Pet insurance in France: what it costs
What a typical dog and cat policy costs in France, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€28 a month, about €336 a year
Real quotes via reassurez-moi.fr comparator (Sept 2026): Labrador-type crossbreed, 5 yrs: economy 14, comfort 28, full 50 EUR/month. LeComparateurAssurance barometer Aug 2026 (dogs under 2): 11.83 / 26.47 / 45.69. source
Cat
€21 a month, about €252 a year
Real quotes via reassurez-moi.fr (Sept 2026): neutered indoor cat, 3 yrs: economy 10, comfort 21, full 36 EUR/month. Barometer Aug 2026 (cats under 2): 9.88 / 21.38 / 36. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €18.48 | €221.76 |
| Small | €21.84 | €262.08 |
| Medium | €24.36 | €292.32 |
| Large | €31.08 | €372.96 |
| Giant | €42 | €504 |
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 | €27.72 | €333 |
| French Bulldog | €40.04 | €480 |
| German Shepherd Dog | €30.24 | €363 |
| Golden Retriever | €26.32 | €316 |
| Dachshund (Standard) | €22.68 | €272 |
| English Cocker Spaniel | €23.24 | €279 |
| Chihuahua | €17.64 | €212 |
| Border Collie | €22.68 | €272 |
| Mixed breed (dog) | €21 | €252 |
| Mixed breed (cat) | €17.85 | €214 |
| Maine Coon | €20.79 | €249 |
| British Shorthair | €19.74 | €237 |
| Ragdoll | €18.69 | €224 |
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 France → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.