Dog insurance in France covers vet bills for dogs living in France, where care is private and can get expensive fast. This page compares French dog insurance providers and plans for residents and expats.
*Prices vary depending on species, breed, age, and coverage level. Quotes are based on a 2-year-old mixed breed dog in good health.
Provider
Monthly Price (from)*
Reimbursement Rate
Annual Coverage Limit
Waiting Period
Claim Process
Distinctive Feature
Lassie
€11
Up to 100%
€1,000 to €2,500
14 days
Digital via app
Rewards preventive care and digital learning
Barkibu
€9.90
80% to 100%
Up to €3,000
15 days
100% digital
Integrated vet chat with every plan
Kozoo
€12.99
70% to 100%
€1,000 to €2,500
2 to 60 days
Digital dashboard
Includes wellness and chronic condition cover
Santévet
€14.50
70% to 100%
€1,100 to €2,500+
45 days
App + email
Most established provider with vet network
Fidel’ami Santé
~€12–€18
80% or 100%
Up to €3,500
15–30 days (varies by condition)
Email / contact form
No deductible, covers conditions often excluded elsewhere (hip dysplasia, C-sections, spinal issues)
Kozoo
Barkibu
Santévet
Lassie
Fidel'ami santé
Bulle Bleue
Dalma
Fidanimo
Agria
Assur O’Poil
Animaux Santé
Achéel
Selfassurance
April
ECA Assurances
Carrefour Assurance
GMF
MACIF
Matmut
MAIF
Groupama
AXA
Pacifica (Crédit Agricole)
AG2R La Mondiale
MGEN
To insure your pet in France as a foreign resident, you’ll need to meet the same basic requirements as French citizens, with a few additional points to consider.
Minimum Requirements:
A French residential address Most French pet insurers require you to provide a valid French address (utility bill, lease contract, etc.) for registration and billing.
A French or SEPA-compatible bank account (IBAN) Insurers usually collect monthly premiums via direct debit (prélèvement automatique). A French IBAN is typically required, although some providers accept SEPA-area accounts (e.g., Revolut or N26 based in the EU).
A microchipped pet Your dog or cat must have a valid ISO-compliant microchip registered in France or the EU. Some insurers may request the registration number.
Valid vaccination records Rabies vaccination is typically required, especially for dogs. Other vaccines (distemper, parvovirus, etc.) may be required for preventive care coverage.
Pet's details You’ll need to provide:
Species (dog or cat)
Breed
Date of birth (approximate is usually acceptable)
Sex and neuter status
Date of microchipping and rabies vaccination
EU Pet Passport or veterinary health record Not legally required by insurers, but helpful in verifying your pet's history, especially if adopted abroad.
Reimbursement Speed: Reimbursements are processed very quickly, typically within 48 hours, without the need to send physical claim forms (feuilles de soins).
Pros
✓
No Fixed Deductible: No upfront fixed amount to pay before reimbursements.
Pros
✓
Lifetime Coverage: Pets remain covered for their entire life once enrolled.
Pros
✓
Accident & Illness Coverage: Comprehensive protection for unexpected incidents and various health conditions.
Pros
✓
Telemedicine Vet Access for free 24/24h and 7/7: Convenient access to virtual veterinary consultations.
Cons
✕
Variable Copay: A percentage (e.g., 20%) of the vet bill is typically paid by the owner per claim.
Cons
✕
Digital-First Support: Customer service is primarily digital (chat, app), which might not suit all users.
Kozoo France offers flexible coverage options, allowing you to tailor a policy that best fits your pet's needs and your budget. Their strong emphasis on convenient online management and the inclusion of preventive care options are particularly appealing. Kozoo also stands out by extending coverage to a broader range of companion animals beyond just dogs and cats.
However, a predominantly digital-first approach might not be ideal for pet owners who prefer more traditional, in-person customer service. Additionally, it's important to be aware that reimbursement rates can vary between their different formulas, and policies typically involve deductibles and waiting periods before full coverage applies.
