Dog Liability Insurance
Get your personal quote for dog liability insurance in just a few clicks.
Why dog liability insurance matters
As a dog owner, you are legally and financially responsible for your dog's behaviour, even if an incident happens unintentionally. Whether it's chasing a cyclist, damaging property, or causing injury, dog liability insurance protects you from unexpected costs and gives you peace of mind in everyday life.
Worldwide coverage
Your dog is covered worldwide, no need to pay extra.
Best benefit guarantee
Includes any claim covered by other German dog liability insurers.
Flexible duration
Stay in control, cancel daily after the first year.
Dog Liability Insurance in Germany
Protect yourself if your dog causes injury or damage to others.
1. Select number of dogs to be insured
2. Customize coverage
3. Confirm your dog's breed
4. Select your plan
Top Protection
Coverage: 10 Mio. €
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market, carefully selected to provide optimal protection.
Easy digital signup
Do you prefer a simple process? Everything is handled fully digital, no paperwork, everything in English.
Personal support
Your personal advisor is always at your side, ready to help with any questions or concerns.
What's covered
Personal injuries
Your dog is full of energy and accidentally bumps into a cyclist, causing them to fall and hurt themselves. Your insurance covers all medical costs and compensation claims.
Property damage
Your dog gets overly excited and damages a guest’s clothing, furniture, or other personal property. Your insurance will cover it and pay for cleaning, repair or replacement of the item.
Rented property
Your dog damages the floor in your rented apartment or chews on the rented couch. Your insurance will pay for the damage caused.
Your dog sitter
If someone looks after your dog and an incident occurs, they’re also covered — provided they’re not paid professionals.
Financial loss
Your dog causes a delivery cyclist to crash. The policy covers damage to goods and financial loss, including loss of income due to an injury.
Walking without leash
Even if your dog causes an incident while walking off-leash (where legally allowed), the insurance still provides coverage.
Dog schools & training
Your dog causes damage or injury during a training session or in a dog school. These incidents are included as well.
Worldwide coverage
Traveling with your dog abroad? Whether you're on holiday in France or visiting family in the US — the policy covers damages caused by your dog worldwide.
What's not covered
Purebred dogs that are classified as dangerous
Here you’ll find a detailed list of dog breeds classified as high-risk, which are excluded from coverage.
Damage to your own property
Damage your dog causes to your own furniture, electronics, or other personal belongings inside your home is not covered.
Broken glass in your own home
If you're renting a flat and your dog accidentally breaks a window or glass surface in your home, this type of damage is excluded from coverage.
Damage due to wear and tear
Damage that develops gradually over time, such as scratches on parquet floors or worn carpets caused by your dog, is not covered by pet liability insurance. This is considered normal wear and tear.
You know what’s covered – now secure what matters.
Enjoy the security of knowing your valuables are protected.
Let Anna explain
Not sure what’s covered or if private health insurance is the right option for you? Anna explains everything you need to know about the private health system, clear and simple.
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Frequently asked questions
Got the answers you need? Let’s get you protected.
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