With Lassie, there is a general waiting period of 30 days and a special waiting period of 18 months for specific diagnoses from the start of the insurance. For accidents, there is a reduced waiting time of 2 days from the start of the insurance. However, there is no waiting period for the usage of the preventive care budget, and for telemedicine with our partner FirstVet.

However, the insurance coverage only starts if the payment is made on time, which is within 14 days of receipt of the insurance policy.

Waiver of waiting periods:

If your puppy or kitten is no more than 120 days old at the start of the insurance and a Lassie health certificate filled out by your veterinarian shows no indications of illness, the waiting periods are waived. Your insurance will then be valid immediately from the start date stated on your policy. The health certificate must be issued within the first 10 days after the insurance begins. Without this certificate, the standard waiting periods apply.

General waiting periods for the surgery and health insurances may also be waived if your pet has been previously insured for at least 12 months with a comparable insurance coverage, and the switch to Lassie was made without any gaps in coverage. Special waiting periods will be credited, provided that the benefit was also covered by the previous insurer.

For further details, please refer to paragraph 2.2. of the general insurance terms and conditions.

There is no waiting period for dog liability insurance.

A deductible is the amount you pay yourself in the event of damage or a claim. After the deductible has been paid, Lassie’s dog liability insurance will cover any remaining costs up to the maximum sum insured. With Lassie you may choose to pay a € 150 deductible, or € 0 (no deductible at all!) If you choose to pay a deductible, then your monthly or yearly insurance premium is decreased.

The sum insured corresponds to the flat-rate sum insured, which is stated in the insurance certificate and its supplements. The sum insured represents the maximum compensation for all insured events in one insurance year.

• Cover: Up to €10m

• Deductible: Choose 0 or €150

• Rented/borrowed objects: Up to €5,000 (add-on)

• Replacement value compensation: Up to €5,000 (add-on)

• Emergency aid for dog bites: Up to €500 (add-on)

• Claims between insured persons and claims from relatives

• Intentional damage (e.g. damage that is not caused by accident)

• Damage beyond the statutory liability

• Penalties and fines

• Hunting dogs that are already covered by hunting liability insurance

In some cases, the insurance does not provide unlimited coverage up to €10m. This includes the following:

• Damage caused by intent

• Claims of co-insured persons or relatives living in the same household

Additionally, the following limitations apply to the additional services:

• Replacement value compensation is limited to €5,000

• Emergency aid for dog bites is limited to €500

• Compensation for rented or borrowed items is limited to €5,000

Remember that you may also need to pay a deductible in the case of an insurance claim, depending on your chosen deductible and insurance premium.

Lassie’s dog liability insurance cover is valid in the Federal Republic of Germany, for an unlimited stay abroad in Europe, and for a temporary stay of up to 5 years outside of Europe. If you're planning to travel outside of Germany with your dog, it is important to have dog liability insurance, as claims for damages in other regions may be far higher than they are in Germany.  

You can earn points by taking courses related to your dog’s health and preventative measures, and then answering quiz questions correctly in the Lassie app. By learning about your dog's health and how to handle it, you have the opportunity to reduce your dog's risk of illness and injury. Because the focus of these courses is preventative health, points can only be redeemed in the form of discounts on health and surgery insurance packages.

No. All dog liability insurance only covers damage caused to third parties, and Lassie is no exception. Any damage caused in houses or apartments you own will not be covered.

Lassie’s dog liability insurance covers you as the policyholder, of course. But

did you know that "non-commercial third parties" are also covered? This includes family members, partners or roommates, or other non-commercial dog guardians (basically anyone who occasionally helps walk or care for your four-legged friend). The only people who are not covered are professional dog sitters, as they have their own dog liability insurance as part of their job.