PANDA InsurTech
Digital pet insurance for dogs and cats in Germany, combining complete process digitalization with integrated veterinary telemedicine
Overview
PANDA InsurTech is a German pet insurance MGA offering direct-to-consumer health and surgical protection coverage for dogs and cats. Founded in 2021 and headquartered in Berlin, the company runs a fully digital insurance platform under the motto "digital. verlasslich. nachhaltig" (digital. reliable. sustainable), serving German pet owners through an automated, paperless process regulated under BaFin.
The company writes pet insurance programs through capacity provided by InterRisk Versicherungs-AG, a member of the Vienna Insurance Group. This carrier relationship began in February 2025 following a transition from ELEMENT after a brief pause in new business acceptance in late 2024. PANDA designs and manages its own branded products covering veterinary surgeries, diagnostics, medications, and alternative therapies, with full authority over customer onboarding, claims handling, and policy servicing.
PANDA distributes exclusively through its own digital channels, with no broker intermediary. With roughly 13 employees, the company has focused its differentiation on telemedicine access through a partnership with Pfotendoctor, which gives policyholders 24/7 online veterinary consultations. In 2025, the company received the Deutscher Fairnesspreis (German Fairness Prize) as the overall winner in the pet insurance category.
Products & Services
OP-Schutz (Surgical Protection)
Basic surgical protection for dogs and cats covering veterinary surgeries under the German veterinary fee schedule (GOT-Satz).
Key Features
- Coverage up to 100% of veterinary surgery costs at 4x GOT-Satz
- Dogs from EUR 9.08/month; cats from EUR 3.26/month
- No waiting period for accident-related surgeries
Target Users: German pet owners seeking entry-level surgery coverage
Distribution: Direct to consumers via company website and customer portal
Krankenvollschutz (Full Health Coverage)
Comprehensive health insurance for dogs and cats covering diagnostics, medications, surgery, physiotherapy, and alternative therapies.
Key Features
- Diagnostics, medications, surgery, physiotherapy, acupuncture, and chiropractic
- Dogs from EUR 28.64/month; cats from EUR 29.17/month
- Budget doubling for claim-free years
- International coverage extending up to 12 months abroad
Target Users: German pet owners seeking broad health coverage
Distribution: Direct to consumers via company website and customer portal
Veterinary Telemedicine (Pfotendoctor)
Integrated 24/7 online veterinary consultation service for dogs, available through the PANDA customer portal.
Key Features
- 24/7 online access to licensed veterinarians via the Pfotendoctor platform
- Available directly within the PANDA customer portal
- Direct billing with participating veterinary practices eliminates upfront costs
Target Users: PANDA policyholders requiring immediate veterinary guidance
Distribution: Included with active PANDA policies
At a Glance
- Founded
- 2021
- Headquarters
- Berlin, Germany
- Employees
- 11-50
Category & Focus
Links
Last updated: 2026-07-15