{"id":312,"date":"2026-08-09T14:27:05","date_gmt":"2026-08-09T14:27:05","guid":{"rendered":"http:\/\/insure-germany.local\/?page_id=312"},"modified":"2026-08-17T11:55:38","modified_gmt":"2026-08-17T11:55:38","slug":"pet-insurance-germany","status":"publish","type":"page","link":"https:\/\/insure-germany.com\/de\/services\/pet-insurance-germany\/","title":{"rendered":"Tierversicherung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"312\" class=\"elementor elementor-312\">\n\t\t\t\t<div class=\"elementor-element elementor-element-640f5aca e-flex e-con-boxed e-con e-parent\" data-id=\"640f5aca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2148dea9 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"2148dea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/insure-germany.com\/de\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e206e83 e-flex e-con-boxed e-con e-parent\" data-id=\"6e206e83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-38e6ab9 e-flex e-con-boxed e-con e-child\" data-id=\"38e6ab9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-11d43ae0 e-con-full e-flex e-con e-child\" data-id=\"11d43ae0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-313c6609 elementor-widget elementor-widget-image\" data-id=\"313c6609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"277\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp\" class=\"attachment-large size-large wp-image-403\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp 866w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-300x104.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-768x266.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-18x6.webp 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4593dd47 elementor-widget elementor-widget-text-editor\" data-id=\"4593dd47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Trusted by 100+ expats<\/p><p>across Germany<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-377bbb9a e-con-full e-flex e-con e-child\" data-id=\"377bbb9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6513f36 e-con-full e-flex e-con e-child\" data-id=\"6513f36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b9ceaad elementor-widget elementor-widget-heading\" data-id=\"1b9ceaad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Independent advice for expats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40bf8537 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"40bf8537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.ig-h1-liability { font-family: 'Poppins', sans-serif; font-size: 44px; font-weight: 800; line-height: 1.2; color: #ffff; margin: 0; }\n.ig-h1-liability .acc { color: #F5A015; }\n@media (max-width: 768px) { .ig-h1-liability { font-size: 30px !important; text-align: center; } }\n<\/style>\n<h1 class=\"ig-h1-liability\">Pet insurance Germany \u2014 two different policies, explained <em class=\"acc\" style=\"font-style:normal;\">before<\/em> you choose<\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3eabea32 e-con-full e-flex e-con e-child\" data-id=\"3eabea32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac70129 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"6ac70129\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9f621e elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"a9f621e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#covered\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare dog liability vs. vet cover<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6b9238 elementor-widget elementor-widget-text-editor\" data-id=\"e6b9238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Built with Ai<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d84b080 e-grid e-con-full e-con e-child\" data-id=\"2d84b080\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-299cd30b elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"299cd30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTwo products, one clear answer\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe explain the difference between Tierhalterhaftpflicht and Tierkrankenversicherung before you pick either.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14f7fe8a elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"14f7fe8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRegional rules checked for you\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDog liability requirements vary by German state \u2014 we confirm what applies where you live.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c20f094 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"2c20f094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M144 208c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zM256 32C114.6 32 0 125.1 0 240c0 47.6 19.9 91.2 52.9 126.3C38 405.7 7 439.1 6.5 439.5c-6.6 7-8.4 17.2-4.6 26S14.4 480 24 480c61.5 0 110-25.7 139.1-46.3C192 442.8 223.2 448 256 448c141.4 0 256-93.1 256-208S397.4 32 256 32zm0 368c-26.7 0-53.1-4.1-78.4-12.1l-22.7-7.2-19.5 13.8c-14.3 10.1-33.9 21.4-57.5 29 7.3-12.1 14.4-25.7 19.9-40.2l10.6-28.1-20.6-21.8C69.7 314.1 48 282.2 48 240c0-88.2 93.3-160 208-160s208 71.8 208 160-93.3 160-208 160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhole-market comparison\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe compare providers across the market, not just one insurer's pet products.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10b997d1 e-flex e-con-boxed e-con e-parent\" data-id=\"10b997d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab7adea e-con-full e-flex e-con e-child\" data-id=\"ab7adea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6051e94e elementor-widget elementor-widget-image\" data-id=\"6051e94e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1229\" height=\"819\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover.webp\" class=\"attachment-full size-full wp-image-1146\" alt=\"Pet insurance Germany for dog and cat owners \u2013 Tierhalterhaftpflicht and Tierkrankenversicherung explained for expats\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover.webp 1229w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover-1024x682.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-cat-cover-18x12.webp 18w\" sizes=\"(max-width: 1229px) 100vw, 1229px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51c30ce5 elementor-widget elementor-widget-text-editor\" data-id=\"51c30ce5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f78a256 e-con-full e-flex e-con e-child\" data-id=\"6f78a256\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a7ecc93 elementor-widget elementor-widget-heading\" data-id=\"5a7ecc93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The basics<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c876f13 elementor-widget elementor-widget-heading\" data-id=\"2c876f13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does pet insurance in Germany actually cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ead7f38 elementor-widget elementor-widget-text-editor\" data-id=\"3ead7f38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pet insurance Germany isn&#8217;t one product \u2014 it&#8217;s two. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Tierhalterhaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Tierhalterhaftpflicht (dog liability insurance Germany)<\/a> covers damage your dog causes to other people or their property. Tierkrankenversicherung (pet health insurance Germany) covers vet bills instead. Most owners eventually want both, but they solve different problems and are priced very differently.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f18e078 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5f18e078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a0adb61 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7a0adb61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t7 states require dog liability\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBerlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\u00fcringen \u2014 requirements vary by state.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73f0e647 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"73f0e647\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 32C114.6 32 0 125.1 0 240c0 49.6 21.4 95 57 130.7C44.5 421.1 2.7 466 2.2 466.5c-2.2 2.3-2.8 5.7-1.5 8.7S4.8 480 8 480c66.3 0 116-31.8 140.6-51.4 32.7 12.3 69 19.4 107.4 19.4 141.4 0 256-93.1 256-208S397.4 32 256 32zM128 272c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTwo products, one clear decision\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLiability protects others; health cover pays your vet bills \u2014 we help you pick which you actually need.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb1addd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5bb1addd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17caed85 elementor-widget elementor-widget-heading\" data-id=\"17caed85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">New to Germany and unsure if your pet needs cover?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50331136 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"50331136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">BOOK YOUR FREE CONSULTATION<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6e3a2d e-flex e-con-boxed e-con e-parent\" data-id=\"f6e3a2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1545ed elementor-widget elementor-widget-heading\" data-id=\"b1545ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Trusted by expats<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bf5dbd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"11bf5dbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expats trust us for pet insurance Germany advice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42981cac elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"42981cac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Real feedback from expats who understood the difference between dog liability and vet cover before choosing \u2014 and picked what actually suited their pet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d17c69d elementor-widget elementor-widget-shortcode\" data-id=\"3d17c69d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ti-widget ti-wp-testimonial-1 ti-no-logo\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"light-background\" data-pid=\"\" data-language=\"de\" data-close-locale=\"Schlie\u00dfen\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"readmore\" data-reply-by-locale=\"Antwort des Eigent\u00fcmers\" data-only-rating-locale=\"Dieser Nutzer hat lediglich eine Bewertung abgegeben.\" data-pager-autoplay-timeout=\"6\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"N\u00e4chste Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Vorherige Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png 2x\" alt=\"Jan Tuskan profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jan Tuskan <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-s__da5bc0\" data-service-review-title-typography=\"true\">Super Nur gute Erfahrungen gemacht. Super Kundenservice. Netter Mensch und kompetente Beratung<\/pre><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Christin profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Christin <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-xs__da5bc0\" data-service-review-title-typography=\"true\">Kompetente Beratung ohne Schnickschnack<\/pre>\n<p class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_body-l__da5bc0\" data-service-review-text-typography=\"true\">Eigentlich hatte ich mir vorgenommen, hier ein lyrisches Meisterwerk als Rezession zu hinterlassen, aber mit Fakten ist man hier besser bedient \ud83d\ude42\n\nDas Thema Versicherungen war f\u00fcr mich immer eine Blackbox und ich habe es jahrelang vor mir hergeschoben, was nat\u00fcrlich auch nicht zielf\u00fchrend war.\n\nChris konnte viel Licht in den dichten Versicherungsnebel bringen, hat mir alles super geduldig und ausf\u00fchrlich erkl\u00e4rt und mir die bestm\u00f6glichen Versicherungsoptionen angeboten. Kein Schnickschnack, kein unn\u00f6tiger Quatsch.\n\nSuper kompetent, prima Beratung und bei insure-Germany ist man einfach gut aufgehoben. Merci!<\/p><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Anonymous profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Anonymous <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Ehrlich gesagt habe ich fr\u00fcher immer versucht, selbst alle Versicherungsanbieter zu finden und alle auftretenden Probleme zu l\u00f6sen. Needless to say, dass ich mehr als genug Zeit daf\u00fcr verschwendet habe und den Ergebnis war nicht optimal.