Pet Insurances in Germany
If you are looking to insure your pet, there are a couple of insurance options that you should consider. Pet liability insurances and pet health insurance are both offered by many German insurance companies.
As a pet owner, you are responsible for damages caused by your pet. Liability insurance will provide coverage if your pet causes injuries, property damages, or other financial costs brought on by your animal’s accident. The scope of coverage depends on the type of liability insurance you choose. Dog owners will need to pull out dog liability insurance or Hundehaftpflicht. The state you live in will determine if dog liability insurance is compulsory. Some states require it for all dogs, some states require it for dogs deemed as aggressive, and others only recommend it. The Bund Der Versicherten (The Federation of Insureds) also recommends pulling out liability insurance for horses, this insurance is known as Pferdeversicherungen. For cats or other small animals you don’t need to pull out insurance specifically for this pet, private liability insurance typically covers these animals. Check out our private liability page for details on how you and your small animal can acquire liability insurance. If your animals are considered dangerous like a snake or a lizard, you can obtain an exotic animal liability insurance which is typically called Exotische Tierhalter-Haftpflichtversicherung.
If you are looking for pet health care coverage there are many options available. In most cases, insurance companies offer different pricing tiers with different types of coverage. For example, if you would like to have coverage in case your pet needs surgery then you can opt for an insurance that only covers surgery costs, this is called Tierkrankenversicherung (OT). The typical health care plans are offered to both dogs and cats. In german, dog health insurance is called Hundekrankenversicherung while cat health insurance is called Katzekrankenversicherung. We’ve rounded up a few health care offers that are worth looking into.
Both insurances will give you peace of mind – find out more about them below.