Figopet vs PetSecur 2026
Pet insurance in the Netherlands: cheapest price vs most comprehensive coverage
Figopet and PetSecur are the two most commonly compared pet insurers for expats in the Netherlands. Figopet is the cheapest option on the market, starting at €6.91/month for cats and €9.79/month for dogs, with no age limit at signup. PetSecur is the most comprehensive, with worldwide coverage, flexible deductibles from €0, and a shorter 14-day waiting period, starting at approximately €10.91/month for cats. This page gives you a direct, honest comparison so you can decide which fits your situation without needing to read both providers' full policy documents.
For a full market overview across all seven major providers, see the complete pet insurance comparison. If you are still setting up after arriving, the moving to the Netherlands guide covers all the admin steps including BSN registration, which you will need before signing up for most Dutch services.
If you imported your pet from outside the EU or just adopted a pet locally, the getting a pet in the Netherlands guide and the pet-friendly housing guide are worth reading before committing to insurance. Your landlord's restrictions and pet registration requirements affect which setup makes sense.
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Table of contents
Quick verdict
Figopet
from €6.91/mo
- Lowest price in the market (cats €6.91, dogs €9.79)
- No age limit at signup (unique in the Netherlands)
- 90% reimbursement available (Comfort tier)
- €12,500/year maximum payout
- 30-day waiting period (longer than PetSecur)
- Netherlands and EU travel only (no worldwide)
- Fixed deductibles (not flexible)
PetSecur
from €10.91/mo
- Worldwide coverage included as standard
- Flexible deductibles: €0, €100, €200, €500
- Shorter 14-day waiting period
- Castration covered (5-year contract)
- Dental as optional add-on
- Promo code AFF235 = €5 off first premium
- Age limit: max 7 years old at signup
- Higher monthly price than Figopet
Honest verdict: Figopet wins on price and age flexibility. PetSecur wins on coverage breadth and waiting period. For expats with pets under 7 who travel outside the EU, PetSecur is worth the extra €4-€8/month. For older pets, budget-conscious households, or expats who stay within the Netherlands and EU, Figopet is the stronger choice.
Price comparison
Figopet's pricing is among the lowest available for genuine, comprehensive pet insurance in the Netherlands. PetSecur sits in the mid-range, but includes broader coverage features in the base price. The table below shows entry-level prices. Actual premiums vary based on your pet's breed, age, and the tier you choose.
| Feature | Figopet | PetSecur |
|---|---|---|
| Cat (monthly, entry tier) | €6.91/mo | €10.91/mo |
| Dog (monthly, entry tier) | €9.79/mo | approx. €14.50/mo |
| Annual max payout | €12,500 | €12,500 |
| Reimbursement | 50% (Basic) or 90% (Comfort) | 80-90% |
| Contract length | 1 year | 1 year or 5 year |
| Promo code | None | AFF235 = €5 off first premium |
| App available | Yes | Yes |
Price note: Both providers' premiums increase with the age and breed of your pet. Large dog breeds and older animals cost more to insure at both Figopet and PetSecur. The prices above are indicative entry-level figures. Use each provider's online quote tool for your specific pet's profile to get an accurate monthly figure before committing.
Coverage comparison: what's included
Both providers cover the core vet costs that matter most: illness, injury, surgery, hospitalisation, and diagnostic tests. The differences are in the extras and geographic scope. Neither covers pre-existing conditions.
| Coverage item | Figopet | PetSecur |
|---|---|---|
| Illness and surgery | Covered | Covered |
| Accidents and injury | Covered | Covered |
| Diagnostic tests (X-ray, blood) | Covered | Covered |
| Hospitalisation | Covered | Covered |
| Geographic coverage | Netherlands + EU travel | Worldwide |
| Castration / neutering | Not covered | Covered with 5-year contract |
| Dental coverage | Not covered | Optional add-on |
| Pre-existing conditions | Excluded | Excluded |
| English website | Yes | Partial (mostly Dutch) |
For expats travelling with pets: If your work or family travel takes you outside the EU regularly and you bring your pet, PetSecur's worldwide coverage is a significant practical advantage over Figopet. Within the Netherlands for routine vet visits, both providers give you access to the same Dutch vet network with no restrictions.
Deductibles and reimbursement rates
These two features determine how much money you actually get back after a vet bill. The deductible is the amount you pay first before the insurer pays anything. The reimbursement rate is the percentage of the remaining approved bill that the insurer covers.
Figopet: fixed deductibles per tier
Figopet offers two tiers. Basic gives 50% reimbursement and Comfort gives 90% reimbursement. The deductible amount is fixed per plan rather than freely selectable. This makes Figopet simpler to understand but less flexible if you want to fine-tune your monthly premium by adjusting the deductible.
