Dog Surgical Insurance Comparison: A Financial Test Examines When Insurance Is Worth It


Of dog is man’s best friend. Each of us knows this prayer in this or a slight variation. It’s even harder for us when our four-legged friends are doing poorly, maybe even one OP it is inevitable the surgery of a dog can quickly cost thousands of euros. insurance there are a lot of them, but they also connect a large number Services outside. financial proof has 61 Surgery expense insurance compared. we take them Comparison Results down here.

Dog Surgical Insurance: It Depends on the Fine Print

a surgery insurance for dogs It depends on the fine print. Because the deals regularly exclude a lot of services, but they can still be worth it. Especially if they offer a high level of performance. This is the result of the comparison of 61 surgical insurance plans of “Finanztest” in the current edition (issue 9/2021).

For this purpose, the respective Scope of services in relation to the type of dog (younger and smaller jack russellmiddle-aged and middle-aged hybrid and tall old man Labrador) What sample treatments checked. these were one disc surgery for 3530 euros and one cruciate ligament surgery for the amount of 2520 euros.

Small and young dogs: Finanztest recommends these insurance companies

For small and young dogs For this reason, “Finanztest” recommends the rates “TK Kleintiere Smart 100%” from Allianz (annual fee 184 euros), “Tier OP Easy (SB) + Zahn” for 189 euros per year and “Tier OP Best (SB) + Zahn ” for 194 euros per year from HanseMerkur and the “OP-Schutz” rate from Barmenia (annual fee 206 euros).

For him medium and middle aged dog The same tariff recommendations apply, but the annual contributions are slightly higher, from 210 to 229 euros.


In its big comparison, Finanztest compared surgical insurance for dogs, classified according to three categories of dogs: young and small (as shown here), medium and middle-aged, and old and large.

In its big comparison, Finanztest compared surgical insurance for dogs, classified according to three categories of dogs: young and small (as shown here), medium and middle-aged, and old and large.
© Photo: Frank Rumpenhorst/DPA

This surgical insurance is suitable for large and older dogs

large senior dogs they are better with the insurance “Tier OP Easy (SB) + Zahn” for 249 euros and “Tier OP Best (SB) + Zahn” for 255 euros from Hansemerkur and with the “Balunos OP Gold 90%” from Ias for 280 euros and the “Balunos OP Gold 100%” for 324 euros per year.

Many plans include one excessOwners should take this into account. With some rates, the premium and deductible increase with the age of the dog. Dog owners should also be aware that insurance companies often Strictly rule out diseases and treatments. Sometimes not only those that already exist when the contract is signed. Unlike humans, insurance companies can also cancel surgical insurance after an insured event. Only two providers (Barmenia and Helvetia) waive this after three years.

Finanztest advises to start thinking about dog insurance from the beginning

“Finanztest” does not recommend taking out surgical insurance for your dog in all cases, but strongly recommends that you start thinking about preventive care at an early stage. If you save 50 euros a month, you will have saved a good sum after a few years. However, if a major operation needs to be done in the first three years, the amount is still too low to cover the costs.

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