AGILA Haustierversicherung Reviews 

I had an extremely disappointing experience with AGILA Haustierversicherung.

My dog received a completely routine dental cleaning. There was no illness, no pre-diagnosed dental disease, and no pre-existing condition except a bit of plaque. Nevertheless, AGILA refused reimbursement even though the procedure outside of the during the waiting period. What makes this especially frustrating and ridiculous is the wording of their response: they now exclude all future dental treatments connected to this issue, despite there never having been a diagnosed dental disease in the first place.

Equating a standard preventive dental cleaning with the diagnosis of an actual disease is absurd. Preventive care should not suddenly become an excluded “illness” simply because a vet looked at the teeth before treatment.

This feels like a classic example of an insurance company searching for technicalities to avoid ever paying legitimate claims. Very disappointing and honestly damaging to trust in pet insurance overall.

I would strongly recommend never choosing this company as they will end up not paying for what you reasonably try to claim.

You price will be increased every year.

When we made an insurance in Agila 7 years ago - we paid exactly the amount of money that you can see on the site. They started increasing the price after my dog was 5 years old. The most important part - they don't update the site. When you try to check the price for the dog 6 years old - you will see the price X on the site, but you will pay more. When I tried to get the answer why I should pay more than they have on the site - the answer: inflation. When I try to ask - why don't you update the site - no answers.

As a result - if you use the insurance from Agila for the first 5, maximum 7 years - you will be happy. Later - be careful, the price can jump up to 2-2.5 times more.

Super Service

Klare, direkte Menüführung (web ui führung). Apparently solid money for value equation.
Happy, friendly user experience with concise and relevant communication.

First time user it was very simple and easy to upload my invoice.

Schnell und einfach
User-friendly App

No customer service for the existing customers (the contact number NEVER answers after the digital answering system).
They close the chat on your face once you tell them you are an existing customer.
Cancelled our contract after our dog died. They extended it regardless and we will pay 9 months and we don't have our dog. It is absolutely a rip-off. Better to go with a company where they have offices!!!

I have been waiting more than 3 months for my claims to be reimbursed.
I already received the email saying the reimbursement was approved by them and I should send my bank details. I already sent my data more than once for all the claims they have already approved.
I Tried to get in contact through their app form and nothing. I have been paying correctly every month.
Very sad since all my friends don’t have any problems with them and had recommended them highly.

The annual price increased by over 44% although the contract was for a fixed sum until 2024 (for the same age category). I recommend checking your own policy to see until when it is valid and at what price. If your contract did not expire this year, then...
More than a wave of cancellations, what helps is if each client files a complaint with one or more consumer protection agencies in Germany (info at Versicherungsombudsmann) and Austria (info at Verein für Konsumenteninformation) or EU (Online Dispute Resolution). When more complaints against the same company are filed, consumer protection agencies will start investigating and, based on findings, can decide to take action against the insurance company when contracts are not respected and/or consumers are being abused.
The complaint procedure in this case is simple: send your contract/policy and the letter/email informing you about the price increase (if you received one), minding all timelines, to the respective agency and your complaint (wish that the insurance respects its contract and wish to join others in their complaint against the same company).
Losing customers can hurt a company, but what teaches it a lesson is joint consumer efforts into correcting predatory and greedy behaviours.
Maybe it takes a bit of time and a few phone calls/emails but our pets fully deserve it.

I have registered my cat for insurance with Agila and have been waiting for an answer for over a month. They haven't answered any of my emails, they haven't sent the policy or conformation documents, and my cat still doesn't have insurance cover. I will be looking for insurance elsewhere.

They don't reply to the claim nor emails. I'm pending for my claim more than a month, still not a single message from them

Agila is an absolutely lovely pet insurance company. I've been with them for over a year now and they were willing to take on my senior dog after I relocated to Germany. The joining process was very easy! Their communication is clear and so is uploading the expenses process. I strongly recommend Agila as a pet insurance company.

Do not use this insurance company. There is a lot of conditions in the tiny fine print that you only find out about when you try to get money back from treatments for your pet. For example there is a three month waiting period where they don't refund any treatments that is not life threatening, you only have 1-2 days to hand in a receipt from a treatment, otherwise they won't refund you, etc. It is very expensive, the service is very poor, and they are basically scamming you of money month after month. I would quit the contract as soon as possible, but unfortunately you are obliged to pay for a whole year once you sign the contract. Just as terrible as many other German companies. Don't get fooled!