#GOT Articles

AGILA, a Hannover insurer for dogs and cats only, lists health cover from €20.18 a month for dogs and €14.10 for cats, and surgery cover from €7.85 and €7.43 (October 30, 2026). All plans pay up to 4x the German GOT fee scale, with a one-month wait, a six-month wait for listed diseases and entry limits of 8 years for dogs and 10 for cats. Allianz (relaunched February 4, 2026), Swedish-owned Lassie and Figo, a trade name for AGILA's own insurance, are compared, plus Animalia and Helvetia's wau-miau in Switzerland.

Every German vet bills from the federal GOT fee schedule: a dog or cat exam is €23.62 at the simple rate, charged at 1× to 3× in normal hours and 2× to 4× plus a €50 net fee in night, weekend or holiday emergency service, with 19% VAT on top. Worked GOT examples including VAT: standard visit €28–84, dog blood test €142–425, basic dental cleaning €143–430, tomcat castration €106–317. No new GOT is in force in 2026; the federal evaluation's results are expected at the end of 2026.