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Big, small, old, young – every dog has different energy requirements. But how much food does a dog need? Learn about the ideal amount of food for dogs.

By Luko
Whether dog or cat health insurance, we offer your furry friend 100% paperless and online paw-some protection - just in case!
✓ Up to 20 000€ of health costs covered
✓ Free choice of veterinarian
✓ 24/7 unlimited vet video consultations with FirstVet
✓ Worldwide coverage
✓ For any breed, even for pets with pre-existing conditions
Why do more than 400,000 policyholders recommend Luko?
We offer you flexible health insurance, at the right cost: you can choose the level of coverage and adapt the deductible, to better protect your furry friend - without breaking the bank.
Cheaper
From €3.99 per month
Transparent
Crystal-clear & flexible coverages,
cancel any time
Fast refund
Upload you vet bill in a click,
get refunded in a few days
Necessary operations under partial/ general anesthesia at the veterinarian up to 3 times the rate according to the scale of fees for veterinarians (GOT)
Worldwide coverage (up to 12 months), as long as you are registered with your primary residence in Germany (According to German veterinary fees)
If your furry friend does not come home for more than 72 hours, we will contribute to the costs for a missing pet report.
And all the guarantees from the Surgery coverage are also included!
Comparison calculation with selected insurers (similar benefits) from 20.06.2022, exemplary for a Dalmatian, born on 13.07.2020, age policyholder 36 years, without deductible, 30 days waiting period, daily cancellation period, monthly payment, co-insured is an annual health lump sum up to €100, 0 claims in the last 3 years. The tariffs can differ in further individual performance characteristics
A vet anytime, anywhere
Enjoy free unlimited online vet video calls through our partner FirstVet until July 2023 - included for free in your Full Coverage. Access to a vet whenever and wherever you want to get advice, simple treatment recommendations or a referral to a local veterinary clinic.
• 450 experienced vets across Germany
• Available 24/7, 365 days a year
• Unlimited access for Full Pet Health customers
Don’t really fancy a deductible?
Free yourself from all costs and get 100% reimbursed.
Reduce the deductible from 30% + min. 100 € to 20% or 0%. for all your chosen options and save yourself from surprise costs so you can get the best care for your pet.
Our health insurance for your pet covers you when you are confronted with veterinary costs. A distinction is made between costs for surgical procedures and other veterinary costs.
In principle, Luko covers costs for unexpected, necessary surgical procedures on your four-legged friend.
Luko's pet health insurance covers the costs of unexpected, necessary surgical interventions - worldwide. You can optionally choose an excess of 30%+min. 100€, 20% or 0%.
The sum insured is the maximum amount that we will cover if your dog or cat has to undergo surgery:
Does your pet need surgery because of an illness that occurred after you took out Pet Health Insurance? We feel for you and your fluffy friend. We keep you financially secure and will reimburse the following costs, including:
Co-insured is a one-time Health Bonus for e.g:
There are a few exceptions which are not included in this protection. We do not cover costs in the following cases, e.g.:
We do not reimburse costs for, e.g.:
However, you can easily protect these above exclusions with the Veterinary Cost Coverage add-on.
Do you love hard facts? Then check out the full terms and conditions of our pet health insurance.
Treat yourself to the full protection. Better safe than sorry – especially when it comes to your pet.
We cover the costs of inpatient & outpatient treatments at the vet, such as necessary diagnostics, allergy treatments, laser therapy and much more.
Your pet (and you) will be feeling better soon.
We not only wish your pet a speedy recovery. We cover the following vet costs (apart from those already covered) to make it happen.
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
Reduce the deductible for all your chosen options from 30% + min 100 €, or 20% to 0% and save yourself from unpleasant surprises in the event of an emergency.
No unexpected surprises. Sounds good, right?
With this add-on, there are no costs for the options you choose. In short: Luko will reimburse you 100% of the costs incurred within the scope of the covered protection.
You’ll save a lot of money that you can re-invest in treats and toys!
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
When and in what amount the health lump sum is paid depends on the selected tariff and results from the insurance policy.
The sums insured for your contract are listed in the insurance policy.
Not insured are e.g. expenses for:
That’s simple: Yes, we insure all breeds.
One insurance policy covers one pet. Do you have more than one pet? Don’t furry...um...worry! Whether cat or dog, simply purchase another separate insurance policy for your other fluffy companion via your Luko Dashboard!
This German abbreviation stands for Gebührenordnung für Tierärzte (Fee Regulations for Veterinarians). These regulations determine which costs veterinarians are allowed to charge for a treatment of your beloved pet. Veterinarians can charge one to four times the fee, depending on the length and difficulty of the treatment.
To be on the safe side, Luko will pay up to 3 times or 4 times (optional) the rate of the Fee Regulations for Veterinarians.
Yes, we are serious. We have founded Luko because we ourselves were fed up with complicated language, intransparent contracts and paperwork. You can really get covered with us in just a few minutes, view your documents online 24/7 and cancel at any time. Convince yourself!
Our tele-consultation service is unlimited and free of charge for all customers that have a full pet health coverage with Luko. This means that the service is not available for users who are only under the Surgery policy. Buy a Full Pet Health contract for you furry friend and experience the broad service of your Luko Insurance.
Our special offer is valid until July 2023. Until then, all customers can make unlimited use of the service within the framework of the full pet health insurance. If we extend our partnership with FirstVet after July 2023, we will inform our customers accordingly.
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