Guinea pig insurance (Cleos Welt)
Structured fact sheet for the Guinea pig 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
- Guinea pig insurance (Cleos Welt)
- Provider
- Cleos Welt (cleos.de) – broker: Cleo & You GmbH, Elbberg 6, 22767 Hamburg (insurance agent under § 34d para. 1 sentence 2 no. 1 of the German Trade, Commerce and Industry Regulation Act, GewO), support@cleos.de
- Risk carrier
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G., Veerßer Straße 65/67, 29525 Uelzen
- Source
- https://www.cleos.de/produkt/meerschweinchen-versicherung (provider's product page; the insurance product information document (IPID), policy conditions and further documents are linked there. Accessed: 23.07.2026)
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?
- Pet health insurance for the animal named in the policy – protects against the financial consequences of medical costs resulting from an insured event; applies to the species "small mammals" under B.2.
- Insured event (B.7.1): surgeries including preparatory examination/diagnosis, medical treatments and follow-up treatments – reimbursed up to the agreed GOT maximum rate. Additionally: medication (except agents against endo-/ectoparasites) as well as accommodation/boarding costs during clinic stays.
- Special condition with its own (6-month) waiting period, practically relevant for guinea pigs (B.7.2 c): surgeries resulting from malocclusion (misalignment of the jaw or of one or more teeth) – for rodents such as guinea pigs, one of the most common reasons for surgery, due to their lifelong tooth growth.
- Egg binding (B.7.2 a) affects female birds/reptiles and is not relevant for guinea pigs; otitis (B.7.2 b) can occur across species.
- Additionally co-insured (B.7.3): supplementary feed, dietary feed and vitamin supplements administered as an inpatient following an insured treatment/surgery; tele-diagnostics/tele-consultation by a vet; medical treatments/surgeries arising from illnesses or congenital malformations not known before the contract began (after a 6-month waiting period).
- Optional if agreed (B.7.4): vaccinations and parasite treatments; preventive blood checks; behavioural therapy; castration/sterilisation; physiotherapy/osteopathy/alternative-practitioner services (12 weeks); veterinary emergency service.
- Supplementary dental cover, if agreed (B.7.5): tooth extractions, fillings, dentures, tooth corrections, preventive cleanings/tartar removal/tooth polishing and tooth trimming – particularly relevant for guinea pigs due to their continuous tooth growth, supplementing the malocclusion surgery already included in the base cover (B.7.2 c).
Which tariffs and sums are available?
- Policy conditions: TKKT-02-2506, as of 06.2025 – identical for all species insurable under B.2 (small mammals, birds, reptiles).
- Maximum benefit per insurance year is capped at the sum insured individually agreed in the policy (B.3); specific amounts appear only in the policy, not in the policy conditions (AVB).
- Age adjustment (B.10): annual premium increase of 3% from the start of the following insurance year; does not trigger a special right of termination.
- Three tariffs for guinea pigs (per the product page, as of July 2026):
- Basis: from €20.99/month, up to €3,000 reimbursement per year, 3x GOT rate.
- Standard: from €31.49/month, up to €5,000 reimbursement per year, 3x GOT rate.
- Rundum (marked "Popular"): from €34.99/month, unlimited reimbursement per year, 4x GOT rate, per the product page up to 100% cost coverage, €0 deductible.
- Supplementary dental cover (optional add-on, per the product page): from €15.00/month, €500 annually for tooth extractions/corrections plus €200 for dental prophylaxis.
- Per the product page, over 50,000 insured animals ("pet parents") at Cleo.
What is not covered?
- Intentionally caused damage; pre-existing conditions already known before the contract began; benefits within the waiting period.
- Preventive/voluntary examinations unrelated to illness, accident or surgery.
- From exclusion list B.8.8, relevant across species: routine dental work in mammals (tooth extractions, fillings, corrections, dentures, tooth trimming), unless supplementary dental cover is agreed; dental work performed to maintain breed/show standards (cosmetic); treatments performed by the policyholder themselves or family members; travel, waiting, visiting and transport costs; pregnancy examinations and breeding-hygiene measures; castration/sterilisation (unless separately agreed); chip identification.
- The vaccination exclusions named in the policy conditions (AVB) (distemper/rabies in ferrets, myxomatosis/RHD in rabbits; Encephalitozoon cuniculi in rabbits, B.8.8 n/u) do not apply to guinea pigs.
- Cover restrictions include: war, earthquake and flood, epidemics and pandemics.
Which deductibles and waiting periods apply?
- Deductible (B.4): if agreed, per the policy, deducted per invoice submission (calendar day).
- General waiting period (B.6.1): 30 days from the start of cover.
- Waiting period for malocclusion as a special condition (B.6.2): 6 months from the start of cover, including associated diagnostics and pre-/post-treatment.
- No waiting period (B.6.3): accidents – except special conditions/surgeries and congenital malformations, which remain subject to the waiting period.
- Prior insurance (B.6.4): the term of an immediately preceding contract with comparable cover is credited toward the waiting period.
What else is important?
- Territorial scope (B.9): Federal Republic of Germany; abroad, a maximum of 12 months' cover to the extent of German GOT rates.
- Obligations (C): carry out vet-recommended vaccination and preventive measures (the illnesses named as examples in the policy conditions (AVB) – distemper/rabies/myxomatosis/RHD – concern ferrets/rabbits, not guinea pigs); species-appropriate husbandry (appropriate to the species and its behaviour, including housing, temperature, and rest periods depending on species).
- Termination: 14 days' notice to the end of the month by the policyholder, 3 months by the insurer at contract expiry; automatic renewal for one year without timely termination once the contract has run for at least 1 year.
- Premium payment: due immediately after cover starts; monthly, quarterly, semi-annual or annual payment possible, generally by direct debit.
Which test seals and ratings are there?
- Shown on the product page: 4.5 out of 5 stars from 210 reviews (Google).
- Displayed awards/badges: TÜV certificate, Focus Money, FAZ Kaufkompass, "Customer favourite" ("Kundenfavorit").
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.