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Small pet insurance for rabbits, guinea pigs, birds and reptiles

Small pet insurance for rabbits, guinea pigs, parrots and reptiles: Cleos Welt from 6.99 EUR a month, up to 4x the GOT rate, no waiting period for accidents.

  • From 6.99 EUR a month, 0 EUR deductible
  • Up to 4 times the GOT rate, unlimited in the Rundum tariff
  • Accidents without a waiting period, cancel monthly
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Small pet insurance for rabbits, guinea pigs, birds and reptiles

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All small pets

Small pet health insurance

Health insurance for small mammals, birds and reptiles in three tariffs: surgery, treatment, diagnostics and medication up to 3 or 4 times the GOT rate.

Premium:
from 6.99 EUR a month
Annual benefit:
3,000 EUR, 5,000 EUR or unlimited
GOT rate:
3 times, Rundum 4 times
Deductible:
0 EUR
Waiting period:
30 days, 6 months for specific surgeries
Cover abroad:
up to 12 months
  • Surgery, treatment and after-care up to the agreed maximum GOT rate
  • Laboratory and imaging diagnostics, medication, boarding and feeding in the clinic
  • Specific surgeries (egg binding, otitis, malocclusion) after a 6-month waiting period
  • Remote diagnostics and consultation with a veterinarian
  • Rundum tariff: unlimited annual benefit, 4 times the GOT rate, 200 EUR preventive-care budget
  • Accidents without a waiting period, previous insurance counts towards it
Key exclusions
  • Pre-existing conditions and treatments begun or recommended before the policy started
  • Preventive care, vaccinations and parasite products unless agreed as an add-on
  • Neutering/spaying without a separate agreement
  • Routine dental work in mammals without the dental add-on
  • Travel and transport costs, reports, and the emergency fee when no operation follows
  • Epidemics, pandemics, war, earthquake and flood

  • Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)

    Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Annual age adjustment of 3% of the premium; cancel monthly with 14 days' notice; sum insured and deductible as stated in the policy. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

Cleos Welt logoCleos Welt

For rabbits

Rabbit insurance

The same small pet health insurance with rabbit premiums and the dental add-on that makes the difference for teeth that grow for life.

Premium:
from 34.99 EUR a month
Rundum:
from 62.99 EUR a month
Dental add-on:
from 20.00 EUR a month
Deductible:
0 EUR
Waiting period:
30 days, malocclusion 6 months
  • Malocclusion surgery (tooth misalignment) covered after a 6-month waiting period
  • Dental add-on from 20 EUR a month: 500 EUR tooth extractions and corrections plus 200 EUR dental prevention a year
  • Rundum: unlimited annual benefit, 4 times the GOT rate, 200 EUR preventive-care budget
  • Myxomatosis and RHD covered if vaccination is proven by an international vaccination certificate
  • E. cuniculi covered if a negative test from no more than one year before the start of cover exists
  • Accidents without a waiting period, cancel monthly with 14 days' notice
Key exclusions
  • Myxomatosis/RHD without proof of vaccination in the international vaccination certificate
  • Damage from Encephalitozoon cuniculi without a negative test that is at most one year old
  • Tooth trimming, extractions and dental prevention without the dental add-on
  • Neutering/spaying without a separate agreement
  • Pre-existing conditions and treatment during the waiting period

  • Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)

    Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Husbandry duty under the terms: rabbits per section 35 of the German animal welfare livestock husbandry ordinance. Annual age adjustment of 3%. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

Cleos Welt logoCleos Welt

For parrots and birds

Parrot insurance

The same small pet health insurance with bird premiums: egg binding and beak treatment are the cases that matter for parrots.

Premium:
from 10.49 EUR a month
Rundum:
from 20.99 EUR a month
Deductible:
0 EUR
Waiting period:
30 days, egg binding 6 months
  • Egg-binding surgery with diagnostics and after-care covered after a 6-month waiting period
  • Beak treatment included in all tariffs according to the product page
  • Treatment, diagnostics and medication up to the agreed GOT rate
  • Rundum: unlimited annual benefit, 4 times the GOT rate, 200 EUR preventive-care budget
  • Accidents without a waiting period, cover abroad up to 12 months
  • Also insurable for finches, chickens and pigeons as well as reptiles
Key exclusions
  • Cosmetic beak and tooth trimming to breed or show standard
  • Examination and treatment of young animals after hatching
  • Preventive care, vaccinations and parasite products unless agreed as an add-on
  • Pre-existing conditions and treatment during the waiting period

  • Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)

    Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Species-appropriate husbandry (housing, temperature, rest periods) is a policyholder duty. Annual age adjustment of 3%. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

Cleos Welt Small pet health insurance: Monthly premium by species and tariff (product pages, as of July 2026)

