Pet insurance in Belgium: what it costs
What a typical dog and cat policy costs in Belgium, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€17.67 a month, about €212.04 a year
Belfius Direct mixed-breed dog Zilver 185-239 EUR/yr by weight, midpoint 212/yr = 17.67/month (HelloSafe, ~1-year-old dog). Belfius Brons mixed breed from 135/yr (11.25/month); Labrador: SantéVet Confort 393/yr (32.75/month), Figo 70% 461/yr (38.42/month). Page dated Jan 2025. source
Cat
€20.25 a month, about €243 a year
Selectra (5 Nov 2026), female microchipped 1-year-old moggy (gouttière): SantéVet 1,500 cap 243/yr (20.25/month); SantéVet 1,100 cap 11.83; Figo 50% 13.58, 70% 21.75, 90% 27.08; Assur O'Poil 35.00-64.25; Belfius Direct from 9.50 (150 EUR excess). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €11.66 | €139.95 |
| Small | €13.78 | €165.39 |
| Medium | €15.37 | €184.47 |
| Large | €19.61 | €235.36 |
| Giant | €26.51 | €318.06 |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | €17.49 | €210 |
| French Bulldog | €25.27 | €303 |
| German Shepherd Dog | €19.08 | €229 |
| Golden Retriever | €16.61 | €199 |
| Dachshund (Standard) | €14.31 | €172 |
| English Cocker Spaniel | €14.67 | €176 |
| Chihuahua | €11.13 | €134 |
| Border Collie | €14.31 | €172 |
| Mixed breed (dog) | €13.25 | €159 |
| Mixed breed (cat) | €17.21 | €207 |
| Maine Coon | €20.05 | €241 |
| British Shorthair | €19.04 | €228 |
| Ragdoll | €18.02 | €216 |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Belgium → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.