The best insurance for your pet

Pet insurance: security with PetSecur

Your pet is more than just an animal; it’s a full member of your family. The unconditional love and joy they bring are priceless. But what if your faithful four-legged companion suddenly becomes ill or has an accident? A visit to the vet can quickly lead to unexpectedly high veterinary costs, putting pressure on your financial situation. A vaccination or a routine check-up can often be planned for, but a broken leg, a complex operation, or long-term medication can easily cost hundreds—if not thousands—of euros.

At PetSecur, we understand the deep bond you share with your pet. That’s why we developed pet insurance that goes beyond simply covering costs. We offer peace of mind, financial breathing space, and the assurance that your pet will always receive the best possible care—without having to worry about the bill. With PetSecur, you choose a partner who puts the well-being of your pet first.

Why get pet insurance?

The question “Is pet insurance worth it?” is often asked. The answer is a resounding yes—for several important reasons that go beyond simply saving money.

Prevent unexpected medical costs

Pets are full of surprises, and unfortunately this also applies to their health. A sudden illness, an unexpected accident, or a chronic condition can require medical treatment that comes with a significant price tag. Think of:

• Emergencies: Your dog swallows something dangerous and needs immediate surgery, or your cat falls from a height and breaks a leg. These situations require urgent—and often costly—treatment.
• Diagnostics: An unclear condition may require extensive testing, such as blood tests, X-rays, ultrasounds, or even advanced MRI or CT scans. These diagnostic procedures are essential for an accurate diagnosis, but they can be expensive.
• Specialized care: In some cases, the expertise of a specialist is required—for example, an orthopaedist for complex fractures, a cardiologist for heart conditions, or an oncologist for chemotherapy. Specialist care is crucial, but often costly.
• Long-term treatments: Chronic conditions such as diabetes, kidney failure, or allergies often require lifelong medication and regular check-ups, which can become a long-term financial burden.

Without pet insurance, you may face a difficult choice: paying the full cost yourself or, in the worst-case scenario, having to make decisions based on finances rather than what is best for your pet.

Life with pet insurance: Sometimes your pet is just a little too curious. Imagine your dog or cat swallowing something and needing an emergency visit to the vet. That’s going to be an expensive surprise… or is it?

• ❌ Without insurance: The bill adds up to €1.500.
• ✅ With insurance: You pay only €150 (depending on your chosen coverage and deductible).

You have two choices: either you pay the full price, or you choose insurance and have the assurance that your pet will always receive the care it needs. That way, you can continue to enjoy life together without worry.

PetSecur: your partner

When choosing pet insurance, there are many options available. What sets PetSecur apart is our combination of comprehensive coverage, flexibility, clear terms and conditions, and a strong focus on your pet’s well-being. We understand the unique bond between you and your pet, and our insurance is designed to protect that bond.

The benefits of insuring your pet with PetSecur

Choosing PetSecur means choosing security, quality, and a partner who truly cares about your pet.

• Low Premium, High Quality: Good care should be affordable. That’s why we offer low premiums without compromising on quality. This way, your pet receives the best care at a fair price. We believe top-quality care should be accessible to everyone.
• Quick and Personalized Service: You’re not alone. We understand how important your pet is to you. That’s why we provide fast, personalized support exactly when you need it. Our team is ready to answer your questions and guide you through the claims process.
• Well-being Over Profit: We’re here for you and your pet—not for profit. This ensures fair premiums and transparent terms and conditions, with no hidden costs. Our mission is to promote the well-being of pets, and that’s reflected in our approach.
• Flexible Insurer: Your pet, your choice. You decide which coverage best suits your pet’s needs, and you always retain the freedom to choose your own veterinarian. Whether you visit a regular vet or a specialist, the choice is yours.
• Highest Annual Benefit: Don’t worry about high costs. We offer the highest annual benefits in the Netherlands, so you’re always prepared for unexpected situations. With a maximum benefit of up to €12.500 per year, you’re assured of comprehensive coverage.
• Worldwide Coverage: With PetSecur pet insurance, your pet is always covered when you go on vacation. Whether you travel within Europe or beyond, you can relax knowing your pet is covered for necessary medical care worldwide.

What does PetSecur pet insurance cover?

Pet insurance covers a wide range of medical expenses that may arise due to illness or an accident. It’s important to understand what is and isn’t covered, so you won’t face any surprises.