SpeciesBasis (up to 3,000 EUR/year, 3x GOT rate)Standard (up to 5,000 EUR/year, 3x GOT rate)Rundum (unlimited, 4x GOT rate)
Cheapest speciesfrom 6.99 EURfrom 13.99 EURfrom 17.49 EUR
Parrotfrom 10.49 EURfrom 17.49 EURfrom 20.99 EUR
Guinea pigfrom 20.99 EURfrom 31.49 EURfrom 34.99 EUR
Rabbitfrom 34.99 EURfrom 48.99 EURfrom 62.99 EUR

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 small pet insurance covers

Small pet insurance is health insurance for small mammals, birds and reptiles. It reimburses the veterinary costs that follow an illness or an accident: surgery including the preparatory examination, treatment, laboratory and imaging diagnostics such as X-ray or ultrasound, after-care, medically necessary medication, and boarding and feeding during a clinic stay. Bills are reimbursed up to the rate of the German veterinary fee schedule (GOT) agreed in the policy and up to the agreed annual maximum.

Cleos Welt sells the product as small pet health insurance. The product information sheet also describes a surgery-only variant that pays for operations with their pre- and after-care but not for treatment or diagnostics without surgery. For small pets the health cover is the more sensible choice, because the typical cases (tooth corrections, bladder stones, respiratory disease, egg binding) often need no classic operation and still get expensive. If you want to insure a dog or a cat, see dog health insurance and cat health insurance.[1]

Which animals can be insured

Small mammals

Rabbits, guinea pigs, hamsters, rats, mice, ferrets, chinchillas and degus. For rabbits, guinea pigs and ferrets Cleos Welt runs dedicated product pages with species-specific premiums.

Birds

Parrots, finches, chickens and pigeons. For birds, egg binding is covered as a specific condition, and beak treatment is included in all tariffs according to the product page.

Reptiles

Tortoises and turtles, geckos, chameleons, monitor lizards, agamas and snakes. Here the contract requires species-appropriate husbandry, for instance temperature and hibernation, as a duty of the policyholder.

The audience is large: according to the pet study by ZZF and IVH, around 4.4 million small animals such as rabbits, guinea pigs, hamsters and mice lived in 5 percent of German households in 2025, plus 3.3 million ornamental birds in 3 percent and 1.0 million terrariums in 2 percent of households. Even so, only a few insurers offer health cover for these animals at all.

What vet visits cost for small pets

The revised German veterinary fee schedule (GOT) has applied since 22 November 2022. It sets a range from the single to the triple rate, which the practice uses depending on the medical effort; in emergency service up to four times the rate is permitted. For small pets this means: a dental check with correction of the cheek teeth under sedation costs between 150 and 300 EUR for guinea pigs and rabbits, a bladder stone operation including anaesthesia, diagnostics and after-care 400 to 800 EUR, and a general anaesthetic with inhalation and monitoring adds 80 to 150 EUR.

Set these amounts against the premium: the cheapest Cleos Welt small pet tariff costs 6.99 EUR a month, just under 84 EUR a year. A single tooth correction can cost several times that, and in rabbits and guinea pigs the procedure often repeats because their teeth keep growing for life. Precisely because a single animal costs little to buy, a four-figure vet bill often catches owners unprepared.[2]

The three Cleos Welt tariffs compared

Basis

From 6.99 EUR a month: up to 3,000 EUR reimbursement per insurance year, billing up to 3 times the GOT rate, 0 EUR deductible.

Standard

From 13.99 EUR a month: up to 5,000 EUR reimbursement per insurance year, billing up to 3 times the GOT rate, 0 EUR deductible.

Rundum

From 17.49 EUR a month: unlimited reimbursement per insurance year, billing up to 4 times the GOT rate, 0 EUR deductible, plus an annual preventive-care budget of 200 EUR.

The entry prices apply to the cheapest species. Depending on the animal the premium is considerably higher: for parrots the product page quotes 10.49, 17.49 and 20.99 EUR, for guinea pigs 20.99, 31.49 and 34.99 EUR and for rabbits 34.99, 48.99 and 62.99 EUR a month (Basis, Standard, Rundum; as of July 2026). For small mammals a dental add-on can be booked that covers tooth extractions and corrections up to 500 EUR a year and dental prevention up to 200 EUR; it costs from 15 EUR (guinea pigs) or 20 EUR (rabbits) a month. The table in the offer section above compares the premiums by species.

Waiting periods, exclusions and duties

General waiting period

30 days from the start of cover. Treatment for illnesses that occur or become known in this period is not insured.

Specific conditions

6 months waiting period for operations due to egg binding, ear infection (otitis) and tooth misalignment (malocclusion), and for conditions unknown before the contract and congenital malformations. If the condition appears during the waiting period but is treated afterwards, cover applies.

