Our review on Fidel'Ami Santé
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
- Fidel’ami Santé has no deductible, so every claim is reimbursed from the first euro
- Coverage is guaranteed for life with no age limit once the pet is enrolled.
- The insurer accepts all dog and cat breeds without restriction.
- Reimbursements are handled internally and processed quickly, sometimes within 48 hours.
- 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.
| Website | fidelamisante.com |
|---|---|
| Rating | |
| Status | Licensed |
| Owner | HCDM Assurances |
| Support | Email, Live Chat, Phone, Social Media |
| Languages | French |
| Currencies | EUR |
| Deposit Methods | Apple Pay, Transfert bancaire, Mastercard, Visa, Revolut |
| Apps | Android, iOS |
About Fidel'Ami Santé
FAQ - Frequently asked questions about Fidel'Ami Santé
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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.
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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.
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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.
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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.
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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.
