Module 1: Tariffs & Reimbursement Logic

• Surgery Insurance: Covers costs for surgical procedures under anesthesia resulting from illness or accident. Examinations under sedation or anesthesia are also covered, even if no surgical procedure takes place.‍
• Health Insurance: Comprehensive protection including surgery benefits and general medical treatments.‍
• Dog Liability Insurance: Insurance coverage for statutory liability claims arising from bodily injury, property damage, and financial loss caused by the insured dog.

• Reimbursement Rate: Choice of 80% or 100% of costs.
• Annual Maximum Benefit: Selectable in tiers from €1,500 to unlimited.
• GOT Rate: Reimbursement up to 4 times the rate of the Fee Schedule for Veterinarians (Gebührenordnung für Tierärzte).‍
• Emergency Service: Coverage of surcharges for nights, weekends, and public holidays upon proof.

• Requirement: Only in the Health Insurance tariff with an annual limit starting from €1,500.
• Scope: Choice of €70 or €100 per year.‍
• Benefits: Covers costs for vaccinations, deworming, tartar removal, castration (without medical indication).

• Telemedicine: Unlimited free access to video veterinarians via FirstVet.
• Behavioral Therapy: Reimbursement of up to 5 hours per year, provided it is prescribed by a veterinarian.‍
• Accommodation: Up to €250 per year for pet boarding if the member spends more than 3 nights in the hospital.

• Age Adjustment: From the 10th year of life, the coverage rate for illnesses decreases annually by 5% of the original percentage.‍
• Example: An animal with 100% protection receives 90% reimbursement in the event of illness in its 12th year of life (2 years after its 10th birthday).

Note: The dog liability insurance follows an independent product logic. Sections 2–5 of this module (reimbursement rate, GOT, prevention budget, age adjustment) apply exclusively to the pet health insurance (Surgical & Health) and must not be applied to the liability insurance.

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Risk Carrier: Uelzener Allgemeine Versicherungs-Gesellschaft a.G., Veerßer Straße 65/67, 29525 Uelzen (different from Seyna SA, which is the risk carrier for the pet health insurance).

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Coverage Limit: Up to €15 million for personal injury, property damage, and financial losses per insured event.

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Coverage Logic: No reimbursement rate, no GOT logic. The insurer reviews the liability question, defends against unjustified claims, and indemnifies the policyholder from justified damage compensation obligations.

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Covered Damage Types:

• Personal injury, property damage, and financial losses caused by the insured dog.
• Rental property damage: Damage to rented apartments, rooms, and holiday accommodations caused by the dog.
• Damage caused by animal excretions.
• Damage caused by leading the dog without a leash or muzzle.
• Claims protection (Forderungsausfallschutz): Coverage of the policyholder's own claims against other private dog owners whose dogs cause damage to the policyholder.

Co-insured Persons: Family members and persons living in the same household, as well as non-commercial pet sitters.

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Territorial Scope: Worldwide, with the exception of the USA, U.S. territories, and Canada. Coverage also applies during temporary stays abroad (up to 5 years).

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No Waiting Period: Insurance coverage begins immediately from the first day — without any waiting period.

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Eligibility: All dogs insurable regardless of breed, size, and age. No microchip requirement. Excluded are fighting dog breeds according to the respective state list, as well as dogs kept for commercial or agricultural purposes.

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Claims Reporting: Via email to [email protected] or via the Dalma App. Deadline: within 8 days of becoming aware of the damage. Claims handling by Cleo & You GmbH on behalf of Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

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15% Multi-pet Discount: When insuring multiple animals with Dalma simultaneously.

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