NEW: Take out health cover & secure a Tractive GPS & Health Tracker 🐶😻! Details

Hundreds of thousands

insured paws

Lassie. Your dog health insurance.

Up to 100% cost coverage · Unlimited coverage · 50 € reward through bonus program

Our promise

There for you before and during illness

Dogs are family members and deserve the best health cover. Lassie protects you against high veterinary costs should your pet fall ill. As the first preventive pet insurance, we also reward preventive care with up to €50 per year.

No dog has to stay outside with us

Every dog deserves the best life. Regardless of age, breed and state of health.

No matter what age

We insure all dogs from the age of 8 weeks.

No matter what breed

We welcome all dog breeds to our Lassie family.

No matter what health condition

Sick dogs are accepted when taking out insurance.

Our tariffs in comparison

Lassie offers three dog health insurance tariffs as well as pure dog surgery insurance.

Popular

Midi

Medium Full health cover

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.

Preventative 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, teeth preventation 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.

That's why more than 400,000 paws love Lassie

Have any questions?

We are here for you! Our customer service experts are available from Monday to Saturday from 8 am to 10 pm in our chat. Our promise: We will answer you personally in under 1 minute.

Tractive x Lassie

Get a GPS & Health Tracker with your insurance

Live-GPS-Tracking
Enjoy worry-free adventures with your loved one thanks to precise location tracking and worldwide network coverage.

Activity & Health tracking
Stay on top of your pet's health with activity & sleep tracking, just as customised health alerts.

Earn points for daily activity!
Get 1000 points when you link your Tractive to Lassie, and 10 points each day your pet stays active.

100% transparent and simple

You should choose the right insurance with a clear conscience. Find out all about the most important components of our dog health insurance.

Surgeries

Unlimited coverage of surgery costs

In emergency situations, your full attention is on your dog - not your finances. All health insurance plans cover the costs of operations up to an unlimited amount - i.e. there is no reimbursement limit per year.

Medical vet treatments

Reimbursement of treatment costs

Our comprehensive health insurance plans reimburse you for the costs of insured veterinary treatment, including medication or drugs. Depending on the plan, there are annual reimbursement limits. Choose the right tariff for you and your dog.

Preventative Budget

Up to € 140 annual credit for prevention

Benefit from Lassie health insurance from day 1. With us, prevention comes first. Every year, we cover a wide range of preventive measures as part of the preventive budget.

Vaccinations
To prevent illness, we reimburse the costs of vaccinations.

General examination
We cover the costs of a preventive general examination at your vet.

Worm prevention
Preventive worming cures protect against illness. We reimburse this preventive treatment.

Preventive dental care & tartar removal
Preventive dental care is essential for your dog's dental health. For example, we take care of preventive tartar removal or tooth polishing.

Flea and tick prevention
We reimburse flea and tick prophylaxis as part of the preventive care budget.

Claw cutting
Claw trimming protects your pet from injury. We reimburse the costs as part of preventive care.

Preventative anal sac emptying
We reimburse preventive anal sac drainage as part of the preventive flat rate - to prevent inflammation of the anal sacs.

Preventatie castration (only in Maxi tarif)
Our Maxi tariff reimburses or subsidises the preventive castration of your pet, i.e. even if there is no medical indication.

Chipping / tattooing
We reimburse you for the cost of uniquely identifying your pet - either by chip or tattoo - as part of the preventive care package.

EU passport
You have a puppy and need an EU pet passport? We will cover the costs as part of the preventive budget.

Emergency protection

Not only, but also in an emergency

You can rely on Lassie in an emergency.

300 € for animal boarding

If you have to go to hospital unplanned, we will reimburse you up to €300 per year for a boarding kennel.

500 € travel cancellation costs

If your vacation is canceled due to an emergency operation, we will reimburse you up to €500.

Costs for euthanasia

When your faithful companion embarks on its final journey, we will pay for its euthanasia.

puppy parents watch out

No waiting time for puppies

Is your puppy less than 120 days old and in perfect health? Then enjoy full insurance cover from day 1 - with no waiting period. This is what it takes to waive the waiting times:

Download our health certificate
To waive your waiting times, we need the Lassie health certificate filled out by your vet without notes on diseases and symptoms. You can download this here.

