Conclusion: Does dog health insurance make sense?
Visits to the vet can become expensive if the dog becomes ill or injured. The prices quickly rise to several hundred or even thousands of euros. Long-term treatments also cause costs to skyrocket quickly. Not every pet owner has so much money ready in such a short time to pay a large sum. Regular vaccinations, deworming and other minor treatments are comparatively cheap. Highly bred breeds are particularly susceptible to diseases. If your dog is very susceptible to illness, it may be worth taking out dog health insurance.
the Consumer Center is of the opinion that animal health insurance is rarely worthwhile, since mostly only healthy animals are insured. Policies are expensive and not all treatments are paid for. According to the consumer advice center, it can make sense to take out surgery cost insurance. It only jumps in for operations, but is significantly cheaper.