No waiting period

Accidents, for example a fall or a traffic accident, are insured from day one. The 6-month period for specific conditions still applies.

Not insured are pre-existing conditions and all treatments begun or recommended by a vet before the contract, preventive check-ups, vaccinations and parasite products (unless agreed as an add-on), neutering and spaying without a separate agreement, routine dental work in mammals without the dental add-on, travel and transport costs, certificates and reports, microchipping, and the emergency service fee when no operation follows. Consequences of war, earthquake, flood, epidemics and pandemics are excluded as well. As policyholder you take on duties: vet-recommended vaccinations and preventive measures must be carried out, the animals must be kept in a species-appropriate way, and in a claim you must provide complete information and invoices itemised under the GOT. If these duties are breached intentionally the insurer may refuse payment; for gross negligence it may reduce it. Switching does not cost you the waiting period: If a contract with comparable scope was in place immediately before, including with Cleos Welt itself, its term counts towards the waiting period, provided the previous insurer did not cancel.

Especially important for rabbit owners

Rabbit teeth grow for life. If they do not wear evenly, malocclusion develops, and tooth correction under anaesthesia is one of the most common procedures in rabbits. With Cleos Welt the operation for malocclusion is covered as a specific condition after a 6-month waiting period; routine tooth trimming, extractions and dental prevention are covered only by the dental add-on (from 20 EUR a month, 500 EUR for extractions and corrections plus 200 EUR dental prevention a year). What that means in practice is shown in the article rabbit health insurance and dental surgery.

Two exclusions apply to rabbits only. First: examination and treatment of myxomatosis and RHD (rabbit haemorrhagic disease) are insured only if vaccination is proven by an international vaccination certificate. The German standing veterinary vaccination commission (StIKo Vet) classifies both as core vaccinations and recommends an annual booster, for RHD2 every six months in high-risk areas. Second: damage caused by Encephalitozoon cuniculi (E. cuniculi) is insured only if the animal tested negative no more than one year before the start of cover. Having the test done before signing closes that gap. The contract also explicitly requires rabbits to be kept in line with section 35 of the German animal welfare livestock husbandry ordinance (TierSchNutztV).

Especially important for bird and reptile owners

In female birds and reptiles egg binding is the typical emergency: the egg gets stuck in the oviduct or cloaca and has to be removed by a vet, often surgically. This operation including diagnostics and after-care is covered after a 6-month waiting period. Beak treatment is included in all tariffs according to the product page, while purely cosmetic tooth and beak trimming is not reimbursed. For parrots the premium starts at 10.49 EUR a month; which cases really hit owners of a grey parrot or a ball python is described in grey parrot and ball python: health insurance.

For reptiles the contract ties cover to species-appropriate husbandry: housing, temperature, hibernation periods and the number of animals kept together must suit the species. Liability cover for venomous animals or large reptiles is not part of the health insurance; Cleos Welt offers it separately, see exotic pet insurance.

Premium, age adjustment and cancellation

The premium is paid monthly, quarterly, half-yearly or yearly by direct debit. To reflect the animal's increasing age, the premium rises by 3 percent every year; this mechanism is fixed in the contract and does not trigger a special right of cancellation. A further adjustment after a recalculation of claims and cost trends is possible once per calendar year and then entitles you to cancel within one month.

You can cancel monthly with 14 days' notice regardless of the agreed term, in text form or via the customer portal. If the animal dies, the contract ends and the insurer is owed the premium only up to that date. Abroad, cover applies for up to 12 months, reimbursed at most under the German GOT. If Cleos Welt improves the terms without raising the premium, the new terms apply automatically to existing contracts (update guarantee), and if it is unclear whether a claim falls under the previous or the new contract, the insurer pays in advance (advance payment guarantee).

Who is behind the offer

Cleos Welt is the brand of Cleo & You GmbH from Hamburg, which as an insurance agent under section 34d of the German trade regulation act handles sales, contract administration and claims. Risk carrier and insurer is Uelzener Allgemeine Versicherungs-Gesellschaft a.G. from Uelzen, a mutual insurer specialised in animal insurance. Cleos Welt says it insures more than 50,000 animals and is rated 4.5 out of 5 stars on Google from 210 reviews.

The verified details on benefits, exclusions and waiting periods are in the fact sheets small pet insurance, rabbit insurance, guinea pig insurance and parrot insurance. An overview of all pet health insurance is on pet health insurance, and user experiences in the article Cleos Welt small pet insurance tested. nextsure brokers the cover and receives a commission from the provider; the premium is the same as when buying direct.

