FOCUS vet: LUKO is one of the best cat health insurance companies in Germany

Berlin (ots) – The health insurance tariff LUKO ( Premium for cats is one of the eleven best cat health insurance 2022 according to an independent data collection by the editors of the magazine FOCUS Veterinarian. Together with online Animal insurance broker vs compare-and-save, FOCUS Veterinarian ( has researched the market in detail and put together the best rates in Germany. LUKO Premium was able to show an outstanding price-performance ratio and achieved the maximum yield of five stars for both conditions and services.

With a monthly fee of EUR 22.58 for a one-year-old cat or EUR 25.64 for a four-year-old cat, LUKO, which has been active on the German market for a few months, is one of the cheapest providers. At the same time, the range of benefits in the LUKO premium tariff is very good: For example, hip and elbow dysplasia operations are covered to an unlimited extent, taking into account the annual limit. It was precisely these diseases that were in focus. The coverage of surgical interventions (up to 20,000 euros) and dental treatment – taking into account the annual limit – in unlimited amounts is convincing at LUKO. In the service area, the editors awarded points for reimbursement of medical and treatment expenses as well as maximum reimbursement amounts for specific efforts. Luko was able to convince with the maximum rating of five stars and is therefore one of the top 5 of the eleven recommended cat health insurance companies within benefits.

Maximum points for services and conditions for LUKO

LUKO was also able to score the maximum number of points in the general conditions: the examination in the area of ​​condition included factors such as the free choice of vet, the waiting period and the contract period, as well as any deductible per treatment costs.

“We are very happy with this award, because the independent study shows that we can offer an absolutely competitive product with a top price-performance ratio. We know that owners want to protect their cats as best as possible, after all, that is what the cat is by far the most popular pet in Germany,” explains Elena Bazai, Head of Growth at LUKO.

As a digital insurer, LUKO relies on transparent and fast processes: Customers who are interested in pet insurance, for example, receive an offer for their beloved four-legged friend within two minutes and after a few simple questions have been answered. Claims can be conveniently submitted to Luko via the app, the chat is available 24/7 and claims are paid on average twice as fast as with conventional insurance companies – and all this with a completely flexible animal health insurance: A daily right of cancellation gives owners of an animal complete cost control. Thanks to the fully digital processes, LUKO can usually offer tariffs up to 25 percent cheaper and has already convinced more than 300,000 customers in France, Spain and Germany.

Excess amounts go to non-profit organizations of your choice

In addition, the young company has introduced a remuneration model that is completely new in the insurance industry: All insurance premiums come in a common pot for all insured persons, which customers are paid in the event of claims. Any money left over at the end of the year is donated to a charity of your choice. So the excess revenue is not used to increase profits.

the method of the study

The selection was based on publicly available information and took place between March 1, 2022 and April 26, 2022. The 11 best cat health insurance companies made the final lists. All offers were evaluated with a view to three different recommendation criteria, which were weighted differently in terms of percentages: the general conditions, the service and the costs. An overall score was calculated for all insurance rates considered in the test. The service area has the greatest influence on these.

About Luko

Luko is one of the largest providers of pet care insurance and is an expert in pet health. The Berlin-based company offers many tariffs for every budget. More information about animal health insurance at Luko is available here (

Press contact:

Elena Bazai / Thomas Doriath Media Relations – Luko Cover SAS +49 176 / 24 24 42 83

Luko Cover SAS Ohlauer Strasse 43 10999 Berlin

Original content from: Luko Cover SAS, transmitted by news aktuell

Press portal newsroom: news aktuell GmbH

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