Parrot insurance (Cleos Welt)
Structured fact sheet for the Parrot 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
- Parrot 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/papagei-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 "birds" 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, specifically relevant for birds (B.7.2 a): surgeries resulting from egg binding – including associated diagnostics and pre- and post-treatment.
- The other special conditions (otitis, malocclusion, B.7.2 b/c) are primarily relevant for mammals and generally do not apply to parrots.
- Additionally co-insured (B.7.3): supplementary feed, dietary feed and vitamin supplements administered as an inpatient following 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 (relevant for parrots e.g. for feather plucking/behavioural disorders – not named specifically as grounds for exclusion in the policy conditions (AVB), but only co-insured if agreed); castration/sterilisation; physiotherapy/osteopathy/alternative-practitioner services (12 weeks); veterinary emergency service.
- Supplementary dental cover (B.7.5): concerns dental work and does not apply to birds; instead, what is relevant for parrots is the beak trimming already included in the base cover (listed under B.7.5 c "tooth and beak trimming", provided supplementary dental cover is agreed), as well as the general exclusions for purely cosmetic/preventive procedures (B.8.8 a).
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 parrots (per the product page, as of July 2026):
- Basis: from €10.49/month, up to €3,000 reimbursement per year, 3x GOT rate.
- Standard: from €17.49/month, up to €5,000 reimbursement per year, 3x GOT rate.
- Rundum: from €20.99/month, unlimited reimbursement per year, 4x GOT rate, including a €200 annual preventive-care budget.
- Deductible per the product page: €0 across all three tariffs.
- Per the product page, all tariffs include beak treatment and egg binding at no extra cost.
- 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: dental/beak work 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; examinations/treatments of young animals after birth/hatching; castration/sterilisation (unless separately agreed); chip identification.
- The vaccination exclusions named in the policy conditions (AVB) (distemper/rabies in ferrets, myxomatosis/RHD in rabbits, B.8.8 n) concern mammals and do not apply to parrots.
- 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 egg binding 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 egg binding 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; 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.