Best animal insurance: top 10 animal health insurance

Written by The Meilleurtaux editorial team .
Updated

June 21, 2023 .
Reading time :
6 mins

Adopting an animal means having to face medical expenses that can quickly become costly in the event of an accident or illness. Taking out mutual insurance for animals is very useful. With the many existing offers, it is not always easy to find the right blanket for your furball. To help you, here is our ranking of the 10 best animal health insurance for dogs and cats.

The 10 best health insurance for your pets

Fidanimo

The insurance company offers widest range of animal insurance on the market. You can choose between 9 plans to personalize your insurance. The support rates are between 50 and 90% with annual ceilings between €1,000 and €2,000. Customers appreciate:

• ease of subscription;
• the speed of reimbursements, within 72 hours;
• the possibility of contacting qualified advisors for any veterinary questions;

Agria

The Swedish company is specializing in pet insurance for over a century. It offers a very complete range, flexible according to your needs and your budget. The insurer stands out accepting all breeds of cats and dogs. With Agria, the age of your four-legged companion is not taken into account, the guarantees taken out are always maintained. Scandinavian insurance is considered one of the best mutual insurance companies for animals. It offers the highest annual reimbursement ceiling on the market: up to €7,200.

Self-insurance

The insurer offers one of the cheapest pet insurance on the market. Their economical formula costs less than ten euros per month. It includes 100% coverage in the event of illness, accident or surgery, all without excess. The online insurer also offers optional guarantees: civil liability or death benefit.

AG2R La Mondiale

The French insurance specialist offers formula to cover your pets at an attractive price. For less than €13, the reimbursement rate is 70% for health costs, linked to accidents or illnesses, or surgery expenses. This mutual without deductible includes death benefit guarantee in all its plans. The prevention package allowing you to be reimbursed for vaccines is only available with the high-end plan.

April

The insurer offers three formulas corresponding to three support rates : 50%, 80% or 100%. The guarantee ceilings are between €1,000 and €2,000 depending on the insurance levels. April insurance prices are competitive, with an attractive prevention package, but note the total absence of assistance guarantees. Another positive point: the price of contributions remains the same regardless of the age of the animal. Please note, be careful about the excess, it is doubled when the animal is over 11 years old.

Assur O Poil

The insurer offers 5 formulas according to your needs : three levels of coverage with a high coverage rate of between 80 and 100% and two specific formulas for dogs and cats. With the exception of the preventive formula, all other offers offer good coverage of vaccination and sterilization costs. It is possible to choose between 3 annual reimbursement ceilings between €1,300 and €2,500. Customer reviews of this animal insurance are positive. They highlight the efficiency of customer service and the simplicity of procedures to obtain reimbursements. Be careful, however, to take into account the deductible amounting to 20% on each act.

Animal Health

Specialist in health insurance for dogs and cats, Animaux Santé offers 5 levels of guarantees. The coverage rate is between 50 and 90% with an annual reimbursement ceiling of between €1,500 and €2,500. The insurer offers interesting formulas without franchise for prices between €15 and €60. It stands out for the quality of its offer: easy refund requests effective after 72 hours.

Crossroads Insurance

The insurer offers one of the best animal insurances in terms of value for money.

You have the choice between 3 levels of guarantee:

• The economic formula: from €6.50 per month it allows you to benefit from an annual reimbursement ceiling of €1,000.
• The “Balance” and “Balance +” formulas: they offer a better coverage rate of 80% in the event of illness or accident.
• The most complete formula includes a prevention package amounting to €76 per year.

Customers appreciate the ease of subscription, the speed of processing reimbursement requests and responsiveness of customer service.

Blue Bubble

Health Insurance Specialistfor pets, Bulle Bleue wishes to offer its customers quality support with qualified advisors. The insurer's 3 formulas cover 80% of veterinary costs. The reimbursement ceilings vary between €1,000 and €2,000 depending on the guarantee levels. The guarantees taken out are the same, regardless of the age or state of health of your animal. The insurer stands out with its prevention package of €100 per year. This insurance offers shortest waiting period on the market : 7 days in the event of illness, provided you take out a Bulle Bleue health certificate.

