Lassie. Your cat health insurance.

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).

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. There is a reduced waiting period of 2 days from the start of the insurance for accidents. However, there is no waiting time for the usage of 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.

Please note: In case you ensure a puppy or kitten with us below the age of 120 days and you have a vet certificate confirming your beloved furry friend is fully healthy, you have the chance to waive the waiting period from the start of the insurance.

There is no waiting period for dog liability insurance.

Ask your veterinarian to fill out this form: Gesundheitszertifikat

Yes, you have several ways to get a discount with Lassie.

1. Save through our Prevention Bonus Program: Take courses and answer quiz questions in the Lassie app and get a discount on your insurance premium - every insurance year! At Lassie, we want to help you prevent illnesses and injuries in your pet before they occur! That's why you can take part in prevention courses where you learn how to care for your dog or cat - e.g. what diet is suitable for your kitten or how to socialize your dog. You can test your knowledge with subsequent quizzes. If you answer all the quiz questions in a course correctly, you will receive points that you can use to get a discount on the price of your cat health insurance. Save up to €50 per insurance year on dog surgery or health insurance per insurance year and up to €25 on cat surgery or health insurance.

2. The Lassie Refer-a-Friend program: We also want every pet owner to benefit from a preventative approach to pet care. That's why we have the Lassie referral program, where you can invite others to join Lassie and get extra discounts for yourself and others! Get €30 off your next Lassie invoice for every successful referral. Learn more.

3. Multiple pet discount: Would you like to insure more than one pet with Lassie? Then you can benefit from the Lassie multi-animal discount, which gives you a 10% price reduction.

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

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.

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.

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.

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