Kozoo is recognized in the French pet insurance market for its modern, adaptable approach, providing solutions for diverse pet owners.
No fixed deductible (0€ franchise). 20% co-pay on eligible expenses.
Age Restrictions
From 2 months to 11 years old
Additional Details
Coverage Percentage: Barkibu generally covers 80% of eligible veterinary costs for illnesses and accidents.
Pros
✓
No Fixed Deductible: No upfront fixed amount to pay before reimbursements.
Pros
✓
Lifetime Coverage: Pets remain covered for their entire life once enrolled.
Pros
✓
Accident & Illness Coverage: Comprehensive protection for unexpected incidents and various health conditions.
Pros
✓
Telemedicine/AI Vet Access: Convenient access to virtual veterinary consultations and AI-powered health advice.
Cons
✕
Variable Copay: A percentage (e.g., 20%) of the vet bill is typically paid by the owner per claim.
Cons
✕
Digital-First Support: Customer service is primarily digital (chat, app), which might not suit all users.
Cons
✕
Annual Limits Apply: Coverage is capped (usually €3,000–€3,500), not unlimited.
Barkibu France offers a comprehensive pet insurance solution that covers 80% of your veterinary costs for illnesses and accidents, up to an annual maximum of 3,000€. Their strong emphasis on digital tools and telemedicine, including an intuitive mobile app for quick reimbursements and access to veterinary consultations via chat or call, makes it highly appealing for those seeking convenient and efficient health management for their pets. The innovative direct payment card further simplifies vet visits by reducing out-of-pocket expenses.
However, a predominantly digital-first approach might not cater to everyone, particularly those who prefer more traditional, personalized customer service. While there's no fixed deductible, it's important to note that a 20% variable copay generally applies to vet bills. Additionally, standard waiting periods are in effect (e.g., 5 days for accidents, 28 days for illnesses) and there are age limits for initial subscription (2 months to 11 years).
Barkibu is a modern, tech-forward player in the French pet insurance market, known for its integrated digital services and straightforward coverage model.
15% multi-pet discount. Prevention budget up to 220€/year (vaccines, deworming, anti-parasitics, sterilization, dental care, physiotherapy). Rewards program via app: up to 50€/year discount. 12-month worldwide coverage included.
Pros
✓
Clear Plan Structure: Lassie offers three distinct plans (Bronze, Argent, Or), making it simple to choose the right level of coverage for your pet.
Pros
✓
Focus on Prevention: Plans include resources for preventive care and offer discounts, encouraging proactive pet health.
Pros
✓
Digital-First Approach: Manage your policy and claims easily through their digital tools, ideal for tech-savvy pet owners.
Pros
✓
English Language Support: The website and services are available in English, which can be a significant advantage for expats or English speakers in France.
Cons
✕
Customer Feedback Concerns: Some online feedback points to dissatisfaction with the transparency and coverage limitations of their most basic (Bronze) plan.
Cons
✕
Limited Customization: With only three main plan options, there might be less flexibility to highly tailor coverage compared to providers with more granular choices.
Lassie offers three clearly defined plans—Bronze, Argent (Silver), and Or (Gold)—making it straightforward to select the right level of coverage for your pet in France. Their strong focus on preventive care and innovative digital tools, like their app-based rewards, can be very appealing if you're looking for convenient and efficient insurance management.
However, a predominantly digital approach might not suit everyone, especially those who prefer more traditional, personalized customer service. Additionally, while the Bronze plan offers a basic level of cover, it's quite limited in its ceiling (€1,000). To avoid potential frustrations and ensure more comprehensive protection, we generally advise considering their Argent or Or plans, which, despite being a bit pricier, provide significantly better coverage.
Lassie is a relatively new but growing player in the French pet insurance market, known for its modern, tech-driven approach to pet health.
Up to €3,500 per year. 5 formulas: Malin, Rusée, Loyale, Loyale+, Fidèle.
