Compare Pet Insurance in Germany for Expats and Travellers

Feather is one of the few pet insurance providers in Germany designed for ex-pats. They offer their products to pet owners around the world, all in English, which has made them particularly popular for non-German speakers.

They offer health, surgery and liability insurance for cats and dogs with competitive cover, especially for owners who travel or move away from Germany and want to keep their insurance. We found their prices to be slightly higher than average and their policies slightly limiting with an €800 a year limit for non-surgical vet treatment and medication on the health plan, new policies only for pets aged 8 weeks to under 6 years, and no liability cover for 'dangerous' breeds.

Overall, Feather is a still a great pet insurance option, especially for ex-pats who want a modern, digital option where everything is easy to understand and best of all, all in English.

Getsafe is a fully digital insurer that has built a strong reputation in Germany for making insurance simple and accessible, especially for expats. Their pet health insurance covers dogs and cats across three plan levels, and their dog liability insurance is one of the few in Germany that accepts all breeds, including those classified as dangerous under German law.

Everything is managed through their app, from signing up to submitting claims. English support is available throughout. Premiums for dogs can be on the higher side compared to some competitors, but the coverage is broad and the flexibility to choose your deductible and plan level makes it easier to find something that fits your budget.

Lassie started in Sweden and has since expanded to Germany and France. In Germany they offer dog and cat insurance across Mini, Midi and Maxi plan levels, as well as dog liability insurance. Their app rewards preventive behaviour with premium discounts, which sets them apart from most competitors.

Lassie is available in English, which makes them an accessible option for expats. Their Mini plan has a low coverage ceiling that can be reached quickly, so we generally recommend looking at the Midi or Maxi plans if you want more meaningful protection. There are no breed restrictions, and coverage can start from 8 weeks of age with no upper age limit on entry.

Hepster is a German digital insurer offering pet health insurance for dogs and cats. Their plans are available in surgical and full coverage tiers, with no waiting period for accidents and worldwide coverage included from day one. Unlimited annual coverage is available on their top tier, and there is no fixed deductible on the full protection plans.

Hepster is less well known internationally than Feather or Getsafe, but they regularly appear near the top of German price comparison tables. Their website and customer service are primarily in German, so they may be less convenient for expats who are not comfortable navigating German-language platforms.

Barmenia Direkt is the direct-to-consumer arm of Barmenia (now BarmeniaGothaer), one of Germany's established insurance groups. Their pet health insurance covers dogs and cats in surgical and full protection tiers, with worldwide cover and a choice of deductible. Premiums are higher than most digital competitors, but the group's long track record in the German market is useful if you care about claims handling and financial stability.

English support is limited, and the process is less digital than Feather or Getsafe. OP plans typically have no annual surgery cap (up to 4x GOT). Full health tariffs can cap non-surgical treatment (for example €800 or €1,200 a year, or unlimited on some options), so check the tariff sheet before you buy. Facts checked on Barmenia pages and AVB on 6 November 2026.

Uelzener's dog health cover costs from €42.79 a month, which is on the expensive side, with annual limits of €3,000, €6,000 or no limit at all. We read these figures on Uelzener's dog health insurance page on 6 November 2026.

What you get for the price is cover that doesn't shrink as your dog gets older. Uelzener has no upper entry age, can cover a dog from its first day, pays up to 100% at any age and doesn't cancel your policy after a claim. The general waiting period is 30 days, or 5 days for accidents, and it's 6 months for neutering. A prevention add-on for things like vaccinations and check-ups costs €19.67 a month extra.

Uelzener has 4.3 stars on Trustpilot from 4,307 reviews, which we checked on 6 November 2026. Uelzener pays for a Trustpilot subscription and most of the recent reviews were invited, but one owner says all her dog's surgery bills were paid quickly and without problems. The site and documents are in German.

AGILA is a German pet insurer that sells dog and cat health cover in four tariffs. Basis pays 80% up to €3,000 a year from €20.18 a month, Komfort pays 90% up to €7,500 from €38.16, and Exklusiv pays 100% with no annual limit from €58.46. With Flex you set the reimbursement between 80% and 100% and pick your own limit. These figures come from AGILA's tariff overview dated June 2026, which we read on 6 November 2026.

