Fidel’ami Santé provides pet health insurance tailored for dogs and cats, with lifetime coverage guaranteed once your pet is enrolled. Their plans stand out with no deductible, no breed restrictions, and quick reimbursements often processed within 48 hours. Coverage extends beyond routine visits and vaccinations to include costly conditions that many insurers exclude, such as hip dysplasia, C-sections, and spinal disorders. By focusing on inclusivity and transparency, Fidel’ami Santé helps pet owners access reliable, comprehensive care for their animals at every stage of life.
Fidel’ami Santé provides pet health insurance designed specifically for dogs and cats in France. Their plans stand out with no deductible, no breed restrictions, and reimbursements processed quickly, often within 48 hours. Coverage goes beyond the basics, including consultations, vaccinations, hospitalization, surgery, accidental ingestion, and even conditions that many insurers exclude, such as hip dysplasia, C-sections, or spinal issues. Fidel’ami Santé’s goal is clear: to make quality veterinary care accessible for every pet.
Pros
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Fidel’ami Santé has no deductible, so every claim is reimbursed from the first euro
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Coverage is guaranteed for life with no age limit once the pet is enrolled.
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The insurer accepts all dog and cat breeds without restriction.
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Reimbursements are handled internally and processed quickly, sometimes within 48 hours.
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Certain costly conditions often excluded elsewhere (hip dysplasia, C-sections, spinal disorders) are covered.
Cons
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The annual reimbursement ceilings and precise coverage limits are not always transparent online.
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There is no instant online quote tool, so pricing details require direct contact.
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Fidel’ami is a new player in the market with a limited reputation and few independent reviews.
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The claims process is not fully digital and may still involve manual submission.
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Premiums may be higher than budget competitors due to broader coverage.
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As a smaller company, service quality could be affected if claim volumes rise significantly.
Apple Pay, Transfert bancaire, Mastercard, Visa, Revolut
Apps
Android, iOS
About Fidel'Ami Santé
FAQ - Frequently asked questions about Fidel'Ami Santé
Yes. Once a dog or cat is enrolled, coverage is guaranteed for life with no upper age limit. Unlike some insurers that reduce or stop coverage after a certain age, Fidel’ami Santé maintains the same protection even as your pet gets older, which is especially valuable for breeds prone to late-life conditions.
Absolutely. Fidel’ami Santé accepts all dog and cat breeds without restriction. Many insurers apply exclusions or higher premiums for brachycephalic breeds (like Bulldogs or Persians) or large breeds (like German Shepherds). Fidel’ami Santé positions itself as inclusive, which can be a key advantage for owners of breeds typically penalized elsewhere.
Fidel’ami Santé handles claims in-house rather than outsourcing, allowing for faster turnaround. They advertise reimbursements within 48 hours once documents are received, significantly quicker than the 1–3 week delays often seen with other insurers.
This is one of Fidel’ami Santé’s selling points. Coverage includes hip dysplasia, caesarean sections, spinal and neurological disorders, and other conditions that many insurers refuse or severely limit. For owners of predisposed breeds, this can make a big financial difference.
No. Fidel’ami Santé highlights zero franchise (deductible) across all claims, meaning you don’t lose a fixed amount per claim or per year. However, like any insurer, they may apply annual reimbursement ceilings or caps on certain categories, so reading the fine print is essential.
A New Pet insurance in France
Fidel’ami Santé brings a new, inclusive take on pet insurance in France, built on the promise of transparency and lifelong protection. Their philosophy is simple: every pet deserves access to care, regardless of breed or age. That’s why they stand out with policies that guarantee coverage for life once your animal is enrolled, no exclusions for specific breeds, and no deductible cutting into reimbursements. For pet parents who want straightforward, reliable protection, this is a strong differentiator in a crowded market.
What makes Fidel’ami particularly appealing is how broad their coverage extends. Beyond standard consultations and vaccinations, their plans reimburse costly treatments often left out by other insurers, such as hip dysplasia, C-sections, or spinal conditions. Claims are handled internally, which helps speed things up, with reimbursements frequently processed within just 48 hours. They also integrate preventive care, covering wellness measures like sterilizations, vaccines, and even annual allowances for dental cleanings or parasite treatments, reflecting their commitment to proactive health.
That said, Fidel’ami Santé is still a new player in the French market, with fewer published customer reviews and a shorter track record than established competitors like SantéVet or Bulle Bleue. While their coverage promises are generous, details on annual reimbursement ceilings and exact premium ranges are not always clearly presented online, meaning prospective customers need to request quotes directly. The absence of a mobile app or fully digital claims system may also feel limiting to pet owners who are used to managing everything from their smartphone. And given the extensive coverage with no deductible, premiums are likely to sit above budget alternatives.
All in all, Fidel’ami Santé positions itself as a comprehensive, pet-focused insurer for those who value inclusivity, fast reimbursements, and coverage that doesn’t shy away from expensive conditions. It may not be the cheapest or the most digital option available, but for owners seeking peace of mind and protection that lasts a pet’s entire lifetime, Fidel’ami Santé makes a compelling case.
Fidel’ami Santé Plans Overview
Plan
Reimbursement Rate
Annual Coverage Limit
Monthly Price (est.)
