The Surgery plan covers costs directly related to an operation. An operation is defined as a medically necessary surgical procedure under general or local anesthesia that restores your pet’s health. It also requires an incision larger than a puncture.
The Plus plan includes everything in the Surgery plan, along with medical treatments, preventive treatments, and certain dental procedures.
The table below gives you a clear overview of what’s included in each plan.
Surgery | Plus | |
General waiting period | 30 day | 30 days |
Pre-existing conditions, operations and treatments before the end of the waiting period | X | X |
*In the case of accidents, there is no waiting period for insured events resulting from an accident. | No limit | No limit |
X | €70 annual limit No waiting period
Dental cleanings, vaccinations, deworming therapy, flea and tick repellant | |
Vet visits/medical treatment costs | X
| €800 annual limit
Medical treatment costs (including inpatient) are per billing year. This also includes costs for preventative treatments and certain dental treatments |
Dental | X | €150 annual limit
Persistent milk canini, dental fillings, correction of dental and jaw anomalies, and dentures |
| 6-18 months
E.g. eyelid corrections, hip dysplasia, medically necessary castration/sterilization | 6-18 months
E.g. eyelid corrections, hip dysplasia, medically necessary castration/sterilization |
Worldwide coverage | Up to 12 months according to what would be covered in Germany.
For temporary stays abroad, insurance coverage is available worldwide for up to 12 months. | Up to 12 months according to what would be covered in Germany.
For temporary stays abroad, insurance coverage is available worldwide for up to 12 months. |
The monthly cost increases when the pet turns 1, 3, 5, 7, 9. No increases after that. | The monthly cost increases when the pet turns 1, 3, 5, 7, 9. No increases after that. | |
Vet clinic board & room | Up to 30 days and only if related to a surgery | Up to 30 days |
Medical diagnosis (MRI/X-ray/CT-scans) | If related to surgery | ✔️ |
Physiotherapy | If related to surgery | Up to 10 sessions yearly
|
Funeral allowance | X | X |
Cancellation period | Any time after 1 year of coverage | Any time after 1 year of coverage |
Right of withdrawal | 14 days | 14 days |
When you start your quote, you’ll also be able to review the full Terms and Conditions on the checkout screen. You’ll have access to these details before confirming your payment, so you can review everything carefully before purchasing your policy.