Lassie. Your dog health insurance.

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

Yes, we also offer health insurance for hunting dogs. The easiest way to see your price is directly in our app or on our website. Click here to get a quote!

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.

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.

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).

Lassie’s dog health insurance is a “full health” insurance, which means it includes health and operation insurance. In all three of Lassie’s full health insurance packages, medically necessary operations and recommended treatments are covered.

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.

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

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.

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.

Lassie reimburses up to 4 times the GOT rate for necessary veterinary medical treatment or surgery in all Lassie pet health insurance tariffs: Mini, Midi and Maxi.

GOT stands for the Fee Ordinance for Veterinarians and is an abbreviation for “Gebührenordnung für Tierärzte”. The GOT level determines the cost that veterinarians are allowed to charge for the treatment of your pet. Depending on the length and difficulty of the treatment, veterinarians can charge 1-4 times the fee.

Yes of course! With Lassie you are free to choose the vet or clinic you and your dog 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.

The price of the insurance for your dog is calculated based on multiple factors, including your dog’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 dog health insurance tariffs.

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

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

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.

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.