What does a dog insurance cost in Germany in 2026?

We know what dog parents really need, and with us, you always know exactly what you get. That’s why we are being completely open and showing you what our customers are currently paying for their dog insurance – based on real data from all dogs we insured in Germany in 2026.

On average, the premium for a Lassie dog health insurance policy is approx. €32 per month. But the average isn’t everything. The exact price depends on your dog, your location, and the chosen level of protection. Here, we break down how the costs are calculated for you.

Your Protection, Your Choice: Our Plans in Comparison

You decide how comprehensive you want your coverage to be. Depending on the scope of services (Mini, Midi, or Maxi), the monthly premium will naturally vary.

Most of our customers choose the Midi plan, which offers a balanced ratio of price and performance.

• Mini: From €13.05 / month

• Midi: From €16.90 / month

• Maxi: From €22.50 / month

These Factors Influence Your Premium

No dog is like another – and that also applies to the insurance premium. We calculate your individual offer based on statistical risks. These are the most important factors that determine your price:

• Dog Breed: Some breeds are more prone to certain diseases than others.

• Age: Puppies and young dogs are cheaper to insure than seniors.

• Location: Veterinary costs can vary by region, which affects the premium.

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

• Your Chosen Protection: The amount of the deductible and the annual limit (e.g., unlimited in the Maxi plan) directly influence your monthly costs.

Price Examples by Dog Breed

What does it cost to insure your favorite? In this list, you can see the prices for some of the most popular dog breeds.

• Mixed Breed: From €15.08 / month (From €181 / year)

• Goldendoodle: From €15.08 / month (From €181 / year)

• Border Collie: From €15.67 / month (From €188 / year)

• Australian Shepherd: From €16.08 / month (From €193 / year)

• Havanese: From €16.08 / month (From €193 / year)

• Maltese: From €17.83 / month (From €214 / year)

• Jack Russell Terrier: From €17.83 / month (From €214 / year)

• Bolonka Zwetna: From €17.83 / month (From €214 / year)

• Labrador: From €19.58 / month (From €235 / year)

• Golden Retriever: From €19.58 / month (From €235 / year)

• Chihuahua: From €20.58 / month (From €247 / year)

• Yorkshire Terrier: From €23.50 / month (From €282 / year)

Concrete Price Examples: How Different It Can Be

To give you a better feel for the price range, we have calculated three typical scenarios for you – from an affordable entry-level to premium protection.

The Budget-Saver

• Breed: European Sled Dog

• Age: 0 years

• Gender: Male, neutered

• Plan: Mini

• Deductible: 40%

• Location: Burgenlandkreis (Rural area)

• Price: €13.08 / month (€157 / year)

The Average User

• Breed: Labrador

• Age: 3 years

• Gender: Male, neutered

• Plan: Midi

• Deductible: 20%

• Location: Kiel (Medium-sized city)

• Price: €43.17 / month (€518 / year)

The All-Round Carefree Protection

• Breed: Cockapoo

• Age: 3 years

• Gender: Female, neutered

• Plan: Maxi

• Deductible: 0%

• Location: Augsburg (Large city)

• Price: €80.58 / month (€967 / year)

(Note: These are example calculations. We will calculate your exact premium in just a few clicks.)

Ready for Your Individual Price?

Find out now what the best protection for your four-legged friend costs. It only takes a minute.