Dierenverzekering.nl pet insurance in the Netherlands

Q: What exactly does Dierenverzekering.nl cover?

Dierenverzekering.nl provides basic cover for medically necessary costs when your dog or cat is ill or has an accident. Think of consultations, medication, examinations, operations and hospital admission within the Netherlands.

Q: Which limits and reimbursement apply?

You choose an annual maximum of € 3.000, € 4.000 or € 6.000. Of the costs incurred, 80% is reimbursed, after deduction of the 20% own contribution.

Q: Is there a waiting period and what does it involve?

Yes, a 30-day waiting period applies to illness costs. Costs caused by an accident are covered immediately. Exceptions: microchipping and vaccinations (with the additional module) and neutering/spaying with extra cover.

Q: Are pre-existing or hereditary conditions covered?

No. Pre-existing, hereditary or chronic conditions at the time you take out the policy are excluded. Conditions that arise within the waiting period are not eligible for reimbursement either.

Q: Are there additional modules?

Yes. Examples: dental care (including cleaning and extraction), cancer treatment (such as chemotherapy), extra therapy (physiotherapy, behavioural therapy) and preventive care. Each module has its own maximum and the same 20% own contribution.

Q: How do you claim?

Claiming is done through your online account or the app. Upload the invoice with the microchip number and details; the claim is assessed for medical necessity under the policy conditions.

Q: How long do you have to claim?

You can usually submit up to 12 months after the treatment or claim date. Check your own policy for the exact deadline.

Q: Can I choose my own vet?

Yes, you are free to choose vets and specialists within the Netherlands and Europe, provided the treatment is medically necessary.

Q: Up to what age can you insure a pet with Dierenverzekering.nl?

You can insure your dog or cat at any age as long as the animal is healthy and has no pre-existing conditions. For older animals, restrictions or clauses may apply after an individual assessment.

What is Dierenverzekering.nl?

Dierenverzekering.nl is a specialist website focused on pet insurance in the Netherlands. The platform helps pet owners give their animals the care and protection they deserve. With pet insurance from Dierenverzekering.nl you are covered against unexpected medical costs and your pet has access to professional veterinary care. Whether it is a routine check-up, a vaccination or an emergency, Dierenverzekering.nl offers broad cover to keep your pet healthy and happy.

Which types of insurance does Dierenverzekering.nl offer?

Dierenverzekering.nl offers 3 packages, each tailored to a different need:

Basis:
- Covers essential medical care, such as consultations and vaccinations.
- Treatment for minor procedures and basic diagnostics.
- Ideal for pet owners looking for simple, affordable cover.
Plus:
- Includes everything in the Basis package, plus cover for specialist care.
- Cover for medication and more advanced diagnostic tests such as X-rays and ultrasound scans.
- Suited to pets that are more likely to need extensive medical care.
Top:
- The most comprehensive package, with cover for operations, hospital admission and physiotherapy.
- Includes alternative therapies such as behavioural therapy and acupuncture.
- Preventive care such as flea and tick treatments and worming can also be included.

These packages can be extended further with additional modules, such as dental care or travel insurance for your pet.

Frequently asked
questions about
Dierenverzekering.nl

Frequently asked questions about Dierenverzekering.nl

Do you have any other questions?

What exactly does Dierenverzekering.nl cover?

Dierenverzekering.nl provides basic cover for the medical costs of your dog or cat in the event of illness or an accident. This includes consultations, medication, examinations, operations and hospital admission within the Netherlands.

Which limits and reimbursement apply?

You can choose a maximum reimbursement per year, for example € 3.000, € 4.000 or € 6.000, with 80% of the costs reimbursed (after deduction of the 20% own contribution), plus optional extras for dental care, physiotherapy, cancer care and more.

Is there a waiting period and what does it involve?

Yes, a waiting period of 30 days applies to illness—costs arising during this period are not reimbursed. Exceptions are accidents, microchipping, vaccinations (with the additional module) and neutering/spaying with extra cover.

Are pre-existing or hereditary conditions covered?

No. All pre-existing, hereditary or chronic conditions at the time you take out the policy are excluded. Conditions that start within the waiting period are not eligible for reimbursement either.

How much own contribution do you pay?

You pay a 20% own contribution on all medical costs you claim. There is no additional own risk per year or per invoice. Only the standard 20% that you pay yourself.

Are there additional modules?

Yes, you can choose additional cover, such as:

Dental care (e.g. cleaning, extraction),
Cancer treatment (such as chemotherapy),
Extra therapy (physiotherapy, behavioural therapy, etc.),
Preventive care, each with its own maximum and the same 20% own contribution.

How do you claim?

Claiming is simple through your online account or the app. Upload the invoice with the microchip number and details; the claim is assessed for medical necessity under the policy conditions.

How long do you have to claim?

Claims usually have to be submitted within 12 months of the treatment or claim date. Check your own policy for the exact deadline.

Can I choose my own vet?

Yes, you are free to choose. This applies to vets as well as specialists within the Netherlands and Europe, provided the treatment is expected to be medically necessary.

Up to what age can you insure a pet with Dierenverzekering.nl?

You can insure your dog or cat straight away, regardless of age, as long as the animal is healthy and has no pre-existing conditions. For older animals, however, restrictions or clauses may apply based on an individual assessment.