Stiftung Warentest Testwinner: Cat Insurance 2026
When it comes to the health of our beloved furry friends, we leave nothing to chance. However, the reality at the vet has changed: Since the adjustment of the German "Gebührenordnung for Veterinarians" (GOT), even routine surgeries such as bladder stones can start at 1,500 euros, and bone fractures can quickly cost 3,000 euros. In the major comparison by Stiftung Warentest (02/2026), 173 tariff variants were put under the microscope – and one provider convinced the experts: Lassie.
Lassie: The only provider with the top rating “Very Good”
The test shows that over half of the tariffs fail due to inadequate coverage conditions. Lassie, on the other hand, stands out as the lone leader. The “OP-Schutz” (Surgical Cover) tariff is the only offer in the entire test field to receive the grade “Very Good (1.5)”.
The highlights of the test winner at a glance:
Top marks for conditions: With a rating of 1.4 for its insurance conditions, Lassie offers the most stable protection.
Full cost coverage: While other providers cap their coverage at 1,000 or 2,000 euros, Lassie scores with unlimited reimbursement of surgical costs and coverage of up to 4 times the GOT rate.
Dental treatments included: Acute pain-relieving measures including extractions are also covered – a point that is crucial for many cats in old age.
Diagnostics & Aftercare: Expensive preliminary examinations (such as CT or MRI) as well as inpatient accommodation after surgery are included in the protection.
Maximum security at an unbeatable price
The amazing thing about the test victory: Quality does not have to be expensive. Lassie proves that the best protection in the test can simultaneously be one of the most affordable. All variants of Lassie's “OP-Schutz” tariff received the grade “Very Good” (1.5).
Here are specific tariff examples for Lassie’s test-winning protection, categorized by age, lifestyle, and the chosen deductible:
Tariff variant: OP-Schutz with 40% deductible
Young indoor cat (6 months): from €51 per year
Young outdoor cat (6 months): from €61 per year
Older indoor cat (7 years): from €72 per year
Older outdoor cat (7 years): from €86 per year
Tariff variant: OP-Schutz with 20% deductible
Young indoor cat (6 months): from €69 per year
Young outdoor cat (6 months): from €83 per year
Older indoor cat (7 years): from €99 per year
Older outdoor cat (7 years): from €118 per year
Tariff variant: OP-Schutz without deductible
Young indoor cat (6 months): from €105 per year
Young outdoor cat (6 months): from €126 per year
Older indoor cat (7 years): from €149 per year
Older outdoor cat (7 years): from €178 per year
Switching to the test winner: Why Lassie is revolutionizing the market
Many existing contracts do not cover enough in an emergency or are simply overpriced. The current analysis clearly shows: Over half of the tariffs available on the market are not recommended due to inadequate conditions. Lassie consciously swims against the tide and proves that first-class protection does not have to be complicated or expensive.
The fact that over 200,000 dogs and cats in Europe are already insured with Lassie proves the provider's success. Customers particularly value the simple digital experience via the app as well as the modern preventative approach, which helps owners actively prevent illnesses.
Excellent chances even for cats with a medical history
One point that particularly highlights Lassie in the test is the outstanding acceptance requirements. With a top grade of 0.8 (++), Lassie sets the best value in the entire comparison. This is a decisive signal for pet owners: At Lassie, even cats with pre-existing conditions have a real chance of being accepted into the insurance.
Security that stays: No loss of cover after a claim
A common problem in the industry is termination by the insurer as soon as an expensive claim occurs. Lassie has reacted here and optimized its conditions in the interest of consumers: Owners do not have to worry about losing their insurance cover just because the cat had to undergo surgery once.
This fair and transparent treatment of the insured makes Lassie the strongest current recommendation for all those who do not want to make compromises for their cat.
