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* The premium amount is based on the animal's age at the start of the policy and the desired scope of coverage, and is subsequently adjusted only in line with changes in the consumer price index.

Why dog insurance?

Assumption of up to 80% of veterinary costs

We cover the majority of the costs for
diagnostics, medical treatment & medication

Animal accident insurance

Assumption of treatment &
surgery costs due to an accident

Additional pet health insurance

Cost coverage of treatments &
operations even if the animal is ill

Free choice of veterinarians

Choice of veterinarians within Austria
but also in Europe with the "Petplan Plus"

Fast invoice processing

Benefit in many cases from direct
billing with veterinarians

Optional additional modules

Can be extended to include liability & criminal legal
protection or reimbursement of utility costs
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The different types of dog health insurance

Option 1

Accident prevention

Our accident insurance for dogs comes into play if your dog needs to see a vet due to an accident. 80% of veterinary and surgical costs are covered up to the agreed single event limit.

Option 2

Accident/health insurance

With our combination package, you can insure your dog against accidents and illnesses. Here too, 80% of veterinary and surgical costs are covered up to the agreed limit per individual event.

When does dog insurance make sense?

Ideally, you should take out dog health insurance when your dog is still a puppy. After all, a dog can fall ill or have an accident at any time. The associated veterinary costs are usually very high. And the younger your four-legged friend is, the cheaper the annual insurance premium will be.

In addition, a dog can also cause damage to third parties, which can result in high claims for damages. Therefore, it is also worthwhile to take out dog liability insurance as early as possible.

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We will cover these costs

  • 80% der Tierarztkosten aufgrund von Krankheit oder Unfall
  • Diagnose, Heilbehandlung inkl. Operationen & Medikamente
  • Durch Ihren Hund entstandene Haftpflichtschäden sowie Rechtsanwaltskosten, wenn Zusatzpaket gewählt wurde

“Petplan-Plus”:

  • Versorgungskosten des Tieres bei stationärem Aufenthalt des/der Versicherungsnehmer:in
  • Versorgungskosten des Tieres bei Ableben des/der Versicherungsnehmer:in
  • 70% der Tierarztkosten innerhalb Europas

Good to know: Dog liability insurance

Liability insurance for dogs is compulsory in most provinces of Austria. Only Burgenland, Carinthia and Vorarlberg are exceptions.

But is liability insurance for dogs really necessary? Yes! Dogs can quickly cause minor and even major damage to third parties. One moment of rough play and your dog has broken someone's glasses or mobile phone.

Property damage, even amounting to millions, can also happen quickly. For example, if your dog runs across the road and a car swerves to avoid it and crashes into the crash barrier. It is therefore worth taking out liability insurance just in case.

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How much does dog insurance cost?

Allianz dog insurance costs between €206 and €616 per year. The premium depends on the age of the dog when the insurance is taken out, the package selected and the agreed total annual compensation limit. Costs for dog liability insurance may also be added.

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Case study: dog accident insurance:

For 2-year-old Holly, accident insurance was taken out at the age of 3 months for €206 per year. While playing, she injured her paw, and the veterinary costs amounted to €439. Thanks to the accident cover, 80% of the costs were reimbursed. 

The premium amount is based on the animal's age at the start of the policy and the desired scope of coverage, and is subsequently adjusted only in line with changes in the consumer price index.

Case study: Dog health insurance

Four-year-old Bruno has contracted a gastrointestinal virus. Treatment and medication cost almost €400. Thanks to dog health insurance for €339 per year, 80% of the costs were reimbursed. 

The premium amount is based on the animal's age at the start of the policy and the desired scope of coverage, and is subsequently adjusted only in line with changes in the consumer price index.

Case study: Dog liability insurance

Two-year-old Charly runs across the road to her friend. A driver swerves his car, damages five parked vehicles and crashes into an upmarket shop window. As the dog owner, you are liable for damages amounting to EUR 200,000. However, with optional dog liability insurance costing EUR 31 per year, the costs incurred are covered. 

Die Prämienhöhe richtet sich nach dem Einstiegsalter des Tieres und gewünschten Leistungsumfang und wird danach nur um die Veränderungen gemäß dem Verbraucherpreisindex angepasst.
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Petplan Plus: Comprehensive cover

Allianz's Petplan Plus ensures your pet's safety when you are unable to do so. If you are temporarily unable to care for your dog due to hospitalisation, Petplan Plus will cover the costs of caring for your dog. In the event of the death of the dog owner, the costs of caring for the dog will be covered up to a one-off amount of €400.

Petplan Plus also provides cover throughout Europe. If something happens to your pet while you are abroad, 70% of the veterinary costs will be covered. The process is the same as in the UK.

Frequently asked questions about dog insurance

Various types of insurance can be taken out for dogs.

  • Dog health insurance & accident insurance for dogs
  • Dog liability insurance
  • Combination of health, accident and liability insurance

Dog health insurance is not compulsory in Austria. However, depending on the federal state, dog liability insurance is required by law.

Compulsory liability insurance for dogs:

  • Wien
  • Lower Austria
  • Upper Austria
  • Styria
  • Salzburg
  • Tirol

Vaccinations and neutering are not included, dental care only if medically necessary.

No, neutering does not affect the premium for dog insurance.

Yes, dog insurance can be taken out for any healthy dog from the age of 2 months to 6 years.

No, dog insurance cannot be taken out retroactively.

The contract is valid for one year. The insurance relationship is extended by one year each time unless one of the contracting parties gives written notice of termination at least one month before the end of the contract period.

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