Cleos Welt review
Updated October 17, 2026 · SumCue Editorial Team
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Our verdict
Cleos Welt is a pet insurer with health, surgery, travel and liability options across dogs, cats and many smaller species. It suits households wanting broad animal cover through a digital service, including accident protection from the first day and care for breed related conditions.
Pros and cons
Pros
- Covers dogs, cats, small pets, birds and several reptile species
- Offers health, surgery, travel and liability options for animals
- Includes breed related conditions plus dental and beak treatment
- Protects after accidents from the first day of cover
Cons
- Range centres only on pets, with no cover beyond animal needs
Who it suits
- Dog and cat owners wanting health and surgery cover
- Keepers of small pets, birds and reptiles
- Owners wanting travel and liability choices for animals
Who should look elsewhere
- Households looking for insurance outside pet needs
Our full take
Cleos Welt offers pet insurance for dogs, cats, small animals and other pets, including health, surgery and liability cover. Its dog health insurance reimburses up to 100% of vet costs up to 4 times the fee schedule (GOT), with an annual preventive-care budget of up to 250 EUR.
How Cleos Welt compares
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Frequently asked questions
Which animals does Cleos Welt cover?+
Cleos Welt covers dogs and cats alongside guinea pigs, budgies and other small pets. Reptile keepers can find options for snakes, turtles, chameleons and further reptiles. Spiders and insects are also included within selected liability and health choices for smaller species.
What kinds of pet insurance are available?+
The range covers health protection for dogs, cats and small animals, with surgery choices for dogs and cats. Travel choices support trips with dogs and cats, while liability choices address harm involving dogs, snakes, reptiles, spiders and insects. Dental and beak treatment forms part of the small animal approach.
How do you manage a policy online?+
Policy business is handled through a digital insurance platform with an online portal. The portal supports applications, administration and access to policy documents from home. A certificate from TÜV Saarland recognises the portal for user friendliness and security.
How does dog liability cover work?+
Dog liability protection responds when your dog injures other people or damages property belonging to others. It also addresses financial loss that follows such an event. Damage connected with rented accommodation is included, so tenants gain protection for everyday living situations.
Who is the cover designed for?+
The offer is aimed at owners of dogs, cats and small animals who want full protection for their pet. The central idea is all-round cover for the animal, so owners can look at the range for protection that covers the whole animal rather than a single event.
Sources
Compiled from 2 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Premium from, Provider type, Monthly payments.