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Pet health insurance for dogs and cats in Germany in Germany: every tariff, every wording
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| Provider and tariff | Plan type | Fee scale rate | Annual limit | Outpatient treatment | Prevention budget | Illness waiting period |
|---|---|---|---|---|---|---|
| AGILAHunde-OP-KostenschutzTake out | yesBB § 6.1.1, page 22 | yesBB § 6.1.1, page 22 | yes, up to the sum insuredAHKV § 2, page 19 | no | yes, up to the sum insuredBB § 7.1, page 23 | yesBB § 11, page 24 |
| AGILAHundekrankenschutzTake out | yesBB § 6.2.1, page 23 | yesBB § 6.2.1, page 22 | yes, up to the sum insuredAHKV § 2, page 19 | yes, up to the sum insuredBB § 6.2.1, page 23 | yes, up to the sum insuredBB § 7.1, page 23 | yesBB § 11, page 24 |
| AGILAKatzen-OP-KostenschutzTake out | yesBB § 2.1.1, page 28 | yesBB § 2.1.1, page 28 | yes, up to the sum insuredAHKV § 2, page 26 | no | yes, up to the sum insuredBB § 3.1, page 29 | yesBB § 7, page 30 |
| AGILAKatzenkrankenschutzTake out | yesBB § 2.2.1, page 29 | yesBB § 2.2.1, page 28 | yes, up to the sum insuredAHKV § 2, page 26 | yes, up to the sum insuredBB § 2.2.1, page 29 | yes, up to the sum insuredBB § 3.1, page 29 | yesBB § 7, page 30 |
| ARAGTierProtect Kranken BasisTake out | yesTeil C Ziffer 2.2, page 29 | yesTeil C Ziffer 11.1, page 35 | yes, up to EUR 10,000Teil C Ziffer 13.1, page 35 | yes, up to the sum insuredTeil C Ziffer 5, page 30 | yes, up to EUR 50Teil C Ziffer 6.2, page 32 | yesTeil C Ziffer 8, page 34 |
| ARAGTierProtect Kranken KomfortTake out | yesTeil C Ziffer 2.2, page 29 | yesTeil C Ziffer 11.1, page 35 | yes, up to the sum insuredTeil C Ziffer 13.1, page 35 | yes, up to the sum insuredTeil C Ziffer 5, page 30 | yes, up to EUR 100Teil C Ziffer 6.2, page 32 | yesTeil C Ziffer 8, page 34 |
| ARAGTierProtect Kranken PremiumTake out | yesTeil C Ziffer 2.2, page 29 | yesTeil C Ziffer 11.1, page 35 | yes, up to the sum insuredTeil C Ziffer 13.1, page 35 | yes, up to the sum insuredTeil C Ziffer 5, page 30 | yes, up to EUR 150Teil C Ziffer 6.2, page 32 | yesTeil C Ziffer 8, page 34 |
| ARAGTierProtect OP BasisTake out | yesTeil B Ziffer 2, page 23 | yesTeil B Ziffer 10.1, page 26 | yes, up to EUR 8,000Teil B Ziffer 12.1, page 26 | noTeil B Ziffer 14.1.22, page 28 | noTeil B Ziffer 14.1.7, page 27 | yesTeil B Ziffer 7, page 26 |
| ARAGTierProtect OP KomfortTake out | yesTeil B Ziffer 2, page 23 | yesTeil B Ziffer 10.1, page 26 | yes, up to EUR 10,000Teil B Ziffer 12.1, page 26 | noTeil B Ziffer 14.1.22, page 28 | noTeil B Ziffer 14.1.7, page 27 | yesTeil B Ziffer 7, page 26 |
| ARAGTierProtect OP PremiumTake out | yesTeil B Ziffer 2, page 23 | yesTeil B Ziffer 10.1, page 26 | yes, up to the sum insuredTeil B Ziffer 12.1, page 27 | noTeil B Ziffer 14.1.22, page 28 | yes, up to EUR 100Teil B Ziffer 5.2, page 25 | yesTeil B Ziffer 7, page 26 |
| BarmeniaGothaerOperationskostenversicherung für Hunde nach UnfällenTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.2.1 a), page 2 | not addressed | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | not addressed |
| BarmeniaGothaerOperationskostenversicherung für PferdeTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 2 | not addressed | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| BarmeniaGothaerOperationskostenversicherung für TiereTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| BarmeniaGothaerOperationskostenversicherung für Tiere Premium PlusTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| BarmeniaGothaerTier-KrankenversicherungTake out | yesTeil A Übersicht, page 2 | yesTeil A Abschnitt 1 Ziffer 3.1 a), page 3 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 3.8, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 1, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 3.2, page 5 | yesTeil A Abschnitt 1 Ziffer 2.2, page 3 |
