Insure your furry friend from €13/month for a cat and €15/month for a dog
Your pet's health is priceless, but when an accident or an illness strikes, veterinary costs can quickly add up.
That's why AXA Luxembourg has set up Pet Insurance health insurance to provide your dog or cat with the best care every day, without the unexpected weighing on your budget!
To ensure the best protection for your pet, certain criteria are decisive and the cover under the policy varies according to:
- The chosen package
- The age of your pet
- The breed of your pet (only for the Comfort package)
A waiting period applies. Please refer to the policy’s terms and conditions below or contact your intermediary for more information.
Veterinary fees covered
- ▪️ Vet’s fees (consultation, visit)
- ▪️ Hospitalisation, surgical intervention, prescribed medicines and treatments, radiological analyses and examinations
- ▪️ Scanner, ultrasound, thermography or fibroscopy: €100 per act
- ▪️ Radiotherapy or chemotherapy: €100 per act
- ▪️ Vaccination if the insured animal is less than 2 years old
- ▪️ Sterilisation if the insured animal is less than 2 years old
The advantages of our offer
You choose the level of deductible that suits you in order to determine your package
Up to €2,500 reimbursed per year, whatever formula you chose.
An "assistance" extension with the Comfort package:
- ▪️ Coverage of the cost of board and lodging for your pet if you have to be hospitalised (maximum: €200 per year)
- ▪️ Coverage of search expenses in the event of loss of the animal (maximum: €100 per year)
- ▪️ Coverage of animal ambulance costs (maximum: €100 per year)
Conditions for admission to the insurance
- ▪️ The owner must be resident in Luxembourg
- ▪️ The animal must be identified (microchip/tattoo) and registered with the commune of residence
- ▪️ The animal must be up to date in terms of vaccinations
- ▪️ The animal must not be intended for sale or breeding, nor must it be used for professional purposes (e.g. security, guarding)
- ▪️ The animal must be over three months old and less than 7 years old for dogs, less than 10 years for cats. Other than that, there is no contractual age limitation. The contract is valid as long as the insured animal is alive
3 Formulas - Easy, Easy Plus, Comfort packages
Pick the best package in line with your needs:
| FORMULA EASY | FORMULA EASY PLUS | FORMULA CONFORT | |
| Deductible per intervention | 150€ | 90€ | 30€ |
| Vaccination | Actual costs without deductible | ||
| Veterinary fees | Actual costs less the applicable deductible according to the package | ||
| Euthanasia | |||
| Sterilisation costs | |||
| Board and lodging expenses | Not included | 200€ / year | |
| Search expenses | 100€ / year | ||
| Animal ambulance costs | 100€ / year | ||
| Limit of cover | 2 500€ / year | ||
Costs are reimbursed up to the amount of the actual costs incurred subject to a deductible. The deductible will be applied to each consultation or each hospitalisation, except in the event of a vaccination consultation.
Vaccination fees are reimbursed if the insured animal is less than 2 years old
If the insured animal is the victim of either an accident or an illness requiring the intervention of a vet based in one of the member states of the European Union, in Switzerland, in Norway or in the United Kingdom, we cover the reimbursement of the resulting costs.
Breakdown of veterinary fees:
- Vet’s fees (consultation, visit)
- Hospitalisation
- Surgical intervention
- Prescribed medicines and treatments
- Radiological analyses and examinations
- Scanner, ultrasound, thermography or fibroscopy: €100/act
- Radiotherapy or chemotherapy: €100/act
Sterilisation costs are reimbursed if the insured animal is less than 2 years old
The costs incurred for the euthanasia of the insured animal are reimbursed in the event of an incurable disease or accident
Board and lodging expenses are reimbursed in the event that the master and/or their spouse are absent as a result of hospitalisation
Search expenses are reimbursed in case of loss of the insured animal
The costs of transport by animal ambulance are reimbursed, provided that the condition of the insured animal requires such means of transport
Costs are reimbursed up to the amount of the actual costs incurred within the specified amounts and up to EUR 2,500 per insurance year.
Example of reimbursement of veterinary fees after hospitalisation of your dog for which you have been charged €450:
- With the Easy package, €300 are reimbursed
- With the Easy Plus package, €360 are reimbursed
- With the Comfort package, €420 are reimbursed
What are the Pet health insurance tariffs ?
Below you’ll find the annual premiums (incl. tax) of our health insurance for cats and dogs according to the chosen formula and breed of the animal you wish to insure.
| FORMULA EASY | FORMULA EASY PLUS | FORMULA CONFORT | |
| Dog | 15€ | 32€ | Purebred: 55€ Crossbred: 52€ |
| Cat | 13€ | 21€ | Purebred: 37€ Crossbred: 34€ |
Don’t wait any longer to insure your four-legged friend and contact an AXA advisor, who will establish an offer for your Pet Insurance. and save you from unexpected high costs.
Other available attachments
Do you know WiziPet? Designed by committed veterinarians and animal enthusiasts, WiziPet is an all-in-one app dedicated to the well-being of your pets.
Whether you are a new or a regular pet owner, WiziPet accompanies you at every stage of your pet's life, offering you advice and services adapted to its age and health.
By combining WiziPet's services with Pet Insurance, you can offer your companion full coverage for a long, healthy and happy life.
The advantages of the WiziPet app
A digital health record, regular check-ups, and tracking tools available to monitor your pet's health.
💡 Receive alerts for vaccination reminders, medical follow-up and more.
With the help of the interactive and collaborative map discover the places where you will be welcomed with your companion, as well as suitable itineraries for great walks.
💡 Find pet sitters, vets and dog trainers near you.
What could be better than getting together with other caring and passionate pet owners who share the same values? Share your advice and experiences and get help if you need it.
If you lose your pet, WiziPet offers tools to help you find it quickly. What's more, the app has an intelligent medical assistant for health emergencies.
Why take out dog health insurance in Luxembourg?
Adopting a dog in Luxembourg comes with a number of obligations but also expenses, most of which involve your dog’s health. Fortunately, dog health insurance can help you cope when the unexpected strikes.
Why take out cat health insurance in Luxembourg?
Even if you don't fall for the charm of a pedigree cat, adopting a pet comes at a cost: vaccinations, sterilisation, flea treatment... Health insurance allows you to cope when the unexpected strikes.
Making a claim for reimbursement
Would you like to make a claim for reimbursement under your dog and cat insurance policy?
Follow the procedure on the "Make a claim for reimbursement of dog and cat health expenses" page.