Getting your dog insurance easily and quickly

The cost of dog insurance depends on a number of factors. Based on these factors, the amount of the premium is calculated.

• Your dog's weight
• Your dog's age
• Your dog's breed or crossbreed
• Any additional coverages

Age is an important factor in determining the premium. Insurers also have a maximum age to which you can insure your dog. With most insurers this is up to 7 years, but with some it is up to 5 years. Always check the policy conditions. In addition, most insurers raise the premium slightly each year. This is due to the aging surcharge. The older an animal gets, the higher the risk of disease. This is why insurers recalculate the premium every year.

Are you looking for the best pet insurance for your four-legged friend? You choose which dog insurance policy best suits your needs. What is the best pet insurance for your neighbor's dog may not necessarily be the same for you and your dog. To determine what is the best dog insurance for you, you can compare insurance policies. In doing so, look not only at the premium, but also at the insurance coverage. Is the basic coverage enough for you, or do you need additional insurance? Is your dog a real troublemaker? Then the additional coverage physical therapy can be a useful addition. By looking this way, you will automatically find the best insurance for your dog.

With most insurers, dog insurance consists of the basic package, and you can decide whether you want to purchase additional insurances. With some insurers, you can also co-insure your dog's spaying or neutering and sometimes even the necessary vaccinations. Travel coverage or cremation coverage is also an option. So you can compose your dog insurance completely the way you want.

Want to know which providers you can get dog insurance from? Calculate the premium directly and see which providers match your needs.

Food, a basket, a leash, toys... Having a dog involves a lot of costs. No wonder you like to save on insurance. However, it is wise not to go for the cheapest dog insurance, but also to look carefully at the coverage. This does not mean that you have to buy very expensive insurance right away! Perhaps the cheapest dog insurance policy still has the best coverage for you. On Alpina.nl you can compare different providers. Your financial situation also plays an important role. Do you have a good buffer for unexpected expenses? Then the basic coverage may be sufficient for you. This will also save you money.

Comparing dog insurance is an important part of the insurance process. Fortunately, you don't have to start looking up premiums and policy terms yourself. At Alpina.nl , we have created an easy online tool for this. All you have to do is fill in some information about yourself and your dog, and then the comparison can begin. After this, you will get a clear overview of all insurance policies that meet your needs, including corresponding premiums and policy conditions. Once you have found the best dog insurance at the lowest premium, you can purchase it directly online.

In their enthusiasm, dogs can easily run into something and injure themselves. They are also quite territorial and some dogs want to fight with other dogs quite often. In the most serious case, the dog needs immediate surgery, which unfortunately is not cheap. This is why dog insurance can help.

If you still have questions about (dog) insurance, you can of course always ask us. You can reach our insurance specialists Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 6883700. Of course, you may also send us a message via chat, WhatsApp or Messenger at any time.

Some insurers use an age limit of 7 years when insuring a dog. Figo does not use an age limit. With them, you can also insure older dogs.

You take out insurance for one year. After that, it can be cancelled monthly.

As with humans, health costs are lower for pets in their younger years than as the animal ages a day. Therefore, the premium of a puppy is lower than the premium of a dog that is, say, 7 years old. The exact increase per year depends on (the crossbreed with) the breed and the current age of the animal.

Yes, you can switch to a more comprehensive package. You can do this on the annual premium due date (the policy anniversary).

Dog insurance is subject to a waiting period. Complaints arising before or during this waiting period will not be reimbursed. Any follow-up costs of an illness, condition or accident arising before or during the waiting period are also not eligible for reimbursement.

How long is the waiting period?

• Care needed after an accident is subject to a 48-hour waiting period.
• There is a 30-day waiting period for diseases and conditions.

All packages do reimburse the placement of the chip in the waiting period.

Dog insurance starts - after acceptance - on the day the application is received by the insurer.

After the effective date, there is a 14-day trial period. Within these 14 days, the pet insurance can be cancelled in writing without giving a reason. This does not apply if a claim has already been submitted.

A 30-day waiting period applies from the effective date for illness.

You can terminate your insurance with one month's notice. This is possible on a monthly basis once your policy has reached the one-year term or in special cases, such as if your pet has died.

The choice is yours, of course, but pet insurance offers you financial security in the event of unexpected medical expenses for your pet. Surgery or long-term treatment can quickly cost around €1,000. If you don't have this money behind you, pet insurance can help.

All breeds of animals are welcome. However, some dog breeds are subject to restrictions. In these breeds (hereditary) breed characteristics are included in the breed standard that give rise to (many) additional health costs. Medical expenses related to these abnormalities are excluded through a breed clause and can therefore not be reimbursed.

• (Old) English Bulldog: Standard exclusion of all respiratory diseases (including throat and nose).
• French Bulldog: Standard exclusion of all respiratory diseases (including throat and nose).
• Cavalier King Charles: Standard exclusion of all neurological disorders including brain and spinal cord.

Yes, identification and registration of insured pets is mandatory. Therefore, most insurers only accept claims provided with a chip number. The cost of placing the chip is reimbursed by the insurer.

No, the insurer will not reimburse you if your dog is not microchipped. Claims are only accepted that have a chip number. Therefore, make sure your dog is microchipped before you submit your first claims and that the chip number is known to the insurer.

Yes, even if your pet does not yet have a chip, you can already insure it. However, you must make sure the animal is microchipped before submitting a claim.

We can imagine that during the emotional time surrounding the death of your cat, you may not immediately think about insurance. Halt the insurance can fortunately be made retroactive. What is the procedure for this?

• Not later than 30 days after the death of your animal, provide the insurer with the request for termination.
• Supply a death certificate from the veterinarian with this.
• After this notification and receipt of death certificate, the insurer terminates the insurance one day after the pet dies.
• Any excess premium paid will of course be refunded.