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Which Dog Insurance Do You Need in Germany? (2026)

By Jules de Bruin, Market ResearcherUpdated August 20 2026 | Found helpful by 7 others

The verdict

A dog means two separate policies. Hundehaftpflicht, third-party liability, can be compulsory and costs from EUR 36.89 a year. Hundekrankenversicherung, health and surgery cover, is voluntary everywhere and starts at EUR 139.44. Buy the liability first: it is the cheaper of the two and the only one law can require.

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Dog Health and Surgery Cover

5 policies in the catalogue publish an annual premium, cheapest first. All are quoted on a reference profile; your own premium depends on age and breed.

Sort by

Sorted by annual premium, not our recommendation. The default view is our ranking, weights published below.

Sorted by notice period, not our recommendation. The default view is our ranking, weights published below.

#1 by annual premiumEUR 139.44/year
#2 by notice period1 month

★ Cheapest premium

Figo

4.0

Figo (figopet.de). The risk sits with a partner carrier, named in your policy.

Pros

  • Germany-active (verified), dogs, cats, rabbits, birds
  • Unlimited-cap option

Cons

  • Configurable excess/reimbursement makes from-price non-comparable
See Figo
Cover limit

Cover limit

The most the insurer pays for a single claim (Deckungssumme). Everything above it is yours, which is why liability policies carry limits in the millions.

EUR 6,000
Excess

Excess

The part of every claim you pay yourself (Selbstbeteiligung). A EUR 150 excess means the first EUR 150 of any claim is yours; premiums fall as the excess rises.

None
Waiting period

Waiting period

The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.

1 month
Notice period

Notice period

How far ahead of the renewal date you must cancel in writing (Kündigungsfrist). Miss the window and the contract runs another full term.

1 month

Prices as of August 2026, verify on the provider site.

Best for owners who want the lowest published premium on this page

#2 by annual premiumEUR 233.28/year
#3 by notice period3 months

AGILA

4.4

AGILA Haustierversicherung AG (W&W group). Underwrites its own policies rather than fronting a partner insurer.

Pros

  • Market-specialist with 30 yrs data
  • OP from under EUR 8/mo

Cons

  • German only
See AGILA
Cover limit

Cover limit

The most the insurer pays for a single claim (Deckungssumme). Everything above it is yours, which is why liability policies carry limits in the millions.

Set per policy
Excess

Excess

The part of every claim you pay yourself (Selbstbeteiligung). A EUR 150 excess means the first EUR 150 of any claim is yours; premiums fall as the excess rises.

None
Waiting period

Waiting period

The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.

1 month
Notice period

Notice period

How far ahead of the renewal date you must cancel in writing (Kündigungsfrist). Miss the window and the contract runs another full term.

3 months

Prices as of August 2026, verify on the provider site.

Best for owners who want a routine-care budget, not only illness cover

#3 by annual premiumEUR 257.04/year
#1 by notice periodNo notice period

Lassie

4.3

Lassie AB (Sweden), German branch. Underwritten by Wakam; the carrier is named in your policy.

Pros

  • No fixed excess in Midi/Maxi
  • Gesundheitspauschale 250 EUR prevention budget in Maxi

Cons

  • Underwriter is partner carrier
See Lassie
Cover limit

Cover limit

The most the insurer pays for a single claim (Deckungssumme). Everything above it is yours, which is why liability policies carry limits in the millions.

EUR 6,000
Excess

Excess

The part of every claim you pay yourself (Selbstbeteiligung). A EUR 150 excess means the first EUR 150 of any claim is yours; premiums fall as the excess rises.

None
Waiting period

Waiting period

The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.

1 month
Notice period

Notice period

How far ahead of the renewal date you must cancel in writing (Kündigungsfrist). Miss the window and the contract runs another full term.

Cancellable daily

Prices as of August 2026, verify on the provider site.

Best for owners who want a stated cover ceiling rather than a per-quote limit

Petolo

4.0

Petolo GmbH. Underwritten by HanseMerkur; the carrier is named in your policy.

Pros

  • Published from-prices
  • OP and full health separate

Cons

  • German only
See Petolo
Cover limit

Cover limit

The most the insurer pays for a single claim (Deckungssumme). Everything above it is yours, which is why liability policies carry limits in the millions.

Set per policy
Excess

Excess

The part of every claim you pay yourself (Selbstbeteiligung). A EUR 150 excess means the first EUR 150 of any claim is yours; premiums fall as the excess rises.

None
Waiting period

Waiting period

The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.

1 month
Notice period

Notice period

How far ahead of the renewal date you must cancel in writing (Kündigungsfrist). Miss the window and the contract runs another full term.

3 months

Prices as of August 2026, verify on the provider site.

Best for owners who only want surgery covered, at a lower premium

SantéVet

3.9

SantéVet (Baloise group). Underwritten by Baloise; the carrier is named in your policy.

Pros

  • Specialist
  • Published from-prices

Cons

  • Upper-mid pricing
See SantéVet
Cover limit

Cover limit

The most the insurer pays for a single claim (Deckungssumme). Everything above it is yours, which is why liability policies carry limits in the millions.

Set per policy
Excess

Excess

The part of every claim you pay yourself (Selbstbeteiligung). A EUR 150 excess means the first EUR 150 of any claim is yours; premiums fall as the excess rises.

None
Waiting period

Waiting period

The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better.

1 month
Notice period

Notice period

How far ahead of the renewal date you must cancel in writing (Kündigungsfrist). Miss the window and the contract runs another full term.

3 months

Prices as of August 2026, verify on the provider site.

Best for owners who want a from-price up front instead of a quote

Which Policies Does a Dog Need?

Two products that get confused. Hundehaftpflicht pays for damage your dog causes to other people, and is compulsory for every dog in seven Bundesländer. Health and surgery cover pays your vet bills and is required nowhere. If you buy only one, buy the liability.

First: the liability policy

From EUR 36.89 a year, and compulsory depending on your Bundesland. Eight policies compared, with the Bundesland rules.

Policies With No Published Premium

These insurers quote individually, so the catalogue carries no annual premium for them. We do not estimate one.

Frequently Asked Questions

Is dog liability insurance mandatory in Germany?

There is no federal rule: each Bundesland decides. It is compulsory for every dog in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, compulsory only for listed or dangerous dogs in eight more, and voluntary in Mecklenburg-Vorpommern alone.

What does dog insurance cost a year?

They are two different products: liability starts at EUR 36.89 a year in this catalogue, and health and surgery cover at EUR 139.44. Health cover is a multiple of liability because it pays vet bills rather than damage you cause to other people.

Do you need both policies?

Liability yes, once your Bundesland requires it, and in practice anyway: section 833 BGB makes you liable without fault for what your dog does. Health cover is a cost decision, not a legal one.

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