With regard to possible dog insurance, a distinction must be made between liability and health insurance. While dog liability insurance covers property damage and personal injury caused by the dog, dog health insurance covers the treatment costs in the event of illness or injury.
In the following, we will explain what is included in such a dog insurance policy.
Key facts at a glance
- There is both liability and health insurance for dogs.
- What is included in dog health insurance depends on the tariff chosen.
- Surgery insurance covers the cost of medically necessary surgeries.
- A comprehensive health insurance is characterized by a larger scope of services.
- At , dog owners can choose between surgical and animal health insurance, which protect against unexpectedly high veterinary costs.
The insurance tariff determines the scope of benefits
The exact costs you are reimbursed for depend on the insurance plan you have chosen. Basically, a distinction is made in dog health insurance between pure surgical insurance and so-called comprehensive health insurance, which in turn can differ significantly in terms of the scope of services.
Inexpensive protection thanks to dog surgery insurance
Dog surgery insurance is a particularly inexpensive form of health insurance. Such a tariff primarily covers surgical costs for medically necessary interventions.
Since operations on dogs can very quickly result in four-digit veterinary bills, surgical insurance is recommended as minimum protection in any case.
Comprehensive health insurance for dogs
In addition to pure surgical insurance, there are also so-called full health insurances for dogs. Similar to your own health insurance, you pay a certain monthly premium with such a tariff and the insurance company takes over the majority of the treatment costs incurred at the veterinarian in the event of illness.
Full health insurance for dogs is of course more expensive than simple surgery insurance due to the greater scope of services. But at the latest in the case of more serious illnesses, the additional costs pay for themselves very quickly.
What is included in ‘s dog insurance?
There are two comprehensive insurance policies to choose from at : full animal health insurance and surgery insurance. Further details on the exact scope of services can be found in our overview of services.