DOG OP PROTECTION: the first years as nix was, was even always waived the adjustment of the contribution (a few percent) always, although it is contractually in it that it is increased annually by a few percent. This was always explained annually with a short letter that they waived it due to good numbers and because nix fell before, I thought great. And our dog had to be operated in his last 10 months unfortunately 3x because of cancer, it has hit us very hard and was a very difficult time. I was afraid that there vllt problems, because so often in a short time bills came in ... But not at all, everything was paid without complaint and with a lot of understanding and condolences when dissolving the contract after death. We do not regret it and are here just at the conclusion of a new OPschutz for our new faithful companion. It is also nice to always have a direct contact person.
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Comment from pferd-versichert.de: 
