New Pet Insurance Covers Vet Bills Up to 4x the Fee Schedule
Munich – October 28, 2026 -- Dog and cat owners can now insure vet bills at up to four times the official fee schedule: Münchener Verein has launched two pet health tariffs, "HundGesund" and "KatzeGesund", each with an optional surgery-only version.
The insurer cites rising vet costs. It points to the 2022 revision of the German veterinary fee schedule (GOT) and to more advanced treatment methods in veterinary medicine.
Two cover levels, two product types
Customers choose between full health insurance and surgery-only insurance. Each comes in two variants. "Premium" offers unlimited cost coverage, while "Kompakt" covers costs up to 3,000 euros per year. Reimbursement reaches up to four times the GOT rate, which matters for emergency treatment in animal clinics.