Fill in the certificate at the vet
The health certificate must be issued by your attending vet within the first 10 calendar days from the start of the insurance. Please note: We cannot cover any costs for issuing the health certificate.

Submit certificate
Simply submit the fully completed health certificate to us together with your first damage report to Lassie. We will check this against your invoice. Everything is done.

Waiting times

Waiting times for all tarifs

Benefit immediately from your preventive care budget and the opportunity to speak to an online vet. There is a waiting period for illnesses, accidents and specific diagnoses.

•0 days for preventative budget
•0 days for telemedicine
•2 days in case of an accident
•30 days for sicknesses and surgeries
•18 months for specific diagnosis

To your non-binding offer!

Calculate your premium and select your desired tariff.

And psst: if you insure two or more animals, you will automatically receive a 10% discount per pet.

Insurance has never been simpler

Everything in the app at a glance
Submit invoices in the app, keep an eye on the claim status and manage your insurance independently.

Personal customer support until 10 p.m.
Reach us via chat, email or phone - we are always there for you. Personal, quick and reliable.

Simple & fast claims refund
Take a photo of the invoice and upload it to the app. Submitting an insurance claim has never been easier!

Lassie. Prevention instead of aftercare.

We are the first preventive pet insurance offering our unique preventive care concept. Similar to your human health insurance, Lassie supports you with preventive healthcare for your furry family member and rewards you for taking care of your pet with lower premiums.

Protect your furry friend and benefit from day 1

Benefit from our unique prevention concept - long before your pet falls ill.

Save €50 a year with bonus points
By taking preventive courses, you collect bonus points in the app, which you can use to save up to €50 a year on your dog insurance.

140 € credit for preventive budget
Lassie covers the costs of preventive care i.e. vaccinations and parasite prophylaxis up to €140 per year.

365 days free online veterinary consultations
You can speak to a vet at any time free of charge via our app. Whether at Christmas or at the weekend.

200 + courses on animal health included
Learn all about your pet's health in the Lassie app and benefit from content on training and education - free of charge!

100% personalized recommendations in the app
Your smartphone becomes your personal assistant for animal health and suggests courses that suit your pet.

Telemedicine

Free advice from an online vet

Through our partner Pfotendoctor, you can book unlimited free telephone or video consultations with a vet from the comfort of your own home with all comprehensive dog health insurance plans. And around the clock - at night, at the weekend or on public holidays.

Insured in 2 minutes

1. Tell us about your pet

Your answers will help us find the best tariff for you.

2. Choose the perfect tariff

Compare all tariffs online and choose your favorite.

3. Enjoy your unique protection

Your insurance is active and protects your pet. Use Lassie right away.

Frequently asked questions on Lassie dog insurance

Can I get a discount?

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

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.
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.
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.

How does the online video call with a vet work?

You can book an appointment with a professional vet from our partner Firstvet, right from the Lassie app. For the appointment you’ll need to download the Firstvet app where the video consultation will happen. If this is not possible for you, you can also specify in the booking that the veterinarian should reach you by phone. You will get the data you need to access your video call via text message shortly before your appointment. Use the access information to log into the video call with an experienced vet, where they will be able to take a close look at your dog and give you advice or care recommendations right away. The majority of your concerns can be solved directly through the call. However it’s important to note that prescriptions for medication cannot be given, so in that case an appointment at a vet practice will be necessary.

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. 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

Do I need to do a health check or provide a veterinary report before I can buy the insurance?

No! You don’t need a veterinary report or health check to insure your pup with lassie. You can get insurance within 2 minutes via our app or by signing up online without any need to fill out complicated forms or provide proof of health. We rely on the fact that the information provided when taking out the insurance is true and complete.

However, if you already have a health check or other similar documentation, please feel free to submit it at the time you submit your first claim! For example, if you have already insured your puppy or kitten with us under the age of 120 days and your pet is healthy according to the health check, your waiting period can be waived from the start of the insurance. In this case, it is important that the health check was carried out no more than 10 days after the start of the 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 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 dog already has health problems?

Eligible for insurance are dogs 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 dog 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 dog 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 does the dog health insurance cover?

