Kozoo Review in France (2026)

Kozoo France stands out in the pet insurance market for its fully modular, à la carte approach, giving pet owners the power to build a custom formula that genuinely fits their pet's needs and their own budget. Instead of rigid plan tiers, you choose your own reimbursement rate (50%–100%) and annual ceiling (1,000€–3,000€), with no deductible by default and 48-hour reimbursements. If you appreciate managing things digitally, Kozoo is right up your alley — everything from quotes to claims is handled online or via their app.

A big plus is their optional preventive care budget, covering vaccines, deworming, flea treatments, dental cleaning, and health checkups — care that most French insurers exclude. What's truly appealing is their willingness to extend coverage to a broader range of companion animals: it's not just for dogs and cats, which is fantastic news for owners of more unique pets.

On the positive side, Kozoo doesn't hit you with a fixed deductible, which can be a relief when unexpected vet bills arise. They also promise lifetime coverage, ensuring your beloved pet remains protected no matter their age. Their comprehensive accident and illness coverage means you're well-prepared for unforeseen incidents, and the inclusion of 24/7 vet teleconsultation via the Liv'Vet app (included free in every formula) offers a modern, convenient way to get health advice. You also have a good range of options with 100+ possible formula combinations, 5 annual ceilings (1,000€ to 3,000€), and complementary options like prevention, death benefit, and third-party liability.

However, if you're someone who prefers a more traditional, face-to-face approach to customer service, Kozoo's digital-first support (primarily via app and web, though phone support is available Mon–Sat 9h–19h) might feel a bit impersonal. It's also important to note the variable copay depending on your chosen reimbursement rate, and the enrollment age limit of 12 years — pets older than that cannot be newly enrolled, though existing policyholders are covered for life.

In summary, Kozoo is an adaptable and contemporary choice in French pet insurance, particularly appealing if you value online convenience, no-deductible coverage from just 4.57€/month, and a provider that understands the diverse world of companion animals.

Kozoo takes a different approach from traditional pet insurers in France: instead of fixed plan tiers, they offer a fully modular, à la carte system where you build your own formula. Here's how it works:

How the Modular System Works

• 100+ possible combinations — you pick the reimbursement rate and ceiling that fit your budget
• No franchise by default — every euro spent at the vet is reimbursed at your chosen rate
• Prevention option — add a preventive care budget covering vaccines, deworming, flea treatments, dental cleaning, and health checkups
• Complementary options — death benefit, third-party liability (useful for category 1 & 2 dogs)

What's Covered

• Accidents (fractures, wounds, poisoning)
• Illnesses (infections, chronic conditions, digestive issues)
• Surgery and hospitalization
• Diagnostics (x-rays, ultrasound, blood tests)
• Alternative medicine (osteopathy, physiotherapy)
• 24/7 vet teleconsultation via Liv'Vet app (included free)

💡 Key advantage: Unlike fixed-tier insurers, Kozoo lets you fine-tune your coverage. A budget-conscious owner can start at 50% / 1,000€ from ~4.57€/month, while someone wanting maximum protection can go 100% / 3,000€ with prevention included.

Kozoo uses a modular pricing system — your monthly premium depends on:

• Pet type, breed, and age
• Chosen reimbursement rate (50%–100%)
• Annual coverage ceiling (1,000€–3,000€)
• Whether you add the prevention option

Starting Prices

• Dogs: from 7.60€/month
• Cats: from 6.95€/month

Example: 3-year-old Jack Russell in Paris

• Budget formula (50%, 1,000€ ceiling): ~6–8€/month
• Mid-range formula (80%, 2,000€ ceiling): ~15–20€/month
• Full coverage (100%, 3,000€ ceiling + prevention): ~25–35€/month

Example: 2-year-old indoor cat in Lyon

• Budget (50%, 1,000€): ~5–7€/month
• Mid-range (80%, 2,000€): ~12–16€/month
• Full coverage (100%, 3,000€ + prevention): ~20–28€/month

🔸 Note: Unlike some competitors, Kozoo does not drastically raise your premium with age, but fewer options may be available for pets over 8 years old. All formulas are without franchise (no deductible) by default.

Who Is Kozoo Best For?

✅ Ideal for:

• Pet owners who want to customize their coverage rather than choose from fixed tiers
• Owners who value no-deductible policies and fast 48h reimbursements
• Urban pet parents seeking hassle-free digital claims and 24/7 vet teleconsultation
• Younger pets (from 2 months) without pre-existing conditions

❌ Not ideal for:

• Pets with serious pre-existing conditions
• Owners who prefer phone-only support (Kozoo is primarily digital, though phone support is available Mon–Sat)
• Pets over 12 years old (maximum enrollment age)

3 Things We Also Liked

1. Prevention Option

Add a preventive care budget to your formula for vaccines, deworming, flea/tick treatments, dental cleaning, and annual health checkups — care that most insurers exclude entirely.

2. No Paper Required

Kozoo offers 100% paperless insurance from onboarding to claims. Submit claims through the app, get reimbursed to your bank account within 48 hours. No feuille de soin required.

3. Teleconsultation Included Free

Every Kozoo formula includes unlimited 24/7 vet teleconsultation via the Liv'Vet app — video calls with a vet without appointment, at no extra cost.