Best Dog Liability & Health Insurance in Germany [2021 Guide]

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If you want to become a dog owner in Germany, you need to be aware that you might need two insurance types for your four-legged friend: dog liability insurance and health insurance.

In this article, we will explain the difference between liability and health insurance for dogs. We will also share what are the best dog insurances in Germany for expats. We hope this article helps you decide whether to get one or both insurances for your dog while you live in Germany.

Quick comparison of the best dog insurances in Germany

If you are short on time, and just want an answer. Here are the best pet insurances in Germany:

  1. CoyaOur choice for dog liability insurance, health and surgery insurance. For liability they cover up to 30 million euros. For health insurance they reimburse up to 20.000 euros. Both insurances have the option of no deductible, and everything is available in English.
  2. Getsafe – good liability insurance, covers up to 15 million euros and also with no deductible. Everything is also available in English.
  3. Helden another good German dog liability insurance. It covers up to 50 million euros, but there is a 180 euros deductible fee on every claim. Only available in German.

 CoyaGetsafeHelden
English Website & Supportpro checkpro checkx icon
Dog Liability Insurancepro checkpro checkpro check
Dog Health Insurancepro checkx iconx icon
Coverage in Euros (Liability)up to 30 millionup to 15 millionup to 50 million
No Deductible (Liability)pro checkpro check€150
Cancel Anytimepro checkpro checkpro check
Monthly Cost (Liability)from €5,99from €2,50from €5,75
Monthly Cost (Health)from €9,32x iconx icon

Dog liability insurance in Germany – everything you need to know

Dog liability insurance in Germany covers the financial damages caused by a person’s four-legged friend to a third party.

In Germany, every dog owner is legally liable for the damages caused by their pet to third parties – even if the owner is not present while the dog causes trouble or if someone else is looking after them. You will need to purchase dog liability insurance as your private liability insurance will not help you in these cases.

For example, you enter a shop and leave your dog Lukas outside. Lukas is tired and decides to lie down on the floor, directly in front of the door. A customer from the shop exits and does not see that Lukas is there, trips, and falls. She sues the owner for 15.000 euros. In court, the judge rules that the owner should pay this amount. If the owner does not have dog liability insurance, they need to pay from their pocket. 

No matter how well behaved your furry friend might be, shit always happens. According to the Federation of Private Insurers in Germany (GDV), every year, dog liability insurance companies pay over 80.000 euros worth of damages caused by four-legged friends. On average, such damages cost around 1.000 euros. However, there are around 100 accidents per year that cost 50.000 euros and more.

Infographic for dog liability insurance claims in Germany

Who needs dog liability insurance in Germany?

Dog owners in Germany are legally liable for the damages caused by their dog to third parties in all sixteen German states.

Six out of the sixteen German states require dog owners, regardless of their dog breeds, to have liability insurance by law: Berlin, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein, and Thuringia. Each of these states has a different minimum required for the damages the policy has to cover.

StateMinimum Personal InjuryMinimum Property Damage
Berlin1 million euros1 million euros
Hamburg1 million euros1 million euros
Lower Saxony500 thousand euros250 thousand euros
Saxony-Anhalt1 million euros500 thousand euros
Schleswig-Holstein500 thousand euros250 thousand euros
Thuringia500 thousand euros250 thousand euros
Source: hundehaftpflichtversicherungen-vergleich.de

In most other federal states, only dog owners of dangerous breeds have to have dog liability insurance. Dangerous dogs might include American Staffordshire Terrier, Staffordshire Bull Terrier, and Pit Bull Terrier

German map with areas where dog liability insurance is mandatory

Remember, even if your state does not require you to have dog liability insurance, you are still liable for any damage your dog might cause.

What does dog liability insurance cover in Germany?

Dog liability insurance in Germany usually covers the following five areas:

  1. Personal injury: The costs of medical care a third-party needs because your dog caused them harm. For example, your dog bites your neighbor.
  2. Property damage: The costs of repairing damages your dog did to buildings, flats, living quarters, or other property.
  3. Broken things: The cost of repairing or replacing things your dog breaks, like chewing a friend’s shoe or breaking a fancy flower pot.
  4. Financial loss: Any situation where your dog caused a financial loss to someone. For example, your dog causes someone to be late for a business meeting, and they lose a contract with a client.
  5. Passive legal fees: The legal and lawyer fees you might incur for fighting an unjustified claim in court.