\nIch bin froh, Kundin von Insure-Germany geworden zu sein, denn das ist einfach ein ganz anderes Niveau.\n\nChris hat mir stets ausf\u00fchrliche Beratungen gegeben und auf all meine Fragen vollst\u00e4ndige Antworten gefunden. Nat\u00fcrlich, \u00fcbt er keinen Druck auf meine Entscheidungen aus und ist einer echter Profi.\n\nIch kann Chris jedem empfehlen, der sicherstellen m\u00f6chte, dass alle seine Versicherungen optimal verwaltet werden (und einfach optimal sind).<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-footer\">  <\/div> <div class=\"ti-footer-filter-text\"><!-- FOOTER FILTER TEXT --><\/div>  <\/div> <\/div> <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eefad4 e-con-full e-flex e-con e-child\" data-id=\"1eefad4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e578783 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2e578783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00a7 34d GewO Licensed insurance broker<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9821c6c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9821c6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">IHK Registered in the German intermediary register<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45ebcda3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"45ebcda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Professional indemnity In place, as required by law<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab74b28 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2ab74b28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">GDPR-compliant Your data is never sold on<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72c234c0 e-flex e-con-boxed e-con e-parent\" data-id=\"72c234c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1378dd93 e-grid e-con-full e-con e-child\" data-id=\"1378dd93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-175b2245 e-con-full e-flex e-con e-child\" data-id=\"175b2245\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-19c15332 e-flex e-con-boxed e-con e-child\" data-id=\"19c15332\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2279e8a4 elementor-widget elementor-widget-text-editor\" data-id=\"2279e8a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10956346 elementor-widget elementor-widget-icon-box\" data-id=\"10956346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tinsure-Germany\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChristian Keller \u00b7 independent broker, Mannheim\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79dd4715 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"79dd4715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent advice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Dog liability &amp; vet cover compared<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ed78e5a e-con-full e-flex e-con e-child\" data-id=\"2ed78e5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4c651a elementor-widget elementor-widget-heading\" data-id=\"4b4c651a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why work with us<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-482841aa elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"482841aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pet cover that matches how the rules actually work<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-539b86cb elementor-widget elementor-widget-text-editor\" data-id=\"539b86cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dog liability insurance Germany is mandatory in some states and not in others \u2014 the rule that applies depends on where you&#8217;re registered. Cat owners are usually already covered through standard personal liability, so a separate policy often isn&#8217;t needed.<\/p><p>Pet health insurance comes with waiting periods, age limits at entry and breed-based pricing \u2014 details that matter more than the headline premium. An independent broker checks both products against your pet, your state and your budget, not just one insurer&#8217;s offer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d1c28a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"11d1c28a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent comparison across dog liability and pet health insurers, not tied to one company<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">State-by-state check of whether dog liability insurance is required where you live<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ongoing support in English, including help with claims and paperwork<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ac67cc1 elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1ac67cc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to an independent broker<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2499a4ba elementor-widget elementor-widget-text-editor\" data-id=\"2499a4ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section aria-labelledby=\"story-title\">\n<div class=\"wrap\">\n<div class=\"tstory\">\n<div class=\"tstory-body\">\n<div class=\"tstory-cta\"><small>Free &amp; no obligation \u00b7 in English or German<\/small><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-212726d6 e-flex e-con-boxed e-con e-parent\" data-id=\"212726d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-71ff5adb e-con-full e-flex e-con e-child\" data-id=\"71ff5adb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6aa6751d e-con-full e-flex e-con e-child\" data-id=\"6aa6751d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-466f2b77 elementor-widget elementor-widget-heading\" data-id=\"466f2b77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure if your dog needs liability cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-688a1d69 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"688a1d69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Get a free, independent check of what&#8217;s required in your state and what&#8217;s worth adding \u2014 it costs you nothing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-505b6863 e-con-full e-flex e-con e-child\" data-id=\"505b6863\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb23c4 elementor-widget elementor-widget-button\" data-id=\"6fb23c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get free advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f4e4c3c e-flex e-con-boxed e-con e-parent\" data-id=\"7f4e4c3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3e50af2d e-con-full e-flex e-con e-child\" data-id=\"3e50af2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-37d4f985 e-con-full e-flex e-con e-child\" data-id=\"37d4f985\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c5690d6 elementor-widget elementor-widget-heading\" data-id=\"4c5690d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The short answer<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63229f2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"63229f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do expats need pet insurance in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63f32d28 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"63f32d28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on the pet and where you live. Dog liability insurance (Tierhalterhaftpflicht) is legally required in several German states \u2014 <a href=\"https:\/\/www.iamexpat.de\/expat-info\/german-insurance\/pet-insurance-germany\" target=\"_blank\" rel=\"noopener\">Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt<\/a>, Schleswig-Holstein and Th\u00fcringen \u2014 though the exact requirements vary. Cats are usually already covered under a standard personal liability policy, so a dedicated pet liability insurance Germany product is rarely necessary for cat owners.<\/p><p>Pet health insurance (Tierkrankenversicherung) is a separate, optional decision \u2014 it covers vet bills under the statutory Geb\u00fchrenordnung f\u00fcr Tier\u00e4rzte (GOT) fee schedule, and comes with waiting periods and age limits at entry.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-567fb7 e-con-full e-flex e-con e-child\" data-id=\"567fb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5d8743 elementor-widget elementor-widget-icon-box\" data-id=\"5b5d8743\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDog liability\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMandatory in 7 German states, recommended everywhere else\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e44ff5c elementor-widget elementor-widget-icon-box\" data-id=\"7e44ff5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPet health\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOptional \u2014 covers vet bills under the GOT fee schedule\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42672a73 elementor-widget elementor-widget-icon-box\" data-id=\"42672a73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCats\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUsually already covered by standard Privathaftpflicht\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-513e20 e-con-full e-flex e-con e-child\" data-id=\"513e20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-401ab5e0 e-grid e-con-full e-con e-child\" data-id=\"401ab5e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44f53de3 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"44f53de3\" data-element_type=\"widget\" data-e-type=\"widget\" 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class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"159\" height=\"94\" viewBox=\"0 0 159 94\" fill=\"none\"><path d=\"M34.4077 93.0908H-0.00142002V-9.15527e-05H34.3622C43.8471 -9.15527e-05 52.0137 1.86355 58.8622 5.59082C65.741 9.28779 71.044 14.6211 74.7713 21.5908C78.4986 28.5302 80.3622 36.8332 80.3622 46.4999C80.3622 56.1969 78.4986 64.5302 74.7713 71.4999C71.0743 78.4696 65.7865 83.8181 58.9077 87.5454C52.0289 91.2423 43.8622 93.0908 34.4077 93.0908ZM22.4986 73.909H33.544C38.7562 73.909 43.1652 73.0302 46.7713 71.2726C50.4077 69.4848 53.1501 66.5908 54.9986 62.5908C56.8774 58.5605 57.8168 53.1969 57.8168 46.4999C57.8168 39.8029 56.8774 34.4696 54.9986 30.4999C53.1198 26.4999 50.3471 23.6211 46.6804 21.8635C43.044 20.0757 38.5592 19.1817 33.2259 19.1817H22.4986V73.909ZM93.4986 93.0908V-9.15527e-05H158.408V18.2726H115.999V37.3635H155.089V55.6817H115.999V74.8181H158.408V93.0908H93.4986Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGerman names\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTierhalterhaftpflicht (dog liability) + Tierkrankenversicherung (pet health)\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71789564 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"71789564\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWho it's for\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDog owners (both products), cat owners (health only), older pets or specific breeds\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e837f17 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2e837f17\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMandatory?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDog liability: yes in BE, HH, NI, SN, ST, SH, TH. Pet health: never mandatory.