Dalma

Animal insurance 100% digital offers customizable formulas for dogs and cats without franchise : coverage rate of 60 to 100% and annual ceiling between €1,000 and €2,500 per year. In addition to traditional guarantees, Dalma innovates with its application offering unlimited access to consultations with veterinarians 24/7. Once processed, the Refunds are made within 48 hours. If you are looking for coverage that covers the costs of vaccines, antiparasitics, alternative medicines, scaling, etc. Dalma is the best pet health insurance on the market. Its wellness package allows you to be reimbursed up to €200 per year.

I find the best animal insurance

Summary table: the 10 best insurance for animals

Ranking of the best animal insurance
Insurer	Membership age limit	Maximum annual reimbursement ceiling	Waiting period	Franchise	Discounts
Agria	No limit	€7,500	Accident: 24 hours Illness: 20 days	Between €60 and €140	10% from the second animal and 20% from the third.
Self-insurance	12 years	€2,500	Accident: 15 days Illness: 60 days	None	3 months free for any renewal of a comfort or premium contract taken out online
AG2R La Mondiale	8 years	€2,000	Accident: 48 hours Illness: 45 days	None	Free death benefit guarantee
Fidanimo	8 years	€2,000	Accident: 48 hours Illness: 45 days	Between 0 and 70 €	Lifetime pet insurance guarantees Partner veterinarian network
April	6 years	€2,000	Accident: 48 hours Illness: 30 days	Between €10 and €75	15% reduction from the 2nd insured animal
Assur O Poil	10 years	€2,500	Accident: immediate Illness: 45 days	20% (€15 min per act)	1st membership: 1 month of membership + a free connected medallion 10% discount from the 2nd animal.
Animal Health	6 to 8 years for dogs 8 to 10 years for cats	€2,500	Accident: 48 hours Illness: 45 days	None	20% off your second pet Sponsorship offer
Crossroads Insurance	6 years	€2,000	Accident: 15 days Illness: 60 days	20% (€20 min per act)	€30 offered as an e-gift card for any subscription
Blue Bubble	Between 7 and 9 years old	€2,000	Accident: 7 days Illness: 7 days	Between 0 and 150 €	Support for alternative medicines from the economic formula
Dalma	9 years	€2,500	Accident: 48 hours Illness: 45 days	None	15% discount for any additional animal

I find the best animal insurance

Pet health insurance: how does it work?

Such coverage allows you tobe reimbursed for veterinary costs. By taking out mutual insurance for animals you can save money if your pet, dog, cat or NAC, has a health problem. Veterinary care can quickly become extensive. A health insurance for your pet is a necessary precaution to protect your pet while respecting your budget. Insurance companies offer different packages, often customizable, depending on the profile of your animals: age, breed, needs, etc.

How to choose the best health insurance for your pets?

To choose the right formula, it is important to take several factors into account:

When an insurance company offers you a rate of 80%, you will be reimbursed up to 80% of the fees paid to the veterinarian.

Be careful to check the conditions of coverage: accident, illness, surgery, etc.

• The reimbursement ceiling

This other indicator tells you about the maximum reimbursement amount per year for your pet's health expenses.

This is an amount that remains systematically your responsibility. It is paid once a year or deducted from each act.

This contractual period applies from the subscription date. During its duration, your insurer does not cover the care of your animal.

We advise you to carefully check the guarantees in your contract to avoid unpleasant surprises. See which consultations are covered in the essential guarantees. Are medications and medical tests reimbursed?

Would you like to be covered for prevention costs (vaccine, sterilization, anti-parasites, scaling)? We advise you to choose insurance offering a wellness package with attractive reimbursement.

I find the best animal insurance

Use our animal insurance comparator

Due to the multiplicity of offers offered by mutual insurance companies for animals, it is useful to use a insurance comparator to find the best offer adapted to your budget and the needs of your pet.

This tool free and impartial allows a time saving not negligible but also big savings made.

Written by
The Meilleurtaux editorial team