The cover itself is strong. AGILA pays up to four times the GOT rate, doesn't exclude any breeds and keeps you covered abroad for up to 12 months. The catch is age. Your pet has to join before its 8th birthday, and from age 5 AGILA pays a maximum of 80% whatever tariff you're on. There's a one-month waiting period for illness, but none for road accidents.

AGILA has 4.1 stars on Trustpilot from 4,423 reviews, which we checked on 6 November 2026. Most reviewers are happy with how claims were handled, while the negative ones are mostly about premium rises and a dispute over cancelling after a pet died. Everything we read on AGILA's site, including the tariff documents, is in German.

Allianz sells dog and cat health cover in Germany in four tariffs. Basis costs from €30.31 a month with a €2,500 annual limit, Smart from €51.00 with €5,000, Komfort from €76.22 with €10,000 and Premium from €119.56 with no annual limit. Treatment without surgery has its own lower limit, from €1,000 on Basis up to €8,000 on Premium. We took these figures from the Allianz pet health insurance page on 6 November 2026.

The big plus is age. Allianz has no maximum entry age, so it's one of the few options if you're insuring an older pet for the first time, and cover is available from 8 weeks for any breed. You can choose no excess, 10% (capped at €500 per invoice) or 20% (capped at €1,000). There's a three-month waiting period for illness, which is long, but accidents are covered straight away and puppies under 6 months don't have to wait. Video vet calls are included around the clock, and bundling with Allianz dog liability cover saves up to 20%.

Allianz has 4.8 stars on Trustpilot from 20,487 reviews, which we checked on 6 November 2026, but that score covers the whole of Allianz Deutschland and not just pet insurance. The site and the policy documents are in German.

HanseMerkur sells dog health insurance in three tariffs. Komfort has a €2,500 annual limit, Premium €5,000 and Premium plus no limit at all. HanseMerkur's own price examples, for a young Jack Russell or Australian Shepherd with a €500 excess, are €28.19, €37.58 and €40.17 a month. You can pick no excess, €250 or €500 a year, but no excess is only possible if your dog joins before age 5. We read all of this on HanseMerkur's dog health insurance page on 6 November 2026.

The cover is broad. HanseMerkur pays up to four times the GOT rate, accepts all breeds and won't cancel your policy because of a claim. Premium covers hip and elbow dysplasia up to €5,000 after a 12-month wait, and Premium plus covers it with no limit after 6 months, while Komfort doesn't cover it. The general waiting period is one month, with none for accidents. Focus Money gave HanseMerkur its fairest pet insurer award, rated very good, in issue 13/2026, for the second year in a row.

Its Trustpilot score is much weaker at 2.3 from 10,245 reviews, which we checked on 6 November 2026. That score covers all of HanseMerkur, including health and travel insurance, but one of the latest reviews is from a dog owner whose pet policy was cancelled after three years. Lifetime cover is only guaranteed from the fourth policy year, so it's worth knowing before you sign. Dogs can join up to age 8, or age 3 for breeds in risk class E, and the site is in German.

DA Direkt sells dog health insurance in three tariffs. Komfort pays 60%, Premium 80% and Premium Plus 100%, and on Komfort and Premium you get 20% more back if you start with a free FirstVet video call and the online vet sends you on to your own vet. DA Direkt's example price is €38.90 a month on Komfort for a two-year-old mixed-breed dog up to 45 cm. We read this on DA Direkt's dog health insurance page on 6 November 2026.

There's no waiting period at all, which is rare, and DA Direkt pays up to four times the GOT rate. The limit is low in the first year, at €500, €1,000 or €1,500 depending on the tariff, and unlimited from the second year. Developmental disorders are capped at €2,500 per condition. DFSI rated the tariffs "BESTE" for the magazine €uro. We couldn't find a maximum entry age on that page.

DA Direkt has 3.8 stars on Trustpilot from 10,129 reviews, which we checked on 6 November 2026. That score is for the whole company and many of the recent reviews are about car insurance and long phone queues. The site is in German.