What is the best pet insurance in Germany in 2025?
Anyone looking for the right protection for their dog or cat today often feels overwhelmed by the flood of offers. The questions that pet owners ask most frequently are clear: "Which pet insurance is the best?", "Does the insurance actually pay when things get expensive?" and "How satisfied are other customers?".
For the year 2025, there is an answer that is not based on empty marketing, but on hard facts. Lassie has proven itself as a leader in quality and satisfaction – confirmed by TÜV Saarland and top rankings in Sweden.
The Experts' Verdict: TÜV Rating "Very Good"
When users search for the best pet insurance, they want insurance that keeps its promises. TÜV Saarland provides guidance here: they audited Lassie's price-performance ratio and customer satisfaction and rated both with the grade "Very Good."
In addition, there is confirmation from international comparisons. Konsumenternas Försäkringsbyrå, Sweden's leading independent consumer portal for insurance (comparable to organizations like Which? or Stiftung Warentest), helps users make their decision through annual reports.
Once again, Lassie's "Maxi" plan received the highest rating for 2025. With a score of 4.5 out of 5 possible points, Lassie has secured the top spot in the ranking for the fourth consecutive year (2022–2025).
What exactly do the experts evaluate?
The auditors evaluate insurance products based on various criteria. One central question stands at the heart of it: How well does the insurance protect the owner from the financial burden if the pet falls ill? The most important criteria are:
Veterinary Coverage: The most critical category – are high costs covered?
Terms and Conditions: How fair and transparent is the fine print?
Comprehensive Care: Are medication, rehabilitation, and diagnostics (such as MRI) also paid for?
Highest Customer Satisfaction in 2025
A strong product on paper is of little use if the service is inadequate. But how do you measure genuine satisfaction?
In Sweden, the Svenskt Kvalitetsindex (SKI) provides the answer. This is not a simple online survey, but an independent, scientific institution that measures customer satisfaction annually. For the second year in a row (2024 and 2025), Lassie has received the highest score among all pet insurers. While overall market satisfaction dropped in 2025, Lassie swam against the tide and secured 1st place with 78 out of 100 points (market average: 64.2). A value above 75 in this index is considered "excellent" and testifies to extremely strong customer loyalty.
The fact that this is not just a "Swedish phenomenon" but is also reflected in Germany is confirmed by TÜV Saarland. For the "Price/Performance Very Good" and "Customer Satisfaction Very Good" seals, German Lassie customers were explicitly surveyed. The verdict matches the international results: policyholders praise not only the price but, above all, the performance they receive in return.
What exactly do customers praise?
Simplicity: Customers love the digital experience. Everything runs intuitively via the app, without the paperwork.
Proactive Partnership: Lassie doesn't just pay; it helps prevent illnesses through a preventive approach.
Speed: In a market that is often bureaucratic, customers praise the human service and fast claims processing, often even with direct settlement at the vet.
The Plans: Protection for Every Need
Lassie offers transparent solutions that fit the pet owner's life. All plans include unlimited surgery costs and cover up to 4 times the GOT rate (German Veterinary Fee Schedule).
Mini: Basic Protection
Unlimited surgery (OP) costs and up to €3,000 annually for other medical treatments.
Reimbursement: Up to 100%
GOT Rate: Up to 4-fold
Prevention Budget: €35 annually
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 coverage for treatment costs:
Year 1: €1,000, Year 2: €2,000, from Year 3: Unlimited.
Reimbursement: Up to 100%
GOT Rate: Up to 4-fold
Prevention Budget: €100 annually
Includes: Free online vet calls, clinic stay, and acute dental care.
Maxi: The All-Round Carefree Package
Unlimited cost coverage for surgeries and treatments from day one.
Reimbursement: Up to 100%
GOT Rate: Up to 4-fold
Prevention Budget: €140 annually
Includes: Free online vet calls, clinic stay, and acute dental care.
Selectable deductible for all plans: 0%, 20%, or 40%.
Calculate your price for the 2025 test winner now.Open to All: No Barriers Regarding Breed & Age
A major worry for many owners is: "Is my pet too old?" or "Will my breed be rejected?". Lassie focuses on inclusion. We have no breed restrictions and no age limits. Every dog and every cat is welcome. The specific costs depend on breed and age.
More Than Just Protection: The Prevention Program
What makes Lassie unique is the approach of preventing vet visits from happening in the first place. Depending on the plan, the pet owner has a prevention budget of up to €140 per year available for services such as vaccinations and dental cleaning. Additionally, owners receive health knowledge for their pet via the Lassie app. This pays off twice: illnesses are prevented, and points can be collected, which can then be converted directly into a discount of up to €50 per year on the insurance premium.
