out\-of\-pocket when you make a claim.
4. **Reimbursement rate**: Choosing a lower reimbursement rate (the percentage of vet bills the insurance covers) can lower your premium.
5. **Coverage type**: Accident\-only plans are cheaper but don’t cover illnesses. Comprehensive plans cost more but offer better coverage.
6. **Annual limit**: Plans with lower annual limits on how much they’ll pay out typically have lower premiums.
7. **Add\-ons**: Extra coverage options, like wellness plans, will increase your monthly cost.
8. **Provider**: Different insurance companies have different prices, so it’s wise to compare options.


Many insurance providers let you adjust aspects of your coverage, including the **annual limit**, **deductible**, and **reimbursement percentage**. 


Setting lower limits, choosing a higher deductible, or opting for a lower reimbursement rate can reduce your monthly premium, but this will also limit the benefits you receive if your pet needs medical care.


## What is the difference between pet insurance, surgery insurance, and pet liability insurance?




|  | **Coverage** | **Focus** | **Cost** | **Legal Requirements** |
| --- | --- | --- | --- | --- |
| **Pet Insurance** | Veterinary care (accidents, illnesses, surgeries, medications, diagnostics) | Comprehensive healthcare | Typically higher due to broad coverage | Not mandatory |
| **Surgery Insurance** | Surgical procedures and related expenses | Limited to surgeries | Typically cheaper due to focused coverage | Not mandatory |
| **Pet Liability Insurance** | Damages/injuries caused by the pet to others or property | Financial protection from liabilities | Varies based on coverage and risk | May be mandatory in some Federal States, especially for dogs |


## Is pet insurance worth it in Germany?


The short answer? Yes, pet insurance is worth it in Germany. Here’s why…


Let’s start by comparing vet care costs with the monthly insurance premiums. 


For example, a major pet hospitalization in Germany might cost around €3,000\. In contrast, pet insurance could cost about €30 per month, or €360 per year. At this rate, it would take **more than eight years of premiums** to cover that €3,000 claim.


Plus, some breeds have a higher risk of health issues. For example, certain dogs are prone to conditions like hip dysplasia, requiring frequent vet visits. In these cases, insurance can help cover the expected, often higher, medical costs.


Overall, Vincent, pet insurance expert at Feather, sums it up best… 


“”Navigating life in a new country comes with enough challenges—pet insurance ensures your pet’s health isn’t one of them, allowing you to make the best decisions for their care without financial worries.””

Vincent
Pet insurance expert, Feather




But don’t take our word for it… 


Talk to your vet about common health issues for your pet’s breed and the costs of treatments for accidents or illnesses. Use this information to compare against insurance quotes. 


### Alternative to Pet Insurance


Another way to prepare for future medical expenses for your pets is to create a dedicated savings fund.


This involves setting aside a fixed amount of money each month and investing it, similar to how you would for a [private pension](https://feather-insurance.com/en-de/pension-insurance) or through investment options like Exchange\-Traded Funds (ETFs). By investing regularly, your money has the potential to grow over time, thanks to compounding and market gains.


However, this strategy is only effective if you start when your pet is young and healthy since building up a substantial fund requires time. 


The goal is to accumulate enough savings to cover both routine vet visits and unexpected medical procedures, rather than relying on it just for a single, large expense. This approach can be more cost\-effective than traditional pet insurance in the long run, provided you have enough time to grow your investments and are willing to limit visits to the vet in the first 7 to 10 years of your pet’s life.


## How to choose pet insurance in Germany


Choosing the right pet insurance is an important decision. Here’s a simple guide to help you through the process.


1. **Determine your coverage needs**Start by thinking about what kind of coverage your pet might need.  
Does your pet have any health conditions, or is it prone to certain illnesses? Choose a plan that fits these specific needs.  
For example, a young pet might need basic coverage, while an older pet might benefit from a more comprehensive plan.
2. **Get multiple quotes**Don’t settle for the first insurance policy you find. Get quotes from different insurance companies to compare prices and coverage.
3. **Review restrictions and exclusions**Before buying a policy, read the fine print carefully. Look for sample policies on the insurer’s website to understand what’s included and what’s not.  
For instance, some policies may not cover regular vet exams or certain pre\-existing conditions. Understanding these details will help you avoid surprises later.
4. **Balance cost and coverage**Compare the monthly premium with the benefits provided. Make sure the policy offers enough protection to meet your pet’s needs without being too expensive.
5. **Research insurance companies**Choose a reliable insurance company by checking reviews on websites like Trustpilot to see other customers’ experiences.  
Also, pick a provider with a good reputation in Germany that offers customer service in English (like Feather) if you’re not fluent in German.


By taking these steps, you’ll be better prepared to choose pet insurance that suits both your pet’s health needs and your budget.
