Best protection for your pet

Comprehensive health protection for dogs, cats, and other pets. Discover now the tailored pet insurance from nextsure and ensure your furry companion receives the best medical care – simple and digital.

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Quick Reimbursement
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Cleos Welt

For dogs

Dog health insurance

Combined health and surgery cover for dogs, reimbursing vet costs up to the agreed maximum veterinary fee schedule (GOT) rate.

Reimbursement:: up to the agreed maximum GOT rate
Coverage abroad:: 12 months
Notice period:: 14 days before the end of the month

Treatment for illness and accidents
Surgery, including pre-surgical diagnostic examinations
Pre- and post-treatment following a covered surgery
Lab work and imaging diagnostics, plus medically necessary medication
Coverage abroad: 12 months

Key exclusions

Treatments and surgeries already known or recommended before the policy started
Illnesses occurring before the waiting period ends
War, earthquakes, floods, epidemics, and pandemics
Damage caused intentionally

CHECK24 Tarifnote 1,0 „exzellent“
Cleos Welt Hundekrankenversicherung
FOCUS MONEY: Beste Tierkrankenversicherung (Premiumtarif), Ausgabe 14/2026
Cleos Welt Hundekrankenversicherung
ASCORE „Tarif des Monats“ 08/2025
Cleos Welt Tierkranken Hund, Rundum Plus Schutz inkl. Vorsorge & SOS-Schutz
CHECK24 Tarifnote 1,0 „exzellent“
Cleos Welt Hunde-OP-Schutz (Rundum Plus inkl. SOS-Schutz)
„Kundenfavorit“: über 50.000 geschützte Haustiere
Cleos Welt Tierversicherungen (Tierkranken Hund)
Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)
Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Contract term at least 1 year with automatic renewal; sum insured and deductible (Selbstbeteiligung) as stated in the policy. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

Cleos Welt

For cats

Cat health insurance

Combined health and surgery cover for cats, reimbursing vet costs up to the agreed maximum veterinary fee schedule (GOT) rate.

Reimbursement:: up to the agreed maximum GOT rate
Coverage abroad:: 12 months
Notice period:: 14 days before the end of the month

Treatment for illness and accidents
Surgery, including pre-surgical diagnostic examinations
Pre- and post-treatment following a covered surgery
Lab work and imaging diagnostics, plus medically necessary medication
Coverage abroad: 12 months

Key exclusions

Treatments and surgeries already known or recommended before the policy started
Illnesses occurring before the waiting period ends
War, earthquakes, floods, epidemics, and pandemics
Damage caused intentionally

CHECK24 Tarifnote 1,0 „exzellent“
Cleos Welt Katzenkrankenversicherung, Tarif Rundum Plus
CHECK24 Tarifnote 1,0 „exzellent“
Cleos Welt Katzen-OP-Schutz (Rundum Plus inkl. SOS-Schutz)
Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)
Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Contract term at least 1 year with automatic renewal; sum insured and deductible (Selbstbeteiligung) as stated in the policy. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

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.

Why Pet Insurance is Essential

Protection against high veterinary costs
Best medical care
Free choice of veterinarian often included.
Financial security in an emergency

Finding the Right Pet Insurance: What You Should Consider

Selecting the right pet insurance requires careful consideration. Analyse the coverage options (surgical protection vs. full cover), the deductible amount, reimbursement limits, and waiting periods. Consider your pet's age, breed, and specific needs. nextsure helps you transparently compare tariffs for dog insurance or cat insurance, including preventive care benefits and optimal surgical cost protection, to identify the best pet insurance for your beloved companion.^[1]

Your pet optimally cared for

Therapy

Outpatient and inpatient veterinary costs covered.

Vorsorge Plus

Grants for vaccinations, deworming, and check-ups.

Dental health

Protection during dental treatments and prophylaxis.

Free Choice

Decide for yourself which veterinarian will treat your animal.

Rasse-Tarife

Specific rates for the needs of your animal breed.

