Uelzener Versicherungen

What Uelzener Versicherungen does

Uelzener Versicherungen (legal name: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.) is a German mutual insurance company headquartered in Uelzen, Lower Saxony, specializing in animal insurance with supplementary personal lines. Founded in 1873, the company offers over 150 years of continuous specialization in insurance for horses, dogs, cats, small animals, and livestock, supplemented by personal liability, household contents, accident, and hunting insurance for individuals, as well as business liability and loss-of-income coverage for animal-related commercial operations. Its product portfolio is organized around base policies (surgical/OP and comprehensive health/Kranken) with modular add-ons (dental, preventive care, burial expense, multi-animal group, legal protection, rider accident), priced on a recurring subscription basis ranging from approximately €6.97/month (cat OP) to €42.79/month (dog health). The company reports 5M+ insured animals and approximately 300 employees, governed by a three-member executive board (Vorstand) and regulated by BaFin.

The technology stack is a digital insurance platform built around online tariff calculators, a customer self-service portal for policy and claims management, and an AI-powered voicebot (via Parloa GmbH) that converts speech to text for automated inquiry routing. Distribution is multi-channel: direct online sales, a field sales network of German insurance brokers and agents (Mehrfachagenten and Versicherungsmakler) supported by a partner extranet, and brand-building via social media, content marketing through an online magazine, and a brand ambassadorship with Olympic equestrian Julia Krajewski. Revenue is generated almost entirely through recurring insurance premiums, with no external shareholders as the entity operates as a mutual insurer (a.G.), and three wholly-owned subsidiaries extend scope into legal claims handling (Uelzener Rechtsschutz Schadenservice GmbH), risk management (RISK-Management GmbH), and animal-owner services (Tier und Halter GmbH). Operations are confined to the German domestic market.

Name

Uelzener Versicherungen

Legal name

Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Website

https://uelzener.de

Company type

Private

Founded year

1873

Operating status

Operating

Headcount range

251–500 employees

Short description

Uelzener Versicherungen is a 150-year-old German mutual insurer specializing in pet and animal insurance — surgical, health, liability, and life coverage for horses, dogs, cats, and livestock — serving over 5 million insured animals via direct digital and broker channels across Germany.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

General Liability Insurance (FSAJAKAD)

Keywords

• Pet insurance
• Horse insurance
• Animal health insurance
• Livestock loss-of-income insurance
• Personal liability insurance

Headquarters

HQ city

Bonn

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Pet Insurance Premiums: Core revenue from insurance premiums for horses, dogs, cats, and small animals. Includes OP (surgical), health insurance, liability, accident, legal protection, and life insurance products. Revenue generated through recurring subscription premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Uelzener Versicherungen is a German mutual insurance company (Uelzener Allgemeine Versicherungs-Gesellschaft a.G.) that underwrites and distributes subscription-based insurance policies focused on animals and animal-related personal lines. Core offerings include surgery (OP) and comprehensive health (Kranken) insurance for horses, dogs, and cats; liability, accident, legal protection, and life insurance for animal owners; specialized policies for animal-related professions and businesses; and small personal lines (private liability, home contents, accident, hunting). Policies are sold direct-online via tariff calculators and through a broker/agent partner network.

Product overview

Uelzener Versicherungen is a specialized pet and animal insurance provider with a diversified portfolio organized by animal species and coverage types. The core product lines center on surgical (OP) and health (Kranken) insurance for horses, dogs, and cats, with the horse surgery insurance as a flagship product dating back to the company's founding. The product architecture consists of base insurance policies (core products) with modular add-on coverage options that customers can layer on. For dogs and cats, the offering includes OP-Versicherung (surgery-only), Krankenversicherung (comprehensive health), and specialized coverage like dental insurance for cats and multi-dog/multi-cat group policies. For horses, coverage extends beyond health to include liability, accident, legal protection, life insurance, and even short-term policies for transport, castration, pregnancy, and foals. The company also serves commercial operations (livestock farms, horse boarding facilities, dog training schools) with business liability and income protection products, and offers personal insurance products (private liability, home contents, accident) with special provisions for animal owners. The portfolio is anchored by the OP-Versicherung products for the three main animal categories, supplemented by the more comprehensive Krankenversicherung (full health insurance) products.

