Lassie, your cat health insurance.

Up to 100% coverage
140 € preventive budget per year
Discounts through permanent bonus program in the app

Health insurance for cats

Lassie is by your side to make sure your cat gets the best possible care - for a lifetime. We offer the right insurance coverage for your needs and budget.

With our free app, we also accompany you in everyday life and answer your questions about the handling and health of your velvet paw. You can also manage your insurance conveniently in the app and, for example, process insurance claims digitally.

All breeds of cats welcome!
No age limit upwards
All in one app

Tariffs in comparison

Lassie offers three cat health insurance packages: Mini, Midi, Maxi, as well as an alternative cat surgery insurance plan.

While the cat health insurance plans cover the cost of both veterinarian-recommended treatments and surgeries, the surgery insurance plan only covers surgery costs.

Here is an overview of all tariffs:

Popular

Midi

Medium comprehensive health insurance

Surgery

Mini

Midi

Maxi

Operations

Unlimited coverage

Here you can see whether and up to what amount costs for surgery are covered. An operation is a surgical intervention, determined as necessary by a vet, on or in the body of the insured animal under anesthesia.

Medical treatment costs

1. Year: 1.000 € 2. Year: 2.000 € 3. Year: Unlimited

Here you can see the benefit limits up to which costs for medical treatment are covered per insurance year. Medical treatment includes veterinary treatment measures necessary due to a health impairment caused by illness or accident.

Pension budget

100 € per year

Here you can see whether and to what extent an annual preventive budget is included in the tariff. The preventive budget can be used for defined preventive measures (e.g. for a health check, vaccinations or deworming) regardless of medical necessity.

Deductible (selectable)

0% or 20%

The deductible indicates the proportion of the costs per invoice that you will bear. You can choose between a 20% or 0% deductible.

Preventive castration/ sterilization

Here you can see whether the costs for a castration/sterilization are covered/subsidized in the selected tariff, regardless of medical necessity.

Benefits with Lassie

100% digital

Digital, simple & fast processes - from signing the contract to claims settlement

100% knowledge

Free access to vet and expert knowledge and the opportunity to get a €50 discount in the app

100% support

Personal customer service from 8 a.m. to 10 p.m. via chat, e-mail or telephone

Veterinary treatments go into the money

With the right precautions and care for a cat, it has been proven that many illnesses and injuries can be avoided. Nevertheless, no one can exclude the emergency, no matter how well we take care of our pets. If your cat is sick or injured, it can become very expensive very quickly.

Protect yourself now against high costs and be sure that with Lassie on your side, your cat will always be taken care of in the best possible way.

Coverage of operation costs

Both Lassie cat surgery insurance and cat health insurance cover costs for surgical procedures in unlimited amounts, without limit.

Reimbursement of treatment costs

The cat health insurances Mini, Midi, Maxi cover in addition to surgery costs also costs for veterinary recommended treatments, as well as the most important preventive services depending on the chosen tariff.

Free vet video consultation hour

There is a current problem and you are worried about the health of your dog? Through our partner Pfotendoctor, you can book free video consultations with a professional veterinarian from the comfort of your own home.

And that around the clock - at night, on weekends or on holidays. Get an immediate assessment. Many problems can be solved without expensive vet visits.

Annual preventive budget

As the first preventive pet insurance plan, Lassie Health Insurance Mini, Midi, Maxi includes an annual budget for preventive services:

Annual health check
Vaccinations
Flea and tick protection
Dental prophylaxis, and much more

Save money with the Lassie App

As a Lassie OP or cat health insurance customer, you have full access to the Lassie app. Developed together with veterinarians and experts, the app offers valuable content about the health and best possible care of your cat.

Take courses in the app, collect points and get up to 25€ discount on your annual insurance premium, every insurance year.

Insurance in 2 minutes

1
Price received
Answer a few questions and receive your individual offer in a few seconds. Free of charge and without obligation.

2
Select Tariff
Compare possible tariffs and choose the protection that fits your needs and budget.

3
Complete protection
Configure your insurance according to your wishes and take out protection for your cat.

Calculate prices and compare rates now - free of charge & without obligation!

With Lassie pet surgery or health insurance, you can enjoy carefree time with your furry friend.

What do our customers think?

Frequently asked questions about cat health insurance

Does my pet need a microchip/registration number?

Yes. For our surgery and health insurances, your pet must be clearly identifiable with a microchip or registration number.