Costs of Pet Health Insurance: A Transparent Overview

The costs of pet health insurance are determined by the type of animal, breed, age, health condition, scope of services, and deductible. Comprehensive coverage is more expensive than a surgery-only plan. Use a pet health insurance calculator for an initial estimate of contributions. Compare not only the price of dog insurance or cat insurance but the overall price-performance ratio. Early coverage with nextsure protects against high, unexpected veterinary costs and offers long-term financial predictability.^[2]

Pet Health Insurance: Optimal Protection for Your Loyal Companion

For dogs as family members, a specialised pet health insurance is essential. It covers costs for surgeries (dog surgery insurance), treatments, diagnostics, and medications, often including breed-specific risks. Pay attention to additional services such as physiotherapy or dental treatments. A comparison of dog insurance with nextsure shows you plans tailored to your dog's needs, from typical canine illnesses to preventive care, ensuring the best medical treatment.

Cat Health Insurance: Insure Your Feline Friends Worry-Free

A cat health insurance protects against high veterinary costs in case of illness or accident of your furry friend. Whether outdoor or indoor cat, risks such as injuries, kidney problems, or dental issues (e.g., FORL) are covered. Good coverage includes surgery costs (cat surgery insurance), medical treatments, and diagnostics. Preventive services and dental treatments are important tariff components. Nextsure enables the comparison of cat insurance policies, taking into account deductibles and reimbursement rates for optimal protection.

Pet insurance for other animals: rabbits, horses & co.

In addition to dogs and cats, rabbits, guinea pigs, birds, or horses also need adequate insurance. There are special policies for small animals that cover surgery costs and basic treatments. Horse health insurance is particularly important due to potentially very high veterinary costs (e.g. colic surgery) and offers comprehensive options. nextsure helps to find individual insurance solutions and suitable policies for exotics or specific animal species like parrots, ensuring unexpected veterinary costs for every pet are covered.

Services in Detail: What Does Pet Health Insurance Cover?

A pet health insurance policy covers different services depending on the plan. The basis is often surgical protection for operations. Full coverage includes outpatient/inpatient treatments, diagnostics, and medication. Many plans offer preventive care budgets for vaccinations or deworming treatments. Additional services may include dental treatments, overseas protection, physiotherapy, or alternative healing methods. Pay attention to reimbursement rates (GOT) and maximum limits. nextsure transparently presents services so that you know what your pet insurance pays.

Pet insurance in case of damage: It's so easy with nextsure

In the event of a claim, a straightforward process is essential. For pet insurance policies completed through nextsure, submit the veterinary bill digitally via the customer portal or app. If necessary, attach operation reports or diagnoses. After review, reimbursement is made promptly in accordance with the contract conditions (deductible, reimbursement rate). Many insurers offer direct billing with the veterinary clinic. Our nextsure claims process is designed for quick assistance and easy submission of veterinary bills.

Pet Insurance and Pet Owner Liability Insurance: A Strong Duo

Pet health insurance and liability insurance for pet owners are two essential protections. The health insurance covers veterinary costs for your pet. The liability insurance for pet owners (often called dog liability insurance) comes into play if your pet causes damage to third parties (personal injury, property damage, financial loss). The difference lies in the object of protection: the health of the pet versus protection against third-party claims. A combined pet insurance policy for both types of coverage, as comparable through nextsure, offers comprehensive protection and is indispensable for responsible owners.

From what age can I insure my pet?

Pet insurance is also available for older animals or those with pre-existing conditions, often with adjusted terms. There are special rates for senior animals. When applying, health questions are asked; known conditions may be excluded or insured with an extra charge. New, unrelated illnesses or accidents are usually covered. Providing honest information is fundamental. Nextsure helps to find a suitable solution for pet insurance for an older animal or existing diagnoses and to make the health check transparent.

Frequently Asked Questions

You can typically insure your pet from the 8th week of its life. An early policy is often advantageous as the premiums are usually lower and there are no pre-existing conditions. For older animals, there are often restrictions on acceptance or higher premiums. nextsure provides transparent information on the specific age limits of each policy.

Sources

[1]Cleos Welt – Hundekrankenversicherung (Für Hunde): Produkt- und Tarifinformationen(Risikoträger: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.)
[2]Cleos Welt – Katzenkrankenversicherung (Für Katzen): Produkt- und Tarifinformationen(Risikoträger: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.)

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