PetSecur: fully flexible deductibles
PetSecur lets you choose from four deductible levels: €0, €100, €200, or €500. Choosing a higher deductible reduces your monthly premium. This flexibility is useful for expats who want predictable small-claim costs controlled while still being insured against catastrophic bills. Choosing €0 deductible means no out-of-pocket cost on any approved claim above the policy threshold.
| Example claim | Figopet Basic (50%) | Figopet Comfort (90%) | PetSecur 90%, €0 excess |
|---|---|---|---|
| €500 vet bill | You get back: ~€250 | You get back: ~€450 | You get back: ~€450 |
| €2,000 surgery | You get back: ~€1,000 | You get back: ~€1,800 | You get back: ~€1,800 |
| €5,000 emergency | You get back: ~€2,500 | You get back: ~€4,500 | You get back: ~€4,500 |
Figopet Basic (50% reimbursement) is better than nothing, but leaves significant exposure on large bills. A €4,000 orthopaedic surgery leaves you paying €2,000 out of pocket on the Basic tier. If your financial situation means a €2,000 surprise bill would be genuinely difficult to absorb, consider Figopet Comfort (90%) or PetSecur instead of the cheapest Basic tier.
Who should choose Figopet
Figopet is the right choice in these specific situations:
- Your pet is over 7 years old. PetSecur will not insure pets older than 7 at signup. Figopet has no age limit, making it the only realistic option among premium providers for senior pets.
- You want the lowest possible monthly outlay. At €6.91/month for cats, Figopet Basic is unmatched on price for legitimate comprehensive pet insurance in the Netherlands.
- You and your pet stay within the Netherlands and EU. If you do not travel outside the EU with your pet, Figopet's geographic limitation is irrelevant.
- You want a simple two-tier choice. Figopet's Basic and Comfort tiers are easy to understand. There are no complex deductible calculations.
- You want a fully English website during signup. Figopet's site is available in English, which helps during the initial application. PetSecur is mostly Dutch.
- You are cost-conscious and comfortable with a longer 30-day wait. If you are signing up proactively rather than in response to an imminent health concern, the 30-day waiting period is not a practical obstacle.
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Who should choose PetSecur
PetSecur is the stronger choice in these circumstances:
- You travel outside the EU with your pet. PetSecur covers vet treatment worldwide. Figopet does not. This is the single most decisive factor for internationally mobile expats.
- You want zero deductible. PetSecur's €0 deductible option means any approved claim is reimbursed at 80-90% from the first euro. No upfront cost absorbed on every claim.
- You have a young pet and plan a 5-year contract. The 5-year PetSecur contract unlocks castration and neutering coverage, which Figopet does not offer at all.
- You want a shorter waiting period. PetSecur activates after 14 days vs Figopet's 30 days. If you are signing up because your pet has recently shown unusual behaviour or you want faster peace of mind, 14 days is meaningfully better.
- Your pet is under 7 and you want dental coverage. PetSecur offers dental as an optional add-on. Figopet does not cover dental at all.
- You want to use promo code AFF235 for €5 off your first premium. Even a small saving makes PetSecur comparatively more attractive for the first month.
Affiliate link. Code AFF235 gives €5 off first premium.
Waiting periods and age limits
These two factors are often overlooked during the comparison but can significantly affect whether a policy is useful in your specific situation.
Figopet
- Waiting period: 30 days. No claims accepted in the first 30 days after policy start.
- No age limit at signup. You can insure a pet of any age, including senior animals.
- Annual renewal with no forced exit age once enrolled.
PetSecur
- Waiting period: 14 days. Shorter than most Dutch pet insurers.
- Age limit: maximum 7 years old at signup. You cannot start a new PetSecur policy for a pet aged 8 or older.
- Once enrolled, you can renew at any age past 7.
What the waiting period means in practice
No Dutch pet insurer allows immediate claims from day one. The waiting period exists to prevent people from signing up the day their pet needs surgery. If your pet has a scheduled procedure coming up, signing up with PetSecur means you need to wait at least 14 days before the policy covers any treatment. With Figopet, you need to wait 30 days.
If you are buying pet insurance proactively, before any health concern exists, the 30-day wait at Figopet is not a practical problem. Sign up today, the policy is fully active in a month, and you are protected from that point forward. The 14-day vs 30-day difference only becomes meaningful if urgency is a factor.
Practical note on age limits: If your dog or cat is approaching 7, sign up with PetSecur before their 7th birthday to lock in coverage. Once enrolled, PetSecur cannot cancel your policy solely because your pet turns 8 or older. The 7-year limit applies only at the point of new application, not at renewal.
How to apply for each
Both applications are online-only and take approximately 10-15 minutes. You will need your pet's basic information (breed, date of birth, microchip number if applicable) and your Dutch bank account details for direct debit.
Applying for Figopet
- 1Go to Figopet via the link below. The site is available in English.
- 2Enter your pet's species, breed, age, and postcode to get an instant quote.
- 3Choose Basic (50% reimbursement) or Comfort (90% reimbursement).
- 4Complete your personal details, Dutch bank account (IBAN), and sign the direct debit mandate.
- 5Receive confirmation by email. Coverage begins after the 30-day waiting period.
Applying for PetSecur
- 1Go to PetSecur via the link below. The site is primarily in Dutch.
