Our review on Kozoo
Kozoo is a French-born digital pet insurer with a wellness-focused approach. It offers transparent, tiered plans with reimbursement up to 100%, fast digital claims, and options that include routine care (vaccinations, checkups, parasite treatments), making it one of the few French insurers to cover both accidents/illness and preventive care.
Kozoo is also one of the more expat-friendly French providers, offering clean policy explanations, quick setup, and entirely digital management (including reimbursements to any EU IBAN).
✅ Over 100 personalized offers starting from €6.95/month for cats and €7.60/month for dogs ✅ Reimbursement choices between 50% and 100%, with 5 flexible annual caps: €1,000, €1,500, €2,000, €2,500, or €3,000 ✅ Preventative care options available with two tailored packs: * Classic (€100): vaccines, deworming, antiparasitics * Maxi (€150): includes all Classic benefits + castration/spaying and dental descaling ✅ Death coverage from €2/month and Civil Liability from €2.50/month
🌟 Why Choose Our Pet Insurance?
- 🐶😺 100% digital with no hidden fees
- ⚡ Ultra-fast reimbursements within 48 hours
- 📄 No medical formalities to complete
- 🎁 1 month free every year with Quizoo
- 📞 Unlimited veterinary teleconsultations, 24/7
- 🏝️ Extended coverage across mainland France, Corsica, and French overseas departments (DROM)
- 📍 Insurable from 2 months to 12 years, with lifetime coverage
Pros
- Flexible Coverage: Customize plans to fit your budget and pet's needs.
- Easy Online Management: Manage policies and claims conveniently online.
- Covers Diverse Pets: Offers insurance for dogs, cats, and other companion animals (NACs).
Cons
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Deductibles May Apply: Policies might include an excess or deductible per claim/year.
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Enrollment Age Limits: Restrictions exist for very young or older pets joining.
| Website | https://kozoo.eu |
|---|---|
| Rating | |
| Status | Licensed |
| Launched | 2020 |
| Owner | KOZOO SAS |
| Support | Email, Live Chat, Phone, Social Media |
| Languages | French |
| Currencies | EUR |
| Deposit Methods | Bank Transfer, Debit Card |
| Not available in | Monaco |
About Kozoo
FAQ - Frequently asked questions about Kozoo
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We'd love to welcome your furry friend! Your pet needs to be at least 2 months old and under 13 years old when you sign up, and they should be properly identified with a microchip or tattoo. This is just for your peace of mind and theirs! We focus on making sure your wonderful companion animals are covered, so pets used for commercial or professional purposes aren't eligible. Also, they shouldn't have any major health issues or symptoms before you sign up.
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We know that when your pet needs care, you don't want to wait around for reimbursements! That's why at Kozoo, we make it super fast and easy. You simply upload your vet invoices and supporting documents directly from your personal online space, no tedious paper forms to fill out! Most reimbursements are processed within a lightning-fast 48 hoursdirectly to your bank account.
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Being with Kozoo means more than just insurance! You get unlimited access to veterinary tele-consultations, 7 days a week, so you can get advice whenever you need it. We also love helping you save money while learning, so you can participate in quizzes related to pet health and well-being to potentially earn discounts on your monthly premiums, a win-win for everyone! Plus, we've teamed up with partners to bring you exclusive discounts on pet food, hygiene products, and accessories.
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We understand that waiting periods can be a bit confusing, so here's the scoop: there's typically a short 14-day waiting period for accidents or injuries. For illnesses, it's usually 45 days. Some specific conditions and related surgeries (like hip dysplasia) might have a slightly longer period of around 90 days. But don't worry, we're very transparent about all the details when you choose your personalized plan!
