Pet health insurance for dogs, cats & horses
So medicine decides in an emergency –not your bank balance.
Choose your animal and the cover you are looking for. We review surgery-only and full cover based on age, breed or use – personally, clearly and subject to the plan.
Non-binding · personal response · no automatic promise of acceptance
One-minute cover check
Choose the animal. Choose the cover. Commission Healio.
First set the direction. Then add the animal details and expressly commission Healio to carry out the plan review and provide advice.
Which animal needs cover?
What would you like to cover?
Still needed
Choose animal and cover
You will then proceed directly to the review and advice commission.
This selection is not an application. Acceptance, price and benefits depend on the insurer, animal data and medical assessment.
Why it pays to look now
One major treatment can quickly cost thousands.
You do not have to insure every vet bill. What matters is choosing a plan that carries the risks that would genuinely strain your budget.
Illustrative dog example
How cruciate ligament surgery costs can add up
Simplified example, not a price promise. The actual invoice depends on treatment, region and the GOT rate charged, among other factors.
View the German veterinary fee schedule (GOT)What matters
We look beyond the monthly premium.
- 01Reimbursement rate and covered treatments
- 02Annual limits and benefit schedules
- 03Deductible and out-of-pocket share
- 04Waiting periods and exclusions
- 05Age, breed and medical information
- 06For horses: keeping and use as well
03 · Commission Healio
Now commission us to review suitable plans.
You authorise Healio to review your information and personally advise you on suitable pet health or surgery-only cover. An insurance application is only made after a separate decision by you.
What happens next
No guesswork. A clear response.
We personally review your information and explain which plan features matter for your animal.
- 01We add age, breed and, for horses, keeping and use.
- 02We review suitable surgery-only or full-cover routes and their conditions.
- 03You receive a personal response before deciding on an application.
The commission on this page allows Healio to carry out the personal plan review and provide advice. It is not a power of attorney towards an insurer and not an insurance application.
Your selection
Choose an animal · Choose cover
Quick answers
The key questions before your plan review
01What is the difference between surgery-only and full cover?
Surgery cover focuses on insured operations and, depending on the plan, diagnostics and aftercare. Full cover may also include outpatient treatment, medication and preventive care. The exact scope is always set by the policy terms.
02What happens with pre-existing conditions?
Medical information may lead to exclusions, additional premiums or rejection. The insurer decides whether and on what terms an animal can be accepted after its medical assessment.
03Does my animal's age matter?
Yes. Entry age, premium and available plans may depend on age. We therefore ask for it before making a recommendation and do not promise blanket acceptance.
04Why do horses have a separate path?
For horses, keeping and use matter alongside age and health. We therefore do not treat horse cover as a copied dog plan, but assess the need separately.
05What happens after my inquiry?
Healio reviews your information and responds personally with an assessment. Only then do you decide whether to submit a specific application. The inquiry itself is not a promise of cover.
Your animal. Your needs. Check them properly.
Choose animal and cover – we will assess the rest together.