Frequently Asked Questions

With Cleos Welt the premium starts at 6.99 EUR a month (Basis), 13.99 EUR (Standard) and 17.49 EUR (Rundum). The entry prices apply to the cheapest species; parrots cost from 10.49 EUR, guinea pigs from 20.99 EUR and rabbits from 34.99 EUR a month (as of July 2026).

Small mammals such as rabbits, guinea pigs, hamsters, rats, mice, ferrets, chinchillas and degus, birds such as parrots, finches, chickens and pigeons, and reptiles such as tortoises, geckos, chameleons, monitor lizards, agamas and snakes.

Health cover reimburses surgery, treatment, diagnostics and medication. Surgery-only cover pays for operations with their pre- and after-care only. Cleos Welt offers the health cover for small pets in three tariffs.

30 days from the start of cover. Egg binding, ear infection, tooth misalignment and previously unknown or congenital conditions carry 6 months. Accidents are covered without a waiting period, and the term of a comparable previous contract counts.

The operation for tooth misalignment (malocclusion) is covered after a 6-month waiting period. Routine tooth trimming, extractions and dental prevention are covered by the optional dental add-on with 500 EUR for extractions and corrections plus 200 EUR prevention a year.

Not in the basic cover. The Rundum tariff includes an annual preventive-care budget of 200 EUR, and vaccinations and parasite products can be agreed as an add-on. Independently of that, the contract obliges you to have the vet-recommended vaccinations done.

Myxomatosis and RHD are insured only if vaccination is proven by an international vaccination certificate. Damage caused by Encephalitozoon cuniculi is insured if the rabbit tested negative no more than one year before the start of cover.

All three tariffs can be booked with a 0 EUR deductible according to the product page. If a deductible is agreed in the policy, it is deducted per claim submission, with all invoices submitted on one day counting as one submission.

Basis and Standard reimburse up to 3 times the rate of the German veterinary fee schedule, Rundum up to 4 times. The annual maximum is 3,000 EUR (Basis), 5,000 EUR (Standard) or unlimited (Rundum).

Yes. Regardless of the agreed term the contract can be cancelled monthly with 14 days' notice, for example via the customer portal. After a claim both sides have an additional right of cancellation.

Yes, for stays abroad of up to 12 months. Reimbursement is limited to the German veterinary fee schedule (GOT).

The risk carrier is Uelzener Allgemeine Versicherungs-Gesellschaft a.G. Cleos Welt (Cleo & You GmbH, Hamburg) sells and administers the contract as an insurance agent and handles claims.

Sources

  1. [1]Cleos Welt – Kleintierversicherung (Krankenschutz): Tarife, Tierarten, Bewertung(Risikoträger: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.; Beiträge Stand Juli 2026)
  2. [2]Bundestierärztekammer – Gebührenordnung für Tierärztinnen und Tierärzte (GOT)(Gebührenrahmen vom einfachen bis zum dreifachen Satz, in Kraft seit 22.11.2022)
  3. [3]go4vet – Tierarztkosten Meerschweinchen: Was solltest du einplanen?(Kostenbeispiele Zahnkorrektur, Blasenstein-OP, Narkose)
  4. [4]Cleos Welt – Versicherungsbedingungen Kleintier-Krankenversicherung TKKT-02-2506 (Stand 06.2025)(Leistungsumfang B.7, Ausschlüsse B.8, Wartezeiten B.6, Altersanpassung B.10, Kündigung F)
  5. [5]Cleos Welt – Informationsblatt zu Versicherungsprodukten (IPID) Kleintier-Kranken- und OP-Versicherung(Unterschied Kranken- und OP-Versicherung, Geltungsbereich, Kündigung)
  6. [6]Cleos Welt – Kaninchen-Versicherung: Tarife und Zahnzusatzschutz
  7. [7]Cleos Welt – Papagei-Versicherung: Tarife
  8. [8]Cleos Welt – Meerschweinchen-Versicherung: Tarife und Zahnzusatzschutz
  9. [9]ZZF/IVH – Wie viele Hunde, Katzen, Kleinsäuger und Vögel leben in Deutschland? (Heimtierstudie 2025)(4,4 Mio. Kleintiere in 5 % der Haushalte, 3,3 Mio. Ziervögel, 1,0 Mio. Terrarien)
  10. [10]StIKo Vet (FLI) – Impftabelle Kaninchen: RHD (Hämorrhagische Krankheit der Kaninchen)(Core-Impfungen Myxomatose und RHD, jährliche Auffrischung)
  11. [11]Verivox – Lohnt sich eine Krankenversicherung für Kaninchen & Co?(Einordnung: wenige Anbieter, kaum Tests für Kleintier-Krankenversicherungen)

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Information last updated: July 2026 · Source: provider product information (IPID/policy conditions)