Dog owner liability insurance (Cleos Welt)
Structured fact sheet for the Dog owner 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
- Dog owner liability insurance (Cleos Welt)
- Provider
- Cleos Welt (cleos.de) – risk carrier per the IPID: Uelzener Allgemeine Versicherungs-Gesellschaft a.G., Germany
- Product page at nextsure
- Dog owner liability insurance: tariffs and sign-up
- Source
- https://www.cleos.de/produkt/hundehalterhaftpflicht (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?
- Examination of liability claims made against you as a dog owner, settlement of justified claims, and defense against unjustified claims.
- Personal injury, property damage, and financial loss caused by the dog, for which the owner is liable as the animal's keeper, are covered.
- The offering is designed for private dog ownership.
- Per the product page, all dog breeds can be insured.
- Per the product page, full cover also applies without a leash and muzzle.
- Per the product page, puppies of already-insured female dogs are covered free of charge up to 18 months of age.
- In 7 federal states (Bundesländer), dog owner liability insurance is legally mandatory for all dogs; in the remaining federal states, it is mandatory for certain breeds.
- Private dog sitters/friends who temporarily look after the dog are covered.
Which tariffs and prices are available?
The IPID does not name specific sums (it refers to the insurance policy). The product page (per the product page, as of July 2026) lists three tariffs with specific amounts:
| Benefit | Basis | Standard | Rundum |
|---|---|---|---|
| Price from | €4.00/month | €4.00/month | €4.33/month |
| Personal injury/property damage/financial loss | €10 million | €20 million | €30 million |
| Rented-home damage | €300,000 | €500,000 | €5 million |
| Veterinary costs for poisoned bait | €5,000 | €5,000 | €5,000 |
| Emergency care after biting attacks | €2,500 | €2,500 | €2,500 |
| Recovery/rescue costs | €2,500 | €2,500 | €2,500 |
| Burial costs | €500 | €500 | €500 |
| Rental damage while on holiday/in a hotel | €5,000 | €7,500 | €30,000 |
| New-for-old replacement | €2,500 | €5,000 | €5,000 |
| Automatic cover for new risks | €5 million | €5 million | €10 million |
What is not covered?
- Certain breeds classified as dangerous dogs are not insured.
- Dogs kept for commercial, agricultural, or hunting purposes – these require a separate dog owner liability policy.
- Claims between co-insured persons.
- Flooding.
- Illnesses.
- Damage caused intentionally.
Which deductibles and waiting periods apply?
- Not stated in the IPID (no mention of a deductible or waiting period for this product).
What else is important?
- Territorial scope: worldwide, except the USA, U.S. territories, and Canada; cover also applies during temporary stays abroad (e.g., holidays).
- Obligations: truthful/complete information when applying; timely premium payment; reporting changes in risk (e.g., an additional animal); notifying any claim within one week; providing full information in the event of a claim; duty to mitigate loss and to assist with claims handling.
- Termination: in writing (text form), with proper notice, at the end of the agreed term; special termination rights apply, e.g., after a settled claim or the definitive cessation of the risk (giving up the dog).
- Premium payment: due promptly after the contract is concluded (not before cover begins); monthly, quarterly, semi-annual, or annual payment is possible, usually by direct debit.
- Contract term: for terms of at least 1 year, the contract automatically renews for a further year unless terminated with proper notice.
Which test seals and ratings are there?
- Google rating (per the product page, as of July 2026): 4.5 out of 5 (210 reviews).
- "Customer favorite" award on the product page.
- Additional certificates/seals: FAZ Kaufkompass, Deine Tierwelt, Procontra, TÜV test mark (certified online portal).
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.