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We love our cats. They are part of the family, providing us with companionship, joy and unconditional love. But what happens if something happens to your cat? Such as an accident or a sudden illness? By insuring your cat, you can avoid unexpected costs and ensure your four-legged friend receives the best possible care. Your cat deserves top-quality medical attention without the financial worry.
What is cat insurance?
Whether you have a kitten, an adult cat or a senior cat, you want to provide all the care they need. Every cat owner’s worst fear is that their cat becomes ill. Not only does this cause worry for your furry friend, but it can also mean costly vet costs and veterinary treatments. Financial stress over these bills is the last thing you want in those situations.
To prevent these scenarios, it makes sense to get cat insurance in the Netherlands. A cat insurance is a type of pet health insurance that covers medical costs, including accident and illness coverage, surgery, medications, dental care and preventive care. By paying a relatively small monthly premium, you are protected against unexpected veterinary expenses, such as high bills if your cat becomes sick or has an accident, as well as other medical costs. The cat insurance costs depend on your cat’s age, breed and the coverage you choose.
Our top 3 cat insurance plans
Find the best insurance to suit your pet. Discover the best coverage, the most affordable rates and our most popular choices!
Best coverage
PetSecur Basis
Eigen bijdrage:
50%
Maximale vergoeding per jaar:
€ 3.250,-
Prijs p/m:
€ 12,47
1 maand gratis met kortingscode EMGVJH25 **
Most affordable
Figo 50%
Eigen bijdrage:
50%
Maximale vergoeding per jaar:
€ 3.000,-
Prijs p/m:
€ 11,40
1 maand gratis met kortingscode EMG-VZK8
Most popular
OHRA Basis
Eigen bijdrage:
20%
Maximale vergoeding per jaar:
€ 2.000,-
Prijs p/m:
€ 13,69
Nu tijdelijk 10% korting
* Displayed premiums include insurance premium tax (21%) and exclude a one-time policy fee. The reference date for the premium calculation is January 1, 2026, based on a 5-month-old European Shorthair. The starting point is the basic coverage per insurer with a deductible of €100. The comparison was established based on the policy terms and conditions. ** The PetSecur discount is spread over one year (8% per month) and applies to the Basic, Standard, or Extra package. The discount does not apply to add-on insurances.
Compare all Dutch cat insurance providers now
Why is cat insurance a smart choice?
Taking care of your cat is essential, and medical care is naturally a big part of that. While a vaccination or a course of antibiotics might be manageable, costs can escalate quickly if your cat requires surgery, such as neutering or spaying, or treatment for a chronic illness. Medical expenses can rise rapidly, especially if your cat needs long-term care.
Furthermore, veterinary costs are increasing. Veterinary medicine continues to advance, and nowadays, almost all treatments available to humans are also possible for cats: CT scans, MRIs, radiation therapy, you name it. But these advancements come with a price tag. Even a surgery with modern anesthesia and follow-up care often involves significant amounts of money. Bills of €1,000 or more are no exception. That is why many cat owners opt for supplemental coverage, ensuring that both preventive care and medically necessary expenses are covered.
How much does cat insurance cost in the Netherlands?
The cost of cat insurance in the Netherlands typically ranges between € 10 and € 30 per month. This depends on the breed, age and coverage you choose. Cat breeds such as Maine Coons or Persian Longhairs, which are prone to certain hereditary conditions, may have higher premiums.
In addition to a basic pet insurance policy, you can insure dental treatments, neutering or spaying, travel insurance and vaccinations. Some insurance providers also offer lower premiums when insuring multiple cats. Selecting a voluntary deductible can help you find more affordable pet insurance or cheap cat insurance.
Indicative veterinary costs
Consultation
€ 40,- - € 60,-
Microchipping
€ 40,- - € 60,-
Vaccination
€ 60,-
Urine test
€ 30,-
Blood work
€ 150,-
X-rays
€ 150,-
CT scan
€ 750,-
MRI scan
€ 1.000,-
Bone fracture treatment
€ 1.500,-
Hip surgery
€ 1.500,-
Cat neutering
€ 75,-
Cat spaying
€ 125,-
Tooth extractions
€ 400,- - € 600,-
Dental cleaning
€ 250,- - € 350,-
What is the best cat insurance in the Netherlands?
The best cat insurance depends on your needs. In our pet health insurance comparison tool, you can compare cat insurance policies based on coverage, maximum reimbursement, monthly premium, medical treatments and deductibles. This helps you find the best cat insurance.
Consider coverage for medically necessary care, congenital conditions, pre-existing issues, preventive care and optional add-ons such as physiotherapy or coverage abroad. For breeds prone to hereditary conditions, such as Ragdolls or British Shorthairs, it is essential to choose cat insurance that covers these conditions.
How to choose the best Dutch cat insurance?
Choosing the best cat insurance in the Netherlands starts with understanding your cat’s needs. Compare policies carefully, looking at coverage, premiums, deductibles and optional extras. Using a pet insurance comparison tool can simplify the process and ensure you select the right pet insurance for cats.
Can I get an insurance for my senior cat in the Netherlands?
The allowed age to take out cat insurance varies by provider. Each insurance company, except Figo, sets its own age limit, making it more challenging to find the right pet insurance for senior cats. If you take out the policy before your cat reaches the age limit, coverage continues until your feline friend passes away.
Can I bring my cat abroad?
If you’re planning to travel with your cat, you might wonder whether your cat insurance covers medical care abroad. Some pet insurance providers offer accident and illness coverage internationally, giving you peace of mind while on vacation or traveling internationally. Make sure to review your pet insurance policy terms, as not all insurance for animals covers pets outside the Netherlands.
How much does a cat cost?
Veterinarian Sandra Rossen from Dierenkliniek Almere-Stad explains everything involved when you purchase a cat.
Best cat insurance in the Netherlands
Sommige kattenrassen worden vaker verzekerd vanwege specifieke gezondheidsrisico’s. Dit zijn de 10 rassen die het vaakst verzekerd worden:
- PetSecur: PetSecur is widely regarded as one of the top cat insurance providers in the Netherlands. Their policies allow partial coverage for neutering or spaying (with a minimum term of 60 months). Known for reliable service, broad coverage, and competitive premiums, PetSecur also ensures that your cat is covered while traveling abroad.
- Figo: Figo offers comprehensive pet health insurance for cats, backed by excellent customer reviews. Their flexible plans make it simple to choose a cat insurance policy tailored to your cat’s individual needs.
- InShared: This insurance company offers extensive coverage and competitive premiums, making it attractive for owners seeking cheap cat insurance.
- OHRA: OHRA is often praised for having one of the broadest insurances for pets offerings. Their policies cover a wide array of options at reasonable prices.
- Dierenverzekering.nl: Offers high-quality cat health insurance, including surgery, preventive care, and veterinary treatments. Complete basic policies are available at competitive rates.
- Univé: Univé delivers flexible pet insurance for cats, allowing you to choose different coverage levels and additional options. Policyholders can select a maximum insured amount of €2,500 or €5,000 per year, with 80% of covered costs reimbursed.
- a.s.r.: a.s.r. offers a solid basic cat insurance plan if you are looking for coverage without any additional add-ons.
