Pet Health Insurance in Germany

Q: What is considered an accident under the pet health insurance policy?

An accident is an event that suddenly affects the body of the insured animal from the outside and results in physical damage to the insured animal. Ingestion of foreign/damaging bodies and poisoning (including food poisoning) are also considered accidents.

Q: What is the cancellation policy for pet health insurance?

The initial contract term is for one full year, after which you can request the cancellation anytime. This applies to both surgery coverage and standard health insurance coverage plans.

Q: Are surgeries already included in the pet health insurance standard coverage?

Yes. the standard pet health insurance includes all the benefits of operation costs.

Q: Are there any age restrictions for coverage for pet health insurance?

Yes, when the policy is purchased, your pet must be at least 8 weeks old and no more than 6 years old.

Q: Can I still purchase pet insurance if my pet has a pre-existing condition?

Certain pre-existing conditions restrict you from taking out insurance for your pet if you are aware of them before taking out the policy.

Woman laying with her ginger cat after veterinary visit

Why get pet health insurance with Feather?

No worrying about expensive veterinary bills, our insurance has you covered when your pet needs you most.

Free choice of veterinarian or pet clinic

No restriction on which licensed vets or clinics you can use, you're free to go with your preferred choice.

Worldwide coverage

Travelling with your pet? Their health insurance coverage is global, for your peace of mind.

Customisable plans

From the level of coverage to the deductible, we'll build a plan that's right for your pet and your pocket.

Dog staring at screen choosing the right pet health insurance plan

Which pets are covered?

Currently, we offer pet health insurance for dogs and cats, who should be over 8 weeks old or under 6 years old when the policy is purchased. They may not be eligible for coverage if they suffer from certain pre-existing conditions.

Woman and her dog choosing the right pet health insurance

Choose your plan

Different pets - and owners- have different needs. We offer you the flexibility of having two different levels of coverage to choose from, with our surgery coverage and standard coverage plans.

Want to know more?

You can get a personal quote or talk to us to learn more about the plans!

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What’s not covered?

Surgeries for pre-existing conditions

Operations for illnesses, accidents, congenital, genetic or acquired abnormalities of which you were aware prior to the start of the policy.

Breed standardization procedures

Treatments and operations that serve to establish the respective breed standard that are not deemed medically necessary.

Brachycephalic syndrome treatment

Treatments and operations required due to brachycephalic syndrome, such as the operation on a soft palate that is too long.

Pets must not be 6 years old or older

Your pet must be at least 8 weeks old and no older than 6 years old on the start date of the pet health insurance.

Some considerations

Waiting Periods

There is a 1 month waiting period before you can begin using the policy. However, this doesn’t apply in case of accidents, or (for standard cover) preventative treatments. There is also an 18 month waiting period for surgical eyelid corrections and hip joint dysplasia.

Deductibles

When it comes to deductibles the choice is yours - pay a little more and enjoy peace of mind with a €0 deductible for covered medical expenses, or save on your monthly premiums and opt for 20% deductible when the need for treatment arises.

Frequently asked questions

Pet health: What is the difference between surgery and standard insurance coverage?

Surgery coverage only covers the costs directly related to an operation.
Standard insurance is pet health insurance that also covers surgeries and the additional costs that are incurred for other treatments for your animal, such as outpatient treatment costs, physiotherapy, preventive services, or certain dental treatments.
An operation is a veterinary medically required surgical intervention under general or local anesthesia to restore the pet’s state of health.