- 2Enter your pet's details (species, breed, date of birth, microchip number).
- 3Select your deductible level (€0, €100, €200, or €500) and review the premium.
- 4Enter promo code AFF235 at checkout for €5 off your first premium.
- 5Receive confirmation by email. Coverage begins after the 14-day waiting period.
What you need for both applications: Your pet's microchip number if the pet is already chipped, date of birth, breed, and a Dutch IBAN for direct debit. If your pet is not yet microchipped, the insurer will not require this at application but your vet may ask for it as part of your pet's health record.
Neither insurer requires you to have a BSN to take out pet insurance, but you will need a Dutch address and bank account. For the full registration process, see our BSN registration guide and our expat FAQ.
Frequently asked questions
Is Figopet or PetSecur cheaper?
Figopet is cheaper. Cats start at €6.91/month and dogs from €9.79/month. PetSecur starts at approximately €10.91/month for cats and €14.50/month for dogs. The price gap is around €4-€8/month depending on your pet's profile, which adds up to €48-€96/year. Figopet's entry-level Basic tier at 50% reimbursement is the lowest-priced serious pet insurance available in the Netherlands.
Does Figopet have a maximum age limit?
No. Figopet has no age limit at signup, which is unique in the Dutch pet insurance market. You can insure a 10-year-old dog or an 11-year-old cat with Figopet. PetSecur only accepts pets up to 7 years old at the time of signup. Once insured with PetSecur you can renew indefinitely, but you cannot start a new policy if your pet is older than 7. For owners of older pets, Figopet is the only realistic option among the premium providers.
Does PetSecur cover pets worldwide?
Yes. PetSecur includes worldwide coverage as standard, meaning vet costs are covered if your pet needs treatment during international travel including outside the EU. Figopet covers the Netherlands and EU travel only. If you travel frequently outside the EU with your pet, PetSecur's worldwide coverage is a meaningful advantage. Within the Netherlands for day-to-day vet visits, both providers offer equivalent access to Dutch vets.
What is the PetSecur promo code?
The PetSecur promo code is AFF235, which gives €5 off your first premium. Enter it during checkout on the PetSecur website. The discount applies to your first month's payment. This brings PetSecur's cat entry price effectively down to €5.91 for the first month. Figopet does not offer a comparable promo code at the time of writing.
What is the waiting period for Figopet vs PetSecur?
Figopet has a 30-day waiting period before claims can be made. PetSecur has a shorter 14-day waiting period. This means if your pet has an accident or falls ill in the first two weeks, neither insurer will cover it. After 14 days PetSecur policies become active, while Figopet policyholders must wait until day 31. The 14-day difference matters most if you sign up shortly before an anticipated vet visit or seasonal health risk.
Does pet insurance in the Netherlands cover pre-existing conditions?
No Dutch pet insurer covers pre-existing conditions, including both Figopet and PetSecur. Conditions that existed before the policy start date, or that manifested during the waiting period, are excluded from coverage. When you apply, you declare your pet's health history and known conditions. Vets may be asked to confirm health status. If your pet has a known chronic condition, you should check the specific exclusions in the policy wording before signing up.
Can I insure a pet I just imported from abroad?
Yes, both Figopet and PetSecur will insure pets that have been imported to the Netherlands. The pet must meet Dutch registration requirements (microchip, EU pet passport or import documentation). Pre-existing conditions from before the policy start date remain excluded regardless of where the pet was living previously. For the full import process including NVWA requirements, microchip rules, and Echinococcus treatment, see our pet relocation guide.
Is €12,500/year enough for vet costs in the Netherlands?
Yes, for the vast majority of cases. Emergency surgery in Dutch veterinary clinics typically costs €2,000-€6,000 for complex procedures such as orthopaedic surgery or gastrointestinal obstruction removal. Cancer treatment courses can reach €4,000-€8,000 for an extended treatment plan. The €12,500 annual maximum offered by both Figopet and PetSecur is sufficient for almost all realistic single-year scenarios. Only extremely unusual multi-incident years with multiple expensive treatments would approach the cap.
What is the difference between 50% and 90% reimbursement?
The reimbursement percentage is how much of an approved vet bill the insurer pays back after any deductible. With 50% reimbursement (Figopet Basic): a €1,000 vet bill returns €500. With 90% reimbursement (Figopet Comfort or PetSecur): a €1,000 vet bill returns €900. The out-of-pocket difference on a large claim is substantial. A €4,000 surgery leaves you paying €2,000 at 50% reimbursement but only €400 at 90%. Figopet's Comfort tier at 90% costs more per month but significantly reduces financial exposure on serious claims.
Can I switch from Figopet to PetSecur mid-year?
No. Pet insurance policies in the Netherlands run for a minimum of one year and can only be cancelled at the end of the annual contract term with the required notice period (typically one month before renewal). You cannot switch providers mid-policy. If you want to move from Figopet to PetSecur, or vice versa, you must wait until your current policy is due for renewal, give notice within the cancellation window, and then apply to the new insurer. The new provider will apply a fresh waiting period from your new policy start date.
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