Updated September 28, 2026 · SumCue Editorial Team
AGILA Haustierversicherung vs ARAG
AGILA Haustierversicherung
Higher score in this comparison
ARAG
Where AGILA Haustierversicherung and ARAG differ
| Compare | AGILA HaustierversicherungReviewSee alternativesSee alternatives | ARAGReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €7.43Lower | €14.73 |
| Insurance types | Pet | Home, Health, Dental, Pet, Travel, GadgetCovers more |
| Cover limit | Pet annual sum insured: 3,000 EUR (OP-Kostenschutz Basis), 5,000 EUR (Komfort), unlimited (Exklusiv) | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) |
| Claims channels | App, Customer portal, Email, Post, Vet direct billing | Online, Phone |
| 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 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes), Excess from (€0).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Founded is lower at ARAG: 1935 vs 1994.
- ARAG is available in 16 more countries.
- Premium from is lower at AGILA Haustierversicherung: €7.43 vs €14.73.
- Insurance types: only ARAG offers Home, Health, Dental.
- Claims channels: only AGILA Haustierversicherung offers App, Customer portal, Email.
- Claims channels: only ARAG offers Online, Phone.
Our verdict on each
AGILA Haustierversicherung
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.
ARAG
ARAG is a sensible pick for households that want legal expenses cover alongside home, health, dental, pet, travel and gadget policies from the same insurer, with monthly payments available. Private legal cover starts at €14.73 a month, and the site's median starting premium is €8.31, so entry price is the trade-off.
Score breakdown
| Area | AGILA Haustierversicherung | ARAG |
|---|---|---|
| Cost | 9.3HigherPremiums start at €7.43, below the pet ranking median €9, and monthly billing keeps the outlay predictable. | 9.2Private legal cover starts at €14.73 a month, the site's median starting premium is €8.31, and the excess begins at €0. |
| Offer | 9.3Higher | 9.2 |
| Trust | 9.4 | 9.6Higher |
Choosing between them
Pick AGILA Haustierversicherung if premium from matter most.
Pick ARAG if insurance types matter most.
Where each is licensed and available
| Country | AGILA Haustierversicherung | ARAG |
|---|---|---|
| Germany |
Available in 2 countries for both. Additional countries for ARAG: 16.
Where these facts come from
AGILA Haustierversicherung
- agila.de: 13 facts, checked September 26, 2026
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
How they place
| Ranking | AGILA Haustierversicherung | ARAG |
|---|---|---|
| Insurance | 109 of 627 | 115 of 627 |
| Pet insurance | 27 of 157 | 28 of 157 |
Every fact side by side
| Fact | AGILA Haustierversicherung | ARAG |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | AGILA Haustierversicherung AG (Amtsgericht Hannover, HR B 54594) | ARAG SE |
| Headquarters | Germany | Germany |
| Founded | 1994 | 1935Lower |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | AGILA Haustierversicherung | ARAG | Median |
|---|---|---|---|
| Premium from | €7.43above the median | €14.73above the median | €6.02 |
| Excess from | €0below the median | €0below the median | €70 |
Median across 116 listed providers.
Pros and cons
AGILA Haustierversicherung
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.
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.
ARAG
Pros
- Legal expenses carry an unlimited sum insured in Europe, and the excess starts at €0.
- Monthly payments are available, and support runs on email, chat and phone.
- The provider is an insurer, so ARAG SE carries the cover itself and sits under BaFin.
Cons
- The starting premium of €14.73 a month ranks 165 of 251 brands on price, so it is not an entry-level buy.
- Email and chat are not among its claims channels (online and phone), which cover online and phone.
- The entry Kompakt tier sets a fixed legal expenses limit worldwide, where the upper tier is unlimited in Europe.
Who each suits
AGILA Haustierversicherung
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.
ARAG
Who it suits
- Households that want legal expenses cover with an unlimited sum insured in Europe and an excess starting at €0.
- Buyers who will pay more than €0 for legal cover bundled with home, health and dental policies from the same insurer.
- German customers who want cover from a regulated insurer, with ARAG SE based in Germany under BaFin.
Who should look elsewhere
- Readers who only want the cheapest way in: Bunq starts at €0 and Bunq Spain at €0, both under ARAG's €14.73.
- Anyone who wants to raise a claim outside the online and phone routes, which cover online and phone.
- Households planning a claim abroad on the entry tier, since the Kompakt cover limit applies worldwide.
Current offers
AGILA Haustierversicherung
Current offer
Bonus
15 EUR wish voucher after taking out a policy: 15 EUR
Secured after concluding an AGILA policy; participation terms published as PDF (agila-teilnahmebedingungen-wunschgutschein)
Source, checked September 26, 2026
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Country by country
| Country | AGILA Haustierversicherung | ARAG |
|---|---|---|
| Belgium | No | Yes |
| Canada | No | Yes |
| Denmark | No | Yes |
| Finland | No | Yes |
| Greece | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
8 of 18 countries where either is available.
Questions about each
AGILA Haustierversicherung
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.
ARAG
How much does ARAG's private legal expenses cover cost?+
The entry premium is €14.73 a month, and monthly payments are available. That start sits above the site's median starting premium of €8.31 and places ARAG at 165 of 251 brands on price, so budget above the cheapest options before signing up.
Is there an excess to pay on an ARAG claim?+
The excess starts at €0, so there is no minimum you have to fund yourself on a legal expenses claim. Claims themselves are handled on online and phone, which means you open and track a case through those routes rather than in person.
Other options to compare
AGILA Haustierversicherung
ARAG