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Facts

Health Insurance for your pet

Veterinary medicine offers nowadays standards comparable to human medicine.

Pet health insurance makes this high-quality care possible without financial worries, as it largely covers the costs for diagnostics and therapies for dogs, cats and rabbits.

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Pet health insurance helps in these situations:

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  • Accidents & Acute Illness: Quick help with high, unpredictable costs

  • Chronic Conditions: Coverage of ongoing treatment costs in old age

  • Preventive Care: Subsidies for vaccinations, parasite protection, and dental prophylaxis

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Is pet health insurance worth it?

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Even if your animal is currently healthy: Costs for surgeries (including diagnostics and follow-up care) can quickly exceed €1,000. Chronic ailments cause monthly costs for a lifetime. Insurance secures you against this financial risk.

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Pet Health Insurance – What models are available?

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  • Comprehensive Cover (Vollversicherung): Extensive protection for diagnostics, outpatient/inpatient treatment, medication, and preventive care

  • Surgery-only Cover (OP-Versicherung): More affordable basic protection that specifically covers the high costs of surgical interventions (under anesthesia)

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Important points when choosing a plan:

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  • Free choice of veterinarian and coverage of preventive measures

  • Diagnostics & Aftercare: Should be included without time limits

  • Fee Schedule (GOT): Reimbursement up to 3x or 4x the rate (important for emergency services)

  • Coverage Limits: Ideally no annual maximum limit and a low deductible

  • Foreign Coverage & Transparency: Protection while on vacation and clear exclusion criteria

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What factors determine the premium price?

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  • Scope of Insurance: Surgery-only vs. Full protection

  • Species, Breed & Age: Younger animals are significantly cheaper

  • Usage & Health: (e.g., hunting dogs; consideration of pre-existing conditions/waiting periods)

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How do I find the right insurance?

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  • Sign up early: Young animals are healthier and cheaper to insure

  • Compare: Check the benefits in the fine print and look at online reviews/tests

  • Exchange ideas: Ask friends and acquaintances for their experiences​​​​

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For a detailed and up-to-date comparison of providers, please visit www.eisbaumtabelle.de

Important Note:

Health insurance is not liability insurance – dogs usually require a separate liability policy (Hundehaftpflicht)!

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