Are Vaccinations Included in Cat Insurance?
Regular vaccinations are essential to protect your cat from serious infectious diseases. But does cat insurance cover vaccinations?
The answer: Yes, Dalma covers vaccination costs, specifically within the framework of the Prevention Budget! However, many pet owners are unaware that such benefits are not included in standard pet health insurance. Most pet health insurance policies generally only cover treatments for illness or accidents – unlike health insurance for humans, which also covers routine services.
This is exactly where the Prevention Budget of the Dalma cat health insurance comes in: It is a particularly helpful additional benefit that goes beyond classic insurance coverage. With the Prevention Budget, you are not only covered in case of illness but also receive proportional reimbursement for preventive measures such as vaccinations, tartar removal, or deworming.
Customers can choose a budget of €70 or €100 per year, which can be used for incurring preventive costs. The Prevention Budget is available to you in the Health Insurance tariff starting from an annual maximum benefit of €1,500 per year. This way, you can offer your cat the best possible preventive health care – without having to pay high veterinary costs yourself.
Focus on the cuddles, we'll focus on the costs.
Which Vaccinations Are Important for Cats?
Some vaccinations are not strictly necessary for indoor cats, while they are strongly recommended or even legally required for outdoor cats.
The Standing Committee on Veterinary Vaccination (StIKo Vet) at the Friedrich-Loeffler-Institut recommends several essential vaccinations for cats (Stiko Vet Vaccination Recommendations for Cats (FLI)):
- Cat Flu (Feline Herpesvirus, Calicivirus)
- Feline Panleukopenia (Feline Distemper, Parvovirus)
- Rabies (mandatory for outdoor cats or for travel abroad)
- Feline Leukemia (FeLV) – recommended for cats with outdoor access or in multi-cat households
Important: If a cat is not vaccinated or incompletely vaccinated and contracts a preventable disease, the insurance will not cover treatment costs.
Please therefore note: Diseases such as Feline Calicivirus (Cat Flu) or Panleukopenia (Feline Distemper) are only insured under full health coverage if verifiable vaccination protection according to Stiko Vet existed at the time of infection.
Focus on the cuddles, we'll focus on the costs.
What Does a Vaccination for Cats Cost?
The costs for a vaccination for cats vary depending on the veterinarian and the type of vaccination.
On average, prices are:
- Basic immunization (Cat Flu & Feline Distemper): €50–80
- Booster vaccinations: €40–70
- Leukemia vaccination: €40–60
- Rabies vaccination: €50–70
In addition, veterinary costs are billed according to the Fee Schedule for Veterinarians (GOT). Depending on the rate (1-fold to 3-fold rate), costs can therefore vary. The mentioned vaccination costs for cats are considered average prices in Germany and may vary depending on the region, veterinary practice, and emergency service.
Focus on the cuddles, we'll focus on the costs.
Which Vaccinations Does Cat Health Insurance Cover?
Are you looking for health insurance including vaccination? With Dalma cat health insurance, all vaccinations are reimbursable without restriction within the scope of the chosen Prevention Budget (€70 and €100 per year). Regardless of whether they are vaccinations recommended by StiKo Vet or additional vaccinations – all vaccination costs can be submitted via the Prevention Budget.
Focus on the cuddles, we'll focus on the costs.
Cat Insurance with Vaccination - What Other Preventive Services Are There?
The Prevention Budget covers not only vaccinations but also other preventive measures:
- Tartar removal
- Claw trimming
- Antiparasitics (e.g., flea and tick protection, deworming)
- Castration or sterilization (without medical indication)
- Health checks & preventive examinations
Good to know: These benefits are only included in the Health Insurance with Prevention Budget – not in the pure Surgery Insurance.
View detailed benefit overview: Click here
Focus on the cuddles, we'll focus on the costs.
Taking Out Cat Insurance for Vaccinations – Here Is How
Provide information about your pet and yourself. Then have your quote calculated – Quickly and easily online: Create quote now
- Select tariff – Select Health Insurance with Prevention Budget
- Select amount of Prevention Budget: The Prevention Budget of €70 or €100 is optionally selectable, provided your tariff includes an annual maximum benefit of at least €1,500.
