Pet Insurance in the Netherlands for Expats and Travellers

If you look for Petplan in the Netherlands you'll end up at Figo, as petplan.nl now redirects to figopet.nl. The policy is arranged by Veterfina B.V. and insured by AGILA Haustierversicherung AG, a German pet insurer. According to its policy conditions (version NW 05-2026), you choose a refund of 50%, 70% or 90%, an annual limit of €3,000, €6,000 or no limit, and an annual excess of €0, €100, €250 or €500. Prevention such as vaccinations is paid up to €75 a year with no excess, and the main cover also includes the microchip, cancer treatment including chemotherapy, physiotherapy up to €500 a year and behaviour therapy up to €300 a year when your vet refers you.

Waiting periods are 2 days for a provable accident and 30 days for illness. A 6-month wait applies to brachycephalic syndrome (the breathing problems of short-nosed breeds), syringomyelia, dental treatment unless your pet joined before 6 months old, and diseases picked up abroad such as leishmaniasis and heartworm. You can see vets in the Netherlands, Belgium and Germany without any add-on, which suits anyone living near a border. Elsewhere you'll need the Travel add-on, which pays up to €1,000 a year for care that can't wait until you're home, and Figo wants the invoice and medical notes in Dutch or English.

There's no maximum age to join, which Figo states on its English page. Dogs, cats, rabbits and parrots can be insured from 7 weeks, and each extra pet gets 5% off. We couldn't get a price on 11 November 2026 though. The form showed a notice that it was down for maintenance both times we tried that morning, and before anything else it asked for an email address the first time and for the pet's name the second time. Every "Get your quote" button on the English page leads to the Dutch calculator too. The cover also ends if you move abroad.

Figo pet Nederland had a score of 4.4 on Trustpilot from 937 reviews in the past 12 months when we checked on 11 November 2026. A customer wrote on 10 November 2026 that the claim was processed very quickly and paid out fast. Another said on 6 November 2026 that a physiotherapy claim was refused because the invoice didn't show the chip number, and a third that payouts were a bit slower than before.

Univé is a Dutch cooperative insurer, and taking out a policy makes you a member. Its pet insurance conditions (version 3.1) refund 80% of vet bills, with a 20% own share on each claim and no fixed excess. Illness and accidents each have their own annual limit of €2,500 or €5,000. The cover applies worldwide, at any vet. Unlike most Dutch policies, hereditary conditions, tumours (including chemotherapy and radiotherapy), chronic illness and allergies are covered. There's a 30-day wait except for accidents, and you get free access to VETTS, an online vet service.

Add-ons cover physiotherapy (beweegzorg) up to €500 a year, and dental and preventive care up to €500 and €100 a year. Dogs must be microchipped before the policy starts, and full cover is for dogs under 8 and cats under 10, with accident-only cover for older pets. Brachycephalic (short-nosed) breeds can't take out new policies, and the same goes for hairless and fold-ear cats.

This is where it gets harder for expats. Univé's general conditions require an address registered in the BRP and say Univé only communicates in Dutch, although vet invoices can be in English. The policy stops when you leave the Netherlands.

The calculator stayed blank on our first try on 11 November 2026, but it worked when we went back later that morning. With the default €2,500 limits and no add-ons it came to €28.76 a month for our 3-year-old dog, €44.73 for our 7-year-old Labrador and €19.84 for our 2-year-old cat, insurance tax included. Univé was the only form that gave the Labrador a price, as OHRA, InShared, a.s.r. and PetSecur all refused a 7-year-old dog.

Univé had a score of 1.8 on Trustpilot from 249 reviews in the past 12 months on 11 November 2026. None of the 20 most recent reviews were about pet insurance, so that score says more about its other products.

OHRA is a direct insurer in the Nationale-Nederlanden group. Its policy conditions (HSD2404, the version for new policies) and current benefits overview give three levels. Basis pays up to €2,000 a year, Plus up to €5,000 and Top up to €10,000. Every claim is refunded at 80% after an annual excess, which for dogs is €100 on Basis, €75 on Plus and €50 on Top (€70, €50 and €30 for cats). Medicines are capped at €250 a year on Basis and €500 on Plus, with no cap on Top.

The quote form gave us prices without asking for any personal details. On 11 November 2026 it was €24.87, €31.97 or €46.55 a month for our 3-year-old mixed-breed dog and €13.29, €17.09 or €25.00 for our 2-year-old cat, including a 10% discount for the first year, so expect the second year to cost more. The form refused our 7-year-old Labrador, as dogs must be under 7 when the policy starts (cats under 9).

