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The difference between comprehensive pet insurance (pet health insurance) and pet surgery insurance lies in the scope of the services covered:

Surgical insurance provides basic protection against the greatest financial risk. Comprehensive insurance offers all-around protection that also covers everyday veterinary costs.

1. Pet surgery insurance (limited coverage)

As the name suggests, surgical insurance covers only the costs directly related to an operation :

PerformanceCoverage through surgical insurance
Operations✅ Covered: Costs for the surgical procedure itself (under anesthesia), regardless of whether due to accident or illness.
Pre- and post-treatment✅ Covered: Necessary diagnostics directly before the operation (e.g., final examination, X-ray) and aftercare (e.g., suture removal, medication) for a limited period (e.g., 10 to 30 days).
Inpatient care✅ Covered: The stay in the veterinary clinic directly after the surgery.
Outpatient treatments❌ Not covered: Routine veterinary visits (e.g., for gastrointestinal problems, allergies, coughs).
Prevention❌ Not covered: vaccinations, deworming treatments, tartar removal, check-ups.
CostCheaper than full insurance.

2. pet insurance (full protection / health insurance)

Comprehensive pet insurance (also called pet health insurance) is the all-inclusive package. It always includes surgical coverage and extends it to cover the costs of all other treatments:

PerformanceFull insurance coverage
Operations✅ Covered: Full surgical protection is included.
Outpatient treatments✅ Covered: All veterinary visits due to illness or accident that do not require surgery (e.g., medication, diagnostics, physiotherapy, chronic diseases such as diabetes).
Prevention✅ Often covered: Many plans offer an annual budget for vaccinations, deworming treatments, dental prophylaxis, etc.
CostSignificantly more expensive than pure surgical insurance.

 

Conclusion regarding the decision:

situationRecommended insuranceReason
They only want to protect themselves from the highest, unpredictable costs (operations) and pay for routine visits themselves.Surgical insuranceAffordable premium, covers the largest individual bills.
They want to protect themselves against all veterinary costs (surgeries and routine care) and have financial planning security.Full insuranceComprehensive protection, also covers more frequent, small bills.
Insurance expert Roland Richert. Changed status to publish