Health insurance for your pet will cover you if you are confronted with veterinary costs. There is a difference between costs for surgical operations and other veterinary costs. Coya covers 80% of the costs for your pet's unexpected, necessary surgical interventions.
There might be long waiting times at the vet, but not at Coya.
There is a waiting period of only one month after the beginning of the insurance. After 30 days, the full and agreed protection for you and your pet comes into force! Accordingly, there is no coverage during the first 30 days – except for car accidents.
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
…because you don’t need more worry in your life when your pet is unwell.
You never know what your pet is up to next… That's why we cover 80% of the costs for unexpected, necessary surgical procedures.
Please note: The maximum reimbursement of costs is €1,000 for the first 12 months from the start of the insurance. A maximum reimbursement of €2,000 for the first 24 months from the start of the insurance. After 24 months from the start of the insurance, we will reimburse you with a whopping €20,000.
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
That’s why we leave the choice of vet completely up to you…and your pet!
No pet likes the vet! But we can make the visit a bit easier. You get to choose what vet or vet clinic you think is best for your companion.
The only condition: The vet has to be officially enrolled as veterinarian at the German chamber of veterinary surgeon, like Tierärztekammer (TÄK) or Landestierärztekammer (LTK).
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
That’s why Coya will reimburse you €100 one-time for visits to the vet for preventative purposes.
Regular visits to the vet can help prevent or alleviate disease in older age. We will give a one-time reimbursement reimburse, up to €100, for preventive services, such as:
You will receive the Care Bonus in the form of a refund after you have been insured with Coya for 12 months.
Fun fact! You can include the Vet Coverage add-on protection to receive this bonus annually.
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
Treat yourself to the full protection. Better safe than sorry – especially when it comes to your pet.
Your pet (and you) will be feeling better soon.
We not only wish your pet a speedy recovery. We cover the following vet costs (apart from those already covered) to make it happen.
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
Free yourself from all costs and get 100% reimbursed.
No unexpected surprises. Sounds good, right?
With this add-on, there are no costs for the options you choose. In short: Coya will reimburse you 100% of the costs incurred within the scope of the covered protection.
You’ll save a lot of money that you can re-invest in treats and toys!
Do you love hard facts? Then check out the full terms and conditions of our Pet Health Insurance.
Buying insurance is easy! Simply click get offer and enter in some basic information. We will prepare your personalised offer right away that you can purchase immediately on your device. No need for any paperwork or to wait for any approvals. The next time you purchase an insurance policy with Coya, it becomes even easier. We save all your personal details to your account to make the process as streamline as possible.
You will never be locked into a fixed contract at Coya. We understand that circumstances can change and therefore enable you to cancel your plan at any time with a few simple clicks. You will get refunded to the exact day you cancel.
You can access your personal dashboard to view, edit and claim on your policies from any connected device. Our insurance offers global coverage when applicable to make sure you are protected wherever you are. If you have any specific coverage questions, feel free to check our T&Cs or get in touch for more info.
Super friendly English speaking customer service, a rarity in Germany, and really good for expats who are still learning the language. Customer service was responsive throughout the whole period and made the processing, although a bit long, a very pleasant experience. Also probably the easiest insurance company I’ve ever had to deal with.
Christian (one of our happy customers via Google reviews)
View, edit or claim on your policy whenever or wherever you are.
Simply adjust your policy coverage anytime to suit your new reality.
Loss and damage suck, we can't sugarcoat it. That's why we make it as easy as possible to claim so we can take the burden off you.
That’s simple: Yes, we insure all breeds.
One insurance policy covers one pet. Do you have more than one pet? Don’t furry...um...worry! Whether cat or dog, simply purchase another separate insurance policy for your other fluffy companion via your Coya Dashboard!
This German abbreviation stands for Gebührenordnung für Tierärzte (Fee Regulations for Veterinarians). These regulations determine which costs veterinarians are allowed to charge for a treatment of your beloved pet. Veterinarians can charge one to four times the fee, depending on the length and difficulty of the treatment.
To be on the safe side, Coya will pay up to 3 times the rate of the Fee Regulations for Veterinarians.
Yes, we are serious. We have founded Coya because we ourselves were fed up with complicated language, intransparent contracts and paperwork. You can really get covered with us in just a few minutes, view your documents online 24/7 and cancel at any time. Convince yourself!
Insured are for example
Co-insured is a health lump sum for e.g.:
When and in what amount the health lump sum is paid depends on the selected tariff and results from the insurance policy.
The sums insured for your contract are listed in the insurance policy.
Not insured are e.g. expenses for:
Download the full version of our terms and conditions:
