If you’re an expat in Germany and own a dog, getting the right Hundeversicherung (dog insurance) is essential. Germany has strict regulations regarding pet ownership, and having the right insurance can protect you financially from unexpected incidents. This guide covers everything you need to know about dog insurance in Germany, including legal requirements, types of coverage, costs, and how to choose the best plan.
1. Is Dog Insurance Mandatory in Germany?
Yes, in most German states, dog liability insurance (Hundehaftpflichtversicherung) is mandatory for dog owners. Even if it is not legally required in your state, having it is highly recommended as it protects you financially if your dog causes damage to property or injures someone.
States Where Dog Liability Insurance Is Mandatory
The following states require all dog owners to have liability insurance:
• Berlin
• Hamburg
• Lower Saxony (Niedersachsen)
• Saxony-Anhalt
• Thuringia (Thüringen)
Other states may require insurance for certain breeds categorized as dangerous dogs (gefährliche Hunde).
2. Types of Dog Insurance in Germany
a) Dog Liability Insurance (Hundehaftpflichtversicherung) – Mandatory
This insurance covers damages caused by your dog to:
✅ Other people (injuries)
✅ Property (e.g., breaking furniture, damaging cars)
✅ Other animals (e.g., attacking another pet)
✅ Legal costs if someone sues you
💰 Cost: Around €5-€15 per month depending on the provider and coverage amount.
b) Dog Health Insurance (Hundekrankenversicherung) – Optional
This covers veterinary bills, including:
✅ Accidents & injuries
✅ Illnesses & chronic conditions
✅ Surgery
✅ Medications
✅ Vaccinations (some plans)
💰 Cost: Between €20-€70 per month, depending on the dog’s age, breed, and health condition.
c) Dog Surgery Insurance (Hunde-OP-Versicherung) – Optional
A cheaper alternative to full dog health insurance, covering only major surgeries and related costs.
💰 Cost: €10-€30 per month.
3. How to Choose the Best Dog Insurance?
✅ Check if it’s mandatory in your state – If required, liability insurance is a must.
✅ Consider your dog’s breed – Some breeds may need higher coverage.
✅ Look at the coverage limits – A good policy should cover at least €5 million in liability claims.
✅ Compare deductibles (Selbstbeteiligung) – Some plans have a €0 deductible, others require you to pay a portion of costs.
✅ Read the fine print – Some policies exclude certain breeds, pre-existing conditions, or specific treatments.
4. How to Apply for Dog Insurance in Germany?
Applying for Hundeversicherung is simple:
1️⃣ Compare providers on platforms like Check24, Verivox, or directly on insurer websites.
2️⃣ Choose your coverage level (liability only, health, or surgery).
3️⃣ Fill in details about your dog (age, breed, medical history).
4️⃣ Submit an online application and receive your policy immediately.
5️⃣ Receive proof of insurance (Versicherungsnachweis), which is required in some states.
5. FAQs About Dog Insurance in Germany
🔹 What happens if I don’t have dog liability insurance in a mandatory state?
You could face fines of up to €10,000 and be forced to register for insurance immediately.
🔹 Does liability insurance cover damages inside my home?
Usually, no. It covers third-party damages but not your own property.
🔹 Can I switch insurance providers?
Yes, but check for cancellation periods and new waiting times before switching.
🔹 Is dog health insurance worth it?
If you want to avoid high vet bills (which can cost €1,000+ per surgery), then it’s a good idea.
6. Final Thoughts
Dog insurance in Germany is an essential investment for any dog owner, especially expats unfamiliar with local laws. Liability insurance is often mandatory, while health and surgery insurance can save you thousands of euros in vet bills. Take your time to compare policies and choose the best fit for your furry friend!
✅ Key Takeaways:
✔ Dog liability insurance is required in many German states
✔ Health insurance is optional but useful for vet costs
✔ Compare policies on Check24 or Verivox to find the best deal
✔ Always check the coverage limit and fine print before signing up