Pet insurance in Czechia: what it costs
What a typical dog and cat policy costs in Czechia, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
399 CZK a month, about 4,788 CZK a year
Skrblík comparison (1 Sep 2026): PetExpert (ČSOB) accident+illness Start 299 / Basic 399 / Premium 499 / Exclusive 599 CZK/month, limit up to 120,000/yr, 10% deductible min 1,000; Direct from 299/month; ČPP HAFAN (dogs) from 940 CZK/yr (~78/month, limit 10-50k). Profile not stated; price varies with age and size. source
Cat
399 CZK a month, about 4,788 CZK a year
Skrblík comparison (1 Sep 2026): PetExpert (ČSOB) covers dogs and cats, Start 299 / Basic 399 / Premium 499 / Exclusive 599 CZK/month, no separate cat tariff published; Direct from 299/month. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | 263.34 CZK | 3,160.08 CZK |
| Small | 311.22 CZK | 3,734.64 CZK |
| Medium | 347.13 CZK | 4,165.56 CZK |
| Large | 442.89 CZK | 5,314.68 CZK |
| Giant | 598.50 CZK | 7,182 CZK |
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 | 395.01 CZK | 4,740 CZK |
| French Bulldog | 570.57 CZK | 6,847 CZK |
| German Shepherd Dog | 430.92 CZK | 5,171 CZK |
| Golden Retriever | 375.06 CZK | 4,501 CZK |
| Dachshund (Standard) | 323.19 CZK | 3,878 CZK |
| English Cocker Spaniel | 331.17 CZK | 3,974 CZK |
| Chihuahua | 251.37 CZK | 3,016 CZK |
| Border Collie | 323.19 CZK | 3,878 CZK |
| Mixed breed (dog) | 299.25 CZK | 3,591 CZK |
| Mixed breed (cat) | 339.15 CZK | 4,070 CZK |
| Maine Coon | 395.01 CZK | 4,740 CZK |
| British Shorthair | 375.06 CZK | 4,501 CZK |
| Ragdoll | 355.11 CZK | 4,261 CZK |
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 Czechia → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.