May 21, 2024

Small print and cost traps

Is it worth purchasing health insurance for dogs and cats?Veterinarian explains

Today, May 3, 2024 | 11:22

For many people, pets are part of the family. If your beloved animal becomes ill or has an accident, pet health insurance provides financial protection. But is it really worth buying such insurance? Veterinarian Lorenz Schmidt answers your questions.

What are the advantages and disadvantages of pet medical insurance?

As with most insurance contracts, the decision between benefits and costs must be made on a case-by-case basis.


  • This reduces the financial risk for owners if their pet becomes ill or has an accident.
  • Costs for ordinary households are more calculable.
  • Deciding on possible treatments and life-saving measures for your own pet is not directly dependent on cost.


  • Older animals are often not accepted.
  • Some dog breeds may not be accepted by insurance companies.
  • Some health insurance companies are quick to cancel when the cost becomes too high.
  • Critical services are not provided by various providers. For example, preventive dentistry, dental surgery, and hospitalization. You need to read the small print carefully.

Is pet health insurance needed for all pets or only for certain species?

These days, it’s a good idea to get health insurance for your dog or cat if you choose the right conditions. The standard of veterinary medical care is currently very high and the intensive care that pet owners expect today is expensive.

What factors affect the cost of pet health insurance?

The cost of animal health insurance is determined by the scope of services covered. Other factors include admission criteria and whether it is tightly or liberally regulated. What rates on the price list apply? What are the termination conditions? How old is my animal and what is its breed?


What services are usually included in pet health insurance?

The services included in pet health insurance vary widely depending on individual needs. For example, there are comparison portals like EisbaumTable that compare insurance companies. In all cases, you should carefully check the details and seek advice from a trusted veterinarian if necessary.

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