- Complete insurance
- Submit invoices & receive reimbursement
If you wish for a personal consultation, you can arrange a callback here: Book appointment
Focus on the cuddles, we'll focus on the costs.
Conclusion: Is Cat Insurance with Vaccinations Worth It?
Pet health insurance with a Prevention Budget ensures that you get regular vaccination costs reimbursed – completely without restrictions.
This means: Even special vaccinations for travel abroad are covered and can be submitted easily. At the same time, complete vaccination protection contributes to protecting your cat from preventable diseases.
This is important not only from a health perspective but also relevant for insurance purposes: Because certain diseases are excluded from insurance coverage if they could have been prevented by missing or incomplete vaccinations. In plain text: Whoever vaccinates regularly not only protects their cat – but also secures their claim to insurance benefits. A cat insurance policy with a Prevention Budget is therefore doubly worthwhile: for your cat's health and for financial relief.
Focus on the cuddles, we'll focus on the costs.
FAQ: Frequently Asked Questions about Cat Insurance & Vaccinations
Does Health Insurance Pay for Vaccinations for Cats?
Yes, vaccinations are covered at Dalma via the Prevention Budget. Depending on which budget you have selected, you can use €70 or €100 per year for preventive measures and receive reimbursement for costs in this amount.
Which Vaccinations Are Mandatory for My Cat?
The StIKo Vet recommends vaccinations against Cat Flu, Feline Distemper, Rabies (for outdoor cats), and Leukemia. For travel abroad, proof of rabies vaccination must be carried along.
Does My Cat Have to Be Vaccinated for the Insurance to Apply?
Yes. Diseases resulting from missing or incomplete vaccination protection are not insured.
Is There a Waiting Period for Vaccinations?
No, there is no waiting period for vaccinations – the Prevention Budget is usable immediately.
Does Every Cat Insurance Cover Vaccinations?
No. Many cat insurance policies do not automatically cover vaccinations, as they only cover acute illnesses or accidents. Vaccination costs are usually only reimbursable via a special Prevention Budget – as with Dalma.
Does Cat Insurance Pay for Vaccinations Even for Indoor Cats?
Yes. Vaccinations for indoor cats are also reimbursable via the Prevention Budget, provided they are recommended or performed by a veterinarian.
Are Vaccinations Also Covered for Older Cats?
Yes. The Prevention Budget for vaccinations applies regardless of your cat's age, as long as it is insured with Dalma and the vaccination is performed by a veterinarian.
Can I Also Use the Prevention Budget for Combined Vaccinations?
Yes. Combination vaccinations, where multiple vaccines are contained in one injection, can also be submitted via the Prevention Budget.
Does the Prevention Budget Apply Per Cat or Per Contract?
The Prevention Budget applies per insured cat and per insurance year. If you have insured multiple cats, the budget is available separately for each cat.
Focus on the cuddles, we'll focus on the costs.
Further Information
- Standing Committee on Veterinary Vaccination (StIKo Vet), Friedrich-Loeffler-Institut (FLI): Official vaccination recommendations for cats in Germany https://www.fli.de/de/aktuelles/kurznachrichten/neues-einzelansicht/aktuelle-impfempfehlungen-der-stiko-vet-fuer-kleintiere-und-wiederkaeuer/
- Federal Association of Practicing Veterinarians (bpt): Vaccination Guideline for Small Animals (PDF) https://www.tieraerzteverband.de/bpt/berufspolitik/leitlinien/dokumente/impfleitlinien/lmpfleitlinie_Kleintiere_2025-01-06.pdf
- Fee Schedule for Veterinarians (GOT): Legal basis for billing veterinary services in Germany https://www.gesetze-im-internet.de/got_2022/BJNR140100022.html
Focus on the cuddles, we'll focus on the costs.
Focus on the cuddles, we'll focus on the costs.