Good liability insurances will also include:

  1. Worldwide coverage: Dog liability insurance from a German provider usually covers your dog for all stays outside Germany.
  2. Without leash: Damages caused by your dog when they are without a leash.
  3. Self-defense: Damages caused by your dog because they defend themselves.
  4. Bad debt protection: If the dog owner who hurt your dog does not have insurance, your dog liability insurance will cover the costs.
  5. Foreign guardian: The insurance would still cover the damages your dog causes even if a friend or family member is watching over them.

Depending on the insurance provider, you can purchase the following add-ons:

  1. Unintentional mating: If a male dog mates with a female dog without the owner’s permission, the owner of the male dog must pay for the damages that arise due to the unwanted pregnancy.
  2. Damage to rented property: For example, your dog pees in a rental car. 
  3. Puppies: This applies to female dogs; their offspring have liability protection for up to six or twelve months (depends on the insurance provider). This does not apply if the puppy is given to someone else.
  4. Dog health insurance (with surgeries included): covers the vet’s bills for medically treating your dog.

What does dog liability insurance not cover in Germany?

Most dog liability insurances do not cover:

  1. Specific dog breeds: Some insurance providers have a list of dog breeds not covered by the policy. 
  2. Damages to your property: If your dog damages your property or accidentally injures you or people living in the same house as you. 
  3. Intentional damages: For example, if someone intentionally commands their dog to attack someone.
  4. Wear and tear: For example, if your dog scratches the parquet floor in your apartment with their long nails every day. Your dog would cause wear and tear to your floor and therefore the insurance would not cover this.
  5. Glass damage: In case your dog breaks mirrors or glass doors. 
  6. Some electrical appliances: Damages to heating and electrical and gas appliances.

Dog health insurance in Germany – everything you need to know

A visit to the vet is unavoidable if you have a dog. Whether it is for a general check-up, to get vaccines or due to an accident or illness. The bills you get from such visits can sometimes be thousands of euros. 

If you don’t want to pay your dog’s visits to the vet from your pocket, we recommend purchasing a dog health insurance.

There are two types of dog medical insurances in Germany: 

  • Dog health insurance
  • Dog surgery insurance

🔥 Tip: If you want to have your dog covered against all medical costs and possible surgeries, you should consider getting premium insurance that covers both cases.

What does dog health insurance cover in Germany?

Dog health insurance in Germany usually covers the following five areas:

  1. Outpatient and inpatient treatments: for example, an ear infection.
  2. Checkups: For example, to get vaccinations.
  3. Medicine
  4. Diagnostics: for example, x-rays, MRIs, ultrasounds.
  5. Accommodation in a veterinary clinic.

💡 Good to know: Most dog health insurances allow you to choose whichever vet you pick to treat your four-legged friend.

Depending on the insurance provider, you can purchase the following add-ons:

  1. Surgeries: covers the costs for operations, follow-up treatments, and accommodation.
  2. Dog liability insurance: covers the damages your dog causes to a third-party person, property, or their finances.

Things to consider before purchasing a medical insurance for your dog:

  1. Age and race: Be aware that your dog’s age and race will have an influence on the price of the policy. The younger your dog is, the cheaper medical insurance policies tend to be.
  2. Vet fees: In Germany, there is an official fee schedule for veterinarians (a.k.a. GOT), which is set by the government. Vets are allowed to charge up to 3 times the amount established in the GOT. So make sure that your insurance explicitly shows that they will pay for claims that are up to three times more than the official fees so you are fully protected.

What is the Best dog insurance in Germany?

Here are our top picks for the best dog liability and health insurance providers in Germany.

1. Coya

Coya offers dog liability, surgery + health insurance. They are one of the most popular insurance providers for expats because they provide excellent customer support, their policies are easy to understand, you can cancel your policy anytime, and best of all: all of this is in English!

Dog Liability Insurance

Starting at 5,99 euros a month with no deductible, Coya offers dog liability insurance for your furry friend for up to 30 million euros of coverage.

Screenshot of Coya's dog liability website
Source: Coya

You can purchase the following add-ons to their basic plan:

  • Coverage to rented goods: They cover claims for up to 5.000 euros
  • SOS: Dog bite: if your dog gets bitten at the park, they cover the emergency costs at the vet for up to 500 euros
Coya dog liability benefits:

✅  Up to 30 million euros of coverage
✅  No deductible
✅  Add-on available for vet costs in case dog gets bitten
✅  Worldwide coverage – up to 5 years of being abroad

With our special Coya code, you even get a 15 euros discount. With the below link, the code is automatically applied to the Coya website at the end of your purchase.

