dog health insurance germany: what to know before you pick a policy

Why it matters

Veterinary costs in Germany have risen under the GOT fee schedule, and a torn ligament or poisoning can cost thousands. A policy can cushion shocks, whether you choose surgery-only cover (OP) or a broader plan that includes exams, meds, and rehab. Watch for waiting periods, exclusions for pre-existing conditions, breed surcharges, and whether dental and alternative therapies are included.

What influences price and coverage

Premiums depend on age, breed, and region, plus your chosen deductible and reimbursement rate. Check annual caps, freedom to visit any Tierarzt, cover for travel within the EU, and how emergencies outside office hours are billed.

• Compare reimbursement levels and yearly limits.
• Check waiting periods and chronic condition rules.
• Ask about direct billing with clinics and 24/7 lines.
• Look for dental, physio, and preventive add-ons.
• Review cancellation terms and premium adjustments.

Practical tips

Insure early, ideally before issues arise, and keep records like microchip and vaccination status. Expect prices from around 10€ for OP-only to 80€+ for comprehensive. Combine cover with Hundehaftpflicht where required, keep invoices, and submit claims promptly via the insurer’s app.