Pets are more than just animals – they’re family. Whether it’s a playful dog, a cuddly cat, or a tiny rabbit, their health matters just like ours. But what if your furry friend already has a health issue? Finding affordable pet insurance in Germany that covers pre-existing conditions can feel like a challenge.
Good news: It’s not impossible. Let’s walk you through the cheapest options and everything you need to know — with love, care, and practical advice.
What Are Pre-Existing Conditions in Pets?
Pre-existing conditions are health problems your pet had before getting insured, like:
- Allergies
- Arthritis
- Diabetes
- Skin problems
- Hip dysplasia
- Old injuries or surgeries
Many insurance companies exclude these from coverage — but some are becoming more flexible. And that’s a big relief for pet parents.
🇩🇪 Is Pet Insurance Common in Germany?
Yes! Pet insurance is becoming very popular in Germany, especially in cities like Berlin, Munich, Hamburg, and Frankfurt. As vet costs rise, many families are choosing to protect their pets with insurance.
What to Look for in Pet Insurance (Especially for Pre-Existing Conditions)
When searching for affordable insurance that covers past issues, keep these things in mind:
- ✔️ Does it cover chronic illnesses?
- ✔️ Is there a waiting period before coverage starts?
- ✔️ How much does it cost monthly?
- ✔️ What is the maximum coverage amount per year?
- ✔️ Can you go to any vet in Germany?
💸 Cheapest Pet Insurance in Germany That May Cover Pre-Existing Conditions
Here are a few insurance providers in Germany that offer affordable plans and may cover certain pre-existing conditions – with limitations.
1. Getsafe Pet Insurance (Haustierversicherung)
- Starting Price: €5/month (for cats), €9/month (for dogs)
- Good For: Basic coverage + flexibility
- Covers Pre-Existing?: Some chronic conditions if stable for 12 months
- Why We Like It: Digital-first, easy to manage via app, English support
💡 Getsafe is ideal if your pet had a past issue but hasn’t shown symptoms recently.
2. AGILA Pet Insurance
- Starting Price: Around €15/month for basic plans
- Good For: Long-term pet care
- Covers Pre-Existing?: Case-by-case basis (need vet approval)
- Why We Like It: Known brand in Germany, offers dental and surgery cover
💡 AGILA may approve conditions like healed bone fractures or allergies if they’re not recurring.
3. Uelzener Tierversicherung
- Starting Price: €12–20/month
- Good For: Older pets, long-term illnesses
- Covers Pre-Existing?: Yes, in limited cases with higher premium
- Why We Like It: Transparent plans, one of the oldest pet insurers in Germany
💡 If your pet is over 7 years old, Uelzener is more flexible than many others.
4. Petplan Germany (UK brand with German coverage)
- Starting Price: €17/month+
- Good For: High coverage, multi-pet discounts
- Covers Pre-Existing?: Only if the issue has been resolved and symptom-free for 2 years
- Why We Like It: International reputation, strong for expats
💡 Great option if you moved from the UK and want familiar coverage in Germany.
Personal Tip: How I Saved Money and Got Coverage
As a dog parent in Berlin, I chose Getsafe after my Labrador had a mild allergy that kept recurring. I spoke to their support and shared vet records. They didn’t promise full coverage, but after a 12-month symptom-free period, they agreed to include it under a general allergy clause.
👉 So here’s the tip: Keep detailed vet records and ask for a written confirmation before you buy.
Final Words: Don’t Wait for a Health Emergency
Many pet owners wait until something goes wrong. But the smart move is to get insurance early — even if your pet already has a condition. Some companies may cover it in the future if it stays inactive.
So, whether you choose Getsafe, Uelzener, or AGILA, always read the fine print and talk to customer support. Your pet’s health — and your peace of mind — are worth it.
Because They’re Not Just Pets – They’re Family
If you’re looking to give your dog, cat, or rabbit the healthiest and happiest life, choosing the right pet insurance is an emotional but smart decision. And if your little one already has a condition — don’t worry, options do exist, and many pet parents in Germany are in the same boat.
Stay strong, stay informed, and give your fur baby all the love they deserve.