Ouch, that hurt. Ferdi is still raging with the stick over the field and now he is screaming out of his throat. You rush to him so you can comfort your darling. What happened? The stick is broken on the floor, your dog is bleeding from the mouth. Presumably he has snapped the stick on impact with the ground and it is splintered in his mouth. He may have sustained injuries in the muzzle or even in the esophagus from splinters of wood. So off to the vet. The dog health insurance will already cover the costs incurred.
Let's just say that your fur nose is a private patient at the vet. The dog health insurance covers the costs incurred by a veterinary treatment. So you're off the hook when the bill is higher. This includes not only the outpatient treatment in the veterinary practice, but also operations. That's exactly what Ferdi could face if the vet has to treat possible pharyngeal injuries and remove splinters. Information about dog health insurance can be found here: https://www.vergleichen-und-sparen.de/hundeversicherung/hundekrankenversicherung/
Meaningful or not? Of course, that depends on how much your dog's health is important to you. Unfortunately, there are many dog lovers who can not afford the veterinary treatment of their pet and therefore simply delay important treatments. Therefore, the dog health insurance is a good hedge, so you do not have to worry about necessary veterinary treatments head.
The dog health insurance pays you not only the cost of vaccinations, precautionary measures or just worm cures, but also long-term treatments such as allergies or surgery. Especially the latter really go into the money and so it is important that you always have a solid hedge in the background.