The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Pet insurance is an expenses policy. It pays for treatment by the vet after illness or an accident: consultations, diagnostics, surgery, hospitalisation and medication, up to a maximum per policy year and with a contribution or an excess. The amount paid depends on the costs incurred and not on what the animal cost or is worth.
Two provisions decide whether the policy is of any real use to you. The first is the waiting period: costs for a condition that appears within that period remain at your own expense. The second is the exclusion of conditions that already existed when you took out the policy, even if no diagnosis had yet been made. What the vet noted in the file earlier counts here; concealing it touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code.
Do not confuse this policy with liability. If your dog bites a visitor, or your horse takes fright and causes damage, you are liable as the keeper under Article 6:179 of the Dutch Civil Code, even if you did nothing wrong. That claim runs through your personal liability insurance, or through a commercial policy if you keep the animals as a business. See also the home contents insurance for damage your animal causes indoors.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
Assets and continuity
Business contents, goods and lost turnover during downtime.
Business contents at replacement value as new
Goods at cost price
Business interruption or additional costs
If you employ people
Staff
Sickness absence, accidents and the traffic risk.
Continued pay for 104 weeks
Group personal accident
WEGAS for traffic risks
What is covered
Situation
AVB
BAV
Cyber
Injury to a visitor or customer
Yes
No
No
Damage to a client's property
Sometimes
No
No
Financial loss caused by an advisory or calculation error
No
Yes
No
Downtime after a ransomware attack
No
No
Yes
Data breach involving personal data
No
Sometimes
Yes
Damage to property in your care
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Waiting period and what was already there
Virtually every policy has a waiting period of a few weeks, sometimes longer for particular conditions. In addition, complaints that existed before the start date are excluded, even if they had not yet been named. When you claim, insurers ask for the veterinary file. A young animal with no history is therefore easier and cheaper to insure than an older animal in which something has already been noticed.
What the annual maximum means
For a one-off operation the maximum is rarely the problem. For a chronic condition requiring medication and check-ups for years it is: the amount starts afresh each policy year, but in a long year with complications it is also used up faster. So look not only at the maximum but also at the percentage paid and at sub-limits for things such as diagnostics.
Damage your animal causes is a separate matter
Article 6:179 DCC places strict liability on the keeper of an animal: you are liable for the animal's own behaviour, even without fault. That damage falls under liability insurance and not under pet insurance. If you keep animals as a business, for example at a riding school or a breeding kennel, a personal policy gives no cover and a commercial version is needed.
What is not paid for
What usually falls outside the cover: preventive care such as vaccination, worming, microchipping, castration and sterilisation; hereditary and breed-related conditions, or only after a long waiting period; dental treatment, behavioural therapy and physiotherapy unless included as a module; costs around pregnancy, birth and breeding; and treatment of a condition that was already present before the start date or arose during the waiting period.
What does your premium depend on?
Species and breed. Breeds with known joint, eye or airway conditions weigh more heavily.
Age at inception. Decisive for acceptance; many insurers apply a maximum age for new policies.
Chosen maximum per policy year. The amount above which the costs are for your account.
Contribution or excess. A fixed amount per year or a percentage of every bill.
Additional modules. Dental, behaviour, physiotherapy, alternative treatment or cremation.
Kept privately or as a business. Animals at a riding school, breeding kennel or nursery do not fall under a personal policy.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
My dog already had trouble with his hip last year. Is that covered?
Almost certainly not. Conditions that already existed when you took out the policy are excluded, even if no diagnosis had been made. The note in the veterinary file is decisive here. Do mention such a complaint on the application: concealing it touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code and may entitle the insurer to reduce or refuse the payout.
Does the maximum apply per year or per condition?
With most policies, per policy year, across all conditions together. If a course of treatment runs over the year end, each bill counts in the year in which the treatment took place. Some conditions also carry a sub-limit per condition or per type of treatment. Check that above all when you insure an animal for which long-term treatment is to be expected.
My cat destroys the neighbours' sofa. Which policy is that?
Your liability insurance, not your pet insurance. As the keeper you are liable under Article 6:179 DCC for damage caused by the animal's own behaviour, whether or not you could have done anything about it. With personal liability insurance that cover is included as standard. If you keep the animal as a business, commercial liability insurance is needed.
Can I still insure an older animal?
Sometimes, but the conditions are stricter. Many insurers apply a maximum age for new applications, a higher contribution above a certain age or a more limited package. On top of that, an older animal more often has a history, and those very conditions remain excluded. Comparing pays off here, because age limits and waiting periods differ from insurer to insurer.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
