Pet Insurance Netherlands
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How we compare pet insurance in the Netherlands

On this page you can read exactly how our comparison is put together: who is behind this site, where the figures come from, what the stars mean and how we earn our money. That way you can judge for yourself how much weight to give our comparison.

Jordy Vink with his dog and cat

Jordy Vink

Pet insurance specialist · Pet-Insurance-Netherlands.nl

Jordy keeps track of the premiums, cover and policy terms of every insurer in this comparison and writes the articles in the knowledge centre. Spotted something that is not right? Email info@saunatips.nl and we will correct any errors as soon as we can verify them.

Which insurers you will find in the comparison

Which providers you see depends on the animal. Not every insurer covers every type of pet, and that determines how long the list is:

Dog insuranceseven providers: Petsecur, Figo Pet, OHRA, Inshared, Univé, Dierenverzekering.nl and a.s.r.
Cat insurancethe same seven providers
Puppy insurancethe same seven providers as for dog insurance
Rabbit insuranceFigo Pet only — currently the only provider that insures rabbits. We therefore place its three packages side by side
Bird insurancealso Figo Pet only, again with the three packages side by side

If only one insurer appears in a comparison, we say so. A short list does not mean we have made a selection, but that there are no other providers insuring that animal.

An insurer is included in the comparison if two conditions are met:

  • the policy can be taken out online by private individuals in the Netherlands;
  • the policy terms and an indicative premium are public, so that we can verify every column.

Where the data comes from

For every policy we record the same details, so the columns are comparable with one another:

Premium fromthe lowest monthly premium of the cheapest variant
Reimbursement percentagewhich share of the bill the insurer reimburses
Max. fee per yearthe ceiling per policy year
Own riskthe amount you pay yourself before reimbursement starts
Fifteen cover componentsfrom vet consultations and surgery to dentistry, MRI, CT scans, a prevention budget and treatment costs abroad, showing per component whether it is included, not included, or only applies under conditions

The source is always the insurer itself: the policy terms and the premium calculator on its own website. We copy nothing from other comparison sites.

A note about the from-prices. These apply to the cheapest variant and to an average, healthy pet. Your own premium depends on breed, age and weight, and on the cover you choose. Always calculate your own premium with the insurer before you take out a policy.

What the stars mean

The star score is our own assessment of the value for money of a policy. It is not a customer rating and not an average of reviews: no customer review feeds into it at all.

We weigh up four things, all of which you can find in the comparison table on the same page:

  1. How broad the cover isHow many of the fifteen cover components are fully included, and how many only apply under conditions.
  2. How high the annual ceiling isUnlimited reimbursement weighs more heavily than a maximum of a few thousand euros.
  3. What the policy costsThe from-premium, compared with the cheapest policy in the same comparison.
  4. Whether an own risk appliesA policy without an own risk scores higher than a policy with an own risk or a contribution per claim.

Because all four elements come straight from the table, you can always check our score yourself. Do you see a score that does not match the figures next to it? Let us know and we will explain why, or we will change it.

How we earn our money

Pet-Insurance-Netherlands.nl is free to use and we will never send you a bill. We earn our money through affiliate commissions.

For every provider in our comparisons, we may receive a commission when you take out a policy via a link on our site. We work directly with Petsecur and Figo Pet; the other insurers run through affiliate networks.

Three things that are worth knowing about that:

  • You pay nothing extra. The premium is the same as when you go directly to the insurer.
  • The commission does not change the data. We take premiums, cover and policy terms from the insurer itself, and you can check them in the policy conditions.
  • You are not tied to anything. You take out the policy with the insurer, not with us, and under their terms.

What we are not

We are a comparison site, not a broker and not an adviser. We do not hold an AFM licence and are therefore not allowed to advise you on which policy is right for your situation. You never take out a policy with us, always with the insurer itself; we only refer you on. Questions about terms, cover or an existing policy should go to the insurer concerned.

Spotted something that is not right?

Insurers adjust their premiums and terms regularly, and our table can lag behind for a while. Do you see an incorrect amount, cover that has since changed or a link that does not work? Email it to info@saunatips.nl. That helps everyone who visits the site after you.

This approach applies to all our comparisons

Premiums and cover last checked on 30 July 2026.