Peace of mind just a click away

Cover what matters most to you with our affordable and transparent offers, and in case of a claim, get a refund in a wink of an eye!

2 minutes

to get insured

2x faster

to get a refund

2 minutes

to fill a claim in the app

You're in good hands

Transparency

Clear and easy to understand contracts, with no hidden costs or fine print. Insure what matters to you in just a few clicks

Simplicity

You want to file a problem with your home or your pet? Through our app you are reimbursed before you even say "wow".

Accessibility

Always at your side: our customer care team is available to answer all your questions 7d/7 even on Sundays.

You're in good hands

Our insurances

Because you have specific needs, we created specific products.

Pet Health

From €3.99 per month

  • Up to 100% reimbursement

  • 24/7 customer support

  • Worldwide coverage

  • Cancel anytime

Get covered

Dog Liability

From €5.99 per month

  • All breeds are covered

  • Worldwide coverage

  • S.O.S dog bite

  • Cancel anytime

Get covered

Private Liability

From €4.99 per month

  • 100% paperless and online

  • 24/7 customer support

  • Bi-lingual documents for expats

  • Cancel anytime

Get covered

Home Content

From €1.79 per month

  • 24/7 free emergency assistance

  • Bi-lingual documents for expats

  • 100% paperless and online

  • Cancel anytime

Get covered

You can count on us

2 min

to get an answer on the chat, 7d/7

45M€

of valuables covered

2x

Refunded twice as fast thanks to our network

25%

of average savings per year

Your pets are in good hands with us

Look how cute our furry policyholders are! Become part of the family and share your pictures with #LukoFurmily (the pets of Luko employees are also insured with Luko)

Artsy
Mowglie
Hippy
March
Pongo
Malo
Fox
Cream
Gribouille
Mio

Historical experts and professionals by our side

Luko is a certified B Corp. This certificate measures the company's overall social, environmental and economic performance, focusing primarily on public transparency and legal accountability.

Luko’s insurer is Berlin-based Luko Insurance AG, a P&C insurance company supervised by German regulator BaFin.

Luko is reinsured by Munich Re, SCOR and Canada Life Re - the three biggest reinsurers in the world which work with all great insurance brands.