How Pet Insurance Works in Belgium and Germany
Pet owners are increasingly thinking not only about proper nutrition and comfort for their furry companions but also about long-term protection — medical insurance. In Europe, this niche is confidently filled by Figo, a company that provides pet insurance in several countries, including Belgium and Germany. Below, we break down the offerings of both countries in detail: their features, benefits, and who they are best suited for.
Figo Belgium — Insurance Focused on Simplicity and Trust
Figo Belgium presents itself as an affordable and customer-friendly program focused on transparency and speed. Here's what makes it stand out:
Key Features:
- Open to all: even rabbits and parrots (including budgies) can be insured
- Up to 90% reimbursement for consultations, diagnostics, medications, and surgeries
- Clients choose any veterinarian — no restrictions on clinics
- Claim payments are processed within 5 business days, making it one of the fastest programs
- Insurance can be arranged entirely online, without visiting an office
- Suitable for both young and elderly pets — age is not a barrier
Estimated Starting Prices:
- Dogs — from €11.62/month
- Cats — from €9.55/month
- Rabbits — from €8.00/month
- Birds — from €8.69/month
Best for:
- Pet owners living in Belgium who want flexible, fast, and simple insurance
- Those who prefer straightforward online registration with no complex limits
- Pet parents looking for an affordable way to protect their pets from unexpected costs without compromising on care quality
Figo Germany — Premium-Level Veterinary Support
Figo Germany is designed for those seeking extended medical protection and flexible insurance options.
What the Insurance Covers:
- Unlimited coverage — no annual cap on claims
- Up to 90% reimbursement for all veterinary services
- Coverage applies even while traveling within the EU (surgeries, treatments)
- Supports alternative treatments, telemedicine, and even home visits
- All costs reimbursed according to the maximum GOT rate (Germany’s official veterinary fee scale)
- Compensation available for serious chronic and age-related illnesses
- Includes options for dental procedures and vaccinations in certain packages
Eligible Pets:
- Dogs, cats, rabbits, parrots (including budgies, African greys, and others)
- No restrictions by age or breed
Additional Highlights:
- Unlimited video consultations with veterinarians — 24/7
- Preventive care and SOS packages included
- Freedom to choose any clinic, including private veterinary centers
- Insurance remains valid even after the first claim — no automatic termination
Travel and Protection Abroad
If you’re used to traveling with your pet — whether for vacation, visits, exhibitions, or even relocation — Figo insurance can be a true lifesaver. It continues to protect your pet even across borders!
Depending on your country and plan:
- Up to €1,000 (or more) of emergency treatment abroad is covered
- You can visit any clinic in the EU, without limitations
- Often — no hidden fees or prior approvals needed
This kind of protection is especially valuable when traveling, where everything is unpredictable: stress, new climates, unfamiliar food. If your pet gets sick, you’re not panicking — you know help is available and that Figo will reimburse the expenses.
It simplifies your trip: less stress, more confidence. You know you can get support anytime, anywhere.
Anilogistic recommends Figo as one of the most professional partners on the market.
Insurance is not a luxury. It’s a decision that brings peace of mind today — and care when it matters most.