Well insured

• Consultations with the vet
• Surgery and treatments performed by the vet
• Medication

Not insured

• Pre-existing health conditions before taking out insurance
• Congenital or inherited conditions
• Nutritional supplements or special diet foods

Please review all exclusions in our terms and conditions.

Important points to consider when choosing coverage

When taking out pet insurance, there are several important factors to keep in mind:

• Waiting periods: Many insurers apply a waiting period (often 30 days) before coverage for illness begins. This prevents insurance from being taken out when a pet is already ill. Accidents are usually covered immediately. With PetSecur, you’re insured within 14 days.
• Maximum annual reimbursement: Pay attention to the maximum annual benefit. PetSecur offers the highest annual payout in the Netherlands—€12.500—giving you extra peace of mind when costs are high.
• Pet age: There may be age limits for taking out new insurance or higher premiums for older pets. Always check the specific terms related to your pet’s age.

What is the average cost of pet insurance?

The cost of pet insurance can vary significantly and depends on several factors. There is no single “average” price, as premiums are calculated individually.

Factors that influence the premium

The monthly premium for your pet insurance depends on:

• Animal species: Insurance for dogs is generally more expensive than for cats, as dogs typically require more frequent and complex medical care.
• Breed: There are differences between dog and cat breeds. Some breeds are genetically more prone to certain conditions, which can affect the premium.
• Pet’s age: As pets get older, the risk of health problems increases. As a result, premiums often rise with age. Insuring your pet at a young age is usually more cost-effective.
• Chosen package: The BASIC, STANDARD, and EXTRA packages each have their own premium structure, based on coverage level and maximum annual reimbursement.
• Deductible and co-payment: Choosing a higher voluntary deductible or a lower reimbursement percentage can reduce your monthly premium, but means you’ll pay more out of pocket when making a claim.
• Additional coverages: Adding optional coverages, such as dental care or preventive care, will increase the premium.

At PetSecur, we aim to keep premiums low without compromising on quality. Our transparent terms and conditions ensure you know exactly what to expect. You can easily calculate your premium online for your specific pet and chosen coverage, giving you an instant price estimate and helping you make an informed decision.

Insuring your pet in 3 easy steps

Taking out pet insurance with PetSecur is quick, easy, and fully online. We’ve designed the process to be as user-friendly as possible, so you can enjoy peace of mind right away.

1. Choose your coverage: Select the package that best suits your pet’s needs. Whether you choose BASIC, STANDARD, or EXTRA, you can customize your policy with additional coverages such as dental care, cremation, castration/sterilization, and preventive care.
2. Calculate your premium and purchase easily: Enter your pet’s details and instantly receive a price estimate. Taking out insurance is quick and straightforward, with clear terms and no hidden costs.
3. Submit your claim quickly and easily: Has your pet visited the vet? Simply upload your invoice through our online portal. We’ll process your claim quickly so you receive your reimbursement without hassle.

When to insure / when not to insure?

Choosing pet insurance isn’t something you do lightly. Some people prefer to take out cat insurance or dog insurance, while others prefer to save for unexpected expenses.

The pros and cons of pet insurance with PetSecur.

When to get insurance:

• Insurance gives you more flexibility to cover expensive treatments.
• If you want to be sure your pet’s medical expenses are well covered.

When not to get insurance:

• If you prefer to save monthly for your pet instead of paying a monthly premium.
• If you have enough savings to cover unexpected expenses for your pet.

Insuring your pet: fast and affordable

Becoming a PetSecur member is easy. Choose the package that best suits your needs using the button below and calculate your premium. PetSecur offers pet insurance for all pet owners. Enjoy life together with your pet.

Pets that are often insured

The most common pets insured with PetSecur:

The above data is based on a deductible of €150 and a male pet.

Cost of pet insurance

Pet insurance costs naturally vary depending on your dog or cat. In addition to the type of pet, the age and weight of your dog or cat are also taken into account. Furthermore, costs often vary by breed.

It’s therefore wise to research the costs for your pet in advance.

Want to know more about PetSecur’s cat insurance? Calculate the premium for your pet.

Blog by Piet Hellemans

Ambassador Piet Hellemans regularly shares his knowledge through our blogs to help you make informed choices about your dog’s health and selecting the right pet insurance.

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