# Cleo's World
> Von Tierfreunden, fur Tierfreunde \(By pet lovers, for pet lovers\)
## At a glance
| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Hamburg, Germany |
| Founded | 2023 |
| Employees | 11-50 |
## Overview
Cleo's World (legal entity: Cleo & You GmbH, brand name "Cleos Welt") is a digital pet insurance MGA based in Hamburg, Germany, targeting dog and cat owners aged 18 to 45. The company distributes products through direct online sales, price comparison portals such as CHECK24, white-label partnerships, and embedded insurance solutions. It launched its first products in January 2024.
Cleos Welt holds full binding authority with Uelzener Versicherung serving as the risk carrier across all product lines. Uelzener Allgemeine Versicherungs-Gesellschaft a.G. -- Germany's oldest specialist pet insurer with over 150 years of experience -- co-founded the company alongside You Are We Beteiligungsgesellschaft GmbH in July 2023. As of October 2025, Uelzener VVaG became the sole shareholder following a capital increase.
The company reached EUR 10 million in annual premium income in under two years from market launch and has insured over 50,000 pets as of 2025. Products are distributed via direct sales, price comparison platforms, employer benefit programs, and white-label partnerships. Cleos Welt also provides operational claims management for partner brands, including French insurtech Dalma for its German market entry.
## Products & services
### Dog Health Insurance \(Hundekrankenversicherung\)
Comprehensive health coverage for dogs in three tiers: Basis, Standard, and Rundumschutz (comprehensive). Covers illness, accidents, surgery, and telemedical services. Upper tiers include dental treatment and alternative medicine.
**Key features:**
- Three\-tier coverage from basic illness/accident to unlimited comprehensive
- Telemedical vet consultations \(Pfotendoctor\) included
- Alternative medicine in Standard and Premium tiers
- Pricing from approximately EUR 23\.99 per month
*Target users:* Dog owners in Germany
*Distribution:* Direct online, price comparison portals \(CHECK24\), agent portal
### Dog Surgery Insurance \(Hunde\-OP\-Versicherung\)
Covers surgical procedures, clinic care, and post-operative treatment up to 15 days. Standard and Premium variants include dental extractions and physiotherapy.
**Key features:**
- Surgical and post\-operative clinic care
- Dental extraction and physiotherapy \(upper tiers\)
*Target users:* Dog owners in Germany
*Distribution:* Direct online, price comparison portals
### Dog Liability Insurance \(Tierhalterhaftpflicht\)
Third-party liability coverage up to EUR 30 million for damages caused by dogs. Includes veterinary costs for injuries inflicted by other dogs and coverage for poisoning incidents.
**Key features:**
- Up to EUR 30M third\-party damage coverage
- EUR 2,500 vet costs for dog\-on\-dog injuries
- EUR 5,000 poisoning/poison\-bait incident coverage
*Target users:* Dog owners in Germany
*Distribution:* Direct online, price comparison portals
### Cat Health Insurance \(Katzenkrankenversicherung\)
Health insurance for cats in multiple coverage tiers, covering illness, accidents, and surgery. Pricing from approximately EUR 25.34 per month.
**Key features:**
- Multi\-tier coverage for illness and accidents
- Surgical coverage included
- Telemedical consultations
*Target users:* Cat owners in Germany
*Distribution:* Direct online, price comparison portals
### Cat Surgery Insurance \(Katzen\-OP\-Versicherung\)
Surgical coverage for cats with post-operative care.
**Key features:**
- Surgical procedures and post\-operative treatment
*Target users:* Cat owners in Germany
*Distribution:* Direct online, price comparison portals
### Small Animal Insurance \(Kleintierversicherung\)
Launched May 2025, covering birds, reptiles, and small mammals including rabbits, guinea pigs, hamsters, and chinchillas.
**Key features:**
- Unlimited insured sum
- Up to 30 days post\-treatment coverage
- EUR 200 preventive care allowance \(vaccinations, health checks, parasite treatment\)
- Dental/beak treatment and castration coverage for small mammals
- Pricing from EUR 6\.99 per month
*Target users:* Small animal owners in Germany
*Distribution:* Direct online
### SOS Protection \(SOS\-Schutz\)
Standalone coverage launched July 2024 for pet owners with older or previously ill animals who do not qualify for standard health insurance. Developed in partnership with ROLAND Schutzbrief and Pfotendoctor.
**Key features:**
- Fully digital, simple product
- Accessible to pets excluded by traditional insurers
- Telemedical and assistance services included
*Target users:* Pet owners with high\-risk or excluded animals in Germany
*Distribution:* Direct online
### Business Employer Pet Insurance \(Betriebliche Tierversicherung\)
Corporate benefit product allowing employers to offer pet insurance to employees. Minimum enrollment of five employees. Covers up to two pets per employee regardless of age or pre-existing conditions.
**Key features:**
- Covers all employees including executives and volunteers
- Up to two pets per employee with no age or pre\-existing condition exclusions
- Group enrollment with simplified administration
*Target users:* German employers \(minimum 5 employees\)
*Distribution:* Direct B2B sales
### White\-Label Platform Solutions
Cleos provides its digital platform and insurance operations to third parties under white-label arrangements. The company manages claims processing for partner brands. Co-branded example: "DTW Protect" launched exclusively with Deine Tierwelt, Germany's largest pet placement platform.
**Key features:**
- Full platform licensing and operational claims management
- API integration via agent\.cleos\.de portal
- Co\-branded or white\-label product options
*Target users:* Pet platforms, insurtechs, and brokers seeking digital pet insurance capabilities
*Distribution:* B2B partnership sales
## Links
- Website:
- Directory profile:
- Careers:
- Linkedin:
- Press/news:
- Agent portal:
- Customer portal:
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*Last updated: 2026\-06\-21*