What does a cat insurance cost in Germany in 2025?

Cats have their own minds – and their own needs. As cat parents, you naturally want only the best care for your furry friend without being left in the dark. We’re putting our cards on the table: here you can find out transparently what premiums our customers are currently paying – based on real data from all cats we insured in Germany in 2025.

Currently, the average monthly premium at Lassie for a cat is approximately 25,25 €.

However, just like our little tigers, every plan is individual. Your final price depends on your cat's characteristics, your location, and the chosen scope of coverage. Let’s look at the details.

The Right Protection for Every Budget: Our Plans in Comparison

From solid basic protection to premium coverage: you decide how soft your financial cushion should be. Monthly costs vary depending on the service level (Mini, Midi, or Maxi).

A look at our data shows: the majority of our customers choose the "golden middle," our Midi plan, which focuses on a good balance of price and performance.

• Mini: From €10.10 / month

• Midi: From €16.45 / month

• Maxi: From €20.20 / month

What Does Your Individual Premium Depend On?

We don't roll dice for our prices; we calculate them based on fair risk factors. Every cat brings different requirements that influence the premium. These are the most important criteria:

• Breed: Certain pedigree cats are more prone to diseases than others.

• Age: Insuring a young kitten is usually cheaper than starting with an older senior cat.

• Lifestyle (Indoor vs. Outdoor): An outdoor cat roaming outside lives more dangerously than an indoor cat.

• Your Location: Since vets can use different regional fee schedules, your zip code also plays a role.

• Gender & Neutering: Cats that have been sterilized or castrated have a lower risk of certain diseases.

• Plan Choice: Your deductible (0%, 20%, or 40%) and your annual budget directly control your monthly premium.

Price Check for Popular Cat Breeds

Wondering where your breed stands in terms of price? In this overview, you will find the specific prices for the most popular cat breeds.

• House Cat: From €10.58 / month (From €127 / year)

• Ragdoll: From €10.92 / month (From €131 / year)

• European Shorthair: From €11.33 / month (From €136 / year)

• Bengal: From €11.33 / month (From €136 / year)

• Russian Blue: From €11.33 / month (From €136 / year)

• Siberian Cat: From €11.33 / month (From €136 / year)

• British Shorthair: From €11.67 / month (From €140 / year)

• British Longhair (Highlander): From €11.67 / month (From €140 / year)

• Sphynx: From €11.67 / month (From €140 / year)

• Maine Coon: From €17.17 / month (From €206 / year)

• Siamese: From €17.17 / month (From €206 / year)

• Persian (Colourpoint/Himalayan): From €17.17 / month (From €206 / year)

• Birman: From €17.17 / month (From €206 / year)

• Norwegian Forest Cat: From €17.17 / month (From €206 / year)

Three Real-Life Examples

Theory is good, practice is better. To give you a feel for the price range, we have calculated three realistic scenarios – from the cozy "budget-saver" to the premium user.

The Budget-Saver

• Breed: European Shorthair

• Age: 0 years

• Gender: Male, neutered

• Plan: Mini

• Deductible: 40%

• Location: Wittmund (Rural area)

• Lifestyle: Indoor cat

• Price: €11.33 per month (€136 per year)

The Average

• Breed: House Cat

• Age: 4 years

• Gender: Male, unneutered

• Plan: Midi

• Deductible: 20%

• Location: Paderborn (Medium-sized city)

• Lifestyle: Indoor cat

• Price: €30.33 per month (€364 per year)

The All-Round Carefree Protection

• Breed: Bengal

• Age: 4 years

• Gender: Male, unneutered

• Plan: Maxi

• Deductible: 0%

• Location: Remscheid (Expensive city)

• Lifestyle: Outdoor cat

• Price: €76.92 per month (€923 per year)

(Please note: These are example values. We will show you your exact premium without obligation in the calculator.)

What Does Protection for Your Cat Cost?

Find out now. Get your individual offer with just a few clicks – without any paperwork.