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2397779e elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2397779e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"79\" height=\"96\" viewBox=\"0 0 79 96\" fill=\"none\"><path d=\"M65.9055 32.9999L61.3146 43.2726H-0.00355101L3.86009 32.9999H65.9055ZM56.951 52.3635L51.7237 62.909H-0.00355101L3.86009 52.3635H56.951ZM78.0874 8.04534L69.8146 25.6363C68.8449 25.0908 67.5722 24.3635 65.9965 23.4544C64.451 22.515 62.6025 21.6817 60.451 20.9544C58.3298 20.2272 55.9207 19.8635 53.2237 19.8635C49.3449 19.8635 46.0116 20.8181 43.2237 22.7272C40.4358 24.6059 38.2843 27.6059 36.7692 31.7272C35.2843 35.8484 34.5419 41.2575 34.5419 47.9544C34.5419 54.712 35.2843 60.1363 36.7692 64.2272C38.2843 68.2878 40.4358 71.2272 43.2237 73.0453C46.0116 74.8635 49.3449 75.7726 53.2237 75.7726C55.8904 75.7726 58.2692 75.4241 60.3601 74.7272C62.4813 74.0302 64.2995 73.2423 65.8146 72.3635C67.3601 71.4544 68.5722 70.6969 69.451 70.0908L77.7692 87.7272C74.4358 90.3635 70.6783 92.3484 66.4965 93.6817C62.3449 94.9847 57.9207 95.6363 53.2237 95.6363C45.1328 95.6363 37.9661 93.7726 31.7237 90.0453C25.5116 86.3181 20.648 80.909 17.1328 73.8181C13.6177 66.6969 11.8601 58.0756 11.8601 47.9544C11.8601 37.8635 13.6177 29.2423 17.1328 22.0908C20.648 14.9393 25.5116 9.46958 31.7237 5.6817C37.9661 1.89382 45.1328 -0.000114441 53.2237 -0.000114441C58.1025 -0.000114441 62.6025 0.696856 66.7237 2.0908C70.8752 3.48473 74.6631 5.46958 78.0874 8.04534Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWaiting period\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPet health: 30 days standard, up to 18\u201324 months for chronic\/hereditary conditions\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f561767 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f561767\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe-africa\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm160 215.5v6.93c0 5.87-3.32 11.24-8.57 13.86l-15.39 7.7a15.485 15.485 0 0 1-15.53-.97l-18.21-12.14a15.52 15.52 0 0 0-13.5-1.81l-2.65.88c-9.7 3.23-13.66 14.79-7.99 23.3l13.24 19.86c2.87 4.31 7.71 6.9 12.89 6.9h8.21c8.56 0 15.5 6.94 15.5 15.5v11.34c0 3.35-1.09 6.62-3.1 9.3l-18.74 24.98c-1.42 1.9-2.39 4.1-2.83 6.43l-4.3 22.83c-.62 3.29-2.29 6.29-4.76 8.56a159.608 159.608 0 0 0-25 29.16l-13.03 19.55a27.756 27.756 0 0 1-23.09 12.36c-10.51 0-20.12-5.94-24.82-15.34a78.902 78.902 0 0 1-8.33-35.29V367.5c0-8.56-6.94-15.5-15.5-15.5h-25.88c-14.49 0-28.38-5.76-38.63-16a54.659 54.659 0 0 1-16-38.63v-14.06c0-17.19 8.1-33.38 21.85-43.7l27.58-20.69a54.663 54.663 0 0 1 32.78-10.93h.89c8.48 0 16.85 1.97 24.43 5.77l14.72 7.36c3.68 1.84 7.93 2.14 11.83.84l47.31-15.77c6.33-2.11 10.6-8.03 10.6-14.7 0-8.56-6.94-15.5-15.5-15.5h-10.09c-4.11 0-8.05-1.63-10.96-4.54l-6.92-6.92a15.493 15.493 0 0 0-10.96-4.54H199.5c-8.56 0-15.5-6.94-15.5-15.5v-4.4c0-7.11 4.84-13.31 11.74-15.04l14.45-3.61c3.74-.94 7-3.23 9.14-6.44l8.08-12.11c2.87-4.31 7.71-6.9 12.89-6.9h24.21c8.56 0 15.5-6.94 15.5-15.5v-21.7C359.23 71.63 422.86 131.02 441.93 208H423.5c-8.56 0-15.5 6.94-15.5 15.5z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVet fees basis\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tGeb\u00fchrenordnung f\u00fcr Tier\u00e4rzte (GOT), reformed 2022 with higher base rates\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12ad222d elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"12ad222d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tKey decision factor\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tState rules for dog liability; pet age and breed for health cover\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a4464e1 e-flex e-con-boxed e-con e-parent\" data-id=\"2a4464e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274131cb elementor-widget elementor-widget-heading\" data-id=\"274131cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Who it's for<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1a9d4c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e1a9d4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who should consider pet insurance in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a51ec7a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a51ec7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pet insurance germany isn&#8217;t a single product \u2014 it splits into two separate policies that cover completely different risks. Tierhalterhaftpflicht (pet liability) pays when your animal damages someone else&#8217;s property or injures another person; Tierkrankenversicherung (pet health) pays your own vet bills. Whether you need one, both or neither depends on the species you own, the state you live in, and your pet&#8217;s age and breed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-252f13b2 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"252f13b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6230\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Dog owners in states where liability is mandatory <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6230\" class=\"elementor-element elementor-element-400a9171 e-con-full e-flex e-con e-child\" data-id=\"400a9171\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79833ddf elementor-widget elementor-widget-text-editor\" data-id=\"79833ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dog liability insurance germany isn&#8217;t a nationwide legal requirement, but it is mandatory in seven states: Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\u00fcringen. Requirements differ by state \u2014 some set minimum sum-insured levels, others tie the obligation to specific breeds or dog registration. If you&#8217;re bringing a dog into Germany or getting one after arrival, check your state&#8217;s rules before assuming <a href=\"https:\/\/de.wikipedia.org\/wiki\/Hundehaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Hundehaftpflicht<\/a> is optional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6231\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cat and small-pet owners <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6231\" class=\"elementor-element elementor-element-26e3ff43 e-con-full e-flex e-con e-child\" data-id=\"26e3ff43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61f3d106 elementor-widget elementor-widget-text-editor\" data-id=\"61f3d106\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cats are treated differently under German liability law. Damage a cat causes to a neighbour&#8217;s property or another person is typically covered under a standard <a href=\"\/services\/liability-insurance-germany\/\">Privathaftpflicht (personal liability) policy<\/a> \u2014 there&#8217;s no dedicated cat liability product to buy on top. What cat owners more commonly consider is health cover: vet treatment for cats follows the same GOT fee schedule as dogs, and a cat insurance germany health policy works the same way \u2014 waiting periods, age limits and self-participation all apply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6232\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6232\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Owners of older pets or specific breeds <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6232\" class=\"elementor-element elementor-element-28c93b8d e-con-full e-flex e-con e-child\" data-id=\"28c93b8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3601e86d elementor-widget elementor-widget-text-editor\" data-id=\"3601e86d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pet health insurance germany providers underwrite on age and breed, not just species. Most insurers cap entry age for dogs at 6\u20138 years, with a handful accepting animals up to 10; older pets are frequently declined outright or offered cover with exclusions. Certain breeds \u2014 often those prone to hereditary conditions \u2014 sit in higher pricing tiers or face additional waiting periods for those conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-457baac2 e-flex e-con-boxed e-con e-parent\" data-id=\"457baac2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-147b4956 elementor-widget elementor-widget-heading\" data-id=\"147b4956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why it matters<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2a94b6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2d2a94b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Two products, two very different risks<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3802ee99 e-grid e-con-full e-con e-child\" data-id=\"3802ee99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4da4bf4a elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4da4bf4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLiability exposure has no upper limit\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf your dog injures a person or damages property, the claim isn't capped by what the animal is worth \u2014 it's capped by what happened. Personal injury claims in particular can run into six figures, which is exactly the exposure Tierhalterhaftpflicht is built to absorb.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b6ceb0a elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7b6ceb0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVet bills follow a fee schedule that changed in 2022\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe Geb\u00fchrenordnung f\u00fcr Tier\u00e4rzte (GOT), reformed in 2022, sets significantly higher base rates for veterinary treatment. A routine emergency visit or surgery can easily reach four figures \u2014 costs a Tierkrankenversicherung is designed to offset.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-500c3743 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"500c3743\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhether liability is mandatory depends on where you live\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDog liability insurance germany requirements aren't federal \u2014 they're set state by state. An expat moving from Bavaria to Berlin can go from 'recommended' to 'legally required' without changing anything about the dog itself.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76256aa0 e-flex e-con-boxed e-con e-parent\" data-id=\"76256aa0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3d45973e e-con-full e-flex e-con e-child\" data-id=\"3d45973e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41134e20 elementor-widget elementor-widget-heading\" data-id=\"41134e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">How to choose<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0c4b4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3b0c4b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Liability, health, or both \u2014 working out what your pet actually needs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4ec9e2 elementor-widget elementor-widget-text-editor\" data-id=\"a4ec9e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Choosing pet insurance in Germany starts with separating the two decisions. Liability cover is about what your pet could do to someone else \u2014 and in seven states, it&#8217;s not optional for dogs. Health cover is about what happens to your pet, and whether you&#8217;re prepared to cover a vet bill under the <a href=\"https:\/\/de.wikipedia.org\/wiki\/Geb%C3%BChrenordnung_f%C3%BCr_Tier%C3%A4rzte\" target=\"_blank\" rel=\"noopener\">reformed GOT fee schedule<\/a> out of pocket. Species matters: dogs face both questions, cats mostly face the health one, since liability is usually folded into standard household liability. <strong>Age and breed narrow the health-insurance field further<\/strong> \u2014 most insurers won&#8217;t take on an older dog or price a higher-risk breed the same as any other.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c79e91d e-con-full e-flex e-con e-child\" data-id=\"2c79e91d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67785cc5 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"67785cc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7 states<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a905d6b elementor-widget elementor-widget-text-editor\" data-id=\"a905d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where dog liability insurance is mandatory. Everywhere else it&#8217;s optional \u2014 but still widely recommended, since dog liability claims aren&#8217;t capped.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22b6d123 e-con-full e-flex e-con e-child\" data-id=\"22b6d123\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a7db315 elementor-widget elementor-widget-heading\" data-id=\"5a7db315\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What to check before signing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4249de1c elementor-widget elementor-widget-text-editor\" data-id=\"4249de1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The details that separate two similar-looking pet policies:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76885d71 e-grid e-con-full e-con e-child\" data-id=\"76885d71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78899e33 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"78899e33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Is dog liability mandatory in your state (BE, HH, NI, SN, ST, SH, TH)?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Does your existing Privathaftpflicht already cover a cat's third-party damage?