Differentiator

Problem solved

Functional benefit

Products and services

• Pferde-OP-Versicherung (Horse Surgery Insurance) Surgery insurance for horses covering procedures under standing or full anesthesia, including 3 days of pre-treatment and 17 days of post-treatment coverage. Offers 100% reimbursement regardless of the GOT veterinary rate, free veterinarian choice, and worldwide coverage.
• Hunde-OP-Versicherung (Dog Surgery Insurance) Surgery insurance for dogs covering operations under full anesthesia, with cost reimbursement up to 100% regardless of the GOT tariff rate, all operations insurable, free veterinarian choice, and worldwide coverage. Starting at €15.36/month.
• Katzen-OP-Versicherung (Cat Surgery Insurance) Surgery insurance for cats covering operations under full anesthesia with up to 100% cost reimbursement, including 3 days of pre-treatment and up to 42 days of post-treatment, with no annual reimbursement limit required. Starting at €6.97/month.
• Hunde-Krankenversicherung (Dog Health Insurance) Comprehensive health insurance for dogs covering outpatient and inpatient treatments, surgeries, medications, diagnostics, and emergency fees, with 100% reimbursement possible regardless of the GOT tariff. Includes foreign coverage, poison-bait protection, rehabilitation, special surgeries, telemedicine, and optional Vorsorge and Sterbegeld add-ons. Starting at €42.79/month.
• Pferde-Krankenversicherung (Horse Health Insurance) Comprehensive health insurance for horses covering all veterinary treatments for illness and injury beyond surgery.
• Katzen-Krankenversicherung (Cat Health Insurance) Comprehensive health insurance for cats covering medical treatments beyond surgery, with the optional Gesundheit PLUS add-on module.
• Katzen-Zahnversicherung (Cat Dental Insurance) Specialized dental insurance module for cats covering dental treatments and procedures, available as a standalone dental product with its own product page.
• Herden-OP-Versicherung (Herd Surgery Insurance) Group surgery insurance for horse herds covering multiple horses under a single policy, suitable for sport horses, breeding horses, or hobby herds.
• Mehrhunde-OP (Multi-Dog Surgery Insurance) Surgery insurance option for households with multiple dogs, covering all dogs under one policy.
• Pferde-Haftpflichtversicherung (Horse Liability Insurance) Liability insurance for private horse owners covering damages caused by the horse to third parties; mandatory in many German states.
• Hunde-Haftpflichtversicherung (Dog Liability Insurance) Liability insurance for dog owners covering legal requirements, which is mandatory in many German states.
• Hundehalter-Schutz (Dog Owner Protection) Additional protection module for dog owners covering legal costs and liabilities specific to dog ownership.
• Reiter-Unfallversicherung (Rider Accident Insurance) Accident insurance specifically designed for horse riders covering injuries while riding.
• Pferdehalter-Rechtsschutz (Horse Owner Legal Protection) Legal protection insurance for horse owners covering legal costs related to horse ownership.
• Pferde-Lebensversicherung (Horse Life Insurance) Life insurance policy for horses providing financial protection in case of death.
• Kurzfristige Versicherungen (Short-term Insurance for Horses) Short-term insurance products for horses covering transport, castration, pregnancy, and foals.
• Privathaftpflichtversicherung (Private Liability Insurance) Personal liability insurance for individuals, including coverage for riding on foreign horses.
• Hausratversicherung (Home Contents Insurance) Home contents insurance providing personal property coverage for policyholders.
• Unfallversicherung (Personal Accident Insurance) Personal accident insurance for individuals, including coverage for riders.
• Jagd-Versicherungen (Hunting Insurance) Specialized insurance for hunting activities, including hunting liability coverage for hobby and professional hunters.
• Versicherung für Tierberufe (Professional Animal Handler Insurance) Professional liability insurance for animal-related occupations including riding instructors, horse therapists, trainers, and professional pet sitters.
• Betriebshaftpflicht Pferd (Horse Business Liability Insurance) Business liability insurance for horse operations including horse pensions and riding facilities.
• Betriebshaftpflicht Hund (Dog Business Liability Insurance) Business liability insurance for dog-related businesses including dog schools and dog boarding facilities.
• Ertragsschadenversicherung Rind (Cattle Loss-of-Income Insurance) Loss-of-income insurance for cattle farming protecting against financial losses from disease, accidents, or theft.
• Ertragsschadenversicherung Schwein (Pig Loss-of-Income Insurance) Loss-of-income insurance for pig farming protecting against financial losses from disease, accidents, or theft.
• Vorsorge-Baustein (Preventive Care Add-on Module) Preventive care add-on module for dog health insurance covering up to €500/year for prophylactic treatments including vaccinations, blood checks, dental cleaning, and Tractive tracker subscription reimbursement up to €60/year. €19.67/month.
• Sterbegeld-Baustein (Burial Money Add-on Module) Burial-expense add-on module for dog health insurance providing €500 in year 1, €1,000 in year 2, and €1,500 from year 3 onwards upon death from insured illness, surgery, accident, or old age. From €8.78/month.

