Dog Insurance Comparison
Dog health and surgery insurance varies widely in waiting periods, deductibles and coverage. We compare the main providers and say which plan fits which dog.
Which provider fits your dog?
Get a tailored recommendation in under a minute.
Agila
Best overallFull health cover from a long-standing insurer
Solid all-round cover with a broad tariff range — our overall pick.
Pros
- Long market track record
- Surgery and full health cover
- Free choice of vet
Cons
- Higher premium in the top tier
- Monthly premium
- ab ca. 25 €
- Surgery cover
- Ja
- Deductible
- 20 % (optional)
- Waiting period
- 30 Tage
- Annual limit
- tarifabhängig
Lassie
Best for puppiesDigital cover with a prevention bonus
Great for puppies and young dogs thanks to its prevention focus and clean app.
Pros
- Prevention discounts
- Fully digital sign-up
- Fast reimbursement
Cons
- Newer player on the market
- Monthly premium
- ab ca. 15 €
- Surgery cover
- Ja
- Deductible
- 0–20 %
- Waiting period
- 30 Tage
- Annual limit
- tarifabhängig
DA Direkt
Best valueValue cover from a direct insurer
Affordable entry for cost-conscious owners who prioritise surgery cover.
Pros
- Affordable entry tariffs
- Well-known brand
- Online sign-up
Cons
- Cover scope varies by tariff
- Monthly premium
- ab ca. 12 €
- Surgery cover
- Ja
- Deductible
- tarifabhängig
- Waiting period
- 30 Tage
- Annual limit
- tarifabhängig
Helvetia
Best coverageComprehensive premium cover
For owners who put maximum cover above price.
Pros
- High reimbursement rates
- Extensive premium tariffs
- Established group
Cons
- Premium cover priced accordingly
- Monthly premium
- ab ca. 30 €
- Surgery cover
- Ja
- Deductible
- 20 % (optional)
- Waiting period
- 30 Tage
- Annual limit
- hoch / unbegrenzt (Tarif)
Providers compared side by side
| Feature | Agila | Lassie | DA Direkt | Helvetia |
|---|---|---|---|---|
| Monthly premium | ab ca. 25 € | ab ca. 15 € | ab ca. 12 € | ab ca. 30 € |
| Surgery cover | Ja | Ja | Ja | Ja |
| Deductible | 20 % (optional) | 0–20 % | tarifabhängig | 20 % (optional) |
| Waiting period | 30 Tage | 30 Tage | 30 Tage | 30 Tage |
| Annual limit | tarifabhängig | tarifabhängig | tarifabhängig | hoch / unbegrenzt (Tarif) |
How we compare
The order reflects our editorial assessment. Entries marked “Top-Partner” are paid placements, and we label them as such.
Editorially curated. Some links are partner or affiliate links — if you complete a purchase, HonestDog may earn a commission; your price stays the same.
Details without guarantee. As of June 2026 — provider features and prices may differ.
Frequently asked questions
When should I insure my dog?
Ideally as a puppy — many plans exclude pre-existing conditions, and young dogs have none yet.
Surgery cover vs. full health insurance?
Surgery cover pays for operations only; full health insurance also covers treatments, medication and diagnostics.
How independent is this comparison?
Ordering follows our editorial assessment. Entries marked ‘Top-Partner’ are paid placements and labelled as such.
This placement could be yours
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