Product Overview

Dog Health Insurance – PETPROTECT


PETPROTECT Hundekrankenversicherung is a comprehensive insurance product designed to cater to the healthcare needs of dogs in Germany. The policy offers unlimited coverage for treatment and surgery, including costs for diagnosis, medication, and other veterinary services. Pet owners can choose from four tariffs, including Komfort, Premium, Exklusiv, and Exklusiv +, and opt for additional dental and preventive care packages.

Key Benefits:

  • Unlimited reimbursement for treatment and surgery costs
  • Coverage for diagnosis, medication, and other veterinary services
  • No long waiting periods for accidents
  • Optional dental and preventive care packages
  • Video Call Vet Visits from FirstVet

PETPROTECT Hundekrankenversicherung is a dog health insurance product that offers a wide range of benefits to pet owners in Germany. With coverage for treatment and surgery costs, the policy ensures that pet owners can provide their dogs with the best possible care without worrying about expenses. The policy includes a number of tariffs, including Komfort, Premium, Exklusiv, and Exklusiv +, each with varying coverage levels and premiums.

Benefits and Coverage

One of the key benefits of the policy is its unlimited reimbursement for treatment and surgery costs, allowing pet owners to take care of their dogs without worrying about financial constraints. Whether it’s routine checkups, emergency surgeries, or long-term treatments, the policy provides complete coverage for all veterinary services. The policy also covers costs for diagnosis, medication, and other veterinary services.

Another advantage of PETPROTECT Hundekrankenversicherung is that there are no long waiting periods for accidents, giving pet owners peace of mind if their dog faces an unexpected injury. However, there is a 30-day waiting period for illnesses and a one-year waiting period for a few specified diseases, such as hip dysplasia or patellar luxation. Pet owners can also opt for a self-deductible of 0% or 20% with varying premiums.

In addition to the standard coverage, the policy also includes optional dental and preventive care packages, allowing pet owners to customize their policy according to their dog’s healthcare needs. The dental package offers up to 300€ in coverage for dental procedures, while the preventive care package provides up to 50€ in coverage for preventive checkups, vaccinations, and other preventive measures.

Pet owners can also take advantage of Videosprechstunden from FirstVet, a service that allows pet owners to consult with a veterinarian online via video call. This feature provides convenience and immediate access to professional advice, particularly useful for situations that may not require a physical visit to the vet.

Possible Drawbacks

While Petprotect Hundekrankenversicherung offers a range of benefits, it is important to consider a few potential drawbacks. Firstly, the policy does not cover pre-existing conditions, meaning any health issues that your dog had prior to obtaining the insurance will not be included in the coverage. Additionally, there is a waiting period for illnesses, so it is important to plan ahead and consider the potential costs during this period.


In terms of pricing, the premiums for Petprotect Hundekrankenversicherung are determined based on factors such as the dog’s breed, age, and selected tariff. It is recommended to request a personalized quote to get an accurate estimate of the premium cost. Furthermore, it is important to note that the policy does not cover routine checkups or vaccinations, as these are considered preventive measures and typically not included in pet insurance policies.

Should you get it?

In conclusion, PETPROTECT Hundekrankenversicherung is a comprehensive dog health insurance product that provides extensive coverage for treatment and surgery costs, giving pet owners the peace of mind to prioritize their dog’s healthcare. With the flexibility to choose from different tariffs and optional packages for dental and preventive care, pet owners can customize the policy to suit their dog’s specific needs. However, it is important to be aware of the waiting periods for illnesses and the exclusion of pre-existing conditions. Obtaining a personalized quote is recommended to understand the exact pricing for your dog’s insurance coverage.


Standalone Dog Surgery Cost Insurance

PETPROTECT offers a separate standalone insurance especially for surgery cost that protects your furry friend in case of unexpected medical emergencies. With their Hunde OP Versicherung (dog surgery insurance), PetProtect provides coverage for medically necessary surgeries, ensuring that your dog receives the best possible care without putting a strain on your finances.

One of the key features of this insurance product is its high reimbursement rate, with coverage of up to 100% of the costs depending on the chosen tariff. This means that you can have peace of mind knowing that a significant portion, if not all, of the surgical expenses will be covered. Additionally, PetProtect offers coverage for a variety of surgical procedures, ranging from tumor removal and wound repair to more complex surgeries like cruciate ligament repair. This ensures that your dog is protected regardless of the type of surgery required.

Furthermore, PetProtect’s Hunde OP Versicherung offers flexibility and convenience. With no age limits, no waiting periods, and no extensive health checks, it is easy to get your dog covered quickly and efficiently. The insurance also extends its coverage beyond the borders of Germany, providing worldwide protection for your dog during travel or extended stays abroad. The inclusion of coverage for post-operative care within 30 days of the surgery highlights the comprehensive nature of this insurance product.

Overall, PetProtect’s Hunde OP Versicherung could present a cheaper option compared to the dog health insurance and practical solution to safeguard your dog’s health and your finances. With its expansive coverage, high reimbursement rates, and flexibility in terms of age and health requirements, this insurance product ensures that you can provide the best medical care for your beloved canine companion without the worry of exorbitant surgical expenses.