Dog -health insurance

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.


From €3.99 per month


Crystal-clear & flexible coverages,

cancel any time

Fast refund

Upload you vet bill in a click,

get refunded in a few days

  • Cats and dogs

  • Necessary operations

  • Damages abroad

  • Missing report

  • Free online vet consultation

  • Veterinary expenses

  • Prevention

And all the guarantees from the Surgery coverage are also included!

SAVE 56% €45,60 per year €54,90 per year €60,39 per year €64,90 per year €73,66 per year €105,96 per year As for: 21.06.2022
As for: 21.06.2022

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.

Get covered

This pawtection is waiting for you

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.

What is insured?

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%.

Sum insured

The sum insured is the maximum amount that we will cover if your dog or cat has to undergo surgery:

  • The sum insured is €1,000 for the first 12 months from the start of the insurance (1st benefit section);
  • The sum insured is €2,000 (2nd benefit section) for the first 24 months from the commencement of cover;
  • The sum insured amounts to €20,000 (3rd benefit section) in the first 24 months from the commencement of cover.

This is insured

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:

  • Necessary operations under general anaesthetic;
  • Vet fee up to 3 times the rate of the Fee Regulations for Veterinarians (GOT);
  • Post Operation hospital stay up to 20 days per insurance year;
  • Necessary medication after the operation for a maximum of 20 days per insurance year;
  • Protection abroad (12 months & worldwide);
  • Press contribution for a runaway, insured animal, up to €100 per incident;

Co-insured is a one-time Health Bonus for e.g:

  • Chip Implementation/Tattooing;
  • Protective vaccinations;
  • Worming;
  • Flea and tick control;
  • Castration or sterilization.

This is not insured

There are a few exceptions which are not included in this protection. We do not cover costs in the following cases, e.g.:

  • Treatments that have been started or recommended by veterinary care before the conclusion of the contract;
  • Treatment or operation to correct congenital, genetic, or developmental abnormalities;
  • Operations designed to establish the respective breeding or breed standard.

We do not reimburse costs for, e.g.:

  • Outpatient and inpatient treatments;
  • Necessary diagnostics such as X-rays, ECG, ultrasound, blood and tissue samples, urine and stool diagnostics;
  • Laser therapy;
  • Homeopathy and acupuncture;
  • Treatments of allergies due to hyposensitization;
  • Chiropractic and osteopathy.

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.

Have your vet costs reimbursed as well

Treat yourself to the full protection. Better safe than sorry – especially when it comes to your pet.

Coverage of vet costs

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.

  • Outpatient and inpatient treatments;
  • Necessary diagnostics such as X-rays, ECG, ultrasound, blood and tissue samples, urine and stool diagnostics;
  • Laser therapy;
  • Homeopathy and acupuncture;
  • Treatments of allergies due to hyposensitization;
  • Chiropractic and osteopathy.

Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.

Don’t really fancy a deductible?

0% deductible

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.

Check out our terms & conditions

What is covered?

  • An insured event shall be deemed to be veterinary medically necessary treatment when illness or accident of the insured animal causes an impairment to its health;
  • Independent of veterinary necessity, the insurance benefits of the health lump sum are considered as an insured event.

Insured events are for example :

  • Treatments required by veterinary medicine;
  • Analgesic dental treatment including extraction;
  • Accommodation in a veterinary clinic or veterinary practice;
  • Medicines, bandages, remedies, and aids, up to the maximum rates applicable in each case as set forth in the German Veterinary Fees Ordinance (GOT).

Optionally, you can also insure a health lump sum for e.g.:

  • Chip Implementation/Tattooing;
  • Vaccinations;
  • Worming;
  • Flea and tick prevention;
  • Castration or sterilization.

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.

What is not covered?

Not insured are e.g. expenses for:

  • Treatments already started or advised before application of the contract;
  • Treatment or operation for congenital, hereditary, genetic, or developmental abnormalities;
  • Operations to produce the respective breeding or breed standard;
  • Congenital malformations such as: positional anomaly of the testis, dilatation of the esophagus, prolapse of the nictitating membrane;
  • Preventive or voluntary examinations and treatments;
  • Treatment of damage caused intentionally.

Are there any cover restrictions?

  • Staggered benefit limits apply from the commencement of insurance:
    - up to 12 months max. €1,000;
    - up to 24 months max. €2,000;
    - from 24 months max. €20,000 (per claim).
  • Animals with previous illnesses can be insured. Damage occurring in direct connection with the previous illness is not insured;
  • A general waiting period of 90 days applies. With the "Premium" add-on, even just 30 days.

Answers to burning questions

  • Do you insure all breeds?

    That’s simple: Yes, we insure all breeds.

  • I have more than one pet. Can I include all my pets in one insurance?

    One insurance policy covers one pet. Do you have more than one pet? Don’t! Whether cat or dog, simply purchase another separate insurance policy for your other fluffy companion via your Luko Dashboard!

  • What does GOT stand for? And what does it mean?

    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.

  • Is it really that easy to get coverage from Luko?

    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!

  • Is the online vet service of FirstVet accessible for all Luko customers?

    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.

  • How long can I use FirstVet for free?

    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.

Our recommended advice