Hepster is a German digital insurer founded in Rostock, specialising in modular, on-demand insurance products. Their pet health insurance for dogs and cats takes the same flexible approach: you build the level of coverage that fits your pet and budget, rather than choosing from rigid fixed tiers. Reimbursements are based on the GOT rate. Hepster works with established underwriting partners, which means the policies themselves are backed by experienced insurance carriers. Trustpilot rating: 3.4/5 from 1,589 reviews.
Updated June 16, 2026 · 1 min read
Pet Insurance
| Website | www.hepster.com/de-de/kategorie/tierversicherungen |
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Hepster is built around flexibility. Where most German pet insurers ask you to pick a plan tier, Hepster lets you configure your coverage level directly, adjusting what you pay for based on what actually matters to you. That modular approach is the same philosophy they apply across all their insurance lines, from bike insurance to travel cover, and it translates reasonably well to pet health too.
Their policies cover medically necessary treatments and operations for dogs and cats, with reimbursements based on the GOT rate. Hepster works with established underwriting partners rather than carrying all risk themselves, which means the financial backing behind the policy is solid even if the brand itself is relatively young.
The trade-off is transparency on plan specifics. Hepster's website gives you a quote tool rather than a published plan sheet, so the exact deductibles, annual limits, and pricing depend on the configuration you choose. This works well for owners who want to fine-tune, but can feel less clear-cut than the straightforward tier comparisons you get from Lassie or Getsafe.
The Trustpilot score of 3.4/5 from around 1,590 reviews is the lowest of the five insurers we cover in Germany, and it is worth being transparent about that. Reviews point to some inconsistency in claims handling and customer service. Hepster may be a solid product for owners whose claims are straightforward, but the average rating suggests more variance in experience than the 4.7-rated competitors.
Hepster offers modular pet health insurance for dogs and cats. Coverage is customisable through their online quote tool, and plans cover medically necessary treatments and operations. Reimbursements are based on the GOT rate, the official German veterinary fee scale.
Because Hepster's approach is build-your-own rather than fixed tiers, the specific annual limits, deductibles, and premiums vary depending on your selections. Use their website quote tool to see options for your pet's age, breed, and your preferred level of cover.
Premiums are calculated based on your pet's species, breed, age, and the coverage configuration you choose. Hepster's flexible model means there is no single published price table: your quote depends on what you build. This makes comparison harder upfront but gives you more control over your monthly spend.
Hepster is a German company (founded in Rostock) working with German underwriting partners. For owners who prefer a locally rooted insurer over an international brand, that is a meaningful distinction.
Rather than forcing you into a plan that is 80% what you need, Hepster lets you adjust coverage parameters to match your actual situation. If you only want surgical cover with a high deductible, you can configure exactly that.
Like the other digital players in this list, Hepster handles onboarding and quotes entirely online, without phone calls, paper forms, or in-person meetings. Setup takes a few minutes.
Budget-conscious owners wanting flexibility