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your pet's age at the point of applying \u2014 most dog health tariffs cap entry around 6\u20138 years<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Whether your pet's breed sits in a higher pricing tier or faces extra exclusions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8f739c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c8f739c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OP-Versicherung (surgery only) vs. Vollversicherung (full cover)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Standard waiting period (~30 days) plus longer waits (up to 18\u201324 months) for chronic\/hereditary conditions<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Annual coverage cap and Selbstbeteiligung (self-participation), often 10\u201320%<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What's explicitly excluded \u2014 pre-existing conditions, cosmetic procedures, breeding costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1386340f e-flex e-con-boxed e-con e-parent\" data-id=\"1386340f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cda8d75 elementor-widget elementor-widget-text-editor\" data-id=\"2cda8d75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Comparing these details across providers is the actual work \u2014 and it&#8217;s what the free advice is for. As an independent broker, we&#8217;re paid via commission already included in the premium, so working out the right pet insurance germany setup costs you nothing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-193909d0 e-flex e-con-boxed e-con e-parent\" data-id=\"193909d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-693ea140 elementor-widget elementor-widget-menu-anchor\" data-id=\"693ea140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"covered\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bd69fa9 elementor-widget elementor-widget-heading\" data-id=\"1bd69fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What's covered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63c128d9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"63c128d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Tierhalterhaftpflicht and Tierkrankenversicherung actually pay for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-721cbbc9 elementor-widget elementor-widget-text-editor\" data-id=\"721cbbc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The core things a pet insurance policy takes off your plate when a claim arises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26865e85 e-grid e-con-full e-con e-child\" data-id=\"26865e85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3dd98eef e-con-full e-flex e-con e-child\" data-id=\"3dd98eef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-79c6a6dd e-con-full e-flex e-con e-child\" data-id=\"79c6a6dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52b928e3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"52b928e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b4f8ce elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"53b4f8ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-paw\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 224c-79.41 0-192 122.76-192 200.25 0 34.9 26.81 55.75 71.74 55.75 48.84 0 81.09-25.08 120.26-25.08 39.51 0 71.85 25.08 120.26 25.08 44.93 0 71.74-20.85 71.74-55.75C448 346.76 335.41 224 256 224zm-147.28-12.61c-10.4-34.65-42.44-57.09-71.56-50.13-29.12 6.96-44.29 40.69-33.89 75.34 10.4 34.65 42.44 57.09 71.56 50.13 29.12-6.96 44.29-40.69 33.89-75.34zm84.72-20.78c30.94-8.14 46.42-49.94 34.58-93.36s-46.52-72.01-77.46-63.87-46.42 49.94-34.58 93.36c11.84 43.42 46.53 72.02 77.46 63.87zm281.39-29.34c-29.12-6.96-61.15 15.48-71.56 50.13-10.4 34.65 4.77 68.38 33.89 75.34 29.12 6.96 61.15-15.48 71.56-50.13 10.4-34.65-4.77-68.38-33.89-75.34zm-156.27 29.34c30.94 8.14 65.62-20.45 77.46-63.87 11.84-43.42-3.64-85.21-34.58-93.36s-65.62 20.45-77.46 63.87c-11.84 43.42 3.64 85.22 34.58 93.36z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea841b6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5ea841b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3253a63d e-con-full e-flex e-con e-child\" data-id=\"3253a63d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b2b14c elementor-widget elementor-widget-icon-box\" data-id=\"77b2b14c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThird-party injury and property damage (Tierhalterhaftpflicht)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf your dog bites someone, knocks over a cyclist, or damages a neighbour's garden or car, pet liability insurance germany covers the resulting claims \u2014 medical costs, repairs and, where applicable, ongoing compensation.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bc66d80 e-con-full e-flex e-con e-child\" data-id=\"6bc66d80\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-433b46e3 e-con-full e-flex e-con e-child\" data-id=\"433b46e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-366df059 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"366df059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f95546f elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"4f95546f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-medical\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M159.88,175.82h64v64a16,16,0,0,0,16,16h64a16,16,0,0,0,16-16v-64h64a16,16,0,0,0,16-16v-64a16,16,0,0,0-16-16h-64v-64a16,16,0,0,0-16-16h-64a16,16,0,0,0-16,16v64h-64a16,16,0,0,0-16,16v64A16,16,0,0,0,159.88,175.82ZM568.07,336.13a39.91,39.91,0,0,0-55.93-8.47L392.47,415.84H271.86a16,16,0,0,1,0-32H350.1c16,0,30.75-10.87,33.37-26.61a32.06,32.06,0,0,0-31.62-37.38h-160a117.7,117.7,0,0,0-74.12,26.25l-46.5,37.74H15.87a16.11,16.11,0,0,0-16,16v96a16.11,16.11,0,0,0,16,16h347a104.8,104.8,0,0,0,61.7-20.27L559.6,392A40,40,0,0,0,568.07,336.13Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23ee96ff elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23ee96ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ed30318 e-con-full e-flex e-con e-child\" data-id=\"5ed30318\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab465ce elementor-widget elementor-widget-icon-box\" data-id=\"ab465ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSurgery and emergency treatment (OP-Versicherung)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe surgery-only tier of Tierkrankenversicherung covers operations and related emergency treatment \u2014 the costs most likely to hit four figures under the reformed GOT fee schedule.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-487581b8 e-con-full e-flex e-con e-child\" data-id=\"487581b8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7f6032e e-con-full e-flex e-con e-child\" data-id=\"7f6032e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5445987c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5445987c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-327d6603 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"327d6603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-stethoscope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M447.1 112c-34.2.5-62.3 28.4-63 62.6-.5 24.3 12.5 45.6 32 56.8V344c0 57.3-50.2 104-112 104-60 0-109.2-44.1-111.9-99.2C265 333.8 320 269.2 320 192V36.6c0-11.4-8.1-21.3-19.3-23.5L237.8.5c-13-2.6-25.6 5.8-28.2 18.8L206.4 35c-2.6 13 5.8 25.6 18.8 28.2l30.7 6.1v121.4c0 52.9-42.2 96.7-95.1 97.2-53.4.5-96.9-42.7-96.9-96V69.4l30.7-6.1c13-2.6 21.4-15.2 18.8-28.2l-3.1-15.7C107.7 6.4 95.1-2 82.1.6L19.3 13C8.1 15.3 0 25.1 0 36.6V192c0 77.3 55.1 142 128.1 156.8C130.7 439.2 208.6 512 304 512c97 0 176-75.4 176-168V231.4c19.1-11.1 32-31.7 32-55.4 0-35.7-29.2-64.5-64.9-64zm.9 80c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10e1bd56 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"10e1bd56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56d3a5a0 e-con-full e-flex e-con e-child\" data-id=\"56d3a5a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33c82612 elementor-widget elementor-widget-icon-box\" data-id=\"33c82612\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRoutine and ongoing vet care (Vollversicherung)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFull-cover pet health insurance germany tariffs extend beyond surgery to include consultations, diagnostics, medication and, depending on the tariff, preventive treatment \u2014 at a higher premium than OP-only cover.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67b77a99 e-con-full e-flex e-con e-child\" data-id=\"67b77a99\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-669e46c7 e-con-full e-flex e-con e-child\" data-id=\"669e46c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f8c22b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"67f8c22b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-195f574c elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"195f574c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5374daa7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5374daa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31215bd e-con-full e-flex e-con e-child\" data-id=\"31215bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c76f4c8 elementor-widget elementor-widget-icon-box\" data-id=\"3c76f4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLegal defence costs in liability claims\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBeyond paying out valid claims, Tierhalterhaftpflicht typically covers the cost of defending you against unjustified claims \u2014 a separate but often overlooked part of the policy value.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3756c775 e-flex e-con-boxed e-con e-parent\" data-id=\"3756c775\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4f2d24 elementor-widget elementor-widget-heading\" data-id=\"5e4f2d24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to know<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-167bd568 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"167bd568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Limits and exclusions worth understanding<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67d4b365 elementor-widget elementor-widget-text-editor\" data-id=\"67d4b365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Common exclusions worth knowing before you rely on a pet insurance policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65eb39a3 e-grid e-con-full e-con e-child\" data-id=\"65eb39a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3507f5e7 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3507f5e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-maximize\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V192h416v234z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPre-existing conditions\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAny illness or injury your pet already had before the policy started is excluded under virtually every Tierkrankenversicherung tariff \u2014 this is why applying while a pet is young and healthy matters.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-267426f3 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"267426f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCosmetic procedures and breeding costs\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTail docking, ear cropping and other cosmetic procedures sit outside standard cover, as do costs connected to breeding \u2014 whelping, pregnancy complications or stud fees.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-382a6d77 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"382a6d77\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lock\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCertain breed-specific hereditary conditions\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSome tariffs exclude or apply extended waiting periods to hereditary conditions common in specific breeds \u2014 hip dysplasia in larger dogs is a frequent example. Varies significantly between insurers.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34da4b8a elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"34da4b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-layer-group\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12.41 148.02l232.94 105.67c6.8 3.09 14.49 3.09 21.29 0l232.94-105.67c16.55-7.51 16.55-32.52 0-40.03L266.65 2.31a25.607 25.607 0 0 0-21.29 0L12.41 107.98c-16.55 7.51-16.55 32.53 0 40.04zm487.18 88.28l-58.09-26.33-161.64 73.27c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.51 209.97l-58.1 26.33c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 276.3c16.55-7.5 16.55-32.5 0-40zm0 127.8l-57.87-26.23-161.86 73.37c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.29 337.87 12.41 364.1c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 404.1c16.55-7.5 16.55-32.5 0-40z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDental treatment beyond basics\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMany tariffs cap dental cover well below the cost of full treatment, or exclude it beyond emergency extraction. If dental care matters, check the tariff wording rather than assuming it's included.