Cancer treatment such as chemotherapy needs the extra therapies module, and dental care and vaccinations need another one. There's also a travel module that pays urgent care worldwide up to €1,000 a year on holiday trips, and a funeral module. You need to pass an identity check with iDIN, a login service run by Dutch banks, and the cover stops when you no longer live in the Netherlands. On the plus side, OHRA accepts vet invoices from abroad in English, French, German or Spanish.

OHRA had a score of 3.9 on Trustpilot from 999 reviews in the past 12 months on 11 November 2026, but that covers all its products. A pet owner wrote on 10 November 2026 that a vet bill was handled very quickly. On the same day another customer complained that they could never get through to a person and that renewing cost 40% more than a new policy.

PetSecur is a Dutch agency that sells policies insured by AGILA Haustierversicherung AG, the same insurer behind Figo, as a subagent of Veterfina. Its policy conditions (version 01.PS.2026) have three packages: Basis at 50% up to €3,250 a year, Standaard at 70% up to €5,000 and Extra at 90% up to €12,500. You can add a voluntary annual excess of €50, €100 or €150 to lower the price. Hip and elbow operations and intensive care are refunded at 50%, and MRI or CT scans only on Extra.

Urgent care anywhere in the world is included up to €1,250 a year, at Dutch rates. There's no general waiting period, but the policy starts at least 14 days after you apply and operations in the first 2 months aren't paid unless they follow a traffic accident. Consults and tests are capped at €500 a year in every package.

We'd read the exclusions carefully. Congenital and hereditary conditions are excluded, as are hip and elbow dysplasia, kneecap luxation and FIP in cats. Claims are only paid into a Dutch bank account. PetSecur's own pages disagree on the entry age, as one says dogs and cats are accepted up to and including 7 and another says before their 7th birthday. Its calculator settled it for us on 11 November 2026. It refused our 7-year-old Labrador with the message "Your dog's age is above the 7-year limit" (our translation from Dutch), so in practice pets must join before they turn 7, and pets that are already insured stay covered after that. The form also wouldn't move on without a name for the pet, which we didn't give, so the prices here are PetSecur's own published examples for a 1-year-old male with a €150 excess. They're €20.97, €32.15 or €43.50 a month for a Labrador and €13.34, €18.02 or €22.54 for a British Shorthair.

PetSecur had a score of 3.7 on Trustpilot from 575 reviews in the past 12 months on 11 November 2026. One customer wrote on 6 November 2026 that it was easy to reach by phone and that an emergency bill was paid after a review. Another said on 9 November 2026 that the claim form asks for the same information twice, and one reviewer said on 5 November 2026 that an illness was blamed on the period before the start date.

InShared is an online insurer whose policies are underwritten by Achmea Schadeverzekeringen. Its special conditions (HU-0224) pay 80% of vet costs with an annual limit of €3,000, €4,000 or €6,000. Consults are capped at €100 a year, and add-ons for cancer treatment, dental care and extra cover (vaccinations, physiotherapy and behaviour therapy up to €250 a year) can only be chosen when you start.

The quote form was quick and didn't ask for any personal details. On 11 November 2026 our 3-year-old mixed-breed dog came to €52.04 a month with a €3,000 limit or €54.79 with €4,000, and our 2-year-old cat to €30.31 with €4,000, insurance tax included. That made it the most expensive of the insurers we could test, by a long way. The 7-year-old Labrador was refused, as pets must be under 6 to join.

It's not all good though. Every hereditary and congenital condition is excluded, hip, knee and elbow problems included, and some breeds are refused. Your pet needs a chip registered within 2 weeks of the start, and the policy is for people who live in the Netherlands. Foreign vet invoices can be in English, French, German or Dutch.

InShared had a score of 3.5 on Trustpilot from 691 reviews in the past 12 months on 11 November 2026, covering all its products. We didn't find recent reviews about the pet policy to quote.

a.s.r. sells its pet insurance as part of Ik kies zelf (I choose myself), its package of policies you combine yourself, and Aegon's pet page now sends customers to it. Its conditions (IKZ HD 2024-02) pay up to €2,500 a year per pet, and you pay 25% of each claim with a minimum of €25. Vaccinations, neutering, dental care, congenital conditions and physiotherapy aren't covered, and only vets in the Netherlands count unless you add the travel module, which covers up to 180 days abroad a year. A cremation module is also available.

a.s.r. publishes prices from €16.60 a month for a dog and €12.40 for a cat. Its calculator didn't show a price for our 3-year-old dog or 2-year-old cat on 11 November 2026, and it refused the 7-year-old Labrador because pets must be under 6. You'll need an ISO microchip, and both you and your pet must live in the Netherlands.

a.s.r. had a score of 1.2 on Trustpilot from 247 reviews in the past 12 months on 11 November 2026, covering all its products. We didn't find recent reviews about the pet policy.