Pet insurance in Germany: what it costs
What a typical dog and cat policy costs in Germany, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€29.90 a month, about €358.80 a year
Hundeo (updated 20 Mar 2026, data checked 6 Jul 2026): starting prices of 17 insurers from 8.67 (Allianz) to 47.60 EUR/month (Uelzener). source
Cat
€14.21 a month, about €170.52 a year
Transparent-beraten.de: full cover from 14.21 EUR/month for a 5-year-old outdoor mixed-breed cat (12.54 for a 3-month domestic cat, 18.90 for a 4-year-old British Shorthair). Check24 (Aug 2026): cheapest health insurance from 9.80/month (kitten), OP-only from 2.39. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €19.73 | €236.81 |
| Small | €23.32 | €279.86 |
| Medium | €26.01 | €312.16 |
| Large | €33.19 | €398.27 |
| Giant | €44.85 | €538.20 |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | €29.60 | €355 |
| French Bulldog | €42.76 | €513 |
| German Shepherd Dog | €32.29 | €388 |
| Golden Retriever | €28.11 | €337 |
| Dachshund (Standard) | €24.22 | €291 |
| English Cocker Spaniel | €24.82 | €298 |
| Chihuahua | €18.84 | €226 |
| Border Collie | €24.22 | €291 |
| Mixed breed (dog) | €22.42 | €269 |
| Mixed breed (cat) | €12.08 | €145 |
| Maine Coon | €14.07 | €169 |
| British Shorthair | €13.36 | €160 |
| Ragdoll | €12.65 | €152 |
Liability insurance
Dog liability insurance costs about €55 a year in Germany. source
Stiftung Warentest (Sept 2025, 157 tariffs): cheapest good tariffs from 55 EUR/yr for a Labrador, 36 for a Jack Russell; most expensive up to 156. Mandatory for every dog in Berlin, Bremen (since 10 July 2025), Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia.
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Germany → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.