Please note that if your pet is not chipped, we will not be able to process any claims submitted until a chip number is available. Chipping can be covered by the yearly preventive budget available in each of our full health insurance packages (up to €35 in Mini, €100 in Midi, and €140 in Maxi).

Is there a waiting period?

Lassie surgery and health insurance policies have a general waiting period of 30 days and a special waiting period of 18 months for specific diagnoses from the start of the insurance. However, the general waiting period does not apply to necessary treatment in the event of an accident, under the preventive care flat rate, or for telemedicine. If you have chosen tomorrow's date as your start date, your insurance will be active from midnight.

There is no waiting period for dog liability insurance.

Can I get a discount?

Yes! Take classes and answer quizzes on the Lassie app and get a discount on your insurance premium. At Lassie, we want to help you prevent illnesses and injuries to your dog before they happen! That's why you can take preventative classes that teach you how to care for your dog - like what diet is right for a puppy or how to socialize your dog. Follow up with quizzes to test your knowledge. If you answer all the quiz questions in a course correctly, you'll earn points that you can use to get a discount of up to €50 per year on the price of your dog health insurance premium.

We also want every pet owner to benefit from a preventative approach to pet care. That's why we also have the Lassie Hero initiative, where you can invite others to join Lassie and receive additional discounts for yourself and others!

What does the cat health insurance cover?

Operation cost protection

The insurance reimburses costs for:

Medically necessary operations (also under partial anesthesia) up to 4 times the rate of the German Veterinary Fee Ordinance (GOT) for the restoration of the state of health
Pre-surgery examinations and special diagnostics in the period of 10 days before the planned operation
Follow-up treatment until the 30th calendar day after the operation
Proportionate subsidy of up to €500 for the use of prostheses, if they are necessary from a veterinary point of view

Health and accident protection

The insurance reimburses costs for:

Medically necessary treatments up to 4 times the rate of the German Veterinary Fee Ordinance (GOT), if your animal suffers from an illness with clinical symptoms or has been involved in an accident
Outpatient and inpatient treatments, including board and lodging in a veterinary clinic
Medications, consumables, and supplies, if prescribed or ordered by your veterinarian
Special diagnostics such as MRI/CT (only in the Maxi tariff)

Preventive care budget

Regardless of veterinary necessity, the following insurance benefits are considered an insured event and are reimbursed up to the amount of the annual preventive care budget specified in the tariff:

Issuance of an EU pet passport, including insertion of a chip or tattoo
Health check and preventive examinations
Protective vaccinations
Worming cure
Flea and tick prevention
Dental care, plaque removal
Castration or sterilization without medical indication (only in Maxi tariff)

Additional benefits

Reimbursement of accommodation costs in a boarding kennel up to 300€ per insurance year, if you need unplanned inpatient treatment in hospital.
Cat behavioural therapy and medication for 12 months post-traumatic event (only in Maxi tariff)
Free access to 24/7 online vet Pfotendoctor
Access our free Lassie app
Free courses in caring for your dog
Protection overseas for up to 12 months

Is there a limit to the insurance? Are certain illnesses/operations not included in the coverage?

For certain tariffs, there are limits to the amount covered:

Mini
Operation cost coverage: Unlimited
Coverage of treatment costs: €3.000
Preventative budget: €35

Midi
Operation cost coverage: Unlimited
Coverage of treatment costs: Year 1 - €1000, Year 2 - €2000, Year 3 - Unlimited
Preventative budget: 100€

Maxi
Operation cost coverage: Unlimited
Coverage of treatment costs: Unlimited
Preventative budget: 140€

There are also certain situations, surgeries, and/or treatments that Lassie cannot cover. This includes, but is not limited to:

Treatment measures and operations due to previous ailments that existed/began before the start of insurance - i.e. something for which your pet was treated, medicated, examined or showed symptoms within the last 24 months.
Treatment measures or operations due to congenital, genetic hereditary diseases as well as breed-specific diseases (e.g. repair of malformations or deformities), regardless of when the disease was first observed. This exclusion does not apply to diagnoses specifically listed in 2.2.1. and associated conditions of the special waiting period.
Treatment procedures or surgeries for injuries/illnesses that existed/started prior to the effective date of coverage or during the waiting periods and are considered chronic (i.e., illnesses that have existed for 8 weeks).
Treatment and surgery for illnesses that normally could have been prevented if subsequent vaccinations had been given without gaps:
- Dogs: distemper, hepatitis, leptospirosis, parvovirus, and rabies.
- Cats: Calicivirus and rhinotracheitis virus (feline rhinotracheitis), panleukopenia (feline epidemic diarrhea), feline infectious peritonitis (FIP), feline leucosis, and rabies.
Non-exclusively pain-relieving dental treatment, dentures, fillings, and treatment procedures or surgery for dental or jaw abnormalities.
Treatment measures or operations as a result of musculoskeletal health impairments due to:
- Wobbler syndrome (cervical spondylosis).
- Cauda equina (lumbosacral stenosis)
- Growth disorder of the forearm (Radius curvus)
- Degenerative myelopathy (DM) (genetic spinal cord disease).
The following diseases:
- Positional anomaly of the testicle (cryptorchidism)
- Congenital hernias (umbilical, inguinal, diaphragmatic hernia)

