| Name | Figo | Santevet | Belfius Direct |
|---|---|---|---|
| 
| 
|  |
| | | | |
| from € 9,70 | from € 12,31 | from € 15,96 | |
| View insurance | View insurance | View insurance | |
46% choose | 31% choose | 23% choose | |
| Coverage: | |||
| Joint disease |  | ||
| Admission and stay clinic | |||
| Castration/sterilization | | | |
| Consult veterinarian | |||
| Medicines | |||
| Euthanasia | |||
| Dentistry | | | |
| Operations | |||
| X-ray examination | |||
| MRI | |||
| CT scan | |||
| Vaccination | | ||
| Blood test | |||
| Healthcare costs abroad | | | |
| Prevention budget | |||
| Video consult | | | |
Max. fee per year | Unlimited
| € 5000 | € 2.500 to € 5.000 |
Own risk | You can choose from €0, €100, €250 or €500 deductible per year. | You can choose from 50%, 70% or 90% | You can choose from €0, €500, €500 or €900 deductible per year. |
| View insurance | View insurance | View insurance | |
| | | | |
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| |
The “as of” prices listed are for small dogs and cats. For adults, the monthly premium is usually higher.
The coverages listed refer to the most comprehensive package. Basic policies often cover fewer options.
Prices and coverages updated May 6, 2025.
Dog insurance actually works like health insurance for humans. Vet consultations, treatments, surgeries and medications can add up considerably.
Dog insurance helps cover these costs (partially or fully), depending on the formula you choose.
In Belgium, more and more dog owners are opting for insurance so they can continue to pay for the best care for their pet in all circumstances.
There are several providers operating in Belgium, each with their own terms and prices. Therefore, comparing dog insurance policies is the best way to find the ideal coverage. Consider the factors below:
By comparing these things carefully, you can more quickly choose an insurance that fits your needs and budget.
In Belgium, Figo Pet, SantéVet and Belfius Direct are well-known providers that often score highly on price and coverage.
Figo Pet offers flexible formulas where you can have up to 90% of vet costs reimbursed. There is no annual limit with certain packages, which is ideal in case of unexpectedly high costs. Moreover, claims processing is quick and easy via their app or online portal.
Operating in Belgium and France, SantéVet offers clear formulas, with reimbursements of up to 90%. Vaccinations, preventive care and even dental care can be included, depending on the package chosen. Claims are often processed within 48 hours.
Belfius Direct offers dog insurance with clear conditions and reliable service.
You choose from various coverages that usually reimburse around 80% of veterinary costs, with a pre-defined deductible.
Below you can see the starting prices per month of several insurers in Belgium.
The exact premium depends on factors such as your dog’s age, breed and health.
Use this table as a starting point to easily find the best and most advantageous insurance for your four-legged friend.
Please note that the prices shown usually apply to young, healthy dogs. For adult or specific breeds, the monthly premium may be higher.
| Insurance company | Starting price (per month) |
|---|---|
| Figo Pet | € 9,70 |
Dog insurance is health insurance for your dog. It covers (partially) medical expenses such as consultations, operations, hospitalisations and medications. So you can always guarantee the best care for your dog without financial worries.
Dog insurance protects you from high and unexpected veterinary costs.
In the event of an accident, illness or long-term treatment, costs can quickly mount up. Thanks to insurance, you don’t have to choose between your wallet and your dog’s health.
Starting prices for dog insurance start at around €9 per month for young and healthy dogs.
The final premium depends on age, breed, weight and the coverage chosen.
It depends on the package chosen.
Basic insurance usually covers interventions in case of illness or accident. More comprehensive formulas may also cover vaccinations, dental care or physiotherapy.
Always read the policy conditions carefully.
Many insurers allow you to insure dogs up to a certain maximum age, say 7-8 years.
Is your dog older? Then it becomes more difficult or expensive to take out new insurance. It is therefore smart to insure your dog young.
Yes, with certain providers you can have preventive care such as vaccinations and annual check-ups (partially) co-insured.
For this, check the terms and conditions of the package you choose.
After paying the vet, submit the invoice and necessary documents to the insurer.
Depending on the provider, your claim will be processed within days to weeks and you will receive the reimbursed amount.
