Getsafe is a Berlin-based digital insurer with one of the widest ranges of pet health insurance plans in Germany. They offer three tariffs for dogs and cats, from surgery-only cover to fully unlimited health protection, all managed through their app. Dogs can be insured up to 8 years of age at entry, and reimbursements are based on up to 4x the GOT rate. With over 9,900 Trustpilot reviews at 4.7/5, Getsafe is one of the most reviewed and highly rated digital insurers in Germany.
Getsafe covers dogs and cats across three health plan levels and offers dog liability insurance with coverage up to €50 million. One of their standout features is that they insure all dog breeds, including those listed as dangerous under German federal and state law, which most insurers will not touch. The app is polished and makes it easy to manage your policy, submit claims, and get support in English. Premiums for dogs are on the higher end compared to some alternatives, and they rise noticeably from age four. But if you want broad coverage, full English support, and the flexibility to insure any breed, Getsafe is hard to beat in Germany.
Pros
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Insures all dog breeds including those classified as dangerous
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Up to €50 million dog liability coverage on the Premium plan
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Three health plan levels including unlimited annual coverage
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English-language support and app
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Entry age up to 8 years, then covered for life
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SOS Dog Assistance add-on available
Cons
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Dog health premiums can be expensive, especially on higher plans
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Premiums increase significantly from age 4 (up to 33% for dogs)
Getsafe: One of Germany's Most Trusted Digital Insurers
Getsafe has built a reputation as one of the go-to digital insurers for younger, tech-comfortable pet owners in Germany. Their app-first approach, three-tier plan structure, and unusually high Trustpilot score (4.7/5 from nearly 10,000 reviews) put them in strong company in a competitive market.
What works well here is the range. OP-Schutz is a lean, surgery-only tariff for owners who want protection against the big unexpected bills without paying for routine care. Vollschutz Komfort steps up to full health cover with annual ceilings (5,000 euros for dogs, 3,000 euros for cats). And Vollschutz Premium removes those ceilings entirely, giving unlimited coverage for dogs and cats alike.
Getsafe reimburses at up to 4x the GOT rate, which handles the vast majority of vets across Germany. The maximum entry age of 8 years is more generous than some competitors, which is useful if you are insuring an older pet.
One thing to be aware of: Getsafe applies a 3-month waiting period for illness (2 weeks for accidents). If your pet develops a condition shortly after signing up, it will not be covered until that period has passed. This is standard practice in German pet insurance, but worth knowing before you commit.
On Trustpilot, Getsafe holds a 4.7/5 score from nearly 10,000 reviews, which is one of the largest verified review pools of any German pet insurer. Customers highlight reliable claim processing, good app experience, and helpful support.
Getsafe Plans in Germany
Getsafe offers three pet insurance tariffs for dogs and cats.
Tariff
What's Covered
Dog Annual Limit
Cat Annual Limit
OP-Schutz
Medically necessary surgery only
Unlimited
Unlimited
Vollschutz Komfort
Surgery + full medical treatments
5,000 euros
3,000 euros
Vollschutz Premium
Surgery + full medical treatments, no cap
Unlimited
Unlimited
All tariffs reimburse at up to 4x the GOT rate. Maximum entry age is 8 years. Waiting period: 3 months for illness, 2 weeks for accidents.
Vollschutz Premium is the standout for owners who want complete peace of mind. There is no annual ceiling to worry about, which matters if your pet has a chronic condition or needs multiple treatments in the same year.
Cost of Getsafe Pet Insurance in Germany
Premiums depend on your pet's species, age, breed, and chosen tariff. Get a personalised quote through the Getsafe app in a few minutes. As a general guide:
OP-Schutz: the most affordable option, good for owners wanting surgical protection without routine cover
Vollschutz Komfort: mid-range price point, balances coverage and cost well for most dogs and cats
Vollschutz Premium: highest monthly premium, justified by the removal of all annual limits
3 Things We Also Liked
1. Generous Entry Age of 8 Years
Getsafe accepts pets up to 8 years old at sign-up. That puts them among the more inclusive German pet insurers for older animals, and means you have more time before your pet ages out of eligibility.
2. Truly Unlimited Premium Tier
Vollschutz Premium has no annual ceiling. For breeds prone to expensive chronic or hereditary conditions, this removes the risk of hitting a cap mid-year and having to cover the rest yourself.
3. Verified Scale on Trustpilot
Nearly 10,000 reviews at 4.7/5 is not a small sample. It tells you Getsafe handles claims at real volume and still keeps the majority of customers happy, which is the most honest test of any insurer.