For a complete list of exclusions, please refer to the Lassie Policy Terms and Conditions.

What if my cat already has health problems?

Eligible for insurance are cats from the 8th week of life at the start of insurance, which are healthy or already have pre-existing conditions (acute, chronic or breed-specific diseases). Please note: Special restrictions and exclusions of benefits apply to insured animals with pre-existing conditions.

Lassie cat health insurance, like other insurance policies, does not cover past medical conditions (i.e., something for which your pet has been treated, medicated, examined or shown symptoms within the past 24 months).

Provided your cat has not shown any symptoms for 24 months and no treatment, medication or examination has been carried out for this previous illness, costs for treatment and surgery will again be reimbursed if medically necessary within the scope of the Insurance Terms & Conditions.

What veterinary costs might I face?

Veterinary costs vary from cat to cat and from region to region, and of course depend on your dog's health condition and the examination and treatment required. Even a routine check up can cost anywhere between €26 and €45, and the prices only increase with time and difficulty of the issue.

Here’s an example:

Gastrointestinal inflammation: €195 to €450
Operative wound care: €245 to €650
Ear infection: €280 to €580
UTIs: €340 to €540
Tooth extraction: €350 to €570

Additionally, you may also need to pay for medication, materials such as bandages, canulas and needles, third party laboratory services such as blood or tissue analysis, and/or a flat-rate fee of €50 during emergency service times.

Why do I need health insurance for my cat?

A visit to the vet can often run to the hundreds or even thousands of Euro. We all hope our cats will always remain healthy, so it’s easy to underestimate the true costs you’ll face should anything happen. Just like in humans, cats can face lots of different illnesses and injuries throughout their lives, from mild to serious. Common issues that need intervention from a vet in order to keep your kitty healthy include gastrointestinal inflammation, cat flu, gingivitis, hyperthyroidism, urinary tract infection, and much more!

These illnesses can usually be dealt with with regular visits and medication, however in the worst case, your cat will need emergency surgery to save their life. In moments like that, you don’t want to be thinking about finances! Surgery is something you should be prepared to face. Here are some common surgical interventions for cats:

Tumor removal
Wound care
Ligament repair
Broken bone repair
Thyroid removal

Lassie’s full health insurance protects you and your cat against the costs of these common operations, as each of the three tariffs offers unlimited insurance for medically necessary surgery. In addition, other vet-recommended treatments and medications are also covered (the maximum coverage amount depends on your chosen tariff). Find the best option for you and your cat using our online sign up in our app or on our website to compare surgery and health insurances

What does the cat health insurance cost?

The insurance premium depends on the scope of services and the tariff. The age and breed of your cat also influences the price of the insurance, among other things.

Don't forget that you can also lower your price by €25 per policy every year if you are active in our app. Take courses in the app on health and handling your cat, then answer quiz questions and earn points. You can then redeem them for a discount on your insurance premium.

Calculate your prices now and compare Lassie insurances.

What’s the difference between Lassie’s three cat health insurance tariffs?

All three Lassie health insurance plans for cats cover the costs of medically necessary operations in unlimited amounts. For veterinarian-recommended treatments, however, the maximum reimbursement amounts per insurance year differ depending on the selected tariff. For example, Lassie's Mini tariff covers a maximum of €3,000 per insurance year for medical treatment, while the Maxi tariff covers an unlimited amount for insured medical treatment. Another difference is in the amount of the annual preventive budget, which you can use for flea and tick prevention, vaccinations or health checks, for example. Here’s an overview of the annual preventive care budget per tariff:

Mini: €35/ year
Midi: €100/ year
Maxi: €140/ year

Want to learn more about Lassie cat health insurance rates? Answer a few questions about your furry friend in seconds and compare prices and rates.

Can I influence the price of my cat insurance if I raise or lower my deductible?