| BarmeniaGothaerTier-Krankenversicherung Premium PlusTake out | yesTeil A Übersicht, page 2 | yesTeil A Abschnitt 1 Ziffer 3.1 a), page 3 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 3.8, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 1, page 5 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 3.2, page 5 | yesTeil A Abschnitt 1 Ziffer 2.2, page 3 |
| DA DirektTierversicherung Krankenschutz KomfortTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredZiffer 3.3.1, page 4 | yes, up to EUR 80Tarifblatt, page 1 | noneZiffer 4, page 6 |
| DA DirektTierversicherung Krankenschutz PremiumTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredZiffer 3.3.1, page 4 | yes, up to EUR 100Tarifblatt, page 1 | noneZiffer 4, page 6 |
| DA DirektTierversicherung Krankenschutz Premium PlusTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredZiffer 3.3.1, page 4 | yes, up to EUR 120Tarifblatt, page 1 | noneZiffer 4, page 6 |
| DA DirektTierversicherung OP-Schutz KomfortTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | noZiffer 6.2, page 7 | noZiffer 6.2, page 7 | noneZiffer 4, page 6 |
| DA DirektTierversicherung OP-Schutz PremiumTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | noZiffer 6.2, page 7 | noZiffer 6.2, page 7 | noneZiffer 4, page 6 |
| DA DirektTierversicherung OP-Schutz Premium PlusTake out | yesZiffer 2, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | noZiffer 6.2, page 7 | noZiffer 6.2, page 7 | noneZiffer 4, page 6 |
| DFVTierkrankenSchutz Hunde-KrankenversicherungTake out | yesAnhang, page 1 | yesB. Ziffer 3.1, page 7 | yes, up to EUR 5,000Anhang, page 1 | yes, up to the sum insuredB. Ziffer 3.2, page 7 | yes, up to EUR 100Anhang, page 1 | yesB. Ziffer 6, page 7 |
| DFVTierkrankenSchutz Hunde-OPTake out | yesAnhang, page 1 | yesB. Ziffer 3.1, page 7 | yes, up to EUR 5,000Anhang, page 1 | noAnhang, page 1 | noB. Ziffer 9, page 8 | yesB. Ziffer 6, page 7 |
| die BayerischeHunde OP-VersicherungTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.2.1 a), page 2 | not addressed | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | not addressed |
| die BayerischeTier OP-VersicherungTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| die BayerischeTier OP-Versicherung Premium PlusTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| die BayerischeTier-KrankenversicherungTake out | yesTeil A Übersicht, page 2 | yesTeil A Abschnitt 1 Ziffer 3.1 a), page 3 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 3.8, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 1, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 3.2, page 5 | yesTeil A Abschnitt 1 Ziffer 2.2, page 3 |
| die BayerischeTier-Krankenversicherung Premium PlusTake out | yesTeil A Übersicht, page 2 | yesTeil A Abschnitt 1 Ziffer 3.1 a), page 3 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 3.8, page 4 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 1, page 5 | yes, up to the sum insuredTeil A Abschnitt 2 Ziffer A1 - 3.2, page 5 | yesTeil A Abschnitt 1 Ziffer 2.2, page 3 |
| HUK-COBURGOP-Schutz BasisTake out | yesA.3.2, page 11 | yesA.4.2, page 12 | yes, up to EUR 5,000A.3.2.1 b., page 12 | noA.3.2, page 11 | noA.6.9, page 17 | yesC.1.1.1, page 19 |
| HUK-COBURGOP-Schutz ClassicTake out | yesA.3.2, page 11 | yesA.4.2, page 12 | yes, up to the sum insuredA.3.2.1 b., page 12 | noA.3.2, page 11 | noA.6.9, page 17 | yesC.1.1.1, page 19 |
| HUK-COBURGVoll-Schutz BasisTake out | yesA.3.2, page 11 | yesA.4.2, page 12 | yes, up to EUR 3,000A.3.2.2 b., page 12 | yes, up to the sum insuredA.4.4 a., page 12 | yes, up to EUR 75A.4.19 d., page 15 | yesC.1.1.1, page 19 |
