Is pet insurance required for dogs in France?
Though mandatory for certain breeds, most do not need it
Most French pet owners do not need insurance, but it can help with health costs
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Insurance is not required for most dogs but mandatory for certain breeds
Dog owners are legally responsible for any damage their pet causes to third-party property – whether they are present or not.
In most cases, home insurance covers this under third-party liability, but it is worth checking your particular policy to confirm this.
Mandatory insurance for some breeds
Insurance becomes compulsory if your dog is classed as a chien dangereux (dangerous dog).
This includes first-category dogs, such as American Staffordshire Terriers (so-called ‘attack’ dogs), and second-category dogs, such as Rottweilers, considered ‘guard’ or ‘defence’ animals.
In these cases, you must take out assurance responsabilité civile to cover any harm they may cause.
Optional health cover for dogs
You can also choose to insure your dog for veterinary treatment, which may help cover costs if they fall ill or are injured.
Policies are available from a range of French providers, including:
Basic health cover starts at around €10/month, with more comprehensive packages costing up to €50/month, according to comparison site lecomparateurassurance.com.
More expensive policies typically cover a higher percentage of vet bills, allow higher annual claim limits, and may include preventive care such as vaccinations, worming and special diets.
The price of cover depends on the dog’s breed, age and any pre-existing conditions.
Once insured, it is worth keeping good records of vet visits, treatment and medication to make claims easier if needed.
