Cleos Welt

Overview

Cleos Welt is a direct-to-consumer pet insurance carrier headquartered in Hamburg, Germany, operating as Cleo & You GmbH. The carrier offers tiered health and surgical coverage for dogs, cats, small animals (rabbits, guinea pigs, hamsters, birds, reptiles), and exotic pets, alongside liability insurance products and a 24/7 video veterinarian service embedded in the policyholder platform.

The company launched in December 2023 as a joint subsidiary of Uelzener Versicherungen a.G. -- an established German pet insurance mutual -- and You Are We Beteiligungsgesellschaft GmbH. The core insurance platform runs on Sapiens SCIPSuite, an enterprise policy administration stack that enabled initial market launch within three months of implementation. A telehealth component connects policyholders with licensed veterinarians by video around the clock, combining insurance coverage with on-demand remote medical guidance.

Within approximately two years of launch, Cleos Welt surpassed EUR 10 million in annual gross written premium and covers more than 50,000 pets. The carrier distributes through direct digital channels, veterinary practices, breeders, comparison portals including Check24 (where it holds a 1.0 customer satisfaction score), and white-label partnerships with pet platforms such as Deine Tierwelt, Germany's largest pet placement marketplace.

Overview

At a Glance

Category & Focus

Links

Similar Companies