| HUK-COBURGVoll-Schutz ClassicTake out | yesA.3.2, page 11 | yesA.4.2, page 12 | yes, up to the sum insuredA.3.2.1 b. und A.3.2.2 b., page 12 | yes, up to the sum insuredA.4.4 a., page 12 | yes, up to EUR 100A.4.19 d., page 15 | yesC.1.1.1, page 19 |
| LVMMeineKlassikTake out | yesTeil A § 4 Ziffer 2, page 7 | yesTeil A § 10 Ziffer 2, page 10 | yes, up to the sum insuredTeil A § 6 Ziffer 9, page 9 | yes, up to the sum insuredTeil A § 8, page 9 | yes, up to EUR 100Teil A § 9 Ziffer 2, page 10 | yesTeil A § 11 Ziffer 2, page 10 |
| LVMMeinPremiumTake out | yesTeil A § 4 Ziffer 2, page 7 | yesTeil A § 10 Ziffer 2, page 10 | yes, up to the sum insuredTeil A § 6 Ziffer 9, page 9 | yes, up to the sum insuredTeil A § 8, page 9 | yes, up to EUR 100Teil A § 9 Ziffer 2, page 10 | yesTeil A § 11 Ziffer 2, page 10 |
| MÜNCHENER VEREINHundGesund OP-SchutzTake out | yesB.1.6, page 5 | yesB.7.1, page 8 | yes, up to the sum insuredB.3, page 6 | noB.1.6, page 5 | yes, up to the sum insuredB.8, page 9 | yesB.6, page 7 |
| MÜNCHENER VEREINHundGesund Voll-SchutzTake out | yesB.1.6, page 5 | yesB.7.1, page 8 | yes, up to the sum insuredB.3, page 6 | yes, up to the sum insuredB.1.3, page 4 | yes, up to the sum insuredB.8, page 9 | yesB.6, page 7 |
| PetoloHund KomfortTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 80Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PetoloHund PremiumTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 100Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PetoloHund Premium PlusTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 120Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PetoloKatze KomfortTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 80Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PetoloKatze PremiumTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 100Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PetoloKatze Premium PlusTake out | yesZiffer 3.2.1, page 4 | yesZiffer 3.2.5, page 4 | yes, up to the sum insuredTarifblatt, Leistungsbegrenzungen, page 2 | yes, up to the sum insuredTarifblatt, Versicherungsleistungen, page 1 | yes, up to EUR 120Tarifblatt, Gesundheitsbudget, page 1 | noneZiffer 4, page 6 |
| PETPROTECTOP-Kostenversicherung für Hunde nach Unfällen KomfortTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.2.1 a), page 2 | not addressed | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | not addressed |
| PETPROTECTOP-Kostenversicherung für Tiere ExklusivTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| PETPROTECTOP-Kostenversicherung für Tiere Exklusiv PlusTake out | yesZiffer 2.1.1.1, page 2 | yesZiffer 2.3.1 a), page 3 | yes, up to the sum insuredZiffer 2.5, page 3 | noZiffer 2.1.1.2, page 2 | noZiffer 3.2 a), page 3 | yesZiffer 2.2.2, page 2 |
| UelzenerHunde-KrankenversicherungTake out | yesInformationsblatt, page 1 | yesInformationsblatt, page 1 | yes, up to the sum insuredInformationsblatt, page 1 | yes, up to the sum insuredInformationsblatt, page 1 | yes, up to EUR 500Informationsblatt, page 1 | not addressed |
| UelzenerHunde-OP-VersicherungTake out | yesInformationsblatt, page 1 | yesInformationsblatt, page 1 | yes, up to the sum insuredInformationsblatt, page 1 | no | yes, up to EUR 500Informationsblatt, page 1 | not addressed |
| UelzenerHunde-OP-Versicherung PREMIUMTake out | yes5.6, page 6 | yes2.1, page 2 | yes, up to EUR 3,0001.2, page 1 | no3, page 5 | no3, page 5 | yes1.5, page 2 |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
About this archive, data downloads
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 78 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- Allianz
- Getsafe
- HanseMerkur
- Helvetia
- Lassie
- Provinzial
- SantéVet
For software and AI
The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.
Updated