Dog Liability Insurance
Insurance Provider: Adcuri
Plan
Sum Insured
Best Benefit
Number of Dogs

What's covered

Medical Injuries to Third Parties AI GENERATED

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.

Damage to Third Parties Property AI GENERATED

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.

Damage to Rental Property and Furniture AI GENERATED

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.

Coverage for Dog Sitters AI GENERATED

Your dog sitter

If someone looks after your dog and an incident occurs, they’re also covered — provided they’re not paid professionals.

Lost Collar Replacement AI GENERATED

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.

Legal Fees Coverage AI GENERATED

Walking without leash

Even if your dog causes an incident while walking off-leash (where legally allowed), the insurance still provides coverage.

Professional Training Refund AI GENERATED

Dog schools & training

Your dog causes damage or injury during a training session or in a dog school. These incidents are included as well.

Overseas Travel Protection AI GENERATED

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

Dogs breeds that are considered dangerous AI GENERATED

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 AI GENERATED

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 AI GENERATED

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 that occurred over a long period AI GENERATED

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.

Frequently asked questions

Does my dog have to be on a leash to be covered?+
You don’t have to keep your dog on a leash at all times for your insurance coverage to be valid. This is not the determining factor for your insurance company’s decision to cover the damage. Even if your dog runs into the road and causes an accident, your insurance will still cover the damages.
Is my dog covered when a dog sitter takes care of him?+
Yes, your dog sitter is covered under your dog liability insurance — as long as they’re not caring for your dog on a professional or paid basis. If they are, they would need to have their own insurance.
How many dogs can I insure?+
You can insure as many dogs as you like. In the calculation tool above you are limited to a maximum of 3 dogs. Should you have more, simply write us an email and receive an individual offer from us.
What happens if my dog gets puppies?+
As long as the puppies remain in your care, they are automatically covered together with their mother — free of charge for up to 12 months.
Is my rented apartment also insured?+
Yes, your dog liability insurance covers damage to your rented apartment, for example, scratched doors or damaged walls — as well as other rented items, such as holiday homes or furniture. You're even covered if the damage happens while you're not present.
Is it mandatory to have dog insurance in Germany?+
Yes. It is mandatory in many regions of Germany (incl. Berlin, Niedersachsen, Hamburg, Schleswig-Holstein, Thüringen, Sachsen-Anhalt) as well as other countries.