Deductibles
No deductible (0 € franchise)
Age Restrictions
No age limit once enrolled
Additional Details
Coverage Percentage: 80% or 100% depending on formula (Malin to Fidèle). Formulas: Malin (~20€/mo), Rusée (~30€/mo), Loyale (~35€/mo), Loyale+ and Fidèle (~45-61€/mo with up to 90-100% reimbursement).
Pros
✓
No Deductible: All claims are reimbursed from the first euro, with no franchise applied.
Pros
✓
Lifetime Coverage: Once enrolled, pets are covered for life, with no age-based exclusions.
Pros
✓
Inclusive for All Breeds: No restrictions or exclusions based on breed or genetic predisposition.
Pros
✓
Fast Reimbursements: Claims are processed internally, often reimbursed within 48 hours.
Pros
✓
Covers Expensive Conditions: Includes hip dysplasia, C-sections, and spinal disorders usually excluded elsewhere.
Cons
✕
New Entrant: Limited customer reviews and short track record compared to established competitors.
Cons
✕
Opaque Pricing: Online quotes are not easily accessible; prospective clients must request estimates directly.
Cons
✕
No Mobile App: Claims are submitted via email or forms, which feels less modern than app-based systems.
Cons
✕
Potentially Higher Premiums: Broader coverage and zero deductible may result in higher monthly costs than budget insurers.
Fidel’ami Santé offers a pet insurance solution designed to provide lifelong coverage for dogs and cats, with reimbursement rates up to 100% and no deductible applied to claims. Annual coverage limits typically reach €3,000–€3,500, and the plans stand out by including conditions often excluded elsewhere, such as hip dysplasia, C-sections, and spinal disorders. Preventive care is also available, covering vaccinations, sterilizations, and dental cleaning, giving owners a more complete protection package. Claims are processed internally, allowing for fast reimbursements, often within 48 hours.
However, Fidel’ami Santé is still a new entrant in the French market, meaning it has fewer customer reviews and less long-term track record compared to established competitors. Pricing information is also less transparent online, requiring direct quotes, and the absence of a mobile app makes the process less digital-friendly. Premiums may be higher than budget options, reflecting the broader coverage and zero-deductible approach.
Fidel’ami Santé is best suited for pet owners seeking inclusive, no-surprise coverage with strong protection against costly conditions, and who value lifetime guarantees over purely digital convenience.
Light: 1 100€ / Confort: 1 500€ / Confort+: 3 000€ / Premium: up to 4 000€ / Optimal: up to 4 000€
Deductibles
0€ - 150€ + 0%-50% variable
Age Restrictions
From 2 months to 10 years old
Additional Details
Veterinarian Choice: You are free to choose any licensed veterinarian in France or abroad (usually within limits for travel).
Pros
✓
Established and Reputable: Santévet is a well-known and significant player in the French pet insurance market.
Pros
✓
Diverse Plan Options: Offers a range of formulas (e.g., Light, Confort, Premium) allowing for customization of reimbursement rates and annual ceilings.
Pros
✓
Prevention Budget: Many plans include a dedicated annual budget for preventive care (vaccinations, deworming, etc.).
Pros
✓
NAC Coverage: One of the few providers to offer insurance for New Companion Animals (NACs) like rabbits and ferrets.
Pros
✓
Choice of Vet: You can choose any licensed veterinarian in France or abroad (within travel limits).
Cons
✕
Age Limit for Subscription: Pets generally must be between 2 months and 10 years old (or sometimes younger for certain breeds/plans) to subscribe.
Cons
✕
Waiting Periods: Standard waiting periods apply before coverage begins (e.g., 48 hours for accidents, 45 days for illnesses, 120 days for specific serious conditions/surgeries).
Cons
✕
Pricing: Higher-tier plans with extensive benefits and high reimbursement rates can be relatively more expensive.
Santévet provides comprehensive pet insurance with a variety of formulas (Light, Confort, Confort+, Premium, Optimal) allowing for flexible customization of coverage levels to suit different needs and budgets. They are particularly strong in offering lifetime coverage once a pet is insured, and their plans often include a dedicated prevention budget for routine care. Santévet also stands out by offering insurance for New Companion Animals (NACs) beyond just dogs and cats.
