The Surgery plan focuses on medically necessary operations, while the Plus plan adds broader health benefits like medical treatments, preventive care, and dental coverage. Both plans share the same waiting periods, worldwide travel coverage for up to 12 months, and age-based premium increases.
What coverage does the Surgery pet insurance plan provide?
The Surgery plan covers the cost of medically necessary operations. These are defined as procedures performed under general anesthesia, sedation, or local anesthesia that involve cutting through the skin or underlying tissue with an incision larger than a puncture.
In addition to the operation itself, the plan also covers related services—such as vet clinic stays, diagnostics, and short-term physiotherapy to support recovery. These are only included when they’re directly connected to the surgery and the procedure actually takes place.
What additional benefits does the Plus pet insurance plan include beyond the Surgery plan?
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 days | 30 days |
Pre-existing conditions, operations and treatments before the end of the waiting period | X | X |
| 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 | During temporary stays abroad, for up to 12 months, based on what’s covered in Germany. | During temporary stays abroad, for up to 12 months, based on what’s covered in Germany. |
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 |
What waiting periods apply to the Surgery and Plus pet insurance plans?
Both plans have a 30-day general waiting period. They also have special waiting periods ranging from 6 to 18 months for specific conditions such as eyelid corrections, hip dysplasia, and medically necessary castration or sterilization. There is no waiting period for accident-related treatments and operations.
Are pre-existing conditions or treatments covered under these pet insurance plans?
No. Pre-existing conditions, operations, and treatments before the end of the waiting period are not covered under either the Surgery or Plus plans.
How does coverage work for temporary stays abroad?
Both the Surgery and Plus plans provide worldwide coverage for up to 12 consecutive months during temporary stays abroad, limited to what would be covered in Germany.
How do premiums change as my pet ages under these plans?
Premiums for both Surgery and Plus plans increase at pet ages 1, 3, 5, 7, and 9 years. After age 9, premiums do not increase further.
What are the cancellation and withdrawal rights for these pet insurance plans?
You can cancel either plan any time after one year of coverage. Both plans also provide a 14-day right of withdrawal after signing the policy.
Where can I find detailed terms and conditions before purchasing a pet insurance plan?
You can view the full terms and conditions at the final step of the sign-up process, just before you complete your purchase. If you have questions or need help understanding anything, our support team is happy to assist.