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.

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.

We would like to help every pet owner learn and apply the most important things about the health and handling of dogs and cats - so that our four-legged friends are cared for in the best possible way. In this context, the Lassie points system was developed: You can collect points in our app by taking courses on preventative health care - first aid or tooth brushing, for example. Afterwards, you can test your knowledge by taking quizzes. If you answer all quiz questions about a preventive care course correctly, you receive points. You can then use these accumulated points to get a discount on your health or surgery insurance! The more you learn in the Lassie app, the more points you earn and the less you pay for Lassie 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).

The insurance contract, and therefore the insurance coverage, ends if you are no longer the owner of the insured animal or also with the death of the insured animal. If you plan to give your dog or cat to someone else, the new owner can take out a new insurance policy for the dog or cat through Lassie. You can arrange the timing so that there is no break in coverage for your pet.

A separate insurance policy must be taken out for each pet. One of the reasons for this is that Lassie takes the specifics of each pet into account when calculating the insurance premiums, for example their breed or age.

To add a new policy for another pet, sign up through our online form or add them in the Lassie app.

Both the Lassie pet surgery insurance and the Lassie pet health insurance offer the option of covering 100% of the costs for insured services. To do so, choose a 0% deductible when selecting your plan. Please note: Lassie covers the costs of medically necessary operations up to an unlimited amount and costs for recommended medical treatments up to the benefit limit specified in the selected tariff per insurance year.

It is possible to switch between the different health insurance packages at any time, unless you’ve already made a claim. If you have made a claim, then you will need to wait until the end of the insurance period to switch to a different package. Please notify us of your wish to change in text form via our chat or via email to kontakt@lassie.de, and we’ll gladly modify your pet insurance.

Please note that if you switch to a different package and your pet has suffered some health issue in the last 24 months, anything related to that issue may not be covered at the new package level, and will only be covered to the level offered by the older package.

For example: your pet suffers from diabetes and this was diagnosed last year while they were covered by the Mini health insurance, and you wish to switch to Maxi health insurance. Any treatment or medication related to your pet’s diabetes will only be covered up to €3000/year (the coverage provided by Mini). Unrelated health issues that arise after the switch to Maxi will have unlimited coverage for medically necessary treatments & operations (as provided by Maxi). As all health insurance packages Mini, Midi, and Maxi offer unlimited coverage for medically necessary operations, there will be no change in coverage for operation costs after the change

Absolutely! Lassie is a 100% digital pet insurance provider. No more paperwork and overflowing folders: you buy your insurance online, and all your insurance documents can be quickly and easily accessed from the app. You can even submit claims and get answers to any questions you may have from one of our customer service team members, right in the app. Get your quote in just a couple of minutes with our online sign up form.