Best For
Essential Care
80%
€1,500–€2,500
From ~€12–€18
Young pets or owners seeking affordable illness + accident protection
Comprehensive Care
100%
Up to €3,500
From ~€20–€35
Owners who want maximum coverage with no deductible
Comprehensive + Wellness
100% + preventive
Up to €3,500 + €200–€400 for wellness
From ~€28–€40
Owners who want medical + preventive care included
🔹 Essential Care Plan
Reimburses 80% of vet bills for illnesses and accidents
Annual limit ranges from €1,500 to €2,500 depending on the pet’s age and breed
Includes consultations, hospitalization, medication, and surgery
Affordable entry option with broad core protection 💡 Tip: Best for healthy pets or budget-conscious owners who want accident + illness coverage without extras.
🔹 Comprehensive Care Plan
Covers both accidents and illnesses with 100% reimbursement
Annual limit up to €3,500 depending on profile
Includes advanced treatments: surgery, imaging, diagnostics, hospitalization, intoxication, ingestion of objects
No deductible (franchise 0€), unlike most French insurers 💡 Tip: Ideal for owners who don’t want to worry about hidden costs, excellent for breeds prone to expensive health issues.
🔹 Comprehensive + Wellness Add-On
All benefits of Comprehensive Care
Adds preventive care reimbursements for:
Annual vaccinations
Sterilizations
Dental cleaning / scaling
Flea/tick prevention and deworming
Extra €200–€400/year allocated to wellness care 💡 Tip: Great for owners who want a complete package, combining medical and preventive coverage in one plan.
🧾 Optional Add-ons? Unlike Barkibu, Fidel’ami Santé does not present wellness as a fully “optional” toggle but rather as an enhanced plan tier. This makes it simpler for pet owners who want everything included from the start, though it means less flexibility to downgrade later.
Cost of Fidel'ami in France
Fidel’ami Santé also uses variable pricing, where your monthly premium depends on:
Pet species and breed
Pet’s age at enrollment
Chosen reimbursement rate (80% or 100%)
Annual benefit cap (typically €1,500–€3,500)
Whether you include preventive care (Comprehensive + Wellness)
Example Quotes (estimates based on Fidel’ami’s published ranges)
For a 3-year-old Labrador Retriever in Lyon:
Essential Care (80%, €1,500 cap): ~€14.50/month
Comprehensive Care (100%, €3,000 cap): ~€28.90/month
Comprehensive + Wellness (100%, €3,000 cap + €250 wellness): ~€36.90/month
For a 5-year-old European Shorthair cat in Lille:
Essential Care (80%): ~€12.20/month
Comprehensive Care (100%): ~€22.50/month
Comprehensive + Wellness: ~€29.80/month
🧠 Note: Premiums increase gradually with age, but Fidel’ami Santé has no upper age cut-off, once enrolled, your pet remains covered for life, which is a rare advantage in France.
🐾 Who Is Fidel’ami Santé Best For?
✅ Ideal for:
Owners of breeds often excluded elsewhere (Bulldogs, German Shepherds, Persians, etc.)
Pets with risk of costly hereditary conditions (hip dysplasia, spinal disorders)
Owners who value no deductible and transparent reimbursements
Families who want both medical + preventive care bundled in one plan
Those who want quick reimbursements (often within 48h)
❌ Not ideal for:
Owners looking for lowest-cost, bare-bones coverage
People who want fully digital/app-based claims management
Customers who prefer a long-established insurer with a decade of user reviews
Owners who want unlimited annual coverage (caps still apply: ~€3,000–€3,500)
⭐ 3 Things We Also Liked
Inclusive Coverage Without Breed Restrictions Fidel’ami Santé covers every breed, regardless of genetic predispositions. This makes it especially attractive for owners of pets typically excluded or surcharged by other insurers.
No Deductible, Generous Medical Coverage Unlike most competitors, there’s truly no franchise, meaning even small vet bills are reimbursed. Coverage extends to conditions usually excluded, like dysplasia and C-sections.
Fast, Internal Claims Processing Claims are handled by Fidel’ami directly (not outsourced), and reimbursements are often completed in 48 hours, helping owners manage cash flow better.
🗣️ What Users and Early Adopters Are Saying
Since Fidel’ami Santé is a new player (launched 2024), customer reviews are still limited. Early feedback highlights:
Positive points:
“Reimbursements were much faster than with my old insurer.”
“Finally, an insurer that accepts Bulldogs without exclusions.”
“It’s reassuring to know they cover C-sections and dysplasia, which other insurers refused.”
Common concerns:
“I wish there was a mobile app for claims — it’s still mostly by email.”
“Pricing wasn’t visible online; I had to request a quote directly.”
“Being new, I was cautious since there aren’t many reviews yet.”
📊 Trustpilot / App ratings: Not yet widely available (as of 2025). Fidel’ami Santé is still building reputation compared to longer-established competitors.
Team behind this review
Louis
Author
Louis has worked in the comparison industry for 5 years in Sweden after founding another company in France. His industry experience, and strong communication skills have been invaluable in building the bridge between our community and our content. Louis is our ideas man and is responsible for sourcing user and specialist opinions.
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.
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.
Mason
Editor
Mason was born and raised in New Zealand before moving to US and then Sweden. Despite looking so youthful, he worked as a senior website manager for 5 years before founding Comparesies. Mason's expertise in insurance is the most valuable asset for our users. Today he is the primary author/editor on Comparesies.
