AGILA Haustierversicherung review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AGILA Haustierversicherung AG is a German pet insurer for households that want veterinary cover straight from the underwriter, with premiums from €7.43 a month, an excess of €0 and monthly payments. Claims run through app, customer portal and email, so the vet can settle the bill on the spot.
Key facts
- Best for
- Monthly pet cover from the insurer itself, with direct vet billing and an excess of €0.
- Premium from
- €7.43↗
- Insurance types
- Pet↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €0↗
- Cover limit
- Pet annual sum insured: 3,000 EUR (OP-Kostenschutz Basis), 5,000 EUR (Komfort), unlimited (Exklusiv)↗
- Claims channels
- App, Customer-portal, Email, Post, Vet-direct-billing↗
- Age range
- Dogs and cats at least 8 weeks old at application; on new business dogs up to 8 years, cats up to 10 years↗
- Legal entity
- AGILA Haustierversicherung AG (Amtsgericht Hannover, HR B 54594)↗
- Headquarters
- Germany↗
- Founded
- 1994↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- agila.de
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- The risk stays with the insurer, insurer, so the underwriter pays the veterinary bill rather than a broker passing it on.
- The annual sum insured steps up across Basis, Komfort and Exklusiv, with the top tier unlimited.
- Claims can go in through app, customer portal and email, which includes direct billing from the vet.
- Support runs on email, chat and phone, so help is available by phone or chat.
Cons
- Cover stops at pet insurance, pet, so the rest of a household's policies sits elsewhere.
- The listed payment model is monthly only, monthly, which suits a steady budget rather than a single annual payment.
- On new business the age range is narrower for dogs than for cats, so an older dog is harder to place.
Who it suits
- Households in Germany insuring a dog or cat who pay monthly and want the vet billed directly.
- Owners who would rather hold the contract with the insurer, insurer, than with a broker.
- Pet owners near the top of the dog age range who take cover early, since new business admits dogs at a lower maximum age than cats.
Who should look elsewhere
- Anyone after everyday banking: bunq offers accounts rather than pet cover.
- Shoppers weighing a single premium, where Linxea lists €25, well above this entry point.
- Owners of an older dog moving provider, since new business takes dogs at a lower maximum age than cats.
Safety of your money
AGILA takes the pet risk onto its own balance sheet: insurer, not a broker selling cover on to someone else. The contract is with the company that pays the veterinary bill, and in Germany that company sits under BaFin supervision. A policy bought here is therefore backed by the underwriter itself.
Who runs it
The insurer behind the policy is AGILA Haustierversicherung AG, registered at the district court in Hannover, and it has been trading since 1994. Its home market is DE. Policyholders are served through email, chat and phone, so a question about a claim does not depend on mailing a letter.
How AGILA Haustierversicherung compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Linxea starts at €25, a starting figure well above the pet entry point here.
9.3 vs 9.0
9.3 vs 8.8bunq lists a premium from €0, an account cost rather than a pet premium, so it competes on banking rather than veterinary cover.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
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9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
Where AGILA Haustierversicherung is available
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does pet cover cost at AGILA?+
Premiums start at €7.43 a month on the cat cover, and AGILA is ranked 122 of 251 brands on that starting price. Most pet policies in the same ranking begin at €9 or more, so the entry point sits below the middle of the market. The final premium depends on the animal and the tier chosen.
Who carries the risk on an AGILA pet policy?+
The pet risk sits with AGILA itself: insurer, not a broker that resells cover to another underwriter. The contract is with the company that pays the veterinary bill, and in Germany that company is supervised by BaFin. Buyers deal with one name from quote to payout.
Is there an excess to pay on a claim?+
There is an excess of €0 on the pet cover, so a settled veterinary bill is not trimmed by a customer share. That keeps the payout straightforward at the surgery and removes the usual step of claiming back a slice of the invoice after treatment.
How do I make a claim?+
Claims run through app, customer portal and email. That list includes direct billing from the vet, so treatment can be settled with the practice instead of the owner fronting the money, plus an app, a customer portal, email and post for the documents that do not fit an app.
What does the cover actually pay out?+
Cover comes in three tiers. The annual sum insured for the pet is lowest on OP-Kostenschutz Basis, higher on Komfort and unlimited on Exklusiv, all sold on the single pet line. Owners expecting major surgery can move up rather than accept a ceiling, though the top tier carries a higher premium.
Which pets can be insured?+
The policy is written by the insurer itself, insurer, and new business is open to dogs and cats from a minimum age at application. Dogs have a lower maximum age than cats when a policy is first taken out, so an older dog is harder to place than an older cat.
How is customer support handled?+
Help runs on email, chat and phone, which covers email, chat, phone and a help centre. That matters most after a claim, when an owner needs a decision on documents quickly, and phone support keeps the conversation with the vet off the customer's own time.
Sources
- agila.de checked September 26, 2026
Backs: Founded, Insurance types
- agila.de/impressum checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Herausgeber: AGILA Haustierversicherung AG, Hanomaghof 2, 30449 Hannover; Aufsichtsbehoerde: Bundesanstalt fuer Finanzdienstleistungsaufsicht.”
- agila.de/versicherungen/hundeversicherung checked September 26, 2026
Backs: Age range, Claims channels, Support channels
“Vet invoices can be submitted in seconds via the customer portal on the website or in the AGILA customer app; submitted by email or post processing can take up to two weeks; direct settlement with...”
- agila.de/versicherungen/hundeversicherung/hunde-op-kosten... checked September 26, 2026
Backs: Cover limit, Excess from, Pricing model, Monthly payments
“Jaehrliche Versicherungssumme 3.000 EUR / 5.000 EUR / Unbegrenzt”
- agila.de/versicherungen/katzenversicherung checked September 26, 2026
Backs: Premium from
“With AGILA you can insure your cat from a monthly premium of 7.43 Euro in the OP-Kostenschutz (cat surgery cover).”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
AGILA Haustierversicherung
Monthly pet cover from the insurer itself, with direct vet billing and an excess of €0.