When your pet already has a health issue, finding a good insurance plan can feel like searching for a needle in a haystack. Most companies say “No” to pre-existing conditions — but what if we told you, some say “Yes”?
Yes, even in Germany.
In this guide, we’ll help you find the best pet insurance that may cover your pet’s pre-existing condition with honesty, empathy, and love — because your fur baby deserves nothing less.
The Hard Truth: Why Most Insurances Say “No”
Most German pet insurances avoid covering pre-existing issues for a simple reason — risk.
Health problems like diabetes, epilepsy, allergies, arthritis, or past surgeries often come back. And insurance companies want to avoid paying high vet bills for something that already existed.
But here’s the light at the end of the tunnel: a few selected insurers in Germany are now offering hope and help to pet parents like you.
The Best Pet Insurance in Germany That Covers Pre-Existing Conditions
After reviewing dozens of plans, we’ve found one standout provider that truly tries to help pets with previous health problems:
Uelzener Tierversicherung – Best for Pre-Existing Condition Coverage
🇩🇪 Based in: Germany (Trusted since 1873)
Monthly Price: Starts at €12–25 (varies by breed, age, and coverage)
Coverage Highlights:
- Covers some pre-existing conditions after medical review
- Offers full treatment coverage, including surgeries and chronic illnesses
- Excellent for older pets
- Choose your own vet
- Covers dental, medicines, and even rehabilitation
Good for:
- Dogs, cats, horses
- Senior pets or pets with history of illness
- Owners who want honest, flexible help
Why Uelzener Stands Out for Pre-Existing Conditions
Unlike many companies, Uelzener takes time to understand your pet’s story. They ask for medical history and may request a vet report — but they don’t automatically reject you.
Here’s what makes them the best:
- ✅ Case-by-case evaluation – They don’t follow a blanket “no” rule
- ✅ Flexibility – If a condition is under control or treated, they may allow it
- ✅ Transparency – They clearly explain what’s covered and what’s not
- ✅ No age limit for many policies
They look at your pet as an individual, not just a number. That’s rare.
📋 Example: Real Story of a Pet Parent in Germany
“My beagle Max had skin allergies for years. I was turned down by two insurances. Then I found Uelzener. After submitting his vet reports and explaining he hadn’t had a flare-up in 18 months, they accepted him with a small extra fee. I now sleep better knowing he’s protected.”
— Lena, Munich
This is not just insurance. It’s peace of mind.
How to Apply with Uelzener (Step-by-Step)
- Visit their website:
- Choose the pet type (dog, cat, horse)
- Fill in your pet’s age, breed, and past medical info
- Submit vet reports (if pre-existing condition exists)
- Get a personalized offer – they’ll tell you what’s included or excluded
- Start coverage and relax 💕
Bonus: Other Pet Insurers That Might Cover Pre-Existing Issues
| Insurance Name | Covers Pre-Existing? | Notes |
|---|---|---|
| Getsafe | Sometimes, if condition is stable for 12 months | App-based, fast claims |
| AGILA | Case-by-case approval | Offers dental and surgery |
| Petplan Germany | After 2 years symptom-free | Best for expats |
| Uelzener | ✔️ Yes (best flexibility) | ⭐ Top choice in Germany |
Final Words: Your Pet Deserves a Second Chance
Pre-existing conditions shouldn’t be a reason to say no to care. Your dog, your cat — they’ve been through enough. They need love, support, and the safety net of a caring insurance provider.
If you’re searching for the best pet insurance in Germany that doesn’t turn its back on your pet’s history, Uelzener is the answer. It’s not just affordable — it’s humane, flexible, and pet-focused.
Because Every Pet Has a Past – But They Deserve a Future Full of Health
Would you like a detailed comparison chart, infographic, or German-language version of this article for your website or social media? Just let me know — I’d love to help you spread awareness and love for our fur friends.