Pet insurance in the Netherlands: what it costs
What a typical dog and cat policy costs in the Netherlands, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€21.38 a month, about €256.56 a year
Keuze.nl (updated 2 Nov 2026, prices May 2026): Labrador insured at age 1, 50% own contribution, 100 EUR deductible = 256.56 EUR/yr (21.38/month); healthy 1-yr Labrador basic ~20/month; general range 15-70. overstappen.nl: typically 20-50/month; cheapest PetSecur 21.38 (50%), OHRA 33.76 (Labrador puppy, Amsterdam). No mixed-breed quote found. source
Cat
€13.60 a month, about €163.20 a year
Keuze.nl (prices May 2026): cheapest for a 3-year-old crossbreed tomcat, 50% co-pay, 50 EUR deductible, 4,000 cap = 13.60 EUR/month; typical range 9-40. overstappen.nl: 10-25/month. source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €14.11 | €169.33 |
| Small | €16.68 | €200.12 |
| Medium | €18.60 | €223.21 |
| Large | €23.73 | €284.78 |
| Giant | €32.07 | €384.84 |
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 | €21.17 | €254 |
| French Bulldog | €30.57 | €367 |
| German Shepherd Dog | €23.09 | €277 |
| Golden Retriever | €20.10 | €241 |
| Dachshund (Standard) | €17.32 | €208 |
| English Cocker Spaniel | €17.75 | €213 |
| Chihuahua | €13.47 | €162 |
| Border Collie | €17.32 | €208 |
| Mixed breed (dog) | €16.04 | €192 |
| Mixed breed (cat) | €11.56 | €139 |
| Maine Coon | €13.46 | €162 |
| British Shorthair | €12.78 | €153 |
| Ragdoll | €12.10 | €145 |
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 the Netherlands → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.