a.s.r. Pet Insurance in the Netherlands

Q: What does the basic policy cover?

Medically necessary costs (such as consultations, operations, medication, diagnostics and hospital stays) up to a maximum of € 2.500 per year, and only for treatment in the Netherlands.

Q: Which costs are not covered as standard?

Among other things: preventive care (vaccinations, neutering/spaying, microchipping), congenital or existing conditions at the time you take out the policy, travel, alternative therapies (such as acupuncture and physiotherapy), reproductive care and any aids or appliances.

Q: How do the own risk and the own contribution work?

For every claim you pay a 25% own contribution with a minimum of € 25 per invoice. No other own risk applies.

Q: What does a policy with a.s.r. cost?

The premium depends on breed, age and package. As a guide: dogs from € 16,14 per month and cats from € 12,06 per month. After each policy year the premium can go up because your pet is getting older.

Q: What are the main limitations at a.s.r.?

You can only sign up dogs and cats up to 6 years old. There is no cover for, among other things, preventive care, neutering/spaying, reproductive care, alternative treatments, aids and appliances, existing or congenital conditions and veterinary care abroad (except through the travel module).

What is a.s.r.

a.s.r. is one of the largest insurance companies in the Netherlands and is known for its customer-focused approach, its reliability and its sustainable way of doing business. With a history going back more than 300 years, a.s.r. offers a wide range of insurance and financial products for private customers and businesses. The company is committed to transparency, quality and social responsibility.

In the past, a.s.r. already offered pet insurance through its label Ditzo insurance. Founded in 2007 as the online brand of a.s.r., Ditzo served more than 700,000 customers with health, car, home and travel insurance.

On 17 April 2023, Ditzo was merged into its parent company a.s.r., together with Europeesche Verzekeringen.

This name change has no effect on the products and services of existing customers; from that moment on they receive their correspondence under the a.s.r. name. With this integration a.s.r. aims to strengthen its brand and its market position.

a.s.r. has recently started offering pet insurance as well, responding to the growing need among pet owners to keep veterinary care for their animals affordable. This addition to the product portfolio shows that the company keeps innovating and keeps listening to what its customers want.

What does a.s.r. pet insurance cost?

a.s.r. offers a wide range of insurance products, including:

Home insurance (such as buildings and contents cover)
Car insurance
Health insurance
Life insurance
Disability insurance
Pension solutions
Pet insurance

At a.s.r. it is not only about a broad range of products, but also about a personal and involved approach. Whether you want to protect your home against unexpected damage, insure your car against accidents or arrange security for later with a pension or life insurance policy, a.s.r. has a solution that suits your situation.

There is also special attention for disability insurance, which allows business owners and freelancers to protect themselves against a loss of income through illness or an accident. And for animal lovers, a.s.r. offers pet insurance to safeguard the health of your pet.

With its focus on sustainability and social responsibility, a.s.r. works towards a better world, so that you are not only well insured but also contribute to a sustainable future.

Frequently asked
questions about
a.s.r.
insurance

Frequently asked questions about a.s.r. insurance

Do you have any other questions?

Which animals can you insure with a.s.r.?

You can insure a dog or cat up to a maximum age of 6 years. After that age you can no longer sign a pet up; policies that are already running stay active as long as you keep paying the premium.

What does the basic policy cover?

The policy reimburses medically necessary costs (such as consultations, operations, medication, diagnostics and hospital stays) up to a maximum of € 2.500 per year, and only for treatment in the Netherlands.

Which costs are not covered as standard?

Costs that are not insured include:

Preventive care (e.g. vaccinations, neutering/spaying, microchipping)
Congenital or existing conditions at the time you take out the policy
Travel, alternative therapies (such as acupuncture and physiotherapy), reproductive care and any aids or appliances

How do the own risk and the own contribution work?

For every claim you pay an own contribution of 25%, with a minimum of € 25 per invoice. No other own risk applies.

Is there a waiting period for pet insurance?

Yes. A waiting period of 30 days from the start date applies to illness costs. Accidents are covered straight away, as long as there is proof (e.g. from a vet).

Which optional modules are available?

You can choose extra cover for:

Travel: reimbursement in Europe and around the Mediterranean up to € 1.000 per year
Cremation: cremation costs up to € 150 for dogs and € 100 for cats

How do you claim with a.s.r.?

You claim online through the a.s.r. app or the portal. Sometimes a.s.r. asks for a patient record from your vet as extra background to a claim.

What does a policy with a.s.r. cost?

The premium depends on breed, age and package:

Dogs: from € 16,14 per month
Cats: from € 12,06 per month

After each policy year the premium can go up because your pet is getting older.

Can you go to any vet?

Yes. You are free to choose which registered Dutch vet you visit. You then submit the costs to a.s.r. yourself.

What are the main limitations at a.s.r.?

You can only sign up dogs and cats up to 6 years old
No cover for preventive care, neutering/spaying, reproductive care, alternative treatments, aids and appliances, existing or congenital conditions and veterinary care abroad (except through the travel module)