Yes, your insurance premium is affected by the deductible you choose. With Lassie Health Insurance you have 2 choices: 20% or 0% variable deductible. If you choose a 20% deductible, your insurance premium will be lower because you will pay 20% of the costs yourself in the event of a claim. If you choose a 0% deductible, Lassie will reimburse the entire cost in the event of a claim, up to the benefit limit defined in the tariff per insurance year. For this reason, your choice of 0% deductible means a higher insurance premium. Calculate your insurance premium now and see how the deductible you choose influences your individual price.

What happens in case my cat is in an accident?

If your cat is involved in an accident, please seek help from a vet as soon as possible. If you are not sure whether a visit to the vet is necessary, with Lassie cat health insurance you can also talk to a vet from our partner Pfotendoctor by video phone call free of charge - 24/7, and on weekends and holidays. If you’ve already been to the vet and need to submit a claim, please use the “Submit claim” button in the “Insurance” tab in our app, or send an email to schaden@lassie.de. Learn more about what to do in case of an accident or claim.

What if I adopted or purchased my cat from abroad?

If you’ve adopted or purchased a cat from abroad, you can only buy the insurance to start on the day your cat arrives in Germany.

Remember that cats traveling into Germany need to be vaccinated against rabies, and need a microchip or tattoo and EU pet passport. You can buy insurance from us without a veterinary certificate, however, especially if you’ve adopted a cat from overseas, we would also like to draw your attention to the following:

The health insurance does not apply to disease caused by parasites or infection that your cat brought with them when it was brought to Germany. As with all pet health insurance providers, we do not cover issues that your cat has experienced within the 24 months prior to the start of the insurance coverage (e.g. anything for which your cat was treated, examined, or showed symptoms for).

How does the online video consultation with a veterinarian work?

With Lassie's cat health insurance, you always have the option of booking a video consultation with a professional veterinarian from our partner Pfotendoctor if you are worried about your cat. You can book an appointment directly in the Lassie app, and the consultation itself will take place via the Pfotendoctor app. In case this is not possible for you, you can also indicate that you would like to be contacted by phone when booking the appointment.

It is important that you enter your Lassie insurance number in the Pfotendoctor booking form so that we can assign the consultation to your insurance. That way, we pay Pfotendoctor directly, and it is free of charge for you! After booking the appointment, you will receive an SMS shortly before the start of the appointment with the access data for the video call, which you must enter into the Pfotendoctor app. Through the video function, it is possible for the vet to view your cat via the camera and can thus provide advice and give you recommendations for action. Many common concerns of cat owners can be solved with the help of Pfotendoctor, without having to go to the vet.

Please note that it is not possible for Pfotendoctor to issue prescriptions via video, so an additional appointment at a veterinary practice is essential if your cat needs prescription medication.

Do I need a veterinarian's certificate or does my cat need to have a health exam before I can take out insurance?

No. You don't need a veterinary certificate or a health check to insure your cat with Lassie. You can quickly purchase insurance for your cat in just two minutes via the Lassie website or app. We trust you to provide truthful and complete information when you take out insurance.

I have more than one cat, can I insure all my cats with one health policy?

A separate surgery or health insurance policy must be taken out for each cat, as the insurance benefits only apply to the respective insured cat. To take out Lassie insurance for one or more cats, fill out our online form for each cat, including specific details - for example, the breed or the cat’s age. In just 2 minutes, you can easily take out another cat insurance policy online.

Do I have free choice of which vet I go to?

Yes of course! With Lassie you are free to choose the vet you and your cat prefer. We cover all costs up to 4x GOT Satz, so you can rest assured that we’ll help you cover your costs, no matter where you choose to go.

Is there anything else that influences the price of the cat health insurance premium?

The price of the insurance for your cat is calculated based on multiple factors, including your cat’s breed, sex, age, and location. You can calculate your price in a few moments by answering some questions in our online form, then comparing the costs and services of each of Lassies cat health insurance tariffs.

Will I still need cat health insurance as my cat gets older?

It’s likely that older cats need to visit the vet more often than younger cats, as certain illnesses and issues only appear in old age. To keep your cat in the best possible health throughout their life, it is a good idea to keep the insurance while they age.

Does it matter how old my cat is?

At Lassie, your cat can be insured from 8 weeks of age, and we have no upper age limit so you can insure even your oldest cat. Age plays a role, not only in the general health of your cat, but also in the cost of keeping them healthy. Therefore, it also has an impact on what you’ll pay for their insurance.