Dog health insurance with 100% reimbursement & payout in 48h

Dog health insurance is generally worthwhile for all dog owners who want to protect themselves against high veterinary costs.

Especially when comprehensive and predictable medical care for their pet is important to them.

It is particularly useful for puppies and young dogs, because insuring early ensures that breed-typical diseases such as hip or elbow dysplasia are covered in the long term.

Dogs of certain breeds that have an increased risk for genetic diseases—such as Dachshunds with a tendency toward spinal disc problems or Retrievers with joint diseases—also benefit from early coverage.

Active dogs that are used for sports or are under heavy strain in everyday life are particularly at risk of injury.

Health insurance in such cases not only protects during surgeries but also covers costs for diagnostics, medication, follow-up treatments, or medical treatments such as infusions or physiotherapy in case of illness.

But insurance coverage is also useful for indoor dogs, as even without outdoor access, infections, gastrointestinal problems, or dental diseases can occur, which quickly become expensive.

For all owners to whom regular prevention is important, Dalma also offers a prevention budget that, depending on the plan, can be used for vaccinations, deworming, dental prophylaxis, or health check-ups, completely without a waiting period.

Anyone who wants their dog to be fully protected will find flexible plans at Dalma with

up to 100% reimbursement, fast digital processing, and a service package tailored to real everyday situations.

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Monthly premiums for dog insurance vary significantly depending on the type of insurance, provider, as well as the age, breed, and health status of the dog.

In principle: The more comprehensive the protection, the higher the costs.

Surgery insurance exclusively covers surgical procedures, while dog health insurance also covers outpatient treatments, diagnostics, medication, and often preventive services.

Those looking for high-performance and simultaneously affordable dog health insurance will find a particularly recommendable option at Dalma.

Dog owners can receive comprehensive protection from as little as 24.79 euros per month.

The deductible (0%, 10%, or 20%), the maximum annual benefit, and the prevention budget (between 70 and 100 euros) can be determined individually.

Unlike many other providers, Dalma hardly distinguishes between pedigree and mixed-breed dogs and also offers insurance coverage for older dogs up to eight years.

Furthermore, owners of several dogs benefit from attractive discounts.

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Dog health insurance policies vary greatly in their benefits, plans, and conditions. A dog health insurance comparison is therefore worthwhile in any case to find insurance that fits both the pet and the budget.

Important criteria include the reimbursement level, waiting periods, covered services (for example, surgeries, medication, prevention, alternative healing methods), free choice of veterinarian, coverage abroad, deductible, and the annual benefit limit.

Dalma impresses in the dog insurance comparison with one of the most comprehensive benefit packages on the market: up to 100% reimbursement, freely selectable reimbursement rate and maximum annual limit, an integrated prevention budget, as well as coverage for alternative therapies, behavioral therapy, and dental treatments, entirely without additional packages.

Rapid cost reimbursement within 48 hours, digital processing via app, a monthly right of cancellation after the first year, and the waiver of cancellations after claim cases make Dalma a particularly transparent and customer-friendly solution for dog owners.

Whether it's a torn cruciate ligament, gastric torsion, or a swallowed foreign body... many dogs must undergo surgery in the course of their lives.
The costs for this quickly reach the three- to four-figure range.
Surgery insurance protects dog owners from these financial burdens and covers - depending on the plan - up
to 100% of the resulting costs. Usually, insurance coverage includes not only the procedure itself but also diagnostics, anesthesia, hospital stay, medication, and aftercare such as physiotherapy.
Some providers also cover dental surgeries, prostheses, or alternative healing methods.

Dalma surgery insurance offers targeted protection against high surgical costs - flexible, transparent, and individually adjustable.
Owners decide for themselves on the reimbursement rate and maximum annual limit, benefit from fast processing within 48 hours, and always keep an overview thanks to the user-friendly app.
Alternative healing methods, physiotherapy, and telemedicine are also included in the insurance coverage. More info

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Dalma surgery insurance offers targeted protection against high surgical costs - flexible, transparent, and individually adjustable.
Owners decide for themselves on the reimbursement rate and maximum annual limit, benefit from fast processing within 48 hours, and always keep an overview thanks to the user-friendly app.
Alternative healing methods, physiotherapy, and telemedicine are also included in the insurance coverage.

Anyone who keeps two dogs carries double responsibility - also financially.

Veterinary costs can quickly add up, especially if both animals become ill or need surgery at the same time.

Dog health insurance for two dogs protects owners from unexpected costs and ensures that both animals can receive the best possible care in case of illness.

Dalma offers a particularly attractive offer here: 15% discount on the cheaper plan, free choice between surgery insurance or full protection, fast cost reimbursement, free choice of veterinarian, and an individual prevention budget.

The plans can be easily adjusted online. For all-around protection that fits both humans and animals.

Even if a dog already has health restrictions, dog owners do not have to do without insurance coverage.

Many providers allow dog health insurance despite pre-existing conditions - however with restrictions: existing illnesses are usually excluded; only new illnesses and accidents occurring after the start of insurance are covered.

Dalma offers a particularly transparent solution: all new illnesses and accidents are covered. Existing diagnoses are excluded.

Reimbursement is fast (within 48 hours), plans are individually adjustable, processing is digital via app, and communication is clear and honest.

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Breed-specific diseases such as ED, HD, or patellar luxation are also insured - after defined waiting periods.

Many dog owners ask themselves whether insurance can also be taken out after a case of illness has occurred.

The answer is clear: No, retroactive insurance is not possible.

Insurance serves to protect against future risks; costs already incurred cannot be reimbursed.

At Dalma, you can easily and quickly insure your dog online, but only for future events.

Depending on the service, waiting periods between two days (for accidents) and up to 18 months (for patellar luxation) apply.

Preventive services such as vaccinations can be used immediately. Clear regulations, digital processes, and fast reimbursement make Dalma the ideal choice for responsible dog owners.

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Vaccinations are part of a dog's basic care and protect against dangerous diseases such as distemper, parvovirus, or leptospirosis.

However, they are not automatically included in every dog health insurance policy, as they are considered a preventive measure.

With Dalma dog health insurance, vaccinations are covered via the integrated prevention budget - regardless of whether they are standard vaccinations or special vaccines for travel abroad.

Depending on the plan, 70 euros or 100 euros are available annually, which can be used flexibly for vaccinations, tartar removal, deworming, and other preventive measures, and all this without a waiting period.

Many dog owners want to know whether they can claim dog health insurance premiums for tax purposes.

Usually, this is not possible: the tax office considers these expenses part of private living costs.

An exception only applies if the dog is demonstrably used professionally - for example as a service, therapy, or guard dog.

In these cases, deduction as professional expenses or business expenses may be considered, provided the use is clearly documented and separated from private ownership.

Even though Dalma dog health insurance is mostly not tax-deductible, it offers many convincing advantages: it covers the costs for treatments, surgeries, medication, alternative healing methods, and preventive measures completely flexibly, digitally, and reliably.