Exotic animal liability insurance (Cleos Welt)
Structured fact sheet for the Exotic animal liability insurance by Cleos Welt. It is based on the provider's product page linked below and the contract documents published there (IPID/policy conditions); nextsure brokers the sign-up directly with the provider.
- Product
- Exotic animal liability insurance (Cleos Welt)
- Provider
- Cleos Welt (cleos.de)
- Product page at nextsure
- Exotic animal liability insurance: tariffs and sign-up
- Source
- https://www.cleos.de/produkt/tierhalterhaftpflichtversicherung-exoten (the provider's product page; it links to the product information document (IPID), policy conditions, and other documents. Accessed: 23 Jul 2026)
All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.
What is covered?
- Liability insurance for keepers of unusual/exotic animal species (e.g., snakes, spiders).
- Sum insured for personal injury, property damage, and financial loss: up to €10 million.
- Allowance for newly added risks: €5 million.
- Costs for search, rescue, or recovery operations: €1.5 million (e.g., capturing escaped animals).
- Meets the requirements of the Gifttiergesetz (Venomous Animals Act) (per the page, explicitly: all requirements of the compulsory insurance under the Gifttiergesetz in North Rhine-Westphalia – the minimum sum insured for venomous animals there, €1 million, is included).
- Participation in events (e.g., trade fairs) is included.
- Commercial use up to annual revenue of €22,000 is included (e.g., lessons/training, breeding young animals, tours/hikes with the animals).
- Young animals are included up to 12 months of age.
- Damage to rented property: to rooms in buildings up to €300,000; to furnishings in holiday accommodation (e.g., holiday apartment/house, hotel room) up to €5,000; to other rented, borrowed, leased, or hired movable items up to €2,500.
- Damage to fields/crops (Flurschäden) is included.
- Update guarantee: free improvements are automatically included.
- Grandfathering guarantee: no deterioration compared to the previous contract is guaranteed.
- Animals that can be insured (per the product page):
- Spiders, scorpions, centipedes
- Fish, frogs, corals, cephalopods
- Snakes, monitor lizards, chameleons
- Wild birds, parrots, peafowl
- Alpacas, llamas, camels, dromedaries, wild goats, wild sheep, (mini) donkeys and pigs
- Wild cat breeds (only Savannah or Bengal)
- Other animal species "also available on request"
Which tariffs and sums are available?
- Personal injury/property damage/financial loss: €10 million
- Newly added risks: €5 million
- Search/rescue/recovery operations: €1.5 million
- For "smaller" animals (snakes, spiders, frogs, birds): up to 200 animals can be insured.
- For "larger" animals (alpacas, donkeys, wild goats, sheep, cats): a maximum of 5 animals can be insured; for herds of more than 5 animals, Cleos Welt recommends a separate commercial/business liability insurance (not covered by this product).
What is not covered?
- Animals subject to a keeping ban – damage caused by these animals is excluded (no cover despite insurance).
- Herds of more than 5 "larger" animals (see above) – currently cannot be covered.
- Per the FAQ, depending on the personal liability policy, additional restrictions may apply to wild animals or animals above a certain weight/size; venomous animals may be excluded there regardless of toxicity level (note only – not a statement about exclusions of this Cleos Welt product itself).
- No general IPID exclusion list (war, intent, etc.) is included in the document – unlike the two official IPIDs.
Which deductibles and waiting periods apply?
- No information given in the document.
What else is important?
- Proof for authorities is provided directly after the contract is concluded; for special official documents, contact support@cleos.de.
- Examples of claims per the FAQ: an escaped venomous spider (search costs), a snake bite during a teaching demonstration (personal injury), a kick from an alpaca during a hike (personal injury), a scratch injury caused by a Bengal cat (property damage).
- Alpacas/donkeys and similar animals can sometimes also be insured under a horse owner's liability policy (usually only after consultation, noted in the policy); the liability risk for horses is generally higher/more expensive than for alpacas/donkeys.
Which test seals and ratings are there?
- Google rating (per the product page, as of July 2026): 4.5 out of 5 (210 reviews). An earlier version of the document (11 Jun 2026) stated a different figure of 4.6 out of 5 (189 reviews) plus a Trustpilot rating of 4.3 out of 5 (343 reviews); the product page currently shows only the Google rating, and the more recent figure is preferred here.
- Certificates/seals on the product page: TÜV test mark, FAZ Kaufkompass, Deine Tierwelt, Procontra.
All details are taken from the provider's product page linked as the source above and the contract documents linked there; the insurer's documents prevail. Last reviewed: 23 July 2026. Overview: Facts about nextsure.