However, while they offer various reimbursement rates (from 60% to 100%), it's important to note that an annual fixed deductible typically applies, which can range from 0€ to 75€ depending on the chosen plan. There are also age limits for initial subscription (e.g., 2 months to 7 or 8 years for dogs/cats, depending on breed). Additionally, standard waiting periods apply for different types of care (e.g., 48 hours for accidents, 45 days for illnesses, and longer for specific surgeries or conditions). Pre-existing conditions are generally excluded.
Overall, Santévet is a well-established and trusted option in France, particularly for those seeking long-term coverage and a provider that supports a wider range of pets.
Origin: Sweden Availability: France, full digital support USP: Prevention can lower dog premiums
Lassie is a strong fit if you want an app-first dog insurance experience. Educational modules on dog health can unlock premium discounts, and accident + illness cover is solid for everyday vet care. Annual caps are lower than some rivals, so it is less ideal for large breeds with high chronic-care risk.
Ideal for: Tech-savvy dog owners who want digital claims and prevention-led pricing.
Watch out for: Lower reimbursement ceilings than Barkibu or Santévet on bigger surgeries.
Origin: Spain Availability: France, strong English support USP: Telehealth + paperless dog claims
Barkibu works well for expats insuring a dog in France: 24/7 vet chat, AI cost estimates before treatment, and fast digital reimbursements. Cover for accidents and illness is broad and competitively priced for dogs.
Ideal for: Expats and remote workers who want telemedicine plus flexible dog insurance payouts.
Watch out for: No owned clinic network — you pick any vet yourself.
Origin: France Availability: Nationwide USP: Wellness + chronic dog care
Kozoo is one of the more complete French dog policies: accident, illness, and optional prevention (vaccines, dental, deworming). Chronic issues such as osteoarthritis or diabetes can stay covered long-term, which matters for large and senior dogs.
Ideal for: Owners who want treatment + prevention in one dog plan.
Watch out for: Waiting periods vary a lot (from ~48 hours for accidents up to ~60 days for some surgeries).
Origin: France Availability: France, Belgium, select EU countries USP: Established dog insurer with high ceilings
Santévet remains a go-to for dog owners who want customizable tiers, optional routine care, and clinics that sometimes accept direct billing. Less “app-native” than newer brands, but strong for high annual limits and long-term dog cover.
Ideal for: Owners who want a stable partner for a dog that may need expensive surgery later.
Watch out for: Premiums can climb sharply as large-breed dogs age.
Origin: France Availability: Nationwide (launched 2024) USP: Lifetime dog cover, no deductible, all breeds
Fidel’ami is interesting for higher-risk dog breeds: lifetime enrolment once accepted, no franchise, and cover for conditions often excluded elsewhere (e.g. hip dysplasia, spinal disorders). Higher tiers can include prevention such as vaccines and dental cleaning.
Ideal for: Dog owners who want transparent cover with fewer breed exclusions.
Watch out for: Newer brand, thinner public review history, and annual caps around €3,000–€3,500 may feel tight for heavy chronic dog care.
Choosing the Right Dog Insurance in France
When choosing dog insurance in France, prioritise:
Breed and size: Large and brachycephalic breeds often cost more and may face hereditary exclusions (hips, spine, breathing). Check breed rules before you buy.
Reimbursement logic: Confirm whether payouts are a fixed % (e.g. 80–100%) and what the annual dog cover cap is. Barkibu and Santévet can reach up to 100% on some tiers.
Waiting periods: Expect a delay before dog illness cover starts. Kozoo is often faster on accidents; Santévet commonly uses ~45 days for many conditions.
Claims experience: Lassie and Barkibu are fully digital. Kozoo is hybrid. Santévet can still involve more paperwork.
Prevention add-ons: Kozoo and Santévet offer optional wellness (vaccines, dental). Useful if you want routine dog care reimbursed, not only emergencies.
How Much Does Dog Insurance Cost in France?
