Pet insurance in Luxembourg: what it costs
What a typical dog and cat policy costs in Luxembourg, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€32 a month, about €384 a year
AXA Luxembourg dog health (VAT incl.): Easy 15, Easy-Plus 32, Comfort 52 EUR/month for a mixed breed (55 purebred); annual cap 2,500 EUR; deductible 150/90/30 per claim; entry age 3 months-7 years. Foyer also sells Happy Pet (price not fetched). source
Cat
€21 a month, about €252 a year
AXA Luxembourg cat health (VAT incl.): Easy 13, Easy-Plus 21, Comfort 34 EUR/month mixed breed (37 purebred); annual cap 2,500 EUR; entry age 3 months-10 years. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €21.12 | €253.44 |
| Small | €24.96 | €299.52 |
| Medium | €27.84 | €334.08 |
| Large | €35.52 | €426.24 |
| Giant | €48 | €576 |
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 | €31.68 | €380 |
| French Bulldog | €45.76 | €549 |
| German Shepherd Dog | €34.56 | €415 |
| Golden Retriever | €30.08 | €361 |
| Dachshund (Standard) | €25.92 | €311 |
| English Cocker Spaniel | €26.56 | €319 |
| Chihuahua | €20.16 | €242 |
| Border Collie | €25.92 | €311 |
| Mixed breed (dog) | €24 | €288 |
| 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 Luxembourg → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.