Find The Best Pet Insurance 2026: Why Lassie Leads the Pack in Comparison
If you’re trying to find the right pet insurance for your dog or cat, it’s easy to feel lost in a sea of offers. Most pet parents keep coming back to the same questions: “Which pet insurance is actually the best?”, “Will the insurer really pay when it gets expensive?” and “How happy are other customers?”
Time to move past empty marketing promises. Independent tests and top rankings from Sweden show that Lassie is a leader in quality and customer satisfaction. Here are the facts for 2026.
The Experts’ Verdict: TÜV Rating “Very Good”
When people search for the best pet insurance, they want cover that keeps its promises. TÜV Saarland helps provide clarity: they audited Lassie’s price–performance ratio and customer satisfaction and rated both “Very Good” (2024–2026).
There’s also confirmation from international comparisons. Konsumenternas Försäkringsbyrå, Sweden’s leading independent consumer portal for insurance (similar to Which? or Stiftung Warentest), supports users with annual reports when choosing cover.
Once again, Lassie’s “Gold” plan received the highest rating for 2025. With a score of 4.5 out of 5 points, Lassie has secured the top spot in the ranking for the fourth year in a row (2022–2025).
What exactly do the experts look at?
The auditors assess insurance products using several clear criteria. One key question sits at the centre: how well does the insurance protect owners from financial stress when their pet becomes ill? The most important criteria are:
Veterinary cover: the most important category – are high vet bills really covered?
Terms and conditions: how fair and transparent is the small print?
Comprehensive care: are medication, rehab and diagnostics (such as MRI) also paid for?
Very High Customer Satisfaction in 2026
A strong product on paper doesn’t help much if the service disappoints. But how do you measure real satisfaction?
In Sweden, Svenskt Kvalitetsindex (SKI) provides the answer. It’s an independent, scientific institute that measures customer satisfaction every year. For the second year in a row (2024 and 2025), Lassie achieved the highest score of all pet insurers. While overall market satisfaction fell in 2025, Lassie went against the trend and secured 1st place with 78 out of 100 points (market average: 64.2). A score above 75 in this index shows very strong customer loyalty.
And it’s not just a “Swedish phenomenon”. TÜV Saarland confirms the same picture for Germany. For the “Price/Performance Very Good” and “Customer Satisfaction Very Good” seals, Lassie customers in Germany were surveyed directly. Their verdict matches the international results: policyholders praise not only the price, but above all the cover they get in return.
What exactly do customers praise?
In September 2025 we ran an online survey in Germany and asked 3,031 Lassie customers what they think about us. Some of the things they like most about Lassie are:
Simplicity: customers love the fully digital experience. Everything runs intuitively via the app – no paperwork, no hassle.
Proactive partnership: Lassie doesn’t just pay claims; we help prevent illnesses in the first place with a clear focus on prevention.
Speed: in a market that’s often slow and bureaucratic, customers value the human support and fast claims handling – often even with direct settlement at the vet.
The Plans: Protection for Every Need
Lassie offers clear, transparent plans that fit your life with your pet. All plans include unlimited surgery (OP) costs and cover up to 4 times the GOT rate (German Veterinary Fee Schedule).
Mini: Basic protection
Unlimited surgery (OP) costs and up to €1,000 per year for other medical treatments.
Reimbursement: up to 100%.
GOT rate: up to 4×.
Prevention budget: €35 per year.
Includes: free online vet calls, clinic stay (30 days after surgery) and acute dental care.
Midi: The price–performance winner (“Most popular”)
Unlimited surgery (OP) costs.
Annually increasing cover for treatment costs:
Year 1: €1,000, Year 2: €2,000, from Year 3: unlimited.
Reimbursement: up to 100%.
GOT rate: up to 4×.
Prevention budget: €100 per year.
Includes: free online vet calls, clinic stay and acute dental care.
Maxi: The all-round carefree package
Unlimited cover for surgeries and treatments from day one.
Reimbursement: up to 100%.
GOT rate: up to 4×.
Prevention budget: €140 per year.
Includes: free online vet calls, clinic stay and acute dental care.
Selectable excess for all plans: 0%, 20% or 40%.
Calculate your price for a top-rated plan now.Open to All: No Barriers for Breed or Age
Many owners worry: “Is my pet too old?” or “Will my breed be rejected?”. Lassie focuses on inclusion. There are no breed restrictions and no upper age limit. Every dog and every cat is welcome. The exact price depends on breed and age.
More Than Just Insurance: The Prevention Programme
What makes Lassie different is the idea of avoiding vet visits where possible. Depending on the plan, you get a prevention budget of up to €140 per year for services such as vaccinations or dental cleaning. On top of that, you receive tailored health tips for your pet in the Lassie app. This pays off twice: you prevent illnesses – and you collect points that you can turn into a discount of up to €50 per year on your insurance premium.
If prevention were a snack, your pet would choose it first. We simply make it easier to do the right thing – for you, your pet and your wallet.
