Pet Insurance Netherlands → Pet Insurance from € 6,91 per month (2024)

FAQs

How much is dog insurance in Netherlands? ›

On average, pet insurance costs around €25,- per month. Dog insurance tends to be slightly more expensive than cat insurance. Expect a premium ranging from €20,- to €40,- per month for dog insurance, and a premium between €10,- and €25,- per month for cats.

Most pet insurance plans reimburse only 70% to 90% of covered veterinary fees after the deductible, so you would have to spend more than $10,000 on your pet's care in a given year to reach the limit.

A pet insurance annual limit is the maximum dollar amount your pet insurance plan will reimburse over a year. Some policies set annual limits on specific health conditions as well. If you hit your annual limit, you'll have to pay your remaining vet expenses out of pocket.

Pet liability insurance in the Netherlands

In the Netherlands, damage caused by pets is covered by private liability insurance. This is a type of private, non-mandatory insurance that most Dutch people have. If you are a pet owner, it's a good idea to make sure you have this type of insurance.

The cost of compulsory basic insurance for medical care is set yearly by the Dutch government. The average basic Dutch health insurance premium in 2021 is approximately 120 euro per month. Basic health insurance in the Netherlands comes with a standard, obligatory deductible excess of 385 euro (in 2021).

According to our research, pet insurance costs $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month.

The amount you pay each month toward your pet's insurance plan is called a premium. Insurance underwriters determine premiums by analyzing financial risks, so your plan cost will vary based on where you live, your pet's health, and historical or breed-related data that can indicate future risks.

According to our survey of more than 1,000 dog owners, most spent an average of $40 to $290 per month on their dogs — or an average of $480 to $3,470 annually. But this number will vary depending on your dog's individual needs, size, pet insurance plan's costs, and health status.

Pet insurance companies typically divide their products into 3 main categories: accident-only, accident and illness, and wellness coverages. Each level offers specific services that are covered and excluded and will vary by price. Insurance policies are usually broken down by the type of pet being insured.

Does pet insurance cover MRI scans? ›

Depending on your pet's needs, your veterinarian might recommend a CT scan or x-ray instead of an MRI. Like MRIs, pet insurance typically covers both of those procedures. Pet insurance typically covers the cost as long as the scans do not relate to a pre-existing condition.

Deductibles generally range from $0 to $1,000. According to Nationwide, most pet owners choose an annual deductible of $250. Deductibles vary by pet insurance provider and their policies, but pet parents should prepare to pay out of pocket for a veterinary bill until meeting the plan's deductible.

First, you pay your set deductible amount. Then the reimbursem*nt percentage kicks in after the deductible has already been met. For example, if you have a 90% reimbursem*nt percentage, that means the company will pay 90% of the vet bill after the deductible is met, and you will pay 10%.

Reimbursem*nt Example

If your reimbursem*nt level is 80% and your claim is for $1,000 the company will pay $800 and you will pay $200. It's important to keep in mind that you will be responsible for paying the deductible each time you file a claim.

You can generally expect your pet's insurance coverage cost to increase each year, along with their age.

Dog taxes (hondenbelasting) vary from area to area, and will cost approximately €60 – 150 per year. Additional charges will be added for each additional dog. Cats or other animals do not require registration or tax.

The European pet insurance industry is expanding as a result of several factors, including the growing prevalence of pet adoption, the rise in veterinary expenses, the availability of a wide range of pet insurance alternatives, and the growing public awareness of these issues.

Generally, the bigger your dog, the more expensive its pet insurance premiums. The most expensive breeds to insure include Newfoundland, Dogue De Bordeaux, and Jack Russell terrier. You can cut pet insurance premiums by paying your premium in full and shopping around for pet insurance.

Dogs must be registered with the local town hall (Gemeente) and the Municipal tax office (Gemeentelijke Belastingdienst) upon arrival. Registration and taxation procedures apply only to dogs, not cats. These apply to non-commercial movement of pets to the Netherlands.