Operation cost protection

The insurance reimburses costs for:

Medically necessary operations (e.g. under full or partial anaesthesia) 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)
Behavioral therapy measures, if these are prescribed by a veterinarian due to a traumatic event that occurred after the start of insurance and after the general waiting period and are provided by a recognized behavioral therapist, within 12 months of the traumatic event (only in the Maxi tariff)

Preventive care budget

Regardless of veterinary necessity, the following veterinary services are considered an insured event, and coverable according to the scope of the preventive care lump sum stated in the insurance policy:

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
Spaying or neutering without medical indication (only in Maxi tariff)

Additional benefits

Accommodation costs in a boarding kennel of up to €300 per insurance year if you need unplanned inpatient treatment in hospital
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

Can I also insure my hunting dog?

Can I influence the price of my dog 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 two 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’s the difference between Lassie’s three dog health insurance tariffs?

All three Lassie health insurance plans for dogs 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 dog health insurance rates? Answer a few questions about your furry friend in seconds and compare prices and rates.

When do you withdraw money for my pet insurance?

You must pay the first insurance premium no later than two weeks after receiving the insurance policy. Depending on the agreement, you pay your subsequent insurance premiums monthly or annually in advance. Specifically, if you pay monthly, the payment will be collected on the 1st of each month. If you pay annually, the payment will be collected on the date of the annual renewal. If you do not pay your premiums or do not pay them on time, you may lose your coverage, according to the terms and legal requirements.

If you are already a Lassie customer and notice a problem with your payment, please feel free to contact our team via chat, email or phone in our app or on our website.

What if I adopted or purchased my dog from abroad?

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

Remember that dogs 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 dog 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 dog brought with them when it was brought to Germany. As with all pet health insurance providers, we do not cover issues that your dog has experienced within the 24 months prior to the start of the insurance cover (e.g. anything for which your dog was treated, examined, or showed symptoms for).

Does the Lassie health insurance also cover costs for operations or do I need to buy surgery insurance separately?

What happens in case my dog is in an accident?

If an accident occurs, 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 dog 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.

I have more than one dog, can I insure all my dogs with one health policy?

What does the dog health insurance cost?

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

Don't forget that you can also lower your price by €50 per policy every year if you are active in our app. Take courses in the app on health and handling your dog, 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.

Why do I need dog health insurance?

A visit to the vet can often run to the hundreds or even thousands of Euro. We all hope our dogs will always remain healthy, so it’s easy to underestimate the true costs you’ll face should anything happen. Just like in humans, dogs 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 pup healthy include allergies, ear infections, diabetes mellitus, kennel cough, hip dysplasia, and much more!

These sicknesses can usually be dealt with with regular visits and medication, however in the worst case, your dog 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 dogs:
Tumor removal
Ligament repair
Broken bone repair
Gastric torsion
Joint issues
Lassie’s full health insurance protects you and your dog 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 dog using our online sign-up in our app or on our website to compare surgery and health insurances.

Until which level of GOT vet costs does Lassie cover?

What is GOT?

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

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

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

Does it matter how old my dog is?

What veterinary costs might I face?

Veterinary costs vary from dog to dog 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:
Stomach or intestinal inflammation - €315 to €860
Eye injuries- €220 to €895
Wound care - €345 to €1350
Tooth extraction - €565 to €690
Lameness in legs - €175 to €950

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.

What is full health insurance for dogs?

Just like your own health insurance, dog health insurance covers the costs of necessary medical care for your four-legged friend. Depending on the tariff, Lassie dog health insurance reimburses the costs for veterinarian-recommended medical treatments, necessary surgeries, as well as costs for surgery preparations and follow-up treatments within a defined period of time, among many other things. In addition, Lassie health insurance for dogs include an annual preventive care budget, which can be used, for example, for a yearly health check, vaccinations or dental prophylaxis.

Dog health insurance is not required by law in Germany, however it is strongly recommended by many veterinarians. Whether your dog is in perfect health, or already has had some problems in the past, it is always sensible to get health insurance to ensure you can always afford the best care for your furry friend. A monthly or yearly contribution to a health insurance is a small price to pay for the peace of mind you’ll have, knowing that your dog will be insured against expensive veterinary treatments or operations.