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1efd7aeb elementor-widget elementor-widget-text-editor\" data-id=\"1efd7aeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Exact inclusions and limits vary by insurer and tariff. Part of the free advice is checking the wording against your specific pet and situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-803eb34 e-flex e-con-boxed e-con e-parent\" data-id=\"803eb34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3083d588 elementor-widget elementor-widget-heading\" data-id=\"3083d588\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Easily confused<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13df9624 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"13df9624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dog liability vs. pet health \u2014 a clear comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33c8f165 elementor-widget elementor-widget-text-editor\" data-id=\"33c8f165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Three products, three different jobs. Here&#8217;s how dog liability insurance germany and the two tiers of pet health cover actually compare.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66d317ed e-grid e-con-full e-con e-child\" data-id=\"66d317ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d68c15e elementor-widget elementor-widget-image\" data-id=\"1d68c15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"377\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png\" class=\"attachment-large size-large wp-image-104\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-300x141.png 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-768x362.png 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1536x724.png 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-2048x965.png 2048w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-18x8.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6267bcd4 elementor-widget elementor-widget-text-editor\" data-id=\"6267bcd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Dog liability (Hundehaftpflicht)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231a7b8d elementor-widget elementor-widget-text-editor\" data-id=\"231a7b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pet health \u2013 OP-Versicherung<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37516c4b elementor-widget elementor-widget-text-editor\" data-id=\"37516c4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pet health \u2013 Vollversicherung<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5937c95f elementor-widget elementor-widget-text-editor\" data-id=\"5937c95f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Covers<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1718eb17 elementor-widget elementor-widget-text-editor\" data-id=\"1718eb17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Injury or damage your dog causes to third parties or their property<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4af264e4 elementor-widget elementor-widget-text-editor\" data-id=\"4af264e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Operations and related emergency treatment only<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57de1264 elementor-widget elementor-widget-text-editor\" data-id=\"57de1264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Surgery plus consultations, diagnostics, medication and ongoing care<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb8448a elementor-widget elementor-widget-text-editor\" data-id=\"5bb8448a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Typical claim<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d96088e elementor-widget elementor-widget-text-editor\" data-id=\"d96088e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Third-party injury or property damage from your dog<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f23a201 elementor-widget elementor-widget-text-editor\" data-id=\"7f23a201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Emergency surgery \u2014 often four figures under the reformed GOT<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1913c179 elementor-widget elementor-widget-text-editor\" data-id=\"1913c179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Routine care through to major treatment across the year<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4de4ab5d elementor-widget elementor-widget-text-editor\" data-id=\"4de4ab5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Best for<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e32f533 elementor-widget elementor-widget-text-editor\" data-id=\"2e32f533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Any dog owner, especially in mandatory states<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74f32103 elementor-widget elementor-widget-text-editor\" data-id=\"74f32103\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Owners wanting protection against the biggest single vet bills<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d448777 elementor-widget elementor-widget-text-editor\" data-id=\"3d448777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Owners wanting broad cover for routine and major vet costs<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b72e328 elementor-widget elementor-widget-text-editor\" data-id=\"2b72e328\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Regional relevance<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ccf75c9 elementor-widget elementor-widget-text-editor\" data-id=\"6ccf75c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mandatory in BE, HH, NI, SN, ST, SH, TH<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b2b07bf elementor-widget elementor-widget-text-editor\" data-id=\"5b2b07bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not regionally regulated<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50030ff7 elementor-widget elementor-widget-text-editor\" data-id=\"50030ff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not regionally regulated<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff2b622 elementor-widget elementor-widget-text-editor\" data-id=\"1ff2b622\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Learn more<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e988e7a elementor-widget elementor-widget-text-editor\" data-id=\"3e988e7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/insure-germany.com\/contact\/\">Ask us<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-647af052 elementor-widget elementor-widget-text-editor\" data-id=\"647af052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff9900;\">Ask us<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a2f5b59 elementor-widget elementor-widget-text-editor\" data-id=\"1a2f5b59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/insure-germany.com\/contact\/\"><span style=\"color: #ff9900;\">Ask us<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5618f6b1 elementor-widget elementor-widget-text-editor\" data-id=\"5618f6b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These aren&#8217;t competing products \u2014 most dog owners in mandatory states need Hundehaftpflicht regardless, then decide separately whether OP-only or full health cover fits their vet-bill risk tolerance. On a free call, we compare tariffs across both.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15395283 e-flex e-con-boxed e-con e-parent\" data-id=\"15395283\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63e4dd64 elementor-widget elementor-widget-heading\" data-id=\"63e4dd64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to understand<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf82981 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3bf82981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How pet insurance in Germany actually works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a76a942 elementor-widget elementor-widget-text-editor\" data-id=\"a76a942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The practical details behind both products \u2014 kept short. Open only what&#8217;s relevant to your pet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1605dea4 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"1605dea4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3690\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-3690\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does pet insurance work in practice? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3690\" class=\"elementor-element elementor-element-2a73dd01 e-con-full e-flex e-con e-child\" data-id=\"2a73dd01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2203a6 elementor-widget elementor-widget-text-editor\" data-id=\"e2203a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pet insurance germany covers two separate contracts. Tierhalterhaftpflicht pays out when your pet causes injury or damage to a third party, up to the policy&#8217;s sum insured, and typically also covers your legal defence if a claim against you is unjustified. Tierkrankenversicherung reimburses vet costs \u2014 either surgery only (OP-Versicherung) or a broader Vollversicherung \u2014 usually after you pay the vet directly and submit the invoice, minus any Selbstbeteiligung.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3691\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3691\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Where is dog liability mandatory in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3691\" class=\"elementor-element elementor-element-31cb6f68 e-con-full e-flex e-con e-child\" data-id=\"31cb6f68\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c530e4b elementor-widget elementor-widget-text-editor\" data-id=\"6c530e4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dog liability insurance germany is set at state level, not federally. It&#8217;s currently mandatory in Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\u00fcringen, though exact requirements \u2014 minimum sum insured, breed-specific rules, proof needed for dog registration \u2014 vary between them. In the remaining states, Hundehaftpflicht isn&#8217;t legally required.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3692\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3692\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the GOT and why does it matter? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3692\" class=\"elementor-element elementor-element-116e45 e-con-full e-flex e-con e-child\" data-id=\"116e45\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17781454 elementor-widget elementor-widget-text-editor\" data-id=\"17781454\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/de.wikipedia.org\/wiki\/Geb%C3%BChrenordnung_f%C3%BCr_Tier%C3%A4rzte\" target=\"_blank\" rel=\"noopener\">Geb\u00fchrenordnung f\u00fcr Tier\u00e4rzte (GOT)<\/a> is the statutory fee schedule German vets must charge from, reformed in 2022 with significantly higher base rates than the previous version. This directly drives what Tierkrankenversicherung has to cover \u2014 a straightforward emergency or surgical procedure can now easily reach four figures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3693\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3693\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Waiting periods and age limits \u2014 what to check <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3693\" class=\"elementor-element elementor-element-1945bb80 e-con-full e-flex e-con e-child\" data-id=\"1945bb80\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24496f9c elementor-widget elementor-widget-text-editor\" data-id=\"24496f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most pet health insurance germany tariffs apply a standard waiting period of around 30 days from the start of the policy, extending to 18\u201324 months for specific chronic or hereditary conditions. Separately, insurers set an age cap at entry \u2014 usually 6\u20138 years for dogs, occasionally up to 10 \u2014 after which new applications are declined or heavily restricted.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3694\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3694\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are cats covered by my personal liability? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3694\" class=\"elementor-element elementor-element-64bfc6e9 e-con-full e-flex e-con e-child\" data-id=\"64bfc6e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7870342f elementor-widget elementor-widget-text-editor\" data-id=\"7870342f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In most cases, yes. Damage a cat causes to a third party or their property is generally covered under a standard <a href=\"\/services\/liability-insurance-germany\/\">Privathaftpflicht policy<\/a>, without needing a dedicated cat insurance germany liability product. What isn&#8217;t automatically included is the cat&#8217;s own vet care \u2014 that still requires a separate Tierkrankenversicherung if you want cover for treatment costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3695\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3695\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is pet insurance advice from a broker really free? