InShared vs Figopet 2026
Dutch pet insurance: the digital brand vs the no-age-limit specialist
InShared or Figopet: which pet insurance is better?
Figopet wins for most expat pet owners: cheaper entry (cats €6.91, dogs €9.79 per month vs InShared's ~€10/€13), reimbursement up to 90% vs 70-80%, and crucially no upper age limit where InShared stops enrolling pets older than 6. InShared counters with its polished fully-online platform and transparent big-brand pricing.
Pet insurance is voluntary in the Netherlands, but with surgeries commonly running €1,000-3,000 (see the vet costs guide), roughly half of Dutch owners carry it. This head-to-head compares the two insurers expats shortlist most often after the full pet insurance comparison: InShared, the 2009-founded fully online insurer, and Figopet, the specialist that takes pets of any age.
Just getting a pet or bringing one to the Netherlands? Start with the getting a pet guide and the pet care costs overview. Dog owners: registration and the UBN come first (dog registration guide).
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Quick verdict
Figopet
€6.91/mo cats · €9.79 dogs
- No upper age limit for enrollment
- Reimbursement options up to 90%
- Cheapest comprehensive entry price
- Coverage in the Netherlands and EU
- Smaller brand, Dutch-only service
InShared
~€10/mo cats · ~€13 dogs
- Modern fully-online platform, transparent pricing
- Established insurer (since 2009), also home/car/liability
- Bundle discounts with other InShared policies
- Only enrolls pets up to 6 years old
- 70-80% reimbursement, ~€4,000/year maximum
Bottom line: for a kitten or puppy, both work and Figopet is €37-39 per year cheaper per pet with higher reimbursement ceilings. For any pet older than 6, the comparison ends before it starts: InShared will not enroll them, Figopet will. InShared's real pull is convenience for people who already hold its home or liability policies and want one digital dashboard.
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Side by side
| Feature | Figopet | InShared |
|---|---|---|
| Cats from | €6.91/mo | ~€10/mo |
| Dogs from | €9.79/mo | ~€13/mo |
| Enrollment age limit | None | Up to 6 years |
| Reimbursement | Up to 90% (€1,000 bill → €900) | 70-80% |
| Annual maximum | Tier-dependent | ~€4,000/year |
| Coverage area | Netherlands + EU | Netherlands |
| Language | Dutch | Dutch (fully online) |
Also in the market: Petsecur from €10.88/month (promo code AFF235 gives €5 off), compared in depth in the Figopet vs Petsecur head-to-head. Cat-specific and dog-specific breakdowns live in the cat insurance guide and dog insurance guide.
The older-pet reality (where this choice actually gets made)
Most Dutch insurers, InShared included, only enroll young pets: the 6-year cap exists because claims risk climbs steeply from middle age. That leaves expats who arrive with a 7-year-old dog, or who postponed insurance until the first health scare, with very few options. Figopet's no-age-limit policy is the standout exception in our comparison, which is why it anchors this site's pet insurance recommendations for arriving pet owners.
Two honest caveats. First, premiums at any insurer rise with the pet's age: a 9-year-old dog at Figopet will not pay the €9.79 headline rate. Second, pre-existing conditions are excluded everywhere, so insuring an older pet protects against NEW conditions only. The earlier you insure, the more of your pet's medical future is actually covered, which is the single best argument for deciding in the pet's first year.
The self-insurance alternative deserves its honest mention: €50-100 per month into a dedicated savings account builds a €600-2,400 emergency fund within two years, and you keep whatever goes unused. It beats insurance for owners with discipline and buffer; it fails catastrophically when the €3,000 surgery arrives in month four. The full comparison weighs both strategies.
Frequently asked questions
What is the price difference between InShared and Figopet pet insurance?
Figopet starts at €6.91 per month for cats and €9.79 for dogs; InShared starts around €10 for cats and €13 for dogs. Over a year that is roughly €37-39 less at Figopet per pet at entry level. Prices rise with your pet's age, breed and the coverage tier you pick at both insurers.
Which pet insurer accepts older pets: InShared or Figopet?
Figopet, decisively. Figopet has no upper age limit for enrollment, while InShared only accepts pets up to 6 years old at signup. For a 7-year-old dog or cat, Figopet is one of the few remaining insurable options in the Dutch market. Once enrolled, both insurers continue coverage as the pet ages.
How do the reimbursement rates compare?
InShared reimburses 70-80% of covered vet costs depending on tier, with an annual maximum around €4,000. Figopet offers reimbursement options up to 90%: on a €1,000 vet bill that is €900 back at Figopet's top tier versus €700-800 at InShared. Check the tier you actually select, as both insurers price higher reimbursement into the premium.
Is pet insurance even worth it in the Netherlands?
It depends on your buffer. Surgeries commonly cost €1,000-3,000 and roughly half of Dutch pet owners carry insurance. The alternative strategy is a dedicated savings account of €50-100 per month, where you keep unused money. Insurance wins for young pets with long risk horizons and for owners who could not absorb a €2,500 surprise bill.
Does either insurer work in English?
Both are Dutch-language insurers: websites, policies and claims run in Dutch. InShared's fully online platform is straightforward to navigate with translation tools, and Figopet's signup is similarly manageable. Neither offers English phone support, which is typical for the Dutch pet insurance market.
What does neither insurer cover?
Standard exclusions at both: pre-existing conditions, preventive care on basic tiers (vaccinations, flea treatment), breeding costs, and behavioral therapy in most tiers. Waiting periods apply after signup at both, typically around 30 days for illness. Insure BEFORE the first symptoms appear: conditions noted in the vet file beforehand are excluded permanently.
How does Petsecur compare to these two?
Petsecur starts at €10.88 per month (with promo code AFF235 giving €5 off) and sits between the two on price. It is compared in detail against Figopet in our Figopet vs Petsecur guide. Broadly: Figopet wins on entry price and age policy, Petsecur competes on coverage structure, and InShared competes on brand and digital experience.
Can I switch pet insurers later?
Yes, pet insurance contracts typically run yearly and can be cancelled at renewal (often monthly after the first year). The catch: anything diagnosed while insured at insurer A becomes a pre-existing condition at insurer B. Switching makes sense for healthy pets chasing lower premiums, and rarely makes sense once a chronic condition exists.