Pet Insurance in Belgium for Expats and Travellers

Figo is a pet insurer from the Netherlands that sells in Belgium through its Belgian branch in Hasselt, with AGILA Haustierversicherung AG as the insurer, and Ethias sells the same policy under its own name. According to its general conditions (version 09-2026) and its information sheet dated 10 September 2026, you choose a refund of 50%, 70% or 90%, an annual limit of €3,000, €6,000 or no limit at all, and an annual excess of €0, €100, €250 or €500. Prevention such as vaccines is paid up to €75 a year with no excess. Waiting periods are 2 days for accidents and 30 days for illness, plus 6 months for a list of conditions that includes dental problems and diseases picked up abroad such as leishmaniasis. There's no maximum age to join, and dogs, cats, rabbits and parrots can all be insured.

Figo's form was the only one that gave us a price for all three test pets on 9 November 2026 without asking for an email address. At 70% with a €3,000 limit and no excess it came to €39.06 a month for our 3-year-old mixed-breed dog, €70.01 for the 7-year-old Labrador and €27.75 for the 2-year-old cat. The cheapest combination we tried (50%, €3,000 limit, €500 excess) was €14.53 a month for the dog.

It's not all good though. The website and documents are only in Dutch and French, and phone support runs on weekdays from 9:00 to 12:30 and 13:30 to 17:00. Vet bills abroad are only paid with the Travel add-on, up to €1,000 a year, and the cover stops if your pet spends more than 3 months in a row outside Belgium. Foreign vet bills are accepted in English though.

Figo pet België had a score of 4.1 on Trustpilot from 395 reviews on 9 November 2026. One customer wrote on 13 May 2026 that their first claim "went very smooth", while another said on 11 June 2026 that Figo didn't handle a claim fairly even after they sent vet evidence that the condition wasn't pre-existing.

PetExpert is an insurance agent based in Brussels whose policies are insured by KBC Insurance, with claims handled by PetExpert Belgium BV, and KBC Brussels sells it to its own customers. Its general conditions, dated 30 July 2025 and still the version on petexpert.be on 9 November 2026, set three levels. Premium, Plus and Extra have annual limits of €1,800, €2,400 or €3,600 for dogs and €1,500, €2,000 or €3,000 for cats, and every claim has an excess of 10% with a minimum of €40, so you get back up to 90%. Plus adds €300 a year for finding a lost pet, and Extra adds €400 plus cover for loss, theft and death. Waiting periods are 3 days for accidents, 30 days for illness and 6 months for orthopaedic conditions. Partner clinics can bill PetExpert directly, you can still use any licensed vet in Belgium, and trips to the EU, the UK, Switzerland and Norway are covered for 60 days a year.

This is the one we'd point most English speakers to first. The website and the quote form are in English, and the form gave us a price without asking for any personal details or even a postcode. On 9 November 2026 it was €30, €35 or €40 a month for our 3-year-old mixed-breed dog and €25, €30 or €35 a month for our 2-year-old cat, depending on the level, and the quote was valid for 90 days.

It's not all good though. Large dogs can only join up to age 6 (8 for medium dogs and cats, 10 for small dogs), so the form wouldn't accept our 7-year-old Labrador at all. There's no cover for vaccines or other routine care, and skin conditions are capped at 30% of the annual limit. We didn't find any Trustpilot reviews for PetExpert in Belgium, so we can't tell you yet how its claims go in practice.

Belfius Direct is the online insurer of the Belfius group. Its general conditions (BDPE_15062026) and product sheet dated June 2026 say it pays 80% of eligible vet costs with no fixed excess, up to €1,500 or €2,500 per claim for a dog (€1,000 or €2,000 for a cat), or with no limit on the top level. Every level includes up to €750 for theft, loss, search costs and boarding if you're in hospital for more than 4 days. Options add prevention (€75 a year) and travel cover for urgent care on trips of under 3 months, with trip cancellation up to €2,000. Dogs must join before 8 and cats before 9, with a microchip, and there's a 3-month wait for illness and for kneecap problems (patellar luxation). Belfius Direct publishes prices from €12.50 a month for a dog and €8.50 for a cat.

Do be aware though that hip, elbow and shoulder dysplasia are never covered, which matters if you have a larger breed, and the contract ends if your main residence leaves Belgium. On the plus side, you can cancel at any time with a month's notice. The French quote form showed us an error page on 9 November 2026, and the Dutch one went through the pet's details and then asked for the owner's name, date of birth and full street address before any price, so we stopped there. Nothing is in English, although foreign vet bills are accepted in English.

Belfius Direct had a score of 3.3 on Trustpilot from 282 reviews on 9 November 2026, but those reviews cover all its products and the recent ones we read were about car and bike claims. Several customers said it was hard to reach once they had a claim, like one writing on 14 September 2026 who said their messages went unanswered for weeks.

SantéVet is a pet insurance specialist that sells in Belgium through the broker Vetassur, with AXA Belgium as the insurer. Its general conditions and product sheet are dated 1 March 2025 and were still the versions on santevet.be when we read them on 9 November 2026. They list Light at 50% up to €2,000 a year with a €20 annual excess, Confort at 70% up to €3,000 (€40), Premium at 90% up to €5,000 (€60) and Cat Indoor at 90% up to €1,800 (€50), plus €20 to €80 a year for prevention depending on the formula. Waiting periods are 48 hours for accidents and 45 days for illness, with 6 months for surgery after an illness and for cruciate ligament problems. Its Payvet service can pay the vet bill for you, there's a 24/7 emergency line and trips abroad are covered for up to 3 months in a row.

It's not all good though. Dogs have to join before age 5 or 7 depending on the breed and cats before 8, which is tight if you're moving with an adult pet. The site is only in French and Dutch, and when we ran the quote form for our 3-year-old dog it went through the pet's details and then asked for a name and full postal address before any price, so we stopped there.

SantéVet's Belgian profile had a score of 4.1 on Trustpilot from 8,130 reviews on 9 November 2026. Recent reviews praise fast refunds, with one on 23 October 2026 saying claims were processed "quickly and without hassle". Others were unhappy at renewal, as one customer wrote on 10 August 2026 that their premium went up by 25.8% and another was told on 3 June 2026 that the new contract would be almost 30% more expensive.

AG is one of Belgium's largest insurers, and its Top Hond & Kat (Top Dog & Cat) policy pays 90% of vet costs after an excess of €100 per claim, according to its general conditions (edition 21/03/2026). The limit per claim is €2,000 on Basis, €4,000 on Comfort and unlimited on Premium, and you're covered in Belgium, France, Germany, the Netherlands and Luxembourg. The Pack Hond & Kat+ add-on pays prevention up to €75 a year with no excess, dental illness up to €500 and urgent care abroad up to €2,000 per claim on trips of under 6 months. Waiting periods are 24 hours for accidents and 30 days for illness.

Do be aware though that you can only buy it through an AG broker or a BNP Paribas Fortis branch, and only if you already have an AG home or car policy, or two other AG family policies, in the same customer file (Familis). Dogs have to join before 7 and cats before 8, with a microchip, vaccinations and an EU pet passport. The main cover leaves out dysplasia, arthrosis, kneecap and cruciate ligament problems, disc hernias and dental disease. There's no online quote, so we couldn't test a price, and the pages and documents are in French and Dutch only. We didn't find enough recent reviews of the pet policy to quote.