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3695\" class=\"elementor-element elementor-element-5e48d34e e-con-full e-flex e-con e-child\" data-id=\"5e48d34e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16fb57c0 elementor-widget elementor-widget-text-editor\" data-id=\"16fb57c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. As an independent broker under <a href=\"https:\/\/www.bafin.de\/EN\/die-bafin\/die-bafin_node_en.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a>, Christian Keller is paid by commission from the insurer once a policy is arranged, not by the client. Comparing Tierhalterhaftpflicht and Tierkrankenversicherung tariffs across providers costs you nothing directly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does pet insurance work in practice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pet insurance germany covers two separate contracts. Tierhalterhaftpflicht pays out when your pet causes injury or damage to a third party, up to the policy&#8217;s sum insured, and typically also covers your legal defence if a claim against you is unjustified. Tierkrankenversicherung reimburses vet costs \\u2014 either surgery only (OP-Versicherung) or a broader Vollversicherung \\u2014 usually after you pay the vet directly and submit the invoice, minus any Selbstbeteiligung.\"}},{\"@type\":\"Question\",\"name\":\"Where is dog liability mandatory in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dog liability insurance germany is set at state level, not federally. It&#8217;s currently mandatory in Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\\u00fcringen, though exact requirements \\u2014 minimum sum insured, breed-specific rules, proof needed for dog registration \\u2014 vary between them. In the remaining states, Hundehaftpflicht isn&#8217;t legally required.\"}},{\"@type\":\"Question\",\"name\":\"What is the GOT and why does it matter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Geb\\u00fchrenordnung f\\u00fcr Tier\\u00e4rzte (GOT) is the statutory fee schedule German vets must charge from, reformed in 2022 with significantly higher base rates than the previous version. This directly drives what Tierkrankenversicherung has to cover \\u2014 a straightforward emergency or surgical procedure can now easily reach four figures.\"}},{\"@type\":\"Question\",\"name\":\"Waiting periods and age limits \\u2014 what to check\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most pet health insurance germany tariffs apply a standard waiting period of around 30 days from the start of the policy, extending to 18\\u201324 months for specific chronic or hereditary conditions. Separately, insurers set an age cap at entry \\u2014 usually 6\\u20138 years for dogs, occasionally up to 10 \\u2014 after which new applications are declined or heavily restricted.\"}},{\"@type\":\"Question\",\"name\":\"Are cats covered by my personal liability?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In most cases, yes. Damage a cat causes to a third party or their property is generally covered under a standard Privathaftpflicht policy, without needing a dedicated cat insurance germany liability product. What isn&#8217;t automatically included is the cat&#8217;s own vet care \\u2014 that still requires a separate Tierkrankenversicherung if you want cover for treatment costs.\"}},{\"@type\":\"Question\",\"name\":\"Is pet insurance advice from a broker really free?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. As an independent broker under \\u00a734d GewO, Christian Keller is paid by commission from the insurer once a policy is arranged, not by the client. Comparing Tierhalterhaftpflicht and Tierkrankenversicherung tariffs across providers costs you nothing directly.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c6b3e05 e-flex e-con-boxed e-con e-parent\" data-id=\"7c6b3e05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7069629c elementor-widget elementor-widget-heading\" data-id=\"7069629c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why an independent broker<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34be4820 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"34be4820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advice that works for you, not for the insurer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27bf9b19 elementor-widget elementor-widget-text-editor\" data-id=\"27bf9b19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What an independent broker actually does \u2014 kept in numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69880402 e-grid e-con-full e-con e-child\" data-id=\"69880402\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1163f266 e-con-full e-transform e-flex e-con e-child\" data-id=\"1163f266\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a37b44b elementor-widget elementor-widget-heading\" data-id=\"3a37b44b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">100+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a3cf819 elementor-widget elementor-widget-icon-box\" data-id=\"4a3cf819\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProviders compared\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhole-of-market view across Tierhalterhaftpflicht and Tierkrankenversicherung providers \u2014 we compare terms, exclusions and waiting periods, not just premiums.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85e5eb6 e-con-full e-transform e-flex e-con e-child\" data-id=\"85e5eb6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb2adc3 elementor-widget elementor-widget-heading\" data-id=\"5cb2adc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00a7 34d<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ac7de9 elementor-widget elementor-widget-icon-box\" data-id=\"60ac7de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLicensed broker\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRegistered insurance broker under \u00a734d GewO \u2014 legally your representative, not the insurer's salesperson.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7546e9ab e-con-full e-transform e-flex e-con e-child\" data-id=\"7546e9ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4272fbe2 elementor-widget elementor-widget-heading\" data-id=\"4272fbe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u20ac0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11cf475a elementor-widget elementor-widget-icon-box\" data-id=\"11cf475a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAdvice is free\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBrokers are paid via commission already included in the premium. Your pet's cover costs the same, with or without us.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49cd8321 e-con-full e-transform e-flex e-con e-child\" data-id=\"49cd8321\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4330cff6 elementor-widget elementor-widget-heading\" data-id=\"4330cff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">EN \/ DE<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26aea827 elementor-widget elementor-widget-icon-box\" data-id=\"26aea827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEnglish support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSetup, tariff comparison and claims handled in English or German \u2014 whichever is easier for you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76a2227d e-con-full e-transform e-flex e-con e-child\" data-id=\"76a2227d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39800b24 elementor-widget elementor-widget-heading\" data-id=\"39800b24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce29613 elementor-widget elementor-widget-icon-box\" data-id=\"ce29613\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNamed contact\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOne person who knows your file \u2014 from the first comparison through to a claim years later.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e3d46cc e-con-full e-transform e-flex e-con e-child\" data-id=\"7e3d46cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67582661 elementor-widget elementor-widget-heading\" data-id=\"67582661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5000+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c22a93 elementor-widget elementor-widget-icon-box\" data-id=\"78c22a93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClients advised\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInsert your real figure once available \u2014 a verified client count builds strong trust here.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e8cc68c e-flex e-con-boxed e-con e-parent\" data-id=\"3e8cc68c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66b9dd24 elementor-widget elementor-widget-heading\" data-id=\"66b9dd24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Your questions answered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc3758e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fc3758e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pet insurance in Germany \u2014 FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bcc9ced elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"2bcc9ced\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7340\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-7340\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is pet insurance mandatory in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7340\" class=\"elementor-element elementor-element-51722cc2 e-con-full e-flex e-con e-child\" data-id=\"51722cc2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28a544ff elementor-widget elementor-widget-text-editor\" data-id=\"28a544ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on the product and where you live. Dog liability insurance germany (Tierhalterhaftpflicht) is mandatory in seven states \u2014 Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\u00fcringen \u2014 but not federally required elsewhere. Pet health insurance (Tierkrankenversicherung) is never mandatory anywhere in Germany.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7341\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7341\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need dog liability insurance in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7341\" class=\"elementor-element elementor-element-6b0db0f7 e-con-full e-flex e-con e-child\" data-id=\"6b0db0f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6066ee23 elementor-widget elementor-widget-text-editor\" data-id=\"6066ee23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you live in one of the seven states where it&#8217;s mandatory, yes, by law. Outside those states it&#8217;s not legally required, but Hundehaftpflicht is still widely recommended, since liability claims from a dog aren&#8217;t capped and can run well into six figures for serious injury.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7342\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7342\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is my cat covered by liability insurance without a separate policy? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7342\" class=\"elementor-element elementor-element-e6153c0 e-con-full e-flex e-con e-child\" data-id=\"e6153c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45ed868e elementor-widget elementor-widget-text-editor\" data-id=\"45ed868e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usually. Damage a cat causes to a third party or their belongings is typically covered under a standard <a href=\"\/services\/liability-insurance-germany\/\">Privathaftpflicht (personal liability) policy<\/a> \u2014 cat insurance germany doesn&#8217;t require a dedicated liability product the way dog ownership sometimes does. A separate policy is still needed for the cat&#8217;s own vet bills.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7343\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7343\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What's the difference between OP-Versicherung and Vollversicherung? