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Product Overview

Pet Health Insurance – Coya

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Coya is a German insurance provider. Through their digital insurance platform, you can fully manage your insurances via a web browser or app. We like Coya because they breakdown all insurances in English, they have a super-friendly and quick responding customer service team, and best of all you can manage your insurance digitally.

Coya has recently rolled out a Pet Health Insurance for cats and dogs. Read more about it below.

❗️My German Finances Promotion: With our exclusive link, you can get a €15 discount for your first 12 months with Coya!

The Key Benefits Of Coya Pet Health Insurance:

  • Free choice of Veterinarian or clinic
  • A one time €100 health lump sum that can go towards health check, vaccinations, worming, flea and tick prevention, pental prophylaxis, castration or sterilization
  • Veterinary medically necessary treatments (illness or accident) 
  • Cost of necessary operations under anaesthesia
  • Accommodation at the veterinarian clinic or practice
  • 12 months of protection abroad
  • Cancel anytime  

Coya’s cat and dog health insurances allow you to select between a basic plan or customize your plan by choosing the deductible amount or with other add-ons that fit your pet health insurance needs.

You can apply for Coya insurance in English on their website using the link below. With our exclusive link, you can get a 15 € discount for your first 12 months with Coya.

We’ve broken down the terms and conditions for Coya Pet Health Insurance below:

Cats and dogs who qualify for this insurance: 

  • Must have a valid EU pet passport 
  • Must have basic immunization
  • Must be older than 8 weeks and younger than 4 years
  • Can not currently suffer from any undisclosed acute or chronic diseases
  • All domesticated breeds are insurable

What is insured:

As a Coya customer, you can choose between different tiers of pet health care coverage and choose add-ons depending on your preferences. Below we’ve listed what is insured for both the Basic tier and Premium tier insurances.

How the price of insurance is calculated: 

Your insurance cost will be calculated based on a number of factors. For instance, if you choose basic or premium coverage, if your animal has existing conditions, the age of your pet, the gender of the pet, the breed of your pet, etc.

You will be asked about all these factors when you apply for an estimate online.

Basic and Premium:

The offerings covered in the Basic plan is also covered in the Premium plan.

  • Free choice of Veterinarian or clinic
  • Veterinary medically necessary treatments (illness or accident) 
  • Cost of necessary operations under anaesthesia
  • A one time €100 health lump sum that can go towards health check, vaccinations, worming, flea and tick prevention, pental prophylaxis, castration or sterilization
  • Cost of Implantation of id microchip 
  • Analgesic dental treatment
  • Accommodation (20-day max) at the veterinarian clinic or practice
  • Medicine, bandages, remedies, aids. Up to the max rate in each cave based on the German Veterinary Fees Ordinance (GOT)
  • 12 months of protection abroad
  • Euthanasia

Premium Plan Only:

  • A yearly €100 health lump sum that can go towards health check, vaccinations, worming, flea and tick prevention, pental prophylaxis, castration or sterilization
  • Accommodation at the veterinarian clinic or practice
  • Outpatient and inpatient treatment
  • Necessary diagnostics 
  • Laser therapy 
  • Homoeopathy and acupuncture 
  • Treatment of allergies through hyposensitization
  • Chiropractic and Osteopathy
  • €250 towards Accommodation costs in a boarding house in case of hospitalization of the owner (Premium)

What is not insured:

  • Treatments started or advised before application 
  • Treatment or operation of congenital, hereditary, genetic, developmental abnormalities 
  • Operations to produce the respective breeding or breed standard
  • Treatment for Wobbler syndrome, Brachycephalic syndrome
  • Congenital malformations
  • Preventive or voluntary examinations and treatments 
  • Dentures and correction of dental and jaw anomalies 
  • Treatment if damage caused intentionally

Restrictions on coverage:

  • Staggering benefits (sum insured mass): 
    • up to 12 months has a €1000 max 
    • up to 24 month has a €2,000 max 
    • from 24 months has a €20,000 max
  • Cost absorption is selectable between 80% and 100%
  • Animals with previous illnesses can be insured as long as the medical treatment required is not in direct connection with the previous illness. 
  • A general waiting period of 30 applies

Compare other Pet Health Insurances in our overview page