Pet insurance Netherlands
Compare different pet insurance policies for both dogs and cats based on price and coverage. At the top of the comparison tool, you will find the most affordable pet insurance for your situation.
Requirements and conditions Dutch pet insurance
What do you need to obtain dog insurance or cat insurance in the Netherlands? Here are the main requirements to keep in mind:
- Disclosure of medical conditions: does your pet have any existing medical conditions? Don’t forget to let your insurer know.
- Breed restrictions: some breeds with known genetic issues may not be covered by all insurers.
- Age limits: insurance is typically available for pets aged up to 7 or 8 years, or all ages.
- Microchip: your pet needs to be microchipped and registered.
Policies usually include an annual deductible and co-payments, ranging from 10% to 20% of veterinary costs.
Top deals for pet insurance in 2024
| Insurer | Premium dog | Premium cat | More informatieon |
|---|---|---|---|
 Figo Pet logo | €20,55 | €11,05 | To the comparator |
 Unive | €22,93 | €15,68 | To the comparator |
 petsecur dierenverzekering | €26,86 | €14,77 | To the comparator |
 Ohra | €31,13 | €12,89 | To the comparator |
Laatste update:
Why get pet insurance?
Pet insurance gives you peace of mind and protects your wallet. Pets can be unpredictable, and vet bills can soar from €250,- to €1.000,- or more. With pet insurance, you’re covered for those surprise expenses, keeping your finances stable with a fixed monthly premium.
Benefits of pet insurance:
- Avoid high vet bills: protect yourself from unexpected costs.
- Top-notch care: ensure your pet gets the best treatment without financial worry.
- Budget-friendly: keep your monthly expenses predictable.
Though not mandatory in the Netherlands, pet insurance is a smart way to protect against unforeseen costs.
Comparing and obtaining pet insurance in 4 steps
Comparing pet insurance is super easy and takes just 2 minutes. Follow these 4 steps to find the best coverage for you and your four-legged friend:
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Use our comparison tool
Fill out the form in our comparison tool or on our specific dog insurance or cat insurance pages. Enter your pet’s type (cat or dog), gender, age, postal code, and breed.
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Choose additional coverages
Select extra coverages like neutering/spaying, dental treatments, and vaccinations. Also, choose your preferred co-payment percentage.
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Pick the best package
Look for the package that works best for you. Plans vary in coverage and premiums. The lowest premium options appear first.
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Finalize your choice
Click ‘view’ on your chosen insurance package to finalize. Enter your details again to complete the process and get your pet insured.
All pet insurers
Coverage of pet insurance
Check out the table below for a quick overview of the coverage of 4 well known insurers. Do you see multiple amounts or percentages? This means the insurer offers more than 1 package. Be sure to check which coverage applies to which package. Some coverages might not be included in the basic plan but can be added as extras.
✔: In basic coverage
X: Not in basic coverage
Supplementary: Available as supplementary coverage
| Coverage | PetSecur | Univé | OHRA | Figo Pet |
|---|---|---|---|---|
| Insured amount | €3.250, €4.000 of €6.000 | €2.500 of €5.000 | €3.000, €4.000 of €6.000 | €3.000, €6.000 or unlimited |
| Neutering/spaying | Supplementary | X | Supplementary | If medically necessary (from 4 years) |
| Operations | 50%, 70% of 90% | ✔ | ✔ | ✔ |
| Consultations | 50%, 70% of 90% | ✔ | €100, €150 of €200 | ✔ |
| Medication | 50%, 70% of 90% | ✔ | ✔ | ✔ |
| Dental care | Supplementary | Supplementary | Supplementary | Only in case of accidents |
| Chemotherapy/ radiotherapy | 50%, 70% of 90% | ✔ | Supplementary | ✔ |
| Identification chip | Supplementary | X | ✔ | ✔ |
| Vaccinations | Supplementary | X | Supplementary | ✔ |
| Euthanasia | 50%, 70% of 90% | X | X | ✔ |
| Cremation | Only 50% with extra package | X | Supplementary | ✔ |
Supplementary coverage
Do you want to make your pet insurance package complete? Pet insurers often let you choose from several extra coverages. These are the 6 most popular options:
- Vaccinations: covers the cost of essential vaccinations to prevent diseases.
- Travel: ensures your pet is covered for medical expenses abroad.
- Cremation: reimburses cremation costs if your pet passes away.
- Dental: helps pay for dental procedures like extractions and decay treatments.
- Neutering/spaying: covers the cost of neutering or spaying your pet.
- Chemotherapy and radiotherapy: covers treatments if your pet is diagnosed with cancer.
Pet insurance costs in 2025
On average, pet insurance costs around €25,- per month. Dog insurance tends to be slightly more expensive than cat insurance. Expect a premium ranging from €20,- to €40,- per month for dog insurance, and a premium between €10,- and €25,- per month for cats. The exact cost depends on your preferences, needs, and the type of pet you’re insuring.
Calculating the costs of pet insurance
Curious about the way insurers calculate your premium? Here’s a breakdown:
Advice from Overstappen.nl
Since 2019, Overstappen.nl has been offering pet insurance through our comparison tool, making us experts in when to opt for pet insurance.
So, is pet insurance right for you?
Pet insurance is a smart move to manage unexpected and high veterinary costs. Think of it as a savings plan for your pet’s medical needs. If you’re short on funds for emergencies, pet insurance can be a real lifesaver!
When to skip pet insurance?
If you have enough savings to cover your pet’s vet bills, insurance might be unnecessary for you. You might also want to skip pet insurance if you are worried about preventative care. Pet insurance is really meant for covering unforeseen expenses.
Best pet insurance
Finding the best pet insurance can be a bit tricky with so many options out there. The best choice depends on your pet, your needs, and your personal situation. Here are our top picks for pet insurers:
Best cat insurance
The best option for cats? OHRA’s cat insurance stands out due to its comprehensive coverage and low deductible of €30,-. OHRA offers extensive basic coverage and the option to add supplementary treatments, ensuring your cat gets the very best care.
Best dog insurance
For dogs, Figo Pet is a top choice with high reimbursement rates and flexible packages. Figo Pet allows you to customize your insurance to meet your dog’s needs. The best news? Figo covers all breeds and ages, without any restrictions.
Useful information
Frequently asked questions
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