In France, 2026 market averages put dog insurance at roughly €12–€46 per month across entry, mid and premium formulas. That usually covers accidents, illnesses, surgeries and diagnostics — exact quotes still depend on breed, age and annual limits.
For example:
A basic / entry dog plan often lands around €12–€18/month.
A mid-tier dog plan commonly sits around €26–€30/month.
Premium dog cover with high reimbursement and extras often reaches €40–€46/month (more for seniors or high-risk breeds).
Key pricing factors for dogs
Age: Dogs over ~6–8 years can cost up to double a young dog’s premium.
Breed risk: Bulldogs, shepherds and other high-risk breeds pay more.
Coverage level: Higher annual limits (e.g. €2,500+), lower deductibles or 100% reimbursement raise the monthly price.
Wellness add-ons: Vaccines, dental and checkups typically add €5–€12/month.
Example dog insurance ranges in France (2026)
Dog profile
Basic / entry
Mid to premium
Young / standard risk
€12–18/month
€26–46/month
Senior / high-risk breed
€20–35/month
€40–60/month
Based on 2026 French market average premiums by formula tier (aggregator barometers).
If you are relocating to France with a dog, EU entry rules apply. Miss a step and you risk delays or quarantine.
Entry requirements for dogs coming to France from outside the EU
Microchip — 15-digit ISO-compliant chip before rabies vaccination.
Rabies vaccination — after microchipping, at least 21 days before entry.
Rabies titer test (unlisted/high-risk countries) — blood test ≥30 days after vaccination and ≥3 months before travel.
Animal Health Certificate (AHC) — issued by an official vet within 10 days of travel if you do not have an EU pet passport yet.
Tapeworm treatment — required for dogs from certain countries (e.g. UK): treat for Echinococcus1–5 days before entry and record it officially.
Border Control Post — enter via an approved BCP with documents ready.
After arrival: register with a local French vet, get an EU Pet Passport when eligible, then apply for dog insurance in France once your dog is properly documented.
If You Are Traveling to France with Your Dog
Travelling to France with a dog? Keep microchip, rabies vaccination timing, and (where required) tapeworm treatment aligned with EU rules — including for short trips.
EU Pet Passport or an Animal Health Certificate from outside the EU
Tapeworm treatment proof for dogs arriving from certain countries (e.g. UK/Ireland)
A plan for declaring your dog at the French/EU point of entry
Once your dog is settled in France, compare cover on this page or start from the France pet insurance hub.
FAQ about Dog insurance in France
No. Dog insurance is optional in France, but strongly recommended — a single fracture, GDV or cruciate repair can easily exceed €2,000–€4,000 without cover.
Yes. The French providers we compare let you use any licensed vet. Some (e.g. Santévet) also work with partner clinics for smoother reimbursements.
Yes. Many insurers stop accepting new dogs around 7–10 years old, though cover can continue if started earlier. Lassie is generally best suited to younger dogs (under ~6).
Digital insurers like Barkibu and Lassie often reimburse in about 3–7 business days. Santévet and Kozoo can take up to ~14 days depending on paperwork.
Common exclusions include:
Pre-existing conditions
Some hereditary issues (check breed lists)
Cosmetic procedures (ear cropping, tail docking)
Breeding / pregnancy care
Behaviour therapy unless medically prescribed
Routine grooming and food
Often yes. Kozoo and Santévet, for example, commonly offer multi-pet discounts of about 5–10% when several animals share one account.
About the authors
Thibault Helle
Editor
Thibault has an engineering background from both France and Sweden. Comparesies is his second company after successfully founding a tech scaleup. His experience is vast within insurances and customer satisfaction. Thibault is responsible for maintaining the website and sharing his knowledge through page editing.
Elin Viberg
Author
Elin is a passionate dog lover with roots in Sweden and a background in the service industry. With several years of experience working closely with customers, she has developed a deep understanding of what it takes to deliver outstanding service. Elin's love for animals, especially dogs, drives her to constantly seek the best information and products for pet owners. At Comparesies, she contributes her dedication and expertise by ensuring that our content reflects the care and quality our readers expect.