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7343\" class=\"elementor-element elementor-element-25eac556 e-con-full e-flex e-con e-child\" data-id=\"25eac556\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-400ceec0 elementor-widget elementor-widget-text-editor\" data-id=\"400ceec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>OP-Versicherung covers surgery and related emergency treatment only, at a lower premium. Vollversicherung extends to routine consultations, diagnostics, medication and ongoing care, at a higher premium. Both fall under Tierkrankenversicherung and both apply Selbstbeteiligung, typically 10\u201320%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7344\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7344\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long do I have to wait before pet health insurance pays out? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7344\" class=\"elementor-element elementor-element-4c30b30 e-con-full e-flex e-con e-child\" data-id=\"4c30b30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fdf5879 elementor-widget elementor-widget-text-editor\" data-id=\"7fdf5879\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A standard waiting period of around 30 days applies from the policy start date for general treatment. Specific chronic or hereditary conditions can carry much longer waiting periods \u2014 up to 18\u201324 months \u2014 depending on the tariff, so check the wording for the conditions your pet&#8217;s breed is prone to.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7345\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7345\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I insure an older dog or cat? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7345\" class=\"elementor-element elementor-element-679f76bd e-con-full e-flex e-con e-child\" data-id=\"679f76bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8454c2 elementor-widget elementor-widget-text-editor\" data-id=\"3a8454c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It gets harder with age. Most pet health insurance germany providers cap entry age around 6\u20138 years for dogs, with a few extending to 10; applications for older pets are frequently declined or offered only with exclusions. There&#8217;s no equivalent age restriction for dog liability insurance germany, which isn&#8217;t underwritten on the animal&#8217;s health.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7346\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7346\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I pay you for pet insurance advice? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7346\" class=\"elementor-element elementor-element-6dbf3585 e-con-full e-flex e-con e-child\" data-id=\"6dbf3585\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7296862e elementor-widget elementor-widget-text-editor\" data-id=\"7296862e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Christian Keller works as an independent broker under <a href=\"https:\/\/www.bafin.de\/EN\/die-bafin\/die-bafin_node_en.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a> and is paid by commission from the insurer once cover is arranged, so comparing pet insurance germany options \u2014 liability, health, or both \u2014 costs you nothing directly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is pet insurance mandatory in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the product and where you live. Dog liability insurance germany (Tierhalterhaftpflicht) is mandatory in seven states \\u2014 Berlin, Hamburg, Niedersachsen, Sachsen, Sachsen-Anhalt, Schleswig-Holstein and Th\\u00fcringen \\u2014 but not federally required elsewhere. Pet health insurance (Tierkrankenversicherung) is never mandatory anywhere in Germany.\"}},{\"@type\":\"Question\",\"name\":\"Do I need dog liability insurance in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you live in one of the seven states where it&#8217;s mandatory, yes, by law. Outside those states it&#8217;s not legally required, but Hundehaftpflicht is still widely recommended, since liability claims from a dog aren&#8217;t capped and can run well into six figures for serious injury.\"}},{\"@type\":\"Question\",\"name\":\"Is my cat covered by liability insurance without a separate policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Usually. Damage a cat causes to a third party or their belongings is typically covered under a standard Privathaftpflicht (personal liability) policy \\u2014 cat insurance germany doesn&#8217;t require a dedicated liability product the way dog ownership sometimes does. A separate policy is still needed for the cat&#8217;s own vet bills.\"}},{\"@type\":\"Question\",\"name\":\"What's the difference between OP-Versicherung and Vollversicherung?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"OP-Versicherung covers surgery and related emergency treatment only, at a lower premium. Vollversicherung extends to routine consultations, diagnostics, medication and ongoing care, at a higher premium. Both fall under Tierkrankenversicherung and both apply Selbstbeteiligung, typically 10\\u201320%.\"}},{\"@type\":\"Question\",\"name\":\"How long do I have to wait before pet health insurance pays out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A standard waiting period of around 30 days applies from the policy start date for general treatment. Specific chronic or hereditary conditions can carry much longer waiting periods \\u2014 up to 18\\u201324 months \\u2014 depending on the tariff, so check the wording for the conditions your pet&#8217;s breed is prone to.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure an older dog or cat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It gets harder with age. Most pet health insurance germany providers cap entry age around 6\\u20138 years for dogs, with a few extending to 10; applications for older pets are frequently declined or offered only with exclusions. There&#8217;s no equivalent age restriction for dog liability insurance germany, which isn&#8217;t underwritten on the animal&#8217;s health.\"}},{\"@type\":\"Question\",\"name\":\"Do I pay you for pet insurance advice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Christian Keller works as an independent broker under \\u00a734d GewO and is paid by commission from the insurer once cover is arranged, so comparing pet insurance germany options \\u2014 liability, health, or both \\u2014 costs you nothing directly.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3541cf7 e-flex e-con-boxed e-con e-parent\" data-id=\"3541cf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb0654 elementor-widget elementor-widget-heading\" data-id=\"5bb0654\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cover expats often sort out alongside<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e74c133 elementor-widget elementor-widget-text-editor\" data-id=\"e74c133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Image created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a40282 e-grid e-con-full e-con e-child\" data-id=\"2a40282\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd14d57 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"cd14d57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp\" class=\"attachment-full size-full wp-image-1185\" alt=\"Business insurance for freelancers in Germany \u2014 Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht explained\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\"> Business Insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect your business against the risks that come with running a company in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acfb59d elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"acfb59d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp\" class=\"attachment-full size-full wp-image-1144\" alt=\"Pet insurance Germany explained \u2013 dog liability insurance and pet health insurance for expats choosing pet cover in Germany\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\">Pet health insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Covers vet bills, treatment and surgery \u2014 depending on the level of cover.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9da18db elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"9da18db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp\" class=\"attachment-full size-full wp-image-1000\" alt=\"Private medical insurance Germany \u2013 GKV vs. PKV health insurance for expats\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\">Health insurance for expats \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Public vs private, explained - and set up in English.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe82d42 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"fe82d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp\" class=\"attachment-full size-full wp-image-883\" alt=\"Private pension Germany guide for expats covering retirement planning, pension options and financial security\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\">Private pension \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Build long-term retirement savings in Germany with a plan that fits your life and goals.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-828b983 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"828b983\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp\" class=\"attachment-full size-full wp-image-1100\" alt=\"Legal insurance Germany for expats \u2013 compare Rechtsschutzversicherung options with an independent broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\">Legal insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Get financial protection for legal disputes involving work, housing, traffic or everyday life in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-794c40e elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"794c40e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp\" class=\"attachment-full size-full wp-image-666\" alt=\"liability-insurance-germany-independent-broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\">Personal liability \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect yourself from costly claims if you accidentally injure someone or damage their property.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b48f141 e-flex e-con-boxed e-con e-parent\" data-id=\"2b48f141\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37a0b24d elementor-widget elementor-widget-html\" data-id=\"37a0b24d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY HEADER + DROPDOWN STACKING FIX\n   ============================================================ *\/\n\n\n\/* ============================================================\n   1. PREHEADER\n   ============================================================ *\/\n\n#ig-preheader {\n  position: relative;\n  z-index: 50001;\n}\n\n\n\/* ============================================================\n   2. OUTER HEADER \/ UAE HEADER FOOTER BUILDER\n   Wichtig: gesamter Header muss \u00fcber #ig-tabnav liegen\n   ============================================================ *\/\n\n.site-header,\n#masthead,\n.elementor-location-header,\n.hfe-site-header,\n.hfe-header,\n.elementor-header {\n  position: relative;\n  z-index: 50000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   3. MAIN HEADER\n   Elementor Container besitzt CSS-ID: ig-header\n   ============================================================ *\/\n\n#ig-header {\n  position: relative;\n\n  z-index: 50000 !important;\n\n  width: 100%;\n\n  overflow: visible !important;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky \/ Fixed State *\/\n\n#ig-header.ig-fixed {\n  position: fixed;\n\n  left: 0;\n  right: 0;\n\n  z-index: 50000 !important;\n\n  box-shadow: 0 2px 20px rgba(0,0,0,.08);\n}\n\n\n\/* ============================================================\n   4. HEADER PLACEHOLDER\n   Verhindert Layout-Sprung beim Fixieren\n   ============================================================ *\/\n\n#ig-header-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* ============================================================\n   5. ELEMENTOR \/ UAE WRAPPER\n   Dropdown darf nicht durch Parent-Container abgeschnitten werden\n   ============================================================ *\/\n\n#ig-header,\n#ig-header .e-con,\n#ig-header .e-con-inner,\n#ig-header .elementor,\n#ig-header .elementor-element,\n#ig-header .elementor-widget,\n#ig-header .elementor-widget-container {\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   6. UAE \/ WORDPRESS DROPDOWN\n   ============================================================ *\/\n\n#ig-header .sub-menu,\n#ig-header ul.sub-menu,\n#ig-header .uael-sub-menu,\n#ig-header .uael-nav-menu__submenu {\n  z-index: 60000 !important;\n}\n\n\n\/* Manche UAE Versionen erzeugen zus\u00e4tzliche Wrapper *\/\n\n#ig-header .uael-nav-menu,\n#ig-header .uael-nav-menu__toggle,\n#ig-header .uael-nav-menu__container,\n#ig-header .uael-nav-menu__layout-horizontal {\n  position: relative;\n  z-index: 55000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   7. SECONDARY STICKY TAB NAV\n   Muss unter dem Main Header + Dropdown liegen\n   ============================================================ *\/\n\n#ig-tabnav,\n#ig-tabnav.ig-tab-fixed {\n  z-index: 5000 !important;\n}\n\n\n\/* ============================================================\n   8. ELEMENTOR EDITOR\n   Im Editor Header nicht fixieren\n   ============================================================ *\/\n\nbody.elementor-editor-active #ig-header {\n  position: relative !important;\n  top: auto !important;\n}\n\nbody.elementor-editor-active #ig-header-placeholder {\n  display: none !important;\n}\n\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header = document.getElementById('ig-header');\n  const preheader = document.getElementById('ig-preheader');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER ERSTELLEN\n     ========================================================== *\/\n\n  let placeholder = document.getElementById('ig-header-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n\n    placeholder.id = 'ig-header-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    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element.offsetTop || 0;\n\n        element = element.offsetParent;\n\n      }\n\n      headerTrigger =\n        top + preheader.offsetHeight;\n\n      return;\n\n    }\n\n\n    \/*\n     Falls kein Preheader vorhanden ist,\n     urspr\u00fcngliche Position des Headers verwenden.