Dog surgery + health insurance

Source: Coya

Coya’s dog surgery insurance starts at 9,32 euros a month. The basic policy will only reimburse 80% of surgical costs. However, you can easily remove the deductible and upgrade to a 100% of the expenses covered. 

The maximum reimbursement of costs is 1.000 euros for the first 12 months from the start of the insurance contract. A maximum of 2.000 euros for the first 24 months. After 24 months from the beginning of the insurance, Coya will reimburse a maximum of 20.000 euros.

Also, Coya will give you an annual precautionary bonus which you can use for health checks, worming, or any other non-urgent visits to the vet. This bonus is 100 euros once a year with Premium-Protection or a one-time payment with Basic-Protection.

You can purchase health insurance as an add-on for your dog. The basic vet insurance policy also covers 80% of the costs. If you wish, you can also remove the deductible to upgrade to 100% cover.

Keep in mind that the surgery and health insurance have one month of waiting period, so your furry friend will not be covered during the first 30 days, except for injecting their microchip and in case they are in car accidents.

Here is an overview of what the basic protection (surgery) and premium protection (surgery + health) insurances covers:

coya's terms and conditions for pet insurance
Source: Coya
Coya pet insurance benefits:

✅  Their health insurance pays the vet costs up to 3 times the rate of the official fee schedule
✅  Their surgery and vet insurance has 0 deductible in claims (if you upgrade to 100%)
✅  During a temporary stay abroad, insurance cover also exists worldwide for up to 12 months from the date of departure.
✅  Insurance can be purchased for all breeds

Coya pet insurance drawbacks:

⛔️ Their claim response rate seems to be slow during the Covid-19 crisis

With our special Coya code, you even get a 15 euros discount. With the below link, the code is automatically applied to the Coya website at the end of your purchase.

2. Getsafe

Getsafe is another popular option for expats. Just as with Coya, their services, contract, and website are all available in English. Their customers seem to be happy with their customer service and their app’s usability. You can check their customer’s reviews in Google Reviews.

Starting at 2,50 euros a month with no deductible, Getsafe offers dog liability insurance for up to 15 million euros in damages.

Screenshot of Getsafe's dog liability website
Source: Getsafe

Getsafe benefits:

✅  Website, contract, and customer service available in English
✅  Up to 15 million euros of coverage
✅  No deductible
✅  Worldwide coverage – up to 5 years of being abroad
✅  Cancel anytime

Getsafe Cons:

⛔️  Bad-debt protection not available
⛔️  Dog health insurance not available

3. Helden

Helden is a modern German insurance company, which also offers dog liability insurance. Their customers seem to be very happy with their customer service and insurance policies. You can check their reviews in Proven Expert.

Helden offers dog liability insurance for a flat rate of 69 euros a year (so that is 5,75 euros per month) with 150 euros deductible per claim. Their policy covers up to 50 million euros in damages.

Screenshot of Helden's dog liability website
Source: Helden

Helden benefits:

✅  Flat rate (not depending on age or breed)
✅  Up to 50 million euros of coverage
✅  Worldwide coverage – up to 5 years of being abroad
✅  Cancel anytime

Helden drawbacks:

⛔️  Not available in English
⛔️  Dog health insurance not available
⛔️  Deductible of 150 euros per claim

With our special Helden code SMPL6, you even save one month permanently. So you will only pay 11 months instead of 12 for the duration of your contract. With the below link, the code is automatically applied on the Helden website at the end of your purchase.

Conclusion

The insurance coverage you should choose depends on your personal wishes and financial situation.

If you are looking to fully insure your furry friend, you should consider Coya. You can have all of your policies in one place, and they offer great customer support and settle claims quickly. The dog liability insurance does not have any deductible, and you have the option to remove the deductible from the surgery + health insurance.

Happy pet insurance hunting! We hope your dog remains healthy! 🐶

 📣 This article contains affiliate links. When you click on the links of products we mention in this article and purchase it we will receive a small commission. It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving.

If you have any questions, feel free to contact us. We are happy to help.

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Jen
About the author: Jen is originally from Guatemala and moved to Germany in 2012 to start a new job without any knowledge of German or life in Germany. Jen’s mission is to help fellow expats beat bureaucracy and to have a smooth time while they settle into their new life in Germany.
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