Quantifiable outcome

• 86% of pet owners prioritize pet needs over their own; 90% would forgo vacation for expensive vet care (2026 pet study)
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature2 records

Partnerships

Ten partnerships are on record, tiered core, minor and flagship.

• Parloa GmbHcoreTechnology or IntegrationVoicebot technology provider for AI-powered phone customer service, converting speech to text and text responses to audio for automated customer inquiry handling.
• Deine-Tierwelt GmbHminorGTM or Marketing PartnerPartner company for pet-related services and customer acquisition.
• pferde.de Dienstleistungen GmbHminorGTM or Marketing PartnerHorse-related service partner for customer referrals and services.
• Julia KrajewskiflagshipStrategic or Co-development PartnerOlympic equestrian champion as brand ambassador providing content about horse care, training, and insurance importance. Conducted training sessions and educational content.
• Rehahunde Deutschland e.V.minorOthersSupported charity providing rehabilitation dogs for people with disabilities.
• VITA Assistenzhunde-VereinminorOthersAnnual donation recipient supporting assistance dog partnerships between humans and dogs.
• OTTER-ZENTRUM HankensbüttelminorOthersNature partner through 'Naturpartner Deutschland' business network supporting otter conservation.
• IKV e.V.minorOthersSustaining member supporting industry association for cattle farming.
• RISK-Management GmbHcoreOthersWholly-owned subsidiary company.
• Tier und Halter GmbHcoreOthersWholly-owned subsidiary company.

Scale indicators4 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Embrace Pet Insurance: Embrace is a US specialty pet health insurance carrier offering accident, illness, and wellness coverage with a digital-first distribution model. Its pure-play focus on pet health insurance and modular add-on structure mirrors Uelzener's product architecture.
• Nationwide Pet Insurance: Nationwide offers the largest US pet insurance book through employer benefit programs and direct channels, with comprehensive medical and wellness coverage for dogs, cats, and other animals. Comparable to Uelzener in product depth and cross-species coverage, though at much larger scale.
• Petplan (Allianz): Petplan is one of the largest pet insurance brands globally, now operating under Allianz ownership. It offers comparable pet health and accident insurance products to dog, cat, and other pet owners, making it a direct peer in terms of product category, customer base, and distribution approach.
• Agila Tierversicherung: Agila was Germany's leading direct pet insurance specialist, now owned by VHV Versicherungen following a 2018 acquisition reportedly valued at several hundred million euros. It is the closest direct competitor to Uelzener in the German pet OP and Krankenversicherung market with overlapping product structures (dog, cat, horse surgery and health insurance).
• Trupanion: Trupanion is a publicly traded North American pet medical insurance company offering direct-to-consumer policies with similar product structure to Uelzener's OP and Krankenversicherung lines. As a specialty pet insurance pure-play, it provides a useful capital-markets benchmark for Uelzener's business model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCJ12YNVgUozD3g1jdGwye3g
• Facebookfacebook.com/Uelzener
• LinkedInlinkedin.com/company/uelzener-allgemeine-versicherungsgesellschaft-a-g/posts/?feedView=all
• Instagraminstagram.com/uelzener
• TikToktiktok.com/@uelzener

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Uelzener Versicherungen