Pet health insurance in Germany

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.

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.

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.

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

Yes, when the policy is purchased, your pet must be at least 8 weeks old and no more than 9 years old.

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