Dog insurance Belgium

Compare all dog health insurance policies.

NameFigoSantevetBelfius Direct
Comparer les assurances pour chiens
Hondenverzekering FIgo Pet
 from € 9,70 from € 12,31 from € 15,96
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46% choose
FIgo Pet

31% choose
Figo Pet

23% choose
OHRA

Coverage:
Joint disease OHRA gewrichten aandoeningen
Admission and stay clinic
Castration/sterilizationOHRA joint diseases
Consult veterinarian
Medicines
Euthanasia
DentistryQuestionQuestionOHRA joint diseases
Operations
X-ray examination
MRI
CT scan
VaccinationQuestion
Blood test
Healthcare costs abroadQuestionQuestionQuestion
Prevention budget
Video consultQuestionQuestionQuestion

Max. fee per year

Unlimited

Question

€ 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.

OHRA eigen risico
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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.

What is dog insurance (health insurance for dogs)

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.

Compare dog insurance

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:

  • Reimbursement rate: many policies reimburse 50%, 70% or 90% of medical expenses.

  • Annual limit: some policies work with a maximum amount per year, for example, €1,000 or €3,000.

  • Deductible: the amount you pay yourself per year or per treatment.

  • Waiting times and conditions: check how soon the insurance starts and whether any exceptions apply.

  • Age limit: some insurances have a maximum age limit for new enrollees.

By comparing these things carefully, you can more quickly choose an insurance that fits your needs and budget.

Comparer les assurances pour chiens

Best dog insurance policies in Belgium

In Belgium, Figo Pet, SantéVet and Belfius Direct are well-known providers that often score highly on price and coverage.

Figo Pet

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.

SantéVet

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 Insurance

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.

What is the cost of dog insurance in Belgium?

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 FAQ

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.