\n    *\/\n\n    let element = header;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    headerTrigger = top;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY HEADER LOGIK\n     ========================================================== *\/\n\n  function updateHeader() {\n\n    \/*\n     Elementor Editor:\n     keine Sticky-Funktion ausf\u00fchren.\n    *\/\n\n    if (\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ) {\n      return;\n    }\n\n\n    if (headerTrigger === null) {\n      calculateTrigger();\n    }\n\n\n    const adminHeight 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==========================================================\n     INITIALISIERUNG\n     ========================================================== *\/\n\n  setTimeout(function () {\n\n    headerTrigger = null;\n\n    calculateTrigger();\n\n    updateHeader();\n\n  }, 300);\n\n\n  updateHeader();\n\n\n  \/* ==========================================================\n     SCROLL\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateHeader,\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      \/*\n       Positionen und H\u00f6hen k\u00f6nnen sich\n       beim Responsive Breakpoint \u00e4ndern.\n      *\/\n\n      headerTrigger = null;\n\n      calculateTrigger();\n\n      updateHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-152cec36 elementor-widget elementor-widget-html\" data-id=\"152cec36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 MOBILE \/ TABLET STICKY HEADER\n   CSS-ID des mobilen Header-Containers:\n   ig-header-mobile\n   ============================================================ *\/\n\n#ig-header-mobile{\n  position:relative;\n  z-index:50000 !important;\n\n  width:100%;\n\n  background:rgba(255,255,255,.96);\n\n  backdrop-filter:blur(10px);\n  -webkit-backdrop-filter:blur(10px);\n\n  border-bottom:1px solid rgba(0,0,0,.08);\n\n  overflow:visible !important;\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky State *\/\n#ig-header-mobile.ig-mobile-fixed{\n  position:fixed;\n\n  left:0;\n  right:0;\n\n  z-index:50000 !important;\n\n  box-shadow:0 2px 18px rgba(0,0,0,.08);\n}\n\n\n\/* Placeholder verhindert Layout-Sprung *\/\n#ig-header-mobile-placeholder{\n  display:none;\n  width:100%;\n}\n\n\n\/* Elementor Wrapper offen halten *\/\n#ig-header-mobile .e-con,\n#ig-header-mobile .e-con-inner,\n#ig-header-mobile .elementor-element,\n#ig-header-mobile .elementor-widget,\n#ig-header-mobile .elementor-widget-container{\n  overflow:visible !important;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-header-mobile{\n  position:relative !important;\n  top:auto !important;\n}\n\nbody.elementor-editor-active #ig-header-mobile-placeholder{\n  display:none !important;\n}\n\n\n\/* Nur Tablet + Mobile *\/\n@media(min-width:1025px){\n\n  #ig-header-mobile,\n  #ig-header-mobile-placeholder{\n    display:none !important;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header =\n    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============================================================\n   INSURE GERMANY \u2013 STICKY TAB NAV\n   ============================================================ *\/\n\n#ig-tabnav {\n  display: flex !important;\n  flex-wrap: nowrap !important;\n  align-items: center !important;\n\n  position: relative;\n  z-index: 9999;\n\n  width: 100%;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky state *\/\n#ig-tabnav.ig-tab-fixed {\n  position: fixed;\n  left: 0;\n  right: 0;\n  z-index: 9999;\n\n  box-shadow: 0 2px 12px rgba(0,0,0,.06);\n}\n\n\n\/* Placeholder prevents layout jump *\/\n#ig-tabnav-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-tabnav {\n  position: relative !important;\n}\n\nbody.elementor-editor-active #ig-tabnav-placeholder {\n  display: none !important;\n}\n\n\n\/* ============================================================\n   ACTIVE TAB\n   ============================================================ *\/\n\n\/* normal *\/\n#ig-tabnav a,\n#ig-tabnav .elementor-button-text {\n  transition: color .25s ease;\n}\n\n\/* active Elementor button *\/\n#ig-tabnav .ig-tab-active .elementor-button-text,\n#ig-tabnav .ig-tab-active a {\n  color: #F5A015 !important;\n}\n\n\n\/* ============================================================\n   HORIZONTAL SCROLL\n   ============================================================ *\/\n\n.ig-tab-scroll,\n.elementor-container.ig-tab-scroll,\n.e-container.ig-tab-scroll,\n.e-flex.ig-tab-scroll {\n\n  overflow-x: auto !important;\n  overflow-y: hidden !important;\n\n  flex-wrap: nowrap !important;\n\n  -webkit-overflow-scrolling: touch !important;\n\n  scrollbar-width: none !important;\n  -ms-overflow-style: none !important;\n\n  scroll-behavior: smooth;\n}\n\n\n\/* Hide scrollbar *\/\n.ig-tab-scroll::-webkit-scrollbar,\n.elementor-container.ig-tab-scroll::-webkit-scrollbar,\n.e-container.ig-tab-scroll::-webkit-scrollbar,\n.e-flex.ig-tab-scroll::-webkit-scrollbar {\n  display: none !important;\n}\n\n\n\/* Children never wrap *\/\n.ig-tab-scroll > *,\n.elementor-container.ig-tab-scroll > .elementor-column,\n.e-container.ig-tab-scroll > .e-con,\n.e-flex.ig-tab-scroll > .e-con {\n\n  flex-shrink: 0 !important;\n\n  width: auto !important;\n  min-width: max-content !important;\n}\n\n\n\/* ============================================================\n   MOBILE\n   ============================================================ *\/\n\n@media (max-width: 767px) {\n\n  #ig-tabnav {\n    overflow: hidden;\n  }\n\n  .ig-tab-scroll {\n    justify-content: flex-start !important;\n\n    padding-left: 14px;\n    padding-right: 14px;\n\n    gap: 8px;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () 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triggerTop = top;\n\n    return triggerTop;\n\n  }\n\n\n  \/* ==========================================================\n     ADMIN BAR\n     ========================================================== *\/\n\n  function getAdminBarHeight() {\n\n    const bar =\n      document.getElementById('wpadminbar');\n\n    if (!bar) return 0;\n\n    if (\n      window.getComputedStyle(bar).display === 'none'\n    ) {\n      return 0;\n    }\n\n    return bar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     HEADER HEIGHT\n     ========================================================== *\/\n\n  function getHeaderHeight() {\n\n    const ids = [\n      'ig-header',\n      'ig-header-tablet',\n      'ig-header-mobile'\n    ];\n\n    for (let i = 0; i < ids.length; i++) {\n\n      const header =\n        document.getElementById(ids[i]);\n\n      if (\n        header &&\n        window.getComputedStyle(header).display !== 'none' &&\n        header.offsetHeight > 0\n      ) {\n        return header.offsetHeight;\n      }\n\n    }\n\n    return 0;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY LOGIC\n     ========================================================== *\/\n\n  function updateTabNav() {\n\n    const adminHeight =\n      getAdminBarHeight();\n\n    const headerHeight =\n      getHeaderHeight();\n\n    const offset =\n      adminHeight + headerHeight;\n\n    const trigger =\n      getTrigger() - offset;\n\n\n    if (window.scrollY >= trigger) {\n\n      placeholder.style.height =\n        tabnav.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n      tabnav.classList.add(\n        'ig-tab-fixed'\n      );\n\n      tabnav.style.top =\n        offset + 'px';\n\n    }\n\n    else {\n\n      tabnav.classList.remove(\n        'ig-tab-fixed'\n      );\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        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updateTabNav();\n      updateActiveTab();\n\n    },\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      triggerTop = null;\n\n      updateTabNav();\n      updateActiveTab();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75320c2c e-flex e-con-boxed e-con e-parent\" data-id=\"75320c2c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-621e9a21 e-con-full e-flex e-con e-child\" data-id=\"621e9a21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bdf2794 elementor-widget elementor-widget-image\" data-id=\"5bdf2794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp\" class=\"attachment-large size-large wp-image-251\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp 800w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-300x300.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-150x150.webp 150w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-768x768.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-12x12.webp 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44d73f03 e-con-full e-flex e-con e-child\" data-id=\"44d73f03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7d07f5 elementor-widget elementor-widget-heading\" data-id=\"6f7d07f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get your pet's cover sorted \u2014 the right way<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-387647f elementor-widget elementor-widget-text-editor\" data-id=\"387647f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Book a free 30-minute call and get an independent, English-language comparison of dog liability and pet health insurance \u2014 matched to your pet&#8217;s age, breed and the state you live in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72a15aed e-con-full e-flex e-con e-child\" data-id=\"72a15aed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34eac55b elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"34eac55b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a free call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f850ec elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3f850ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send a message<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Trusted by 100+ expats across Germany Independent advice for expats Pet insurance Germany \u2014 two different policies, explained before you choose Book your free consultation Compare dog liability vs. vet cover Built with Ai Two products, one clear answer We explain the difference between Tierhalterhaftpflicht and Tierkrankenversicherung before you pick either. Regional rules checked [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1144,"parent":683,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-312","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/comments?post=312"}],"version-history":[{"count":35,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/312\/revisions"}],"predecessor-version":[{"id":1315,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/312\/revisions\/1315"}],"up